Number of Dormant Accounts Increases, LPS Head Warns of Misuse

JAKARTA, KOMPAS.com - The Deposit Insurance Corporation (LPS) has recorded an increase in the number of inactive accounts. These dormant accounts are at risk of being misused for illegal activities. For context, LPS defines a dormant account as a savings account in a conventional bank, excluding digital banks, with a maximum balance of Rp 50,000 and a constant value for one year. LPS Commissioner Council Chairman Anggito Abimanyu stated that the number of dormant accounts increased last year. The growth rate for 2025 is also lower than the 9.52 percent recorded in 2023. “We are not disclosing the figure because it is quite confidential. However, together with OJK, we are monitoring this, as the addition of inactive accounts is currently increasing,” he said during a working meeting with Commission XI in Jakarta on Thursday (9/4/2026). Nevertheless, Anggito emphasised that this situation remains a concern because the increase in dormant accounts enlarges the potential risks in the financial system. Therefore, this is a focus for LPS and OJK to ensure that these accounts are not misused as channels for holding illegal funds or for money laundering practices. “We have already held various meetings and studies indicating that inactive accounts have the potential to be misused,” he stressed. In 2025, the mass blocking of dormant accounts by the Financial Transaction Reports and Analysis Centre (PPATK) shocked the public. This action was taken by PPATK because in 2024, more than 28,000 accounts were identified as resulting from account trading practices used for online gambling deposits. Additionally, accounts belonging to others were found to be massively used to hold funds from criminal acts such as fraud, narcotics trafficking, and various other crimes. PPATK then temporarily halted customer transactions with accounts declared dormant based on banking data.