TabunganKu is saving products aimed at improving financial inclusion and encouraging a saving culture among the community. TabunganKu has several advantages as folllows:

1. Having a saving book.
2. Free monthly administration fee.
3. A tiered (multirate) interest rate structure calculated using the sliding method based on the daily account balance, whereby higher account balances earn higher interest.
4. Auto Debit Biller and Bank Mestika Virtual Account facilities are available.

Term and Conditions

1. Customer shall complete an Account Opening Form and Personal Data Form.
2. Customer shall present the original valid identification documents, as follows:
• For Indonesian citizens (WNI), an E-KTP.
• For Foreign nationals (WNA), a KTP/KITAP/KITAS and a Valid Passport.
3. Depositor under guardianship (under age), must open joint account (QQ) with parents for students who do not have ID proof, by attaching a student's birth certificate, family card, and proof of parents' identity.
4. Account opening can only be done before the bank customer service officer.
5. Customer shall have a minimum initial deposit of Rp20.000,-
6. The next cash deposit minimum is Rp10.000,-
7. Customer shall have a minimum balance of Rp.20.000,-
8. The minimum amount of withdrawal through teller is Rp.100,000, - except when the customer wants to close the account.
9. Withdrawal transaction can only be done in the branch of opening account.
10. Transactions which are not printed onto the savings book for 3 (three) consecutive months shall be cumulated into 1 (one) debit/credit transaction.
11. If Customer passes away, the release of the savings by the heir shall conform to the prevailing laws.

Overview of Product and Service (General) TabunganKu Download Here

Product Risk

1. In case of the loss of the savings book:
• Customer shall close the account at the bank where the opening has been done;
• Customer shall sign a loss declaration with sufficient stamps;
• Customer shall open a new savings account if necessary.
2. An account with a zero balance for 30 consecutive calendar days will be automatically closed by the Bank Mestika system.
3. The bank has the rights to block a bank account anytime based on its discreation considering any inappropriate use of the account.
4. The account balance shall be deducted if the interest is unable to cover the administration fee.
5. The status of the Savings Account shall only apply as an active account as referred to in POJK Number 24 of 2025 concerning Account Management at Commercial Banks.

Any changes in the terms and conditions and/or costs associated with the product shall be informed by the bank via electronic media and/or announcement and/or registered mail and/or courier ( expedition ) and/or directly via telephone. Notice sent via registered mail or courier ( expedition ) is considered to have been received by the client 7 ( seven ) days after dispatch.

Fees

1. Free monthly administration fee.
2. Free book / statement sheet replacement fee when it is lost / damaged.
3. OD Safe Guard/ Sweep fee : Rp1.000,- per day.
4. Account closure fee is Rp20.000,-
5. Cumulative transaction printing costs Rp5.000, - per page.

For more information call us MestikaCall 14083 or visit our nearest branch.