Minimum Balance Requirements for Priority Banking Customers at BRI, Mandiri, and BNI

Jakarta — Banks in Indonesia offer a diverse range of savings products that can be utilised by all segments of society. In addition, commercial banks also provide priority customer services, which are extended to customers with certain deposits or account balances, particularly for the upper-middle to high-income segments.

Customers classified as priority members receive exclusive services not available to regular customers. For example, they can access services without queuing and receive special attention from bank officers.

The facilities provided are also more comfortable and luxurious, such as dedicated service lounges with light snacks and refreshments. Furthermore, priority customers can also enjoy easier access to credit application processes, complete with more attractive interest rate offers.

Naturally, the minimum balance requirement for priority customer services varies by bank.

BNI

To become a BNI Emerald priority customer, customers must prepare or possess a minimum balance of Rp 1 billion. Meanwhile, to become a BNI Private customer, the minimum balance is Rp 15 billion.

BRI

According to its official website, this state-owned banking corporation, which focuses on the micro, small, and medium-sized enterprise (MSME) segment, has established a Priority Service Hub (Sentra Layanan Prioritas) specifically for its priority customers. To become a BRI priority customer, customers must maintain a minimum savings balance of Rp 1 billion.

BRI Priority customers can obtain the BRI Priority Debit Card, which provides comprehensive banking services, including financial planning and investment advice through to retirement fund planning. Card holders can also benefit from higher transaction limits, one-stop banking services, exclusive Premium Debit Mastercard privileges, and advisory services.

Bank Mandiri

Mandiri Priority services require customers to maintain a minimum balance of between Rp 1 billion and Rp 20 billion. Additionally, customers must have a total fund placement of at least Rp 1 billion or equivalent, either in third-party funds—namely savings accounts, current accounts, deposits, and/or available investment products offered by Bank Mandiri—and must hold an individual Rupiah savings or current account.