As a bank with wide infrastructure, Bank BTPN has been chosen by the government to become one of the banks providing branchless services as part of the OJK (Financial Services Authority) programs which aim to open financial service access to the public who have yet to receive banking services.

BTPN Wow! is a practical and affordable banking service which use mobile phone technology and is supported by branchless service agents who serve as a representative of Bank BTPN and is called BTPN Wow! agents.

With BTPN Wow!, banking transaction has become easier and simpler because opening an account, saving and withdrawing only needs a simple mobile phone and can be done in all Bank BTPN branchless agents or the BTPN Wow! agents. Any transaction is done through fast celluler network and the process is easy, cheap and save.



  • No queing
  • Any transactions can be done anytime anywhere
  • Transfer and bill payments can be done through a mobile phone



  • No monthly fees
  • No minimum balance and no minimum deposit
  • Phone credit top-up according to the nominal (except for Telkomsel)


  • Open an account only by registering your mobile phone number and ID card number
  • Your mobile phone number is your account number
  • Accessible through all GSM mobile phone
  • Type *247# from your mobile phone to access your account
  • Save and withdraw from your nearest BTPN Wow! agents


  • Any transaction must use secret PIN code
  • Your money is save in the bank although you lost your mobile phone

Interest rate at 0.25% p.a. (will be applied on September 1st, 2020)
Interest rate can change anytime

BTPN Wow! is a basic saving account (BSA) which is regulated and monitored by the Financial Services Authority (OJK) and is guaranteed by the Deposit Insurance Corporation (LPS).


Dormant Account

Starting January 2021, dormant system will be implemented for inactive BTPN Wow! accounts (no record of debit/credit transaction nor account access for 6 consecutive months). Dorman accounts will be blocked and charged for Rp. 1.000/month (dormant fees will be charged monthly on the 15, and can be debited from the main account balance and/or from the sub-account balance).


Click here for Customer Services Information.

Savings Account






Money Transfer




Agent Information

Be a BTPN Wow! Agent

BTPN Wow! Agents are business owners. The range includes grocery stores to other small home businesses. Some others are individuals with fixed income who has met the requirements to be Bank BTPN  representative. The Agents are BTPN Wow representatives provide  banking services to customers, to make banking services accesible to anyone. All banking transactions provided by Agents are done through mobile phone, simply by typing *365#, hence all BTPN Wow! Agents are required to have a mobile phone.


BTPN Wow! Agents services include the followings:

  1. Account opening
  2. Cash deposit service
  3. Cash withdrawal service
  4. Over the counter services (top up prepaid credit, top up data plan, top up e-wallet or bill payment)


Benefits to become a BTPN Wow! Agent :

  1. Additional income through agent’s commissions, which is generated from new account opening, customer cash deposit and withdrawals.
  2. Promo programs offered to agents.
  3. Agent training & certification including getting branding materials for the store/ business location.
  4. Improvement of own’s business profitability, as the more customers acquired, more profit is generated
  5. New business opportunities.


Distribution of BTPN Wow! Agents can be viewed by choosing region below:  


Interested in becoming an agent? It’s easy!

  1. Register your mobile phone number as your agent’s account number.
  2. Complete the registration to a nearby BTPN Wow! Agent or via email, BTPN Call 1500 300 and WA Agent Tanya BTPN Wow! 0878 22 247 365.
  3. Prepare all documents required: agent registration form, Letter of Business Domicile from local community principle/ Letter of recommendation from workplace, identity card and taxpayer identification number/ Statement letter not having taxpayer identification number.
  4. Wait for verification from BTPN.
  5. Upon verification pass, agent will have to sign a cooperation agreement.
  6. Once process is complete, registration is done and agent is ready.

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.


BTPN Mataram Customer

“Since the 1990s, I have been developing, accommodating and selling the handiwork of weavers. Unfortunately, the business was not going anywhere. After my retirement, I was determined to develop this business further. Now, together with the BTPN Purna Bakti, my business has grown and I have my own gallery.”

Cecep Solihin

BTPN Bogor 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.”

Rudy Chandra 

BTPN Pecenongan Customer

Small to medium retail printing is a capital heavy business, but what we sell is largely service-unlike the large scale printing companies. Not many banks are willing to look past the surface and understand the type of business that I have built and run since 8 years ago. With the Bank’s support and assistance over the past 2 years, my business continues to grow together with BTPN Mitra Bisnis.