The types of BNI savings are very diverse. Starting from savings for children, teenagers, to adults. As for the types, they range from sharia to workers. You can adjust the savings based on your needs and the requirements you have. This time, we will discuss the various types of BNI savings and all the requirements that must be met when you want to register for one of these types of savings. For those of you who just want to make or are going to make BNI savings, then you must understand all types of BNI savings through the article below.

BNI Plus Savings

First, there is a type of BNI Plus savings. BNI Plus savings is the first type of BNI savings that is widely used by every BNI customer. Both conventional and sharia will be available with this type of savings. There are several types of BNI Syariah savings without deductions. One of them is BNI Taplus itself. There are many advantages of this type of BNI Taplus savings. You can feel the various advantages below if you use BNI Taplus.

Advantages of BNI Taplus

There are several advantages that you can get from BNI Taplus. These advantages are:
  1. Progressive interest rates with attractive and relatively low interest rates. Which is calculated on the basis of the average daily balance.
  2. You can make deposits and cash withdrawals online at all nearby BNI branches.
  3. You can participate in various kinds of prize draw programs that are usually held by BNI.
  4. You will also receive BNI debit card facilities as well as e-banking services, SMS banking, BNI internet banking, and also BNI Mobile Banking.
  5. In addition, you can also choose BNI debit cards such as Silver, Gold, and Platinum that you can adjust according to your needs and abilities.

BNI Taplus Requirements

After knowing the various advantages of BNI Taplus, there are also requirements that are imposed when you want to register and make this type of BNI Taplus savings. These conditions are:
  1. For the initial deposit, you must deposit a minimum of IDR 500,000 for those who live in the Greater Jakarta area, and IDR 250,000 for those who live outside Greater Jakarta.
  2. For the next deposit, you can deposit your money with a minimum deposit of IDR 5,000.
  3. The balance that stays at your ATM has an average minimum value of IDR 150,000.
  4. Meanwhile, for those of you who violate the provisions regarding balances below the minimum average, the applicable fine is IDR 5,000.
  5. There is also an administrative or account management fee of Rp 11,000 every month.
  6. For book replacement, there will be a fee of Rp 1,500.
  7. And finally, there is an account closing fee of IDR 10,000.

Features of BNI Taplus

After knowing all the advantages and requirements imposed on the type of BNI Taplus savings, this time we will discuss the features that BNI Taplus has. These features are:
  1. The rate of your administrative arrears will be charged a maximum of 3 times the arrears.
  2. Likewise, the penalty arrears rate for balances below the average will be charged a maximum of 3 times the arrears.
  3. For the arrears rate, the card administration fee will be charged a maximum of IDR 10,000.

BNI Giro

Furthermore, there is a BNI Giro type of savings account that offers flexibility and convenience in every business transaction. This type of BNI Giro savings has services in the individual and non-individual segments. Not only BNI Taplus, this type of BNI Giro also has advantages that you can enjoy when using this type of savings. These advantages are:

Advantages of BNI Giro

There are several advantages that you can enjoy by using this BNI Giro. These advantages are:
  1. For those who use BNI Giro type savings, you will get details of the current account mutation every month or anytime when you need it. This will make it easier for you to monitor the transactions that occur.
  2. There are also various currency options, both rupiah, dollars, to euros and pounds.
  3. BNI Giro also provides current account services with a competitive and progressive daily interest calculation system. So that the larger the balance in your account, the higher the current account service you can get.
  4. BNI Giro is not included in the blacklist of Bank Indonesia so this savings will be very safe and reliable.

Current Account Savings Requirements

After knowing the various advantages of this BNI Giro, this time we will discuss what conditions must be met if you want to register for this type of current account. For those of you who want to make current account savings, the requirements needed are:
  1. Fill out the application form and other required documents.
  2. Attach a copy of your ID card, NPWP, Deed of Establishment, Articles of Association of the Company and its Amendments, SIUP, and reference letters.
  3. Furthermore, you must provide an initial deposit according to the provisions that apply to this type of BNI Giro Savings account.

Features of BNI Giro

After knowing the requirements needed to register, this time we will discuss the features of BNI Giro that you can enjoy when using it. The features below are features for BNI Giro individuals. These features are:
  1. BNI Debit Card (Silver, Gold, Platinum)
  2. Automatic Transfer System (Sweep Account Online)
  3. E-channel
As for BNI Giro non-individuals, you can get several features such as:
  1. Automatic transfer system
  2. BNI Direct, or internet banking
  3. Autodebit
  4. BNI Virtual Account which can be used for debit and credit transactions.

BNI Taplus Muda Savings

One of the BNI savings that many students own is BNI Taplus Muda. BNI Taplus Muda is intended for customers aged from 17 to 35 years old. Therefore, there are a lot of students who use this type of BNI savings because they provide a fairly light initial deposit. BNI Taplus Muda Savings also has several advantages that you can enjoy. Below we will discuss some of these advantages.

Advantages of BNI Taplus Muda Savings

There are several benefits and advantages of this BNI Taplus Muda savings account. These advantages are:
  1. The minimum initial deposit is IDR 1,000 and the subsequent deposit is a minimum of IDR 10,000.
  2. For the administration fee every month, a fee of Rp 5,000 will be charged.
  3. The fee for closing an account for those of you who want to close the account is IDR 50,000.
  4. For the creation of a standard debit card, there is no charge at all, or it is free.
  5. For the creation of a personalized debit card, a fee of IDR 25,000 will be charged.
  6. Meanwhile, for the replacement of lost or damaged cards, a fee of Rp 25,000 will be charged.

BNI Taplus Muda Savings Requirements

For those of you who want to open this BNI Taplus Muda type savings account, the conditions that you must meet are:
  1. Aged 17 years to 35 years.
  2. In addition, you must prepare a minimum initial deposit of IDR 50,000
  3. For the cost of making a personalized debit card, a fee of IDR 25,000 will be charged
  4. And the cost of replacing the card if lost or damaged is IDR 25,000.

Features of BNI Taplus Muda Savings

Furthermore, there are several features of BNI Taplus Muda savings that you will get when using this type of savings account, namely:
  1. E-Banking
  2. BNI CDM (Cash Deposit Machine)
  3. BNI Cashless (Non Cash ATM)
  4. Transaction Notification Service via SMS.

BNI Taplus Bisnis Savings

This type of BNI Taplus Bisnis savings is intended for various business interests by each customer. You can open a BNI Taplus Bisnis savings account for individuals or also by business entities. There are also advantages of BNI Taplus Bisnis savings that you can enjoy when using it. These advantages will be discussed through the following article.

Advantages of BNI Taplus Bisnis Savings

The advantage of BNI Taplus Bisnis savings is that you can get cash flow every month. From each of these cash flows, you will also get an attractive interest rate of 2.25 percent every year. For those of you who are interested in making this type of BNI Taplus Bisnis savings, there are also several conditions that you must meet.

BNI Taplus Business Savings Requirements

For those of you who want to register for BNI Taplus Bisnis savings, there are conditions that you must meet, including:
  1. There is a minimum initial deposit that you must meet of IDR 1,000,000
  2. Furthermore, there is a minimum balance every month of IDR 1,000,000
  3. There is an administrative fee every month which is Rp 10,000
  4. And if you have violated the minimum balance provisions, you will be fined IDR 20,000.

Features of BNI Taplus Business Savings

There is a feature that you can enjoy from this type of BNI Taplus Bisnis Savings account, which is found in two debit card options, namely gold and platinum. Each selection of gold and platinum debit cards has fee conditions, which are as follows:
  1. For the type of gold card, there is a card making fee of IDR 15,000 and card replacement of IDR 20,000
  2. For the platinum card, there is a card manufacturing fee of IDR 20,000 and a card replacement fee of IDR 25,000.

BNI Pandai Savings

Other types of BNI savings include BNI Pandai savings. This savings account is part of the BNI program with the Financial Services Authority. You don't need to waste time by coming to BNI branch offices to save money or save. You can also save through Agen46, which is a form of cooperation with BNI.

Advantages of BNI Pandai Savings

There are several advantages of this type of BNI savings, the first is that there is an unrestricted initial deposit. Likewise with the next deposit. That way, you are free to make an initial deposit, without having to be burdened to chase the set number. However, it is different from the minimum balance which is limited to IDR 20,000,000. Other advantages are free administrative fees, dormant account fees, and account closing fees. These three transactions will not be charged at all for this type of savings.

BNI Pandai Savings Requirements

There are conditions that you must meet to register for BNI Pandai. These conditions are:
  1. Go to Agen46 and fill out the account opening form.
  2. Receive proof of account opening transaction from Agen46.
  3. The next one will be directed by Agen46 to be able to enjoy BNI SMS Banking facilities and other facilities.

Features of BNI Pandai Savings

There are several features that you can enjoy when using this BNI Pandai savings, namely, you can register for BNI SMS Banking without having to come to a BNI branch office. You can use every digital facility from BNI for every transaction you make. With BNI Pandai, you don't have to bother going to a branch office and can open an account through Agen46.

BNI Taplus Anak Savings

The next type of savings is BNI Taplus Anak. This type of BNI savings is specifically for children under 17 years old. Usually, these savings are made by parents for the needs and interests of their children. However, there are also some children who are learning to be independent and take the initiative to make their own savings using this type of BNI savings.

Advantages of BNI Taplus Anak Savings

The following are some of the benefits and advantages of the BNI Taplus Anak savings type, namely:
  1. The first is as a means of education for children to be able to make their own transactions at ATMs.
  2. Furthermore, as a means to teach independence and honesty to children to manage their own money.
  3. Parents will also not lose supervision because they will get SMS notifications from every transaction made by their children.
  4. Free of account management fees or admin fees.
  5. And lastly, there are many attractive promos for this type of savings.

BNI Taplus Anak Savings Requirements

For parents, there are requirements that must be met if they are interested in participating in this savings program from BNI. These conditions are:
  1. Every parent is required to have a BNI account first, if not, parents will be advised to have the BNI account. Parents are also required to fill out the Individual Customer Data Application (CIF) form signed by their parents.
  2. Next, fill out the account opening approval form and the implementation of the transaction signed by the parents.
  3. And the last one attaches a photocopy of proof of parental identity such as KTP/SIM/Passport.
Meanwhile, the requirements for the child that must be met are:
  1. Fill out the Individual Customer Data Application (CIF) form and account opening form signed by parents and children.
  2. Attach a photocopy of your birth certificate or student card.
  3. Attach a copy of the Family Card (especially those who live in the same household with parents)
  4. And the last condition is to provide an initial deposit of IDR 100,000 with a minimum subsequent deposit of IDR 10,000.

Features of BNI Taplus Anak Savings

Here are some of the features and benefits that you can get when using this type of BNI Taplus Anak savings.
  1. For BNI Taplus Anak balances less than IDR 100,000, then there is no interest rate charged to you.
  2. As for the balance of IDR 100,000 - IDR 5,000,000, an interest rate of 1 percent will be charged.
  3. And balances of more than IDR 5,000,000 will be charged an interest rate of 1.5 percent.

BNI Tapenas Savings

For this type of BNI Tapenas savings, it is intended for every community who wants to enter retirement, namely BNI Tapenas or Future Planning Savings. This type of savings is a term savings from BNI. You can also use this as an investment for better future planning. You can understand some of the advantages provided by BNI savings through the explanation below.

Advantages of BNI Tapenas Savings

The advantage of this type of BNI Tapenas savings is that the interest rate is higher than other types of BNI savings, which is 4 percent per year. There is also premium-free insurance that is automatically added as a benefit from savings. This will make it easier for you to prepare for a better future.

BNI Tapenas Savings Requirements

There are conditions that are deferred for those of you who want to register for this BNI Tapenas type of savings. These conditions are:
  1. The minimum initial and monthly deposit is IDR 100,000 with a maximum deposit of IDR 5,000,000.
  2. The available term options are 2 to 18 years.
  3. The administrative fee charged is Rp 18,000 every year.
  4. Furthermore, you will be charged a tax fee of 20 percent on the interest you get.

Features of BNI Tapenas Savings

The features that you can get from BNI Tapenas savings are free of auto-debit failure fees and free account closing fees at maturity. In addition, you can also get an account closing fee before maturity of only 1 percent of the minimum final balance of IDR 100,000 or USD10. The tax paid is 20% on the interest paid. In addition, there is a fee for managing accounts and administrative fees are only charged Rp 18,000 per year for each account. Services are also available in US dollars.

BNI Dollar Savings

Furthermore, there is a choice of BNI Dollar type savings which are savings that provide services in foreign currencies (USD/SGD), which have an exchange rate that tends to be stable and safe. This savings account also provides various conveniences in transactions.

Advantages of BNI Dollar Savings

There are several advantages and benefits that can be obtained from this type of BNI savings, namely:
  1. The interest rate on foreign exchange savings that can be calculated on the basis of daily balances.
  2. The monthly administration fee is light and competitive.
  3. Can open an account in the name of an individual or company and a joint account.
  4. The choice of currencies is USD and SGD.
  5. Individual customers receive passbook facilities and BNI Swaps ATM cards.
  6. The company's customers will receive a printed or printed bank statement every month.

BNI Dollar Savings Requirements

There are conditions that you need to apply in making this type of BNI Dollar savings. These conditions are:
  1. Have a personal identity card such as KTP, driver's license, passport.
  2. Have a Temporary or Permanent Residence Permit Card for foreigners.
  3. Fill out the BNI Dollar application form and make an initial deposit.

BNI Dollar Savings Features

Here are some features that make it easier for you to make transactions with BNI Dollar:
  1. Individual customers will be given a BNI Dollar book to facilitate account mutation monitoring.
  2. BNI Dollar fund deposits can be made in cash (IDR or foreign exchange)
  3. BNI Dollar fund transfer transactions can be done anywhere and anytime through BNI Internet Banking.
  4. Online BNI Dollar withdrawals can be made at any BNI outlet.
  5. Cash withdrawals can be made in rupiah, USD, SGD, or other foreign currencies, as long as the currency is available at the outlet.

BNI Haji Savings

BNI Hajj Savings is a Hajj savings product offered by Bank BNI with the aim of helping customers plan for Hajj and Umrah. This hajj savings is managed by a mudharabah contract or cooperation. There are two hajj savings programs from BNI, namely, BNI Haji and BNI Savings iB Hasanah from BNI Syariah. However, the requirements and benefits provided by both are the same. The two hajj savings products offered by BNI also provide options for regular and special hajj or plus hajj with different funds. Customers who open a hajj savings account from BNI will get a myriad of features and benefits that will help plan their worship funds to the Holy Land.

Advantages of BNI Haji Savings

The Hajj savings issued by BNI or BNI Syariah have a number of advantages, advantages of BNI Hajj savings, namely:
  1. It is managed based on sharia principles so that it is more reassuring for Muslims.
  2. Providing a choice of two currency options so that customers can save using foreign currencies because the value is considered more stable.
  3. Savings in foreign currencies are easier to use in other countries that recognize the US dollar as a global payment.
  4. The system is online with the Ministry of Religion's Siskohat so that customers can be registered immediately when their savings reach the minimum limit of registration requirements.
  5. There are no administrative fees at all.
  6. Get accident insurance benefits as protection at home and abroad.
  7. Customers get a proportional profit share.
  8. It does not contain usury, which has been questioned by some people who are reluctant to save in conventional banks.
  9. Can be used for Umrah savings.

BNI Haji Savings Requirements

Below are the requirements that must be completed when you want to open a Hajj savings account. That is:
  1. KTP/Passport.
  2. The minimum initial deposit is IDR 500 thousand.
  3. The next deposit is at least IDR 5 thousand.
  4. Opening must be done at BNI or BNI Syariah branches according to the customer's domicile in the same province.

Features of BNI Haji Savings

After completing the opening, here are the facilities that you can get and feel.
  1. Indonesian Hajj and Umrah cards.
  2. Passbook.
  3. There is an auto-debit feature available from regular savings accounts.
  4. It has been connected online with Siskohat.
  5. Provides a choice of Rupiah and US Dollar currencies.

BNI Taplus Member Savings

There is also a type of BNI savings for employees or what is called Taplus Members (Tappa). Tappa is a savings account intended for employees or members in a company, institution, association or professional organization that collaborates with BNI. In addition to serving as savings, this card also serves as a member's identity card.

Advantages of BNI Taplus Members

BNI Tappa Savings offers a number of advantages and benefits to every customer, such as: 1. Employee Taplus or also known as Member Taplus provides Employee Card/Member Card facilities for a company, institution, association, and organization that can be used as an Identity Card. 2. By having an Employee/Member Card as an identity card, it can foster a sense of belonging or pride in each individual towards your institution or company. 3. Employee/Member Cards can be used for various needs and can transact at thousands of BNI ATMs, joint ATMs and Link networks. Where customers can get a number of facilities such as BNI Internet banking, BNI Phone Banking and BNI SMS banking.

BNI Taplus Member Requirements

Here are a number of requirements to open BNI Tappa savings, so you need to prepare requirements such as: 1. BNI Tappa savings is given to employees/members of Companies, Institutions, Associations, Organizations that collaborate with BNI. Of course, it has been seated in the Cooperation Agreement (PKS) between BNI and the Company, Institution, Association, and Organization. 2. Companies/Institutions/Associations/Professional Organizations that can cooperate in BNI Tappa's ownership, in accordance with the terms & conditions applicable at BNI.

Features of BNI Taplus Members

The following are interesting features that this type of savings has, namely attractive and safe interest rates. The interest rate per year is different for each balance owned. The following are the interest rates for this type of BNI savings:
  1. The balance in the BNI Tappa account is more than IDR 1 million, then the interest rate obtained per year is 0.00%
  2. The balance in the BNI Tappa account is between IDR 1 million to IDR 10 million, then the interest rate obtained per year is 0.25%
  3. The balance in the BNI Tappa account is between IDR 10 million to IDR 50 million, then the interest rate obtained per year is 0.50%
  4. The balance in the BNI Tappa account is more than IDR 50 million to IDR 100 million, then the interest rate obtained per year is 0.75%
  5. The balance in the BNI Tappa account is more than IDR 100 million, then the interest rate obtained per year is 1.00%

BNI Student Savings

This type of BNI savings is intended for students from kindergarten, elementary, junior high, high school and other equivalent education. The goal is to instill and cultivate a culture of saving at Bank BNI from an early age. Here are some of the advantages and benefits of opening a BNI Student Savings account.

Advantages of BNI Student Savings

The advantages and benefits of this type of BNI savings for students and students are as follows:
  1. Providing financial education about savings products
  2. Encouraging students to instill a culture of saving
  3. Train financial management from an early age, and independence in managing money

BNI Student Savings Requirements

The conditions for opening a BNI Simpanan Siswa savings account are:
  1. Prepare a Student Card, Birth Certificate and a copy of the Parent's or Guardian's ID Card
  2. Fill out the Simple BNI Account Opening form
  3. The initial deposit is very light, only IDR 5000 with a follow-up deposit of IDR 1000
  4. No administration fee

Features of BNI Student Savings Account

Here are some of the features that can be obtained by participating in the BNI Student Savings program:
  1. Students and students can have savings in their own name
  2. Students will get BNI debit card facilities that can be used for transactions
  3. Will get BNI SMS Banking facilities
  4. And can participate in prize programs or raffles conducted by BNI

BNI TabunganKu

BNI TabunganKu is a savings product for individuals with easy and light requirements. This product called TabunganKu was not only launched by BNI, but also a number of other banking companies in the country. The goal is to foster a saving culture that is expected to boost people's welfare.

Advantages of BNI TabunganKu

There are advantages and advantages obtained in this type of BNI TabunganKu. These advantages are:
  1. Continue to provide a savings book, namely TabunganKu BNI
  2. The minimum balance after withdrawal is IDR 20 thousand, unlike other savings products between IDR 50 – IDR 100 thousand
  3. Minimum withdrawal amount at the teller IDR 100 thousand
  4. Free administration fee
  5. Light initial deposit of IDR 20 thousand only
  6. Cash withdrawal transactions, cash deposits and book transfers can be done through tellers at BNI branch offices
Although the standard given by Bank Indonesia (BI) is that this savings is issued without an ATM, TabunganKu also has optional features or customizations that banks can offer in organizing the TabunganKu program. One of these features is ATM cards and other services with deals at a lower cost. This feature point is the differentiator between TabunganKu BNI and other banks' TabunganKu products. BNI itself offers conventional TabunganKu and Sharia TabunganKu with different rules.

BNI TabunganKu Terms

There is no need for complicated requirements regarding BNI TabunganKu, because this savings is provided to foster a love of saving in the community. The following are the requirements for opening a BNI TabunganKu account.
  1. Original ID card (must be an electronic ID card)
  2. Minimum cash of IDR 20 thousand as an initial deposit.

BNI TabunganKu Features

Here are some of the features offered by BNI TabunganKu:
  1. Initial deposit of IDR 20,000
  2. Get ownership of a book under the name TabunganKu
  3. No monthly administration fee or TabunganKu book replacement fee
  4. We can withdraw through Teller at each BNI branch office a maximum of 2 times per month.

BNI Deposits

BNI deposits are term deposits from BNI with an interest rate greater than the savings interest rate and a storage period of up to 24 months. Find out the latest BNI deposit interest information in this article. As you know, the benchmark interest rate of Bank Indonesia (BI) is a reference for interest rates on deposits and bank loans, including deposits.

Advantages of BNI Deposits

The number of people who invest their money in the form of deposits is none other than the profit of deposits, namely:
  1. Deposit interest rates are greater than ordinary savings or other types of deposits.
  2. It is safe because it is guaranteed by the Deposit Insurance Corporation (LPS).
  3. Low risk, unlike stock investments.
  4. Can be used as a credit guarantee.
  5. Simple terms.

BNI Deposit Requirements

There are conditions that you must meet when you want to open a BNI Time Deposit account. These conditions are:
  1. Prepare your identity in the form of an ID card, driver's license, or passport.
  2. Prepare proof of legality for business entities or legal entities.
  3. Fill out the account opening application form.
  4. Make a deposit to open an account.

Features of BNI Time Deposit

Here are some interesting features that you can enjoy when opening a BNI Time Deposit account:
  1. Provides several currency options, which can be customized to your needs. Such as Rupiah and foreign currencies (USD, JPY, GBP, HKD, EUR).
  2. Interest is available and can be transferred to a savings account, Current Account or add to the principal of the deposit. You can choose automatic renewal (Automatic Roll Over/ARO) or non-automatic (Non ARO) when due.
After knowing all types of BNI savings along with all the advantages and requirements, it is hoped that you will not make the wrong choice in opening a savings account. Make sure to always pay attention to the requirements that exist in your account type. This the discussion from GICTrade regarding the explanation of the type of BNI savings. You can also find out other trivia information about savings, investments, and other finances, such as Stakeholders: Definition, Duties, Roles, and Types only in the GIC Journal. Also make sure you deepen your forex knowledge at GICTrade, via the scalping ebook, and also NFP live trading. And don't forget to download GIC Mobile Apps on the Google Play Store and App Store.