The light that empowers, creates a more meaningful life

BTPN Sinaya is the BTPN funding business unit that offers security, excellent personal services and optimum return from quality products.

BTPN Sinaya has three main products, namely administration fee-free savings accounts, time deposits with funds withdrawal flexibility and bancasurrance in cooperation with a prominent insurance company.

Under BTPN Sinaya, your funds will grow with optimum return from interest rates set on par with those for time deposits, apart from a journey in empowering millions of players in Indonesia’s mass market that consists of pensioners, micro, small and medium enterprises (MSMEs) and productive poor households.

Enjoy a variety of BTPN Sinaya products on demand deposits and administration fee-free savings accounts, which you can get from our BTPN Taseto Premium, BTPN Taseto Mapan and BTPN Taseto Bisnis products.

Apart from the administration fee-free savings accounts, BTPN Sinaya also offers time deposit products, namely Deposito Berjangka and Deposito Fleksi.               

In cooperation with PT. Asuransi Allianz Life Indonesia, BTPN offfers bancassurance products with two options, namely Guardia Premium and Guardia Investa.

With BTPN Sinaya, develop yourself and others to create a more meaningful life.

Your Money Journey

In BTPN Sinaya, not only does your money gain significant interest in line with deposit account, but also embarking a journey of empowering others to improve the lives of Indonesians.

Follow your money in BTPN Sinaya for a greater significance.

Savings Account & Current Account

BTPN Sinaya offers various savings account products that offers security, excellent personal services and optimum return.


Time Deposit

BTPN with BTPN Sinaya is committed to provide premium, personal services.



Partnering with PT Asuransi Allianz Life Indonesia, BTPN Sinaya is committed to give you the comfort and security of you and your family’s future.


Investment Product

Investment products from BTPN Sinaya that consist of Mutual Fund dan Government Bond


Product Charges

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.”