Savings Account & Checking Account
Product | Currency | Tiering | Interest Rate | |
Savings Account | Rupiah | Rp0 – Rp7.500.000 | 0% | |
> Rp7.500.000 | 0,5% | |||
Premium Savings Account | Rupiah | Rp0 - Rp7.500.000 | 0% | |
Rp7.500.001 - Rp9.999.999 | 1% | |||
Rp10.000.000 - Rp49.999.999 | 1,5% | |||
≥ Rp50.000.000 | 2% | |||
Checking Account | Rupiah | Rp0 - Rp1.999.999 | 0% | |
Rp 2.000.000 - Rp14.999.999.999 | 0,5% | |||
≥ Rp15.000.000.000 | 1% | |||
Premium Checking Account | Rupiah | Rp0 - Rp49.999.999 | 0% | |
Rp50.000.000 - Rp499.999.999 | 1% | |||
Rp500.000.000 - Rp4.999.999.999 | 1,5% | |||
≥ Rp 5.000.000.000 | 2% | |||
Global Checking Account | USD | USD 0 - 499,999 | 0% | |
≥ USD 500,000 | 0,1% | |||
SGD | SGD 0 - 499,999 | 0% | ||
≥ SGD 500,000 | 0,1% | |||
GBP | GBP 0 - 249,000 | 0% | ||
≥ GBP 250,000 | 0% | |||
EUR | EUR 0 - 249,999 | 0% | ||
≥ EUR 250,0000 | 0% | |||
AUD | AUD 0 - 249,999 | 0% | ||
≥ AUD 250.000 | 0.10% | |||
HKD | HKD 0 - 2,499,999 | 0% | ||
≥ HKD 2,500,000 | 0,1% | |||
JPY | JPY 0 - 249,999 | 0% | ||
≥ JPY 250,000 | 0% |
*Interest rates can change at any time
Global Account
|
Currency |
Tier |
Interest Rate (per year) |
|
USD |
USD 0 - 24,999 |
0% |
|
≥ USD 25,000 |
0.1% |
|
|
SGD |
SGD 0 - 49,999 |
0% |
|
≥ SGD 50,000 |
0.1% |
|
|
GBP |
GBP 0 - 24,999 |
0% |
|
≥ GBP 25,000 |
0% |
|
|
EUR |
EUR 0 - 24,999 |
0% |
|
≥ EUR 25,000 |
0% |
|
|
AUD |
AUD 0 - 24,999 |
0% |
|
≥ AUD 25,000 |
0.1% |
|
|
HKD |
HKD 0 - 24,999 |
0% |
|
≥ HKD 25,000 |
0.1% |
|
|
JPY |
JPY 0 - 24,999 |
0% |
|
≥ JPY 25,000 |
0% |
*Interest rates can change at any time
Global Checking Account
|
Currency |
Tier |
Interest Rate (per year) |
|
USD |
USD 0 - 499,999 |
0% |
|
≥ USD 500,000 |
0.1% |
|
|
SGD |
SGD 0 - 499,000 |
0% |
|
≥ SGD 500,000 |
0.1% |
|
|
GBP |
GBP 0 - 249,999 |
0% |
|
≥ GBP 250,000 |
0% |
|
|
EUR |
EUR 0 - 249,999 |
0% |
|
≥ EUR 250,000 |
0% |
|
|
AUD |
AUD 0 - 249,999 |
0% |
|
≥ AUD 250,000 |
1% |
|
|
HKD |
HKD 0 - 2,499,999 |
0% |
|
≥ HKD 2,500,000 |
0.1% |
|
|
JPY |
JPY 0 - 249,999 |
0% |
|
≥ JPY 250,000 |
0% |
*Interest rates can change at any time
Prime Landing Rate
Integrated Conventional Commercial Banks Report Period: April 2026 | Non-SME Credit | SME Credit | KPR/KPA | Non-KPR/Non-KPA | |||
| Corporation | Retail | Medium | Small | Micro | |||
| Cost of Basic Credit (HPDK) (%) | 4.24% | - | - | - | - | - | - |
| Overhead Cost (%) | 1.82% | - | - | - | - | - | - |
| Profit Margin (%) | 0.61% | - | - | - | - | - | - |
Prime Lending Rate (SBDK) (%) (HPDK + Overhead + Margin) | 6.67% | N/A | N/A | N/A | N/A | N/A | N/A |
Qualitative Disclosure
| Category | Definition of Credit Categories | Indicator/Criteria for Credit Category |
| Corporation | Credit given to the company or legal entity | Plafond > Turnover up to IDR1.5 trillion |
| Retail | Credit given to individuals | Plafond IDR500,000 up to IDR15,000,000 |
Remarks:
- The SBDK is determined by the Bank based on various factors, namely the reference interest rate set by the relevant authority, cost of funds for credit, overhead costs, profit margin, and economic conditions.
- The SBDK has not taken into account the risk premium estimation component, the amount of which depends on the Bank's assessment of the risk for each debtor or group debtors.
Jakarta, 17 June 2026
Management of PT Bank QNB Indonesia Tbk
LPS Guarantee Interest Rate
The Indonesia Deposit Insurance Institution (Lembaga Penjamin Simpanan/LPS) guarantee interest rate is as follows.
The maximum value of deposit guaranteed by LPS for each customer is IDR2,000,000,000 (two billion rupiah).
In accordance to the guaranteed interest rate for the period of 1 June 2026 to 30 September 2026, the interest rate for deposit guaranteed by LPS is as follows:
| Rupiah | Forex |
| 3.50% | 2% |
To know more about the LPS' guarantee interest rate, please click here.
Jakarta, 2 June 2026
The Management of PT Bank QNB Indonesia Tbk
