Premium savings account product with optimum investment return

It is our commitment in BTPN Sinaya to become a bank that provides excellent and personal services.

Therefore, we never stop to innovate and introduce products that can fulfil your needs.

BTPN Sinaya has two time deposit products that offer optimum investment return, namely Deposito Berjangka and Deposito Fleksi. 

BTPN Deposito Berjangka gives customers a comfort to determine the maturity period for their deposits. BTPN Deposito Fleksi, meanwhile, provides them with flexibility to make funds withdrawal without penalty.

Through Deposito Berjangka and Deposito Fleksi products, BTPN Sinaya will pay out return according to interest rate that is agreed upon the beginning of funds placement and should no funds withdrawal is made until the maturity date.

The interior in our offices is specially designed for services and the comfort of our customers.

Design specially by prominent architect Budi Lim, 65 BTPN Sinaya offices and 35 Sinaya Centers in 35 Indonesian cities implement the concepts of Indonesian nature’s theme and our closeness with customers. 

Non-branch services via Personal Banker

ATM and Debit Card Services


  • Your BTPN Sinaya ATM Card is more complete with VISA
  • Accessible in ATMs bearing the PLUS/Bersama/PRIMA logo in Indonesia and overseas
  • Can be used for shopping transactions in all merchants with the VISA logo in Indonesia and overseas.



Banking made easy with Jenius.

You can do all your banking activities through your smartphone , from sending to saving money, paying the bills, comprehensive bank statements, to making deposits. 

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.”