Countries / 🇮🇩 Indonesia
Best deposito berjangka rates in Indonesia
IDR deposito berjangka rates from 6 providers, read directly from each bank's website every day, plus 0 more providers to check. Sorted by rate; no paid rankings.
Last checked 18 Oct 2026, 03:42 UTC · all 6 providers
Best 3-month rate
6.75% p.a.
Bank Neo Commerce
Promo · min Rp100,000
Best 6-month rate
7.25% p.a.
Bank Neo Commerce
Promo · min Rp100,000
Best 12-month rate
7.25% p.a.
Bank Neo Commerce
Board rate · min Rp100,000
Best rate for a Rp10,000,000 deposit, open to any customer. Promotions can end early; confirm with the bank.
Compare deposito berjangka rates
1 banks with a 12-month rate for Rp10,000,000
| Bank | Rate p.a. | Tenure | Deposit | Details | Link |
|---|---|---|---|---|---|
| Bank Neo CommerceDeposito WOW | 7.25%≈ Rp725,000 in 12 months | 12 months | Rp100,000 + | Board rate | Go to bank |
"Fresh funds" means money brought in from another bank. Board rates are standing rates; promos are time-limited. How we collect and check rates.
How is this list ordered?
By rate, highest first, for the amount and term you chose. Where a bank publishes its own blended effective rate we use that. Each bank appears once with its best matching offer unless you tick "Show every rate". Banks cannot pay to change the order.
Plan your deposit
Best rate by term
Best rate open to any customer for Rp10,000,000 at each term, from today's verified offers. Hover a point for the bank.
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Official benchmarks
Source: bi.go.id. Shown as a reference point, not a recommendation.
Deposit protection: LPS
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.
Questions about deposits in Indonesia
What is the best 12-month deposito berjangka rate in Indonesia today?
7.25% p.a. at Bank Neo Commerce (minimum deposit: Rp100,000), read from the bank's website at 18 Oct 2026, 03:42 UTC. Promotions change often, so confirm with the bank before you deposit.
What is the best 6-month deposito berjangka rate in Indonesia today?
7.25% p.a. at Bank Neo Commerce (minimum deposit: Rp100,000), read from the bank's website at 18 Oct 2026, 03:42 UTC. Promotions change often, so confirm with the bank before you deposit.
Are deposito berjangkas in Indonesia protected?
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.
How many banks do you compare in Indonesia?
We list 6 providers. Rates for 6 of them are read automatically from their own websites every day; for the rest we link to the bank's official rate page and never show a number we have not read.
How do deposito berjangka rates compare with the BI-Rate?
The BI-Rate is 5.75% (23 September 2026). The best 12-month deposito berjangka rate open to any customer today is 7.25%.
Deposit rates in nearby countries
🇮🇳 India🇨🇳 China🇵🇰 Pakistan🇧🇩 Bangladesh🇯🇵 Japan🇵🇭 Philippines🇻🇳 Vietnam🇹🇭 Thailand
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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.