Latest Deposit Interest Rates for BRI, BNI, and Mandiri as of 8 April 2026

Deposits in banking remain one of the preferred investment instruments for the public due to 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 Indonesia Deposit Insurance Corporation (LPS) with a current guarantee interest rate level of 3.50%. On the other hand, Bank Indonesia’s decision to maintain the benchmark interest rate or BI-Rate at 4.75% helps maintain the stability of the banking liquidity space. This macroeconomic condition allows state-owned enterprise (SOE) banks such as Bank Mandiri, Bank Rakyat Indonesia (BRI), and Bank Negara Indonesia (BNI) to offer competitive deposit interest rates in the April 2026 period. Deposit Interest Rates of Bank Rakyat Indonesia (BRI) Bank Rakyat Indonesia or BRI provides access to open deposits with an initial deposit starting from one million rupiah through internet banking services, and ten million rupiah if customers open through physical branches. Entering April 2026, BRI is recorded 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% evenly. Furthermore, for medium to long-term periods, namely six, twelve, twenty-four, up to thirty-six months, BRI sets a constant interest rate at 3.00%. Deposit Interest Rates of Bank Negara Indonesia (BNI) For those interested in placing funds at Bank Negara Indonesia or BNI, the minimum capital requirement set 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 fund placements with a one-month tenor. That percentage increases to 2.50% for a three-month tenor. The maximum return point at BNI is offered for deposits with a six-month term, reaching 2.75%. Meanwhile, if customers choose twelve and twenty-four month tenors, the interest rate provided stabilises at 2.50%. Deposit Interest Rates of Bank Mandiri Bank Mandiri also provides options for easy deposit account opening for its customers. Fund placement can start with a nominal of one million rupiah through the Livin’ by Mandiri application, or ten million rupiah for customers who deposit directly at branches. Based on April 2026 data, Bank Mandiri sets an interest rate of 2.25% for deposits with short-term tenors, namely one and three months. For customers planning longer-term fund placements, namely for 6, 12, and 24 month tenors, this bank offers a fixed return of 2.50% that applies evenly across all deposit amount ranges.