TEMPO.CO, Jakarta - Indonesia's Financial Transaction Reports and Analysis Center (PPATK) has decided to temporarily block dormant bank accounts that have not recorded any activity for a certain period. This policy aims to protect the legitimate owners and maintain the integrity of the national financial system.
"Over the past 5 years, PPATK's analysis has revealed the rampant use of dormant accounts, which unbeknownst to their owners, become targets of criminal activities," PPATK wrote in a press release on Tuesday, July 29, 2025.
Will the Balance in Dormant Accounts Disappear?
PPATK has confirmed that the balance in dormant accounts remains safe and intact. However, dormant accounts are still charged monthly administrative fees. "Dormant accounts are still obligated to pay administrative fees to the bank, causing many dormant accounts to deplete their funds and be closed by the bank," said PPATK.
Based on Tempo's investigation, several banks have imposed penalties on dormant accounts. Penalties are automatically deducted from customer balances. Some banks also impose additional penalties if the balance falls below the minimum requirement. The amount of penalties varies depending on the policies and types of savings or checking products.
"A dormant account is subject to an administrative fee of Rp 2,500/month. If there are no transactions other than system transactions, your account will still incur fees, thereby reducing the remaining balance in your account," as stated on the PT Bank Muamalat Indonesia Tbk's website, on Thursday, July 31, 2025.
What Happens If an Account Becomes Dormant?
Accounts that remain unused for a certain period will become dormant. The duration for an active account to become dormant can vary depending on the regulations set by each bank, but generally is 3-12 months. Referring to PT Bank Negara Indonesia (Persero) Tbk or BNI's website, here are a few things that happen when an account becomes dormant:
- Unable to perform debit transactions such as cash withdrawals and transfers through various electronic channels, such as Automated Teller Machines (ATMs), internet banking, or mobile banking (m-banking).
- Unable to perform debit transactions for purchases at stores or through electronic data capture (EDC) machines.
- Only able to receive incoming transfers from other banks and electronic channels (in addition to through bank branches).
- Can receive money transfers, but does not change the dormant account status to active.
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