Tabungan Sinaya

A specially designed savings account product to help you experience the flexibility of savings accounts while enjoying the optimum level of return.  

Product overview 

  • Offers competitive interest rates
  • Account can be accessed from BTPN branch offices
  • Equipped with ATM/debit Card
  • All paid interest are subject to taxes stipulated by the government 
  • Minimum amount of initial deposit Rp 1,000,000
  • Minimum balance to be eligible for interests is Rp 5,000,000
  • No hold amount by system (start from 18 September 2017)
  • Information services regarding account 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)
  • Information about account transactions is provided in electronic statement (e-statement)*

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


  • Easy transactions, including balance checking, cash withdrawal and interbank transfer in ATM Bersama and Prima Networks, and debit transactions in Prima/BCA Network
  • Free transaction fees in Prima ATM/Debit Network and ATM Bersama Network should a customer meets the BTPN’s terms and conditions. For a complete information please refer to the Rates and Fees Information that is available in the nearest Sinaya branch office and at



Customer terms & conditions



  • Available for individual customers
  • Complete the account opening 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

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. Customers can also send a mail to P.O. Box 8080 Jakarta – 1000.

Other Savings Account

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.”