TabunganKu is a Bank Indonesia program where TabunganKu is a savings account for individuals with easy and light requirements issued jointly by banks in Indonesia in order to foster a culture of saving and improve the welfare of the community.
Issuer Name
PT Bank Pembangunan Daerah Sumatera Selatan dan Bangka Belitung
Main Features
Account Owner Individual
Initial Deposit Minimum Rp 20.000,-
Minimum Balance Minimum Rp 20.000,-
Over The Couter Deposit Rp 10.000,-
Over The Counter Withdrawal Minimum Rp 100.000,-
Debit Card Type Blue ATM Card, Gold ATM Card & Platinum ATM Card
Benefits
Savings facilities with easy and light requirements.
Free monthly account adm fee.
Equipped with transaction services using ATM-Debit card and e-Banking services such as SMS Banking, Mobile Banking and Internet Banking.
Risks
As a TabunganKu 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. If there are errors or data discrepancies, the customer will be responsible for all risks or consequences that arise.
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 programme. If something happens to the Bank that causes risk to deposit funds, balances beyond the guaranteed limit will not get protection from LPS.
Tabungan TabunganKu interest rates are subject to change at any time in accordance with the Bank's policies and market conditions. This change may affect the amount of interest received by the Customer. Therefore, it is advisable 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 endeavour to provide the best solution in such circumstances, but the Customer needs to understand that there is a risk of transaction delays or disruptions in certain circumstances.
Requirements and Procedures for Opening an Account
Using rupiah currency.
Can be owned by individual customers.
Bring documents in the form of e-KTP/KK for Indonesian citizens and Passports by attaching KIMS/KITAS/KITAP/KTP for foreigners/Certificate from the company where they work.
Fill out and sign the Account Opening Application and Approval Form.
Submit an initial deposit of Rp 20,000, -
Maintain a minimum balance of Rp 20,000, -
Fees
FREE monthly administration fee
FREE under-minimum balance penalty
FREE account closing fee Rp 20,000, -
FREE book replacement fee
FREE monthly administration fee ATM-Debit Card
Blue ATM-Debit Card Rp 1,000, -
Gold ATM-Debit Card Rp 2. 000,-
ATM-Debit Platinum Card Rp 3,000,-
ATM-Debit Card Creation Fee
Regular ATM Card a. ATM-Debit Blue Card Rp 3,000,- b. ATM-Debit Gold Card Rp 10,000,- c. ATM-Debit Platinum Card Rp 20,000,-
ATM Visa Card a. ATM-Debit Blue Card Rp 7,500,- b. ATM-Debit Gold Card Rp 10,000,- c. ATM-Debit Platinum Card Rp 20. 000,-
ATM Card with Chip a. Blue ATM-Debit Card Rp 15,000,- b. Gold ATM-Debit Card Rp 20,000,- c. Platinum ATM-Debit Card Rp 25,000,-
ATM-Debit Card Replacement Fee
Regular ATM Card a. Blue ATM-Debit Card Rp 5,000,- b. Gold ATM-Debit Card Rp 10,000,- c. Platinum ATM-Debit Card Rp 20,000,-
Visa ATM Card a. Blue ATM-Debit Card Rp 5,000,- b. Gold ATM-Debit Card Rp 10,000,- c. Platinum ATM-Debit Card Rp 20,000,- Visa ATM Card a. Blue ATM-Debit Card Rp 7,500,- b. Gold ATM-Debit Card Rp 10,000,- c. Platinum ATM-Debit Card Rp 20,000,-
ATM Card with Chip a. Blue ATM-Debit Card Rp 15,000,- b. Gold ATM-Debit Card Rp 20,000,- c. Platinum ATM-Debit Card Rp 25,000,-
Simulation
Additional Information
Interest Rate Interest Rate Tiering Rp 0 - Rp 500 thousand 0.00 % > Rp 500 thousand - Rp 1 million 0.25 % > Rp 1 million 1.00 %
The fund development result in Tabungan TabunganKu is indicative. The final value of the fund development result can be greater or smaller depending on the interest rate that applies during the saving period. The actual value is what is recorded in the Bank's system.
TabunganKu savings interest is credited to the customer's account at the beginning of each month on the 1st, except in December (credited on 31 December). In the simulation example, the total interest for February 2025 will be credited on 1 March 2025 to the customer's account. Interest on Tabungan TabunganKu is subject to Income Tax (PPh) at a rate in accordance with applicable regulations.
Card Type & Limit
TabunganKu savings account holders can choose from three ATM-Debit card options, namely Blue, Gold and Platinum 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 websitehttps://www.banksumselbabel.com/id/product/cat/6/fasilitas-layanan/45/atm
As a TabunganKu Savings Customer, it is important for you to understand the following information in order to use this product comfortably and safely.
If there are any changes related to the benefits, fees, risks, and terms and conditions of Tabungan TabunganKu, the Bank will notify the customer at least 30 working days before the changes take effect. This notification will be delivered via letter, 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 TabunganKu document through Bank Sumsel Babel's official website or by visiting the nearest branch office.
Tabungan TabunganKu accounts that have no transactions for 6 consecutive months will be categorised as dormant accounts and the account will be charged a penalty of Rp 2,000 per month. If the account balance reaches less than or equal to Rp 20,000,- then the account will be closed unilaterally by the bank by the system with a closing fee of the remaining balance.
TabunganKu savings account with zero balance and no transaction for 3 consecutive months will be closed automatically by the system.
Closing of TabunganKu savings account can be done through the nearest Bank Sumsel Babel branch office by bringing physical and/or digital KTP-el and TabunganKu savings book.
Disclaimer (Important to read)
The Bank reserves the right to reject any application for account opening or other products if you do not fulfil 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 is anything that is unclear, the customer has the right to ask a Bank employee for further explanation before deciding to use this product.
FAQ
Customers can submit complaints to Bank Sumsel Babel through Call centre Support:
Customer Care Hotline 1500711
Customer Care Email contactcenter@banksumselbabel.com
