Chat With Us
Chat With Us
en-USid-ID
X

BNI Tapenas


  • Info
  • Tariff

Plan your family finance early on with BNI Tapenas (Tabungan Perencanaan Masa Depan). It is a time savings to help your financial planning to realize the future puIDRoses securely and safely.

Benefits

  • Certainty of funds for your future puIDRoses.
  • Improve discipline to save.
  • Get a premiums free insurance benefits.
  • Investments facilities with a higher interest rate than regular Savings.

Advantages

  • Flexible choice of insurance claims payment that is monthly deposits up to the maturity or accumulated monthly deposits paid in lump sum.
  • Available in IDR and USD currency.
  • Affiliate account must be in the same currency.
  • Free to determine the tenor from 1 year up to 18 years.
  • Free to determine the monthly deposit from IDR 100,000.- up to IDR 5,000,000.- (a multiple of IDR 50,000.-) or USD 20 up to USD 500 (a multiple of USD 10).
  • Free to add funds in addition to the monthly deposit (additional deposit) by directly deposit to the BNI Tapenas account.
  • A customer may open more than one BNI Tapenas account for more than one prospective beneficiary.
  • There is a choice of rider insurance (without medical examination) with a greater insurance benefits consisting of life insurance and health insurance.
  • Insurance benefits will still be provided to the Customer even if the customer has a similar insurance coverage with other insurers (double claims).
  • The insurance benefits up to IDR 1.5 Billion (BNI Tapenas IDR) or USD 150,000 (BNI Tapenas USD) per Customer's account with a maximum insurance benefits of IDR 6 Billion (BNI Tapenas IDR) or USD 600,000 (BNI Tapenas USD) per Customer.
  • Flexible choice of insurance claims payment that is monthly deposits up to the maturity or accumulated monthly deposits paid in lump sum.
  • An addition to tenor and monthly deposits may be made.

Requirements

  • Indonesian citizens (WNI)
  • Minimum age is 17 years or 65 years when tenor expires.
  • Having identity card (Resident’s Identity Card/ Driving License/Passport)
  • Having an affiliate account :
    1. Affiliate accounts of BNI Tapenas IDR are BNI Taplus, BNI Taplus Bisnis for Individuals, BNI Giro for Individuals;
    2. Affiliate accounts for BNI Tapenas USD are BNI Dollar or BNI Giro USD for Individuals.
  • Completing the BNI Tapenas application form.

Funds Deposit

  • Monthly deposits is made by debiting the affiliate account automatically on the 5th day of every month, so the Customers do not need to visit the BNI Branch Office every month to deposit into the BNI Tapenas account.
  • Deposits outside the monthly deposit (additional deposit) may be made throughout the BNI Branch Offices, BNI ATM service, BNI SMS Banking and BNI Internet Banking facilities.

Funds Withdrawal

  • Withdrawals shall only be made against the nominal of additional deposit only. The monthly fixed deposit funds along with the interest thereof cannot be withdrawn until the Tapenas tenor expires.
  • Withdrawal of additional deposits may only be made over all or a part of the total additional deposits.
  • Withdrawals shall only be made against the nominal of additional deposit only, under the following provisions :
    1. The frequency of additional deposit withdrawal shall be a maximum of once (1) a year. The calculation of a year shall be based on the turn of the calendar year.
    2. The maximum nominal of the withdrawal shall be 30% of the total additional deposits.
  • The monthly fixed deposits funds along with the interest thereof cannot be withdrawn until the Tapenas tenor expires.
  • At the maturity, the accumulated funds and the interest thereof will be automatically transferred into the Customer’s affiliate accounts (Taplus, Taplus Bisnis, Current Account for Individuals), so that the Customers do not need to visit the BNI Branch Office at the maturity.
Administration Fee IDR 18,000.- or USD 3 per account/year (charged at the end of the year)
Effective as of February 15, 2015
Auto-debit Failure Charge IDR 0,-
Account closing charge at the maturity IDR 0,-
Account closing charges prior to the maturity (PSJT) 1% of the final balance, minimum of IDR 100,000.- or USD 10
Taxes 20% of the interest earned

BNI Tapenas Interest Rate

Balance Interest Rate (%) p.a.
IDR USD
❯ IDR. 0 4.00% 0.50%
Tapenas Promo 1.00% -