Universal BPR Prize Savings Program: save with prizes while growing your balance and having the chance to win rewards worth up to hundreds of millions of Rupiah!

Benefits Universal Plus Savings

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Win Prizes Worth Up to Hundreds of Millions of Rupiah

Enjoy savings prizes worth up to hundreds of millions of Rupiah through this program. For customers who want to save and win, Universal Plus offers the chance to win a total of 100 prizes, including cars, motorcycles, Smart TVs, cashback, and iPhones.

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Competitive Interest Rates

Earn savings interest rates of up to 4.25% p.a., helping your savings grow faster.

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Transactions Anytime, Anywhere

Enjoy the convenience of transactions through Universal Mobile with various features, such as free transfers, real-time balance access, and free e-wallet top-ups.

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Secure and Rewarding Savings

Your deposited funds are safe and insured by the Deposit Insurance Corporation (LPS), while still providing optimal interest earnings. This program is ideal for customers who want to enjoy prize-linked savings while keeping their funds secure and profitable.

Features

  1. Initial deposit for account opening starts from Rp100,000, with subsequent deposits starting from Rp10,000.
  2. Minimum savings balance: Rp50,000.
  3. No stamp duty fee.
  4. No monthly admin fee if the balance is > Rp10,000,000. If the balance is ≤ Rp10,000,000, a monthly admin fee of Rp7,500 applies.
  5. Interest is calculated based on the Average Daily Balance (ADB).
  6. Attractive interest rates based on balance tiers
  7. esigned as an instant-prize savings account for customers who want to save with added benefits.

Terms and Conditions Universal Plus Savings

  1. Bring a valid identification document, such as:

    • Individual: ID Card (KTP) for Indonesian citizens, or KITAS/Passport for foreign nationals

    • Business Entity: SIUP, NIB, NPWP

  2. Individual customers and business entity customers (PT, CV, Foundation) are eligible to participate in this program.
  3. Internal customers, including employees, directors, commissioners, and shareholders, are not eligible to participate in this program.
  4. Have an active Universal Savings Account (not dormant account).
  5. Download and activate the Universal Mobile app.
  6. Have a “Current” collectibility status (Kol 1), specifically for customers with credit facilities (debtors).

    Read the T&C