Latest Minimum Balance Rules for Savings Accounts at Bank Mandiri, BRI, and BNI

Jakarta, CNBC Indonesia — Saving money in a bank is safe and facilitates easy transactions. Banking customers need to pay attention to the provisions regarding minimum account balances at various banks. This is because the minimum balance represents funds that must remain in the account and cannot be withdrawn in order to keep the account active.

In practice, these funds can be used to cover administrative fees according to each bank’s terms. The amount of the minimum balance varies, depending on the customer segmentation and the type of savings product used.

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

Bank Mandiri

Tabungan Rupiah: Rp100,000

Tabungan NOW: Rp25,000

Tabungan Payroll: Rp10,000

TabunganKu: Rp20,000

Tabungan SiMakmur: Free of 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: According to the cooperation agreement (PKS)

Taplus Muda: Rp0

BNI Pandai: No balance limit

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 need for more complex transactions and services.