Universal Deposit is a fixed-term deposit or savings option for those who want to save their funds comfortably. As a BPR bank deposit, this product is ideal for customers seeking a secure deposit with competitive interest rates.

Key Features

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Profitable

Earn up to 6.00% p.a. on your deposits at Universal BPR and enjoy the high returns.

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Secure and Reliable

Universal BPR offers professionally managed BPR deposits, licensed and supervised by the Financial Services Authority (OJK) and Bank Indonesia, and insured by the Deposit Insurance Corporation (LPS), making it safer and more reassuring to open a deposit at BPR.

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Quick and Easy Process

With easy requirements and efficient transaction services from our Funding Officers, your investment process becomes even simpler.

Features

  1. Can be opened in the name of 2 individuals (joint account).
  2. Available in tenors of 1, 3, 6, 9, and 12 months.
  3. Freedom to automatically extend the deposit (Automatic Roll Over/ARO).
  4. Interest is calculated based on the number of placement days (1 year calculated as 365 days)
  5. Interest can be reinvested into the deposit principal or transferred to a Universal Savings account, withdrawable at any time and earning high interest.
  6. Can be used as collateral for credit.

Terms and Contitions

  1. Valid identification :

    • Individuals: ID Card (Indonesian Citizens), KITAS/Passport (Foreign Nationals)

    • Business Entities: SIUP, NIB, NPWP

  2. Fill out and sign the deposit placement application form.
  3. Fill out and sign the Universal Savings account opening form with an initial deposit of Rp100,000,-
  4. Initial placement of a minimum of Rp5,000,000,-

    Read the Terms and Conditions