Minimum Balance Limits for Bank Mandiri, BNI, and BRI Accounts Under Current Regulations

Jakarta, CNBC Indonesia - Banking customers need to understand the minimum balance requirements that must be maintained in savings accounts. The minimum balance is funds that must remain available at all times and serves 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 varies, depending on customer segmentation and the type of savings product used.

Here are the details of minimum balances at three major national banks as of March 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: As per cooperation agreement (PKS)

Taplus Muda: No minimum balance

BNI Pandai: No balance restrictions

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.