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Negara / 🇮🇩 Indonesia / 12-month

Best 12-month deposito berjangka rates in Indonesia

Best 12-month rate per provider for a Rp10,000,000 deposit, open to any customer, read from each bank's website. Last checked 18 Oct 2026, 05:37 UTC.

3-month6-month All tenures and amounts

BankRate p.a.TenureDepositDetailsLink
Bank Neo CommerceDeposito WOW7.25%≈ Rp725,000 in 12 months12 monthsRp100,000 +Board rate
Minimum Rp100.000; Above the LPS guarantee rate (3.75%), so not LPS-insured
Go to bank
SeaBank IndonesiaDeposito6.00%≈ Rp600,000 in 12 months12 monthsNot statedBoard rate
Rate locked at opening; Above the LPS guarantee rate (3.75%), so not LPS-insured
Go to bank
Bank JagoDeposito5.50%≈ Rp550,000 in 12 months12 monthsRp1,000,000 – Rp99,999,999Board rate
Via App; Lowest amount tier; higher tiers pay more; Above the LPS guarantee rate (3.75%), so not LPS-insured
Go to bank
CIMB NiagaDeposito Konvensional Rupiah4.25%≈ Rp425,000 in 12 months12 monthsRp8,000,000 – Rp99,999,999Board rate
Via OCTO app; Rate when opened in the OCTO app; branch rates are lower; Minimum Rp 8 Juta; Higher amount tiers pay more
Go to bank
Bank DanamonDeposito Berjangka2.50%≈ Rp250,000 in 12 months12 monthsRp8,000,000 +Board rate
Regular (branch) time deposit, one rate for all amounts from Rp8 million
Go to bank
Bank MandiriDeposito Rupiah2.50%≈ Rp250,000 in 12 months12 monthsup to Rp99,999,999Board rate
Interest paid monthly or at maturity; Same rates are shown for every amount tier up to ≥ Rp 5 M
Go to bank

Different amount, priority tiers or fresh-funds filter? Open the full comparison.

Deposit protection: LPS

LimitRp2,000,000,000

LPS guarantees deposits up to Rp2 billion per depositor per bank (since 13 October 2008). A deposit is only covered if it meets the '3T' test: recorded in the bank's books, its interest rate does not exceed the LPS guarantee rate (Tingkat Bunga Penjaminan; 3.75% for rupiah deposits at commercial banks for 1 Oct 2026 to 31 Jan 2027), and the depositor did not cause the bank's failure. Deposits paying above the LPS rate are NOT insured. Source, checked 2026-10-18.

We're a comparison service, not a bank: we don't take deposits. Rates change without notice; verify with the bank before you deposit. Not financial advice.