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 using USSD-based technology and Android-based mobile app, supported by branchless service agents as a representative of Bank BTPN and is called BTPN Wow! agents.

BTPN Wow! enables easy, smooth, simple banking transaction, where opening an account, saving and withdrawing uses only mobile phone, as well as BTPN Wow agents. Transactions are done through USSD-based technology and Android-based mobile app and the process is easy, safe and low-cost.



  • 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


  • Open account by registering your mobile phone number and ID card with valid 16 digit citizenship number
  • Your mobile phone number is your account number
  • Accessible through all GSM mobile phone
  • Type *247# or via BTPN Wow! Android-based mobile banking app directly 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
  • Your saving is guaranteed by the government.


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 a new  dormant system is implemented to inactive BTPN Wow! accounts. Effective as of 17 Sept 2021 Bank BTPN make changes to the provisions regarding the status of an account which will be an inactive account if there are no debit/credit transactions within 6 consecutive months, thus it will be a passive/dormant account after 12 months. More information can be accessed here.

Starting August 15, 2022, Inactive and/or passive/dormant accounts will be blocked and charged for Rp. 5.000/month (inactive and passive/dormant account 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 [email protected], 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.