YLKI: Blocking of AMPB Coordinator's Account Violates Customer Rights

The unilateral blocking of an account by Bank Mandiri against account holder Supriyono has been deemed a violation of customer rights as consumers of banking institutions. The Indonesian Consumers Foundation (YLKI) emphasised that banks must not block a customer’s account without transparency.

YLKI Executive Secretary Rio Priambodo asserted that the unilateral blocking carried out by Bank Mandiri against Supriyono’s account violates Law Number 8/1999 on Consumer Protection.

“Unilateral blocking without clarity can erode consumer rights that are regulated and guaranteed by the Consumer Protection Law,” Rio said through a press release on Monday (24/8/2026).

Rio urged Bank Mandiri to provide a transparent explanation regarding the root cause of the blocking to Supriyono as a customer and consumer. This includes Bank Mandiri’s obligation to explain the clear grounds for the blocking, the account status, and the resolution mechanism.

Rio said that in the case of Bank Mandiri blocking Supriyono’s account, it must be based on an explanation and reason for why the blocking was carried out. Supriyono, as a customer and consumer of Bank Mandiri, has the right to obtain the clearest possible information regarding the reason for the blocking.

“Secondly, the blocking carried out by the bank must not cause consumers to lose access without certainty,” Rio said.

According to him, if customer funds result in a total restriction of use imposed by the bank, then there must also be an explanation of the account status. The bank is also required to provide an explanation regarding the resolution mechanism, as well as the steps that must be taken by the customer to regain access to the funds in the account blocked by the bank.

“Consumers must not be left in a weak position. The account is blocked, funds cannot be used, while the consumer does not receive an adequate explanation and does not know where to complain,” Rio said.

Rio stressed that the authority of banking institutions must be balanced with accountability. The principle of prudence and security carried out by the bank is indeed important. However, he said, these must not become reasons for creating arbitrariness that leads to the neglect of consumer rights, transparency, and protection.