Warga Indonesia Usia 17 Tahun Bakal Otomatis Punya Rekening Bank dan Saldo Rp50.000

Poin-Poin Utama

• • Indonesian citizens turning 17 will automatically receive a bank account with an initial balance of Rp50,000.
• • The policy aims to expand financial inclusion and follows a directive from President Prabowo Subianto.
• • The program was announced by Coordinating Minister for Economic Affairs Airlangga Hartarto on Wednesday (9/9/2026).
• • The accounts will feature a QR payment system with zero fees for merchants.
• • Accounts will serve as a channel for transparent and targeted cash social aid distribution.
• • UMKM participants will access digital transactions without administrative fee deductions.
• • The government targets up to 200 million Indonesians gaining access to formal bank accounts.
• • Account creation will integrate with KTP issuance based on the NIK from the Civil Registration Directorate.
• • Account and KTP issuance will occur automatically when citizens reach age 17.
• • PT Bank Rakyat Indonesia (Persero) Tbk (BRI) and PT Bank Syariah Indonesia Tbk (BSI) are appointed to support the program.
• • The Rp50,000 initial balance will be protected from administrative fee deductions through dedicated regulation.
• • Ferry is tasked with drafting the regulation requiring BI and OJK to prevent balance deductions.
• • Technical mechanisms, including whether registration steps are required beyond KTP issuance, are still being finalized.
• • The policy is expected to strengthen the digital transaction base and economic financing ecosystem.