Latest Deposit Interest Rates at Bank Mandiri, BNI and BRI as of 3 August 2026
Entering August 2026, bank time deposits remain one of the favoured investment instruments for Indonesians who prioritise security and certainty of returns amid an increasingly real higher-for-longer era.
Rate hikes by the European Central Bank, the Bank of Japan and several other central banks are expected to drive an overall upward trend in global interest rates should inflation continue to climb.
Based on the latest monitoring of the respective banks’ websites as of Monday (2/8/2026), state-owned banks (BUMN) such as Bank Rakyat Indonesia (BRI), Bank Negara Indonesia (BNI) and Bank Mandiri have maintained their deposit rates without any change from recent periods.
These offers have remained unchanged since Bank Indonesia’s decision in June to raise rates by an aggregate of 100 basis points, one of the most extreme rate increases in the central bank’s history.
That tightening is expected to squeeze banking liquidity as the Rupiah continues to weaken and yields on government bonds (SBN) rise, driven by higher global oil prices following the Iran–US war, whose planned peace settlement ultimately fell through.
Deposits are also considered highly safe from market fluctuations, with customer funds guaranteed by the Deposit Insurance Corporation (LPS) at a coverage rate currently set at 3.75%, up from 3.50% previously.
Bank Rakyat Indonesia (BRI) Deposit Rates
Bank Rakyat Indonesia, or BRI, offers deposit accounts with an initial deposit starting from Rp 1 million via internet banking, and Rp 10 million if opened at a physical branch.
As of August 2026, BRI is recorded as offering fairly attractive returns, particularly for short-term placements. For a one-month tenor, the interest rate stands at 3.25%, depending on the deposit amount.
The highest rate is offered on the three-month tenor, reaching 3.50% across the board. For medium to long terms of 6, 12, 24 and 36 months, BRI sets a constant rate of 3.00%.
Bank Negara Indonesia (BNI) Deposit Rates
For those interested in placing funds with Bank Negara Indonesia, or BNI, the minimum deposit requirement is quite affordable, starting from Rp 5 million.
BNI’s deposit rate policy as of August 2026 shows a uniform percentage across all deposit amount categories. BNI sets a base rate of 2.25% for one-month placements.
That figure rises to 2.50% for three-month tenors. The maximum yield at BNI is offered for six-month deposits, reaching 2.75%.
Meanwhile, for tenors of 12 and 24 months, the rate returns to a stable 2.50%.
Bank Mandiri Deposit Rates
Bank Mandiri also provides easy options for opening deposit accounts. Placements can start from Rp 1 million via the Livin’ by Mandiri app, or Rp 10 million for customers depositing directly at a branch office.
Based on monitoring at the end of this month, Bank Mandiri has kept its rate at 2.25% for short-term deposits of one and three months.
For customers planning longer placements of 6, 12 and 24 months, the bank offers a fixed return of 2.50%, applicable uniformly across all deposit amounts.
Stability of Banking Investment Ahead
The stability of deposit rate offers by these state-owned banks is seen as strengthening the appeal of the domestic banking sector in the face of global uncertainty.
By prioritising the security of funds through LPS protection and returns that are fixed from the outset of the agreement, deposits at BUMN banks remain a reliable asset-protection instrument.
Analysts expect the banking sector to continue adjusting its interest rate strategies in line with inflation trends and market liquidity in the second quarter of 2026, so customers will continue to have safe financial management options for short to medium-term needs.