Pesirah Bisnis

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Pesirah Bisnis

Attractive Interest

Competitive and rewarding interest rates

Fee Free

Free admin fees for certain balances

Safe & Guaranteed

Insured by LPS and supervised by OJK

About Pesirah Bisnis

Get to know the product

Tabungan Pesirah Bisnis is a savings product from Bank Sumsel Babel made for business people (entrepreneurs) with various features and services that make it easy for business people to transact.

Issuer Name

PT Bank Pembangunan Daerah Sumatera Selatan dan Bangka Belitung

Main Features

Account Owner
Individual & Non-Individual
Initial Deposit
Minimum Rp 1.000.000,-
Minimum Balance
Minimum Rp 1.000.000,-
Debit Card Type
Gold & Platinum Pesirah Business ATM Card

Benefits

Savings with high interest rates and features needed by business people.
Has an Auto Sweep facility, which is an autotransfer facility (automatic transfer of funds) from the Pesirah Business savings account to the current account when the funds in the current account are insufficient for debit transactions.
Has a facility for fund optimization where the account owner can determine the maximum balance in the checking account, so that if at the end of the day the checking account balance exceeds the maximum balance specified, the excess funds will automatically be transferred to the Pesirah Business Savings account.
Pesirah Bisnis passbook is equipped with mutation information that contains clear and complete transaction descriptions and information.
Included in the Pesirah savings prize draw which is drawn per branch so that the chance to win is greater.
Equipped with transaction services using ATM-Debit cards and e-Banking services in the form of SMS Banking, Mobile Banking and Internet Banking.
Pesirah Business ATM Card facilities (gold and platinum) have a larger shopping and transfer limit per day.

Requirements and Procedures for Opening an Account

Pesirah Business savings account owners are:

Individuals, namely individuals who have a business or individual business (shop, workshop, Trade Business / UD, etc.).
Non-Individuals, namely:
a. Business Entities, both Legal Entities (PT, Cooperatives, Foundations, etc.), as well as Non-Legal Entities (CV, Firma, etc.)
b. Non-Business Entities, (Associations, Societies, Associations, Associations, Agencies, institutionsgovernment / social / education and others that are equated with it).

Bring documents in the form of;

For Individual customers in the form of e-KTP / KK for Indonesian citizens and Passports by attaching KIMS / KITAS / KITAP / KTP for foreigners / a certificate from the company where they work.
For Non-Individuals in the form of;
a. Power of Attorney for the appointment of account management
b. Proof of the management / authorized official (in the form of SK, appointment letter, composition of the management, approval of the board of commissioners as stipulated in the AD / ART, deed of establishment and its amendments
c. E-KTP / Passport of the giver and recipient of the power of attorney.
d.    Deed of establishment and its amendments
e. Articles of Association and Bylaws (AD/ART)
f.    Licensing documents in the form of Business Identification Number (NIB) and licenses /Standard Certificates in accordance with applicable regulations.
g.    NPWP
Fill out and sign the Account Opening Application and Approval Form.
Submit an initial deposit of Rp 1,000,000,-

Additional Information

Interest Rate
Interest Rate                                             Tiering
Rp 0 - Rp 2.5 million                              0.00 %
> Rp 2.5 million - Rp 10 million         0.75 %
> Rp 10 million - Rp 100 million        1.00 %
> Rp 100 million - Rp 1 billion            1.50 %
> Rp 1 billion - Rp 2 billion                  2.00 %
> Rp 2 billion 2.25 %

Pesirah Savings Lottery Terms

Individual business pesirah savings account owners are included in the Pesirah savings lottery with the following conditions:

Pesirah Savings Lottery is held once a year, namely in January for the Super Grand Prize and February for the Grand Prize (tentantive).
Super Grand Prize screening is followed by all Bank Sumsel Babel Pesirah savers and is drawn first before screening the Grand Prize and other prizes.
Super Grand Prize is held centrally with prizes in the form of cash / house / other forms.
Grand Prizes are held at each Branch Office / Sub-Branch Office with prizes:

Branch Office
a. 1 unit of four-wheeled vehicle per organizing branch office
b. 2 units of two-wheeled vehicles per organizing branch office
c. 1 unit of Television per organizing branch office
d. 1 unit laptop per organizing branch office
e. 1 unit refrigerator per organizing branch office
Sub-Branch Office
a. 2 two-wheeled vehicles per branch office
b. 1 Television unit per branch office
c. 1 laptop unit per branch office
d. 1 unit refrigerator per organizing branch office
Points Calculation
a. Every multiple of Rp 100,000 (one hundred thousand rupiah) above the minimum balance is entitled to 1 (one) point for the Grand Prize Draw and other prizes.
b. Every multiple of Rp 100,000 (one hundred thousand rupiah) with an average minimum balance of Rp 5. 000,000,- (five million rupiah) is entitled to 1 (one) Grand Prize draw point.
c. Every multiple of Rp 5,000,000,- (Five million rupiah) with an average minimum balance of Rp 25,000,000,- (Twenty-five million rupiah) is entitled to 1 (one) Super Grand Prize draw point.
d. Lottery points are calculated based on the average daily balance divided by the number of days in the period.>

