Latest Minimum Balance for Bank Mandiri, BRI, and BNI as of April 2026

Each bank has different policies in setting the minimum balance. These funds must remain in the account at all times and serve as a buffer, particularly when the account is inactive for a certain period. In practice, these funds can be used to cover administrative fees according to each bank’s provisions. The amount of the minimum balance also varies, depending on customer segmentation and the type of savings product used. Here is the detail of the minimum balances at three major national banks as of April 2026: Bank Mandiri Tabungan Rupiah: Rp100,000 Tabungan NOW: Rp25,000 Tabungan Payroll: Rp10,000 TabunganKu: Rp20,000 Tabungan TKI: Rp10,000 Tabungan Mitra Usaha: Rp1,000,000 Tabungan SiMakmur: Fee-free Tabungan SimPel: Rp5,000. BRI Simpedes: Rp50,000 BritAma: Rp50,000 BritAma Bisnis/Pro/X: Rp50,000 TabunganKu: Rp20,000 Junio: Rp50,000 SimPel: Rp5,000. BNI Taplus: Rp150,000 Taplus Bisnis: Rp1,000,000 Taplus Pegawai: According to cooperation agreement (PKS) Taplus Muda: Without floating balance BNI Pandai: Without balance restriction SimPel: Rp5,000 TabunganKu: Rp20,000 In general, savings products for students and financial inclusion programmes such as SimPel and TabunganKu have lower minimum balance requirements. Meanwhile, products for the business segment set higher balance limits in line with the needs of transactions and more complex services.