Open an Account Without Queuing, From Your Phone

Opening a savings account no longer requires visiting a branch. Indonesia's major banks — BRI, BCA, BNI, and Bank Mandiri — offer fully online account opening through their official apps.

The process can be completed in 10–15 minutes. Once the account is active, customers can immediately fund it and use all mobile banking features such as transfers, bill payments, and e-wallet top-ups.

General Requirements to Prepare

The requirements are broadly similar across banks. Prepare an original e-KTP (national electronic ID card) that is legible and undamaged, a smartphone with a good camera for document photos and face verification, an active mobile number with credit to receive OTP codes, and an email address for transaction receipts and important information.

Also make sure the internet connection is stable so data uploads are not interrupted midway. Some savings products require an initial deposit, so prepare funds plus another bank account or e-wallet as the transfer source.

2026 Initial-Deposit Comparison Across 4 Major Banks

For the lowest cost, BCA BlueSaving via myBCA offers IDR 0 initial deposit and IDR 0 admin fee — but it is a digital account with no physical debit card. BCA also offers Tahapan Xpresi with an IDR 50 thousand initial deposit.

Bank Mandiri offers Mandiri Tabungan Now through Livin’ by Mandiri with an initial deposit of only IDR 100 thousand — much lighter than branch opening, which requires IDR 500 thousand — and the tax ID (NPWP) is optional. BRI through BRImo offers Simpedes starting at IDR 100 thousand, while BNI through wondr by BNI offers Taplus starting at IDR 50 thousand. Choose the product that fits your needs: physical card, admin fees, and desired features.

Registration Flow and Security Tips

The flow is similar in every app: download the official app from the Play Store or App Store, choose “Buka Rekening” (Open Account), pick a savings product, fill in personal data carefully, photograph the e-KTP within the on-screen frame, then follow the face-verification instructions.

Then verify the mobile number and email with OTP codes, create a password and transaction PIN, make the initial deposit to the given virtual account number, and the account becomes active. In BRImo, for example, new customers also select a managing branch and create a digital signature.

One thing to always remember: never share your PIN, OTP, or password with anyone, including callers claiming to be from the bank. Download apps only from official app stores and make sure any site or link you open genuinely belongs to the bank.