Latest Deposit Interest Rates for BRI, BNI, and Mandiri as of 20 April 2026

Bank deposits continue to be one of the preferred investment instruments for the public, offering a combination of security, certainty, and stable returns. This instrument is considered safe from market fluctuations like other risky assets and is guaranteed by the Deposit Insurance Corporation (LPS) with a current guarantee interest rate of 3.50%. On the other hand, Bank Indonesia’s decision to maintain the benchmark interest rate or BI-Rate at 4.75% helps preserve banking liquidity stability. This macroeconomic condition enables state-owned enterprise banks such as Bank Mandiri, Bank Rakyat Indonesia (BRI), and Bank Negara Indonesia (BNI) to offer competitive deposit interest rates in the fourth week of April 2026. Deposit Interest Rates at Bank Rakyat Indonesia (BRI) Bank Rakyat Indonesia or BRI provides access to deposit openings with an initial deposit starting from one million rupiah through internet banking services, and ten million rupiah if customers open through physical branches. In the fourth week of April 2026, BRI is noted to offer quite attractive returns, especially for short-term fund placements. For a one-month tenor, the interest rate offered ranges from 3.25% to 3.35%, depending on the deposit amount. The highest interest rate is offered for a three-month tenor, reaching 3.50% uniformly. Furthermore, for medium to long-term periods, namely 6, 12, 24, up to 36 months, BRI sets a constant interest rate at 3.00%. Deposit Interest Rates at Bank Negara Indonesia (BNI) For those interested in placing funds at Bank Negara Indonesia or BNI, the minimum capital requirement is quite affordable, starting from five million rupiah. BNI’s deposit interest rate policy in April 2026 shows a uniform percentage rate for all customer deposit amount categories. BNI sets a base interest rate of 2.25% for one-month tenor fund placements. That rate increases to 2.50% for a three-month tenor. The maximum return point at BNI is offered for six-month deposits, reaching 2.75%. Meanwhile, if customers choose a 12-24 month tenor, the interest rate provided stabilises again at 2.50%. Deposit Interest Rates at Bank Mandiri Bank Mandiri also provides easy deposit account opening options for its customers. Fund placements can start with one million rupiah through the Livin’ by Mandiri app, or ten million rupiah for customers depositing directly at branches. Based on April 2026 data, Bank Mandiri sets an interest rate of 2.25% for short-term deposits, namely one and three months. For customers planning longer-term placements, namely for 6, 12, and 24-month tenors, the bank offers a fixed return of 2.50%, applying uniformly across all deposit amount ranges.