Latest Deposit Interest Rates for BRI, Mandiri, and BNI as of 25 March 2026

Deposito remains one of the favourite investment instruments for many people, offering a combination of security, certainty, and stable returns. Deposits are considered one of the safest investment instruments because they are guaranteed by the Deposit Insurance Corporation (LPS) and are not affected by market fluctuations like stocks or cryptocurrencies. Another appealing aspect is that deposit interest rates are usually higher than those for ordinary savings. The returns are known from the outset, making it suitable for those avoiding risk. Deposits can be chosen with terms ranging from 1 month to 12 months or more, fitting short- to medium-term financial needs. Amid the current economic conditions, Bank Indonesia’s (BI) decision to maintain the benchmark interest rate at 4.75% helps preserve the stability of returns on banking deposit instruments. Based on monitoring up to the end of March 2026, banks under the State-Owned Banks Association (Himbara), such as Bank Mandiri (BMRI), Bank Rakyat Indonesia (BBRI), and Bank Negara Indonesia (BBNI), have kept their deposit interest rates relatively stable without major adjustments. This policy is seen as Bank Indonesia’s step to balance rupiah exchange rate stability with efforts to boost domestic economic growth. With the BI Rate unchanged, banks still have sufficient liquidity room to offer competitive deposit rates to customers while keeping funding costs (cost of funds) under control. Among the state-owned banks, BRI is noted for offering the most attractive rates for short tenors, up to 3.00% for 1- and 3-month terms. Meanwhile, BNI and Mandiri offer rates in the range of 2.25% to 2.75%, depending on the tenor chosen by customers. Although the benchmark rate has not changed, analysts predict that banks will continue to monitor inflation developments and market liquidity conditions in the second quarter of 2026. For customers, this situation provides certainty of returns amid financial market fluctuations, especially for investors prioritising fund security through LPS guarantees, currently at IDR 4.25 million. Looking ahead, this monetary policy stability is expected to strengthen the banking sector’s resilience against global uncertainties, while continuing to provide safe and stable investment options for the public through deposit instruments. According to CNBC Indonesia Research notes, the detailed interest rates for major state-owned banks’ deposits remain stable from the January 2026 update period as follows: Bank Mandiri First, the red-plate bank PT Bank Mandiri Tbk (BMRI) has not experienced changes in deposit interest rates since 15 July 2025. Bank Mandiri offers rupiah-denominated deposit interest rates in the range of 2.25% - 2.50% per year. The highest rate is set for 6-, 12-, and 24-month tenors, while the lowest rate applies to all deposit tiers for 1- and 3-month tenors. Deposits can be opened starting from IDR 1 million via the Livin’ by Mandiri app, while branch openings require a minimum deposit of IDR 10 million. The detailed deposit interest rates for Bank Mandiri are as follows: Bank Rakyat Indonesia (BRI) Second, the gold-bar bank, which has recently transformed into a universal bank, PT Bank Rakyat Indonesia Tbk (BBRI), offers deposit interest rates ranging from 2.50% - 3.00% per year. The highest rupiah deposit rate is set for 1- and 3-month tenors, then 2.75% for 6-month tenors, and 2.50% for 12- and 24-month tenors. The initial deposit can start at IDR 10 million if opened through BRI branches, but via internet banking, it can start from a more affordable IDR 1 million up to a maximum of IDR 100 million. The full details are as follows: Bank Negara Indonesia (BNI) Finally, another red-plate bank, PT Bank Negara Indonesia Tbk (BBNI), is still applying the same deposit interest rates since the last change on 5 November 2025. The offered rates range from 2.25% - 2.75% per year. The lowest rate of 2.25% applies to 1-month tenors, 2.50% to 3-month tenors, and the highest 2.75% to 6-month tenors. For 12- and 24-month tenors, a rate of 2.50% per year is offered for all deposit amounts. The minimum deposit capital at Bank BNI is quite affordable, starting from IDR 5 million. The detailed deposit interest rates for Bank BNI are as follows: