Tabungan Pesirah Junior

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Tabungan Pesirah Junior

Attractive Interest

Competitive and rewarding interest rates

Fee Free

Free admin fees for certain balances

Safe & Guaranteed

Insured by LPS and supervised by OJK

About Tabungan Pesirah Junior

Get to know the product

Tabungan Pesirah Junior is a savings product of Bank Sumsel Babel made specifically for children / adolescents and / or students / students with features that facilitate financial transactions of children / adolescents, parents and / or schools / universities.

Issuer Name

PT Bank Pembangunan Daerah Sumatera Selatan dan Bangka Belitung

Main Features

Account Owner
Individual
Initial Deposit
Minimum IDR 5,000,-
Minimum Balance
Minimum IDR 5,000,-
Debit Card Type
Pesirah Junior ATM Card

Benefits

It is a special savings for children/youth and students/students whose features facilitate the finances of children/youth, parents and or schools/universities.
Small initial deposit and minimum balance.
Easy application requirements.
Passbook in the name of the account holder.
Get an ATM card with attractive design and free monthly fee.
ATM card can also function as a student card or student card (specifically for schools that cooperate with Bank Sumsel Babel).
FREE ATM card fees and e-banking facilities (SMS/Mobile/Internet Banking).

Risks

As a Pesirah Junior Savings Customer, it is important to understand some of the risks that may arise in using this product.

For the convenience and security of transactions, Customers are required to provide information and / or personal data that is true, accurate, and in accordance with actual conditions. In the event of errors or data discrepancies, the customer will be responsible for all risks or consequences arising.
The customer is fully responsible for the confidentiality and security of the account, including PIN, password, and access to digital banking services (e-channel). In the event of misuse by other parties, such as data theft or fraud, the risk is fully borne by the customer. Make sure to always maintain the confidentiality of data and not give it to anyone, including those who claim to be Bank officers.
Deposits at Bank Sumsel Babel with a balance of more than Rp2,000,000,000 (two billion rupiah) or that earn interest rates above the guarantee rate set by the Deposit Insurance Corporation (LPS) are not included in the LPS guarantee program. If something happens to the Bank that causes risk to deposit funds, balances beyond the guaranteed limit will not get protection from LPS.
Pesirah Junior Savings interest rates are subject to change at any time in accordance with Bank policy and market conditions. This change may affect the amount of interest received by the Customer. Therefore, it is advisable to always monitor the latest information regarding interest rates in order to make informed financial decisions.
In certain situations, banking services may be disrupted due to factors beyond the Bank's control, such as system disruptions, power outages, natural disasters, or government policies. The Bank will try to provide the best solution in these conditions, but Customers need to understand that there is a risk of transaction delays or disruptions in certain circumstances.
As Pesirah Junior Savings is intended for children, access and transactions on this account are generally controlled by parents or legal guardians. Customers need to understand that there are restrictions on the use of accounts by children, especially regarding withdrawals and digital transactions.
As a child savings product, there is a risk that the child may not fully understand the concept of saving and financial management. Parents or guardians are responsible for providing financial education so that children can understand the benefits and how to use this savings account wisely.
If the account is inactive within a certain period of time or the balance is below the applicable minimum requirements, the Bank has the right to close the account in accordance with applicable policies. Customers need to ensure that the account remains active by conducting regular transactions.

Requirements and Procedures for Opening an Account

Using rupiah currency.
Especially for individual Indonesian customers aged 0 to 18 years and / or still a student / student at the time of account opening.
Bring identity documents in the form of;
KTP-el/KK in physical and/or digital form belonging to parents/guardians or Passport (if parents/guardians are foreigners) and Child Identity Card (KIA)/KK of the child for account holders who at the time of account opening are 0 to 12 years old; and
Child Identity Card (KIA)/KK/KTP-el of the child for account holders who at the time of account opening are 12 to 18 years old.
Fill out and sign the Pesirah Junior Savings Account Opening Application and Approval Form.
Forms filled out by prospective account holders aged up to 12 (twelve) years must be approved and / or signed by their parents / guardians.
Forms filled out by prospective account holders whose ages are more than 12 to 18 years, then the parents / guardians of prospective account holders are required to fill out a Parent / Guardian Statement which is an integral part of the Pesirah Junior Savings Account Opening Application Form.
Parents / guardians who do not have an account at Bank Sumsel Babel (not customers) are required to fill in the Parent Data which is an integral part of the Pesirah Junior Savings Account Opening Application Form.
Submit an initial deposit

Fees

Monthly administration fee IDR 3,500,-
Minimum balance penalty IDR 1,000,-
Account closing fee IDR 5,000,-
Book change fee IDR 2,500,-
FREE Pesirah Junior ATM card admittance fee
FREE Pesirah Junior ATM card creation fee
Pesirah Junior ATM card replacement fee IDR 15,000,-

Simulation

The results of fund development in Pesirah Junior Savings are indicative. The final value of fund development results can be greater or lesser depending on the interest rate that applies during the saving period. The real value is what is recorded in the Bank's system.
Pesirah Junior savings interest is credited to the customer's account at the beginning of each month, namely the 1st, except in December (credited on December 31). In the simulation example, the total interest for February 2025 will be credited on March 1, 2025 to the customer's account. Pesirah Savings interest is subject to Income Tax (PPh) at a rate according to applicable regulations.

Additional Information

Interest Rate

Interest Rate                                             Tiering
Rp 0 - Rp 1 million                                  0.00 %
> Rp 1 million - Rp 100 million    0.75 %
> Rp 100 million - Rp 1 Billion           1.00 %
> Rp 1 Billion    1.50 %
Card Type & Limit

Pesirah Junior savings owners can utilize Pesirah Junior ATM-Debit cards whose transaction limits can change at any time. To get the latest information about the types and transaction limits of these cards, can be accessed on the website https://www.banksumselbabel.com/id/product/cat/6/fasilitas-layanan/45/atm
As a Pesirah Savings Customer, it is important for you to understand the following information in order to use this product comfortably and safely.

If there are changes related to the benefits, costs, risks, and terms and conditions of Pesirah Savings, the Bank will notify customers at least 30 working days before the changes take effect. This notification will be delivered by mail, website, or other media according to the Bank's policy.
Customers can check their balance and transaction history at any time through Bank Sumsel Babel's digital banking services, such as mobile banking and internet banking.
Customers can access the complete RIPLAY Tabungan Pesirah Junior document through the official website of Bank Sumsel Babel or by visiting the nearest branch office.
Pesirah Junior Savings accounts that have no transactions for 12 consecutive months will be categorized as dormant accounts.
Pesirah Junior Savings accounts with zero balance and no transactions for 3 consecutive months will be automatically closed by the system.
Pesirah Junior savings account closure can be done through the nearest Bank Sumsel Babel branch office by bringing physical and / or digital KTP-el and Pesirah savings book.

Disclaimer (Important to read)

The Bank reserves the right to refuse an application for opening an account or other products if you do not meet the applicable terms and conditions.
Customers are advised to read this Summary of Product and Service Information (RIPLAY) carefully to understand the benefits, costs, risks, and terms and conditions that apply. If there is anything that is unclear, the customer has the right to ask a Bank employee for further explanation before deciding to use this product.

FAQ