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).

Click here for Customer Services Information.

Savings Account






Money Transfer




Agent Information

Be a BTPN Wow! Agent.

BTPN Wow! Agent is the owner of a groceries store / small business / employee with monthly income who have met the requirements to be representative of BTPN in providing banking services to customer, so it become more accessible by anyone. Agents are only need to have a mobile phone, as all transactions are done via phone by typing * 365 #.

  1. Open an account
  2. Make a cash deposit
  3. Make a cash withdrawal

Want to be an Agent? Follow the easy steps below:

  1. Register your mobile phone number as your agent’s account
  2. Register via email to
  3. Prepare all documents required : agent registration form, Letter of Business Domicile from local community principle / Letter of recommendation from workplace
  4. Wait for verification from BTPN
  5. If you pass the verification, agent will have to sign the contract
  6. Process end, agent is ready to operate

Benefits to become A BTPN Wow! agent:

  1. Extra income from agent’s commissions and entitled to take part on a special program for agent.
  2. Entitled for agent training and certification including getting branding materials for the store/business location (sticker, poster, shop blind).
  3. The more customers, the more visitors come to the store. Which mean more income to be generate.
  4. Opportunity to get bank loan

Find the nearest BTPN Wow! Agent from your location, choose the region below:

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.