Latest Deposit Interest Rates for BRI, BNI, and Mandiri as of 5 May 2026

Entering early May 2026, specifically at the beginning of this week, bank deposits remain one of the preferred investment instruments for the public who prioritise security and certainty of returns.

Based on the latest monitoring up to Monday (4/5/2026), state-owned enterprise banks such as Bank Rakyat Indonesia (BRI), Bank Negara Indonesia (BNI), and Bank Mandiri are observed to be maintaining their deposit interest rates without any changes from the early month period.

This stability in offerings aligns with Bank Indonesia’s consistent decision to hold the benchmark interest rate, or BI-Rate, at 4.75%, thereby keeping the banking liquidity space solid.

This instrument is also considered highly safe from market fluctuations, and customer funds are guaranteed by the Deposit Insurance Corporation (LPS) with a current guarantee interest rate of 3.50%.

Based on the latest data, the interest rates are still at the same levels as several months ago due to the BI benchmark rate remaining at 4.75%.

Deposit Interest Rates of Bank Rakyat Indonesia (BRI)

Bank Rakyat Indonesia or BRI provides access to open deposits with a minimum initial deposit starting from Rp 1 million through internet banking services, and Rp 10 million if customers open through physical branches.

Up to May 2026, BRI is recorded as offering quite attractive returns, especially for short-term fund placements. For a one-month tenor, the interest rate offered ranges between 3.25%-3.35%, depending on the deposit amount.

The highest interest rate is offered for the three-month tenor, reaching 3.50% uniformly. Subsequently, for medium- to long-term periods, namely 6, 12, 24, up to 36 months, BRI sets the interest rate constant at 3.00%.

Deposit Interest Rates of Bank Negara Indonesia (BNI)

For those interested in placing their funds at Bank Negara Indonesia or BNI, the minimum capital requirement is quite affordable, starting from Rp 5 million.

BNI’s deposit interest rate policy in May 2026 shows uniform percentages for all customer deposit amount categories. BNI sets a base interest rate of 2.25% for fund placements with a one-month tenor.

This percentage increases to 2.50% for the three-month tenor. The maximum return point at BNI is offered for deposits with a six-month tenor, reaching 2.75%.

Meanwhile, if customers choose 12- and 24-month tenors, the interest rate provided stabilises again at 2.50%.

Deposit Interest Rates of Bank Mandiri

Bank Mandiri also provides easy options for opening deposit accounts for its customers. Fund placements can start with a nominal amount of one million rupiah through the Livin’ by Mandiri application, or Rp 10 million for customers making direct deposits at branches.

Based on monitoring at the end of this month, Bank Mandiri continues to set an interest rate of 2.25% for short-term deposits, namely one- and three-month tenors.

For customers planning longer-term fund placements, namely for six-, 12-, and 24-month tenors, the bank offers a fixed return of 2.50%, which applies uniformly across all deposit amount ranges.

Banking Investment Stability Going Forward

The stability of deposit interest rate offerings by these Himbara banks is deemed capable of strengthening the attractiveness of the domestic banking sector in facing global condition uncertainties.

By prioritising fund security through LPS protection and measured return rates known from the start of the agreement, deposits at state-owned banks remain reliable as an asset protection instrument.

Analysts predict that the banking sector will continue to adjust its interest rate strategies by monitoring the direction of inflation movements and market liquidity in the second quarter of 2026, so customers still have safe financial management options for short- to medium-term needs.