Usia 17 Tahun, Warga RI Bakal Otomatis Punya Rekening Bank

Rabu, 9 September 2026, 07:03 WIB Sumber: Republika Dibaca 1 kali

Ukuran:

Pemerintah menyiapkan kebijakan agar setiap WNI usia 17 tahun otomatis memiliki rekening bank berbasis NIK melalui BRI dan BSI sebagai bank Himbara ritel, dengan menyetor dana awal Rp 50 ribu tanpa potongan biaya administrasi. Kebijakan ini bertujuan meningkatkan inklusi keuangan nasional (saat ini 93,91 persen) dan menjadi kanal penyaluran program pemerintah termasuk bansos.

Poin-Poin Utama

Indonesian citizens turning 17 will automatically receive a bank account linked to their population data.
President instructed that every 17-year-old citizen have an account automatically issued together with their KTP.
Accounts will be prepared based on the NIK recorded in Dukcapil.
Government appointed BRI and BSI to manage the accounts as Himbara retail banks.
Government is coordinating with Bank Indonesia, OJK, Ministry of Home Affairs, and Ministry of Finance.
Target: approximately 200 million residents to obtain accounts under the policy.
Accounts will be used for public transactions and distribution of government programs, including social assistance (bansos).
Future bansos distribution will be channeled through these accounts.
Government will provide an initial deposit of Rp 50,000 into each account.
Rp 50,000 initial deposit must not be deducted by bank administrative fees.
Policy aims to expand national financial inclusion.
National financial inclusion rate currently stands at 93.91%.
Sharia financial inclusion rate currently stands at 13.14%.
Statement delivered by Coordinating Minister for Economic Affairs Airlangga Hartarto at Graha Sawala, Jakarta on Tuesday, 8/9/2026.