Latest Minimum Balance Requirements for Bank Mandiri, BRI, and BNI

Customers of Bank Mandiri, BRI, and BNI need to be aware of the minimum balance rules applicable to each savings product. If an account balance drops to a certain threshold, customers risk experiencing transaction difficulties or having their account become inactive according to the bank’s regulations. Each bank sets different minimum balance limits, depending on the type of savings account and the targeted customer segment. It is therefore important for customers to ensure funds in their accounts remain above the minimum limit so that banking services can be used normally.

Here are the details of the minimum balances at the three major national banks, latest as of June 2026:

Bank Mandiri

• Tabungan Rupiah: Rp100,000

• Tabungan NOW: Rp25,000

• Tabungan Payroll: Rp10,000

• TabunganKu: Rp20,000

• Tabungan SiMakmur: No charge

• Tabungan Simpanan Pelajar: 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: As per cooperation agreement (PKS)

• Taplus Muda: Rp0

• BNI Pandai: No balance limit

• SimPel: Rp5,000

• TabunganKu: Rp20,000

Generally, 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 more complex transaction and service needs.