Time Deposit

Gives customers an ease to determine the maturity period for their deposits. You can choose from a variety of options from 1 to 12 months, 18 months, or 24 months.

Product Overview

  • The product offers a return that is accordance to the interest rate that is agreed upon the beginning of the funds placement, should no withdrawal made until the deposit term ends.
  • A customer who withdraws his or her funds before the maturity date will become a subject of penalty and will not eligible to receive the accrued interest.
  • All paid interest are subject to taxes stipulated by the government 
  • The minimum amount of principal is Rp 10,000,000
  • Maturity periods are available for 1-12 months, 18 months and 24 months.  
  • The maturity period can be extended automatically (Automatic Roll Over-ARO)
  • An extension can be made for the amount of the principal only or the amount of the principal and the interest.
  • Interest can be paid in monthly scheme or when the term ends.
  • Information services regarding time deposit transactions are available from Sinaya Notification (through SMS and e-mail). To access the Sinaya Notification services automatically, customers should use cellular services from a local GSM provider (Telkomsel, XL, Indosat, Axis or Three (3)).
  • Information about the accounts is provided in time deposit advice and/or electronic statement (e-statement)*.

*To access the e-statement service, a customer must first register with the BTPN. 

  • Available in foreign currencies US Dollar, Singapore Dollar dan Japanese Yen


Customer terms & conditions


Get Deposito Berjangka Now

  • Available for individual and non-individual customers
  • Complete the product opening/placement form and submit supporting documents that are required
  • Own a savings account or demand deposit account with BTPN as a source of funds and funds receipt account to withdraw the time deposit.
  • Required documents:

Individual – Indonesian Citizens

  • Original ID card
  • NPWP (tax identification number) Card

Individual – Foreign Citizens

  • Passport
  • Temporary Stay Permit (KIMS/KITAS) or Reference Letter


  • Original ID card
  • NPWP (tax identification number) Card
  • Company documents, such as SIUP (business permit) and TDP (company registration certificate) 

Customers who need to get information, share advise or complaints regarding BTPN products and/or services, can directly contact our Consumer Complaints Management Unit in the nearest BTPN branch office or BTPN Call on 1500300. 

Significant Impact

Our empowerment program is an integrated element to our business model. We will always try to create opportunities for all BTPN customers to grow and make a more meaningful life through our products and activities.

Wignyo Rahadi

BTPN Sinaya Customer

“I started my tenun (traditional woven cloth) business in 1997. After three years, I began offering training and work opportunities for local communities in Sukabumi, West Java, in Bengkel Tenun workshop. My empowerment project has helped locals who have received trainings to improve their life. Many of them have even started out their own business and also train others to grow and develop together.”  

Cecep Solihin

BTPN Sinaya Customer

“My business has grown significantly after three years of becoming a BTPN customer. Especially with the trainings I received from BTPN, now I understand about bookkeeping and business management. There, I also learnt about online business.”

Joice Handoko

BTPN Sinaya Customer

“As a BTPN customer, I feel compelled to share with and empower others. In every occasion, I always encourage other customers who run businesses to introduce online marketing. I’m so glad to contribute by providing training for micro and small business owners on how to use the internet to sell their products online.”