Fees

Monthly Administration Fee IDR 25,000,
Minimum balance penalty IDR 25,000, -
Account Closing Fee IDR 50,000, -
Book change fee IDR 10. 000,-
Monthly Administration Fee ATM-Debit Card

Free Gold Business Pesirah ATM-Debit Card
Free Platinum Business Pesirah ATM-Debit Card

ATM-Debit Card Creation Fee

Free Gold Business Pesirah ATM-Debit Card
Free Platinum Business Pesirah ATM-Debit Card

ATM-Debit Card Replacement Fee

Free Gold Business Pesirah ATM-Debit Card
Free Platinum Business Pesirah ATM-Debit Card

Product Risk

As a Pesirah Savings Customer, it is important to understand some of the risks that may arise in using this product.

For the convenience and security of transactions, Customers are required to provide information and / or personal data that is true, accurate, and in accordance with actual conditions. In the event of errors or data discrepancies, the customer will be responsible for all risks or consequences arising.
The customer is fully responsible for the confidentiality and security of the account, including PIN, password, and access to digital banking services (e-channel). In the event of misuse by other parties, such as data theft or fraud, the risk is fully borne by the customer. Make sure to always maintain the confidentiality of data and not give it to anyone, including those who claim to be Bank officers.
Deposits at Bank Sumsel Babel with a balance of more than Rp2,000,000,000 (two billion rupiah) or that earn interest rates above the guarantee rate set by the Deposit Insurance Corporation (LPS) are not included in the LPS guarantee program. If something happens to the Bank that causes risk to deposit funds, balances beyond the guaranteed limit will not get protection from LPS.
Pesirah Business Savings interest rates are subject to change at any time in accordance with Bank policies and market conditions. This change may affect the amount of interest received by the Customer. Therefore, it is recommended to always monitor the latest information regarding interest rates in order to make informed financial decisions.
In certain situations, banking services may be disrupted due to factors beyond the Bank's control, such as system disruptions, power outages, natural disasters, or government policies. The Bank will endeavor to provide the best solution under these conditions, but the Customer needs to understand that there is a risk of transaction delays or disruptions in certain circumstances.

Simulation

The result of fund development in Tabungan Pesirah Bisnis is indicative. The final value of fund development results can be greater or lesser depending on the interest rate that applies during the saving period. The real value is what is recorded in the Bank's system.
Pesirah Business savings interest is credited to the customer's account at the beginning of each month, namely the 1st, except in December (credited on December 31). In the simulation example, the total interest for February 2025 will be credited on March 1, 2025 to the customer's account. Pesirah Savings interest is subject to Income Tax (PPh) at a rate according to applicable regulations.

Additional Information

Interest Rate

Interest Rate                                               Tiering

Rp 0 - Rp 2.5 million                                 0.00 %
> Rp 2.5 million - Rp 10 million 0.75 %
> Rp 10 million - Rp 100 million          1.00 %
> Rp 100 million - Rp 1 billion             1.50 %
> Rp 1 billion - Rp 2 billion                   2.00 %
> Rp 2 billion 2.25 %

Card Type & Limit

Pesirah Business savings owners can choose 2 (two) ATM-Debit card options, namely Pesirah Business Gold and Platinum AT-Debit cards whose transaction limits can change at any time. To get the latest information about the types and transaction limits of these cards, you can access the website https://www.banksumselbabel.com/id/product/cat/6/fasilitas-layanan/45/atm
As a Pesirah Business Savings Customer, it is important for you to understand the following information in order to use this product comfortably and safely.

If there are changes related to benefits, costs, risks, and terms and conditions of Pesirah Savings, the Bank will notify customers at least 30 working days before the changes take effect. This notification will be delivered by mail, website, or other media according to the Bank's policy.
Customers can check their balance and transaction history at any time through Bank Sumsel Babel's digital banking services, such as mobile banking and internet banking.
Customers can access the complete RIPLAY Tabungan Pesirah Bisnis document through the official website of Bank Sumsel Babel or by visiting the nearest branch office.
Pesirah Business Savings accounts that have no transactions for 12 consecutive months will be categorized as dormant accounts.
Pesirah Junior Savings accounts with zero balance and no transactions for 3 consecutive months will be automatically closed by the system.
Closing the Pesirah Business savings account can be done through the nearest Bank Sumsel Babel branch office by bringing physical and / or digital KTP-el and Pesirah savings book.
Pesirah Business Savings does not require the owner to have a business. All individuals and non-individuals who need its features are allowed to open a Pesirah Business savings account.

Disclaimer (Important to read)

The Bank reserves the right to reject your application for account opening or other products if you do not meet the applicable terms and conditions.
Customers are advised to read this Summary of Product and Service Information (RIPLAY) carefully to understand the benefits, costs, risks, and terms and conditions that apply. If there are things that are not clear, customers have the right to ask Bank employees to get further explanation before deciding to use this product

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