Dear J Trust Bank Customers,
In accordance with the Financial Services Authority of the Republic of Indonesia Regulation (POJK) No. 24 of 2025 concerning Account Management at Commercial Banks, there are updates to the provisions governing the management of savings and current accounts which will be effective on 8 May 2026, as detailed below:
- Classification of Savings and Current Accounts
- Active Account is an account that records activity such as deposits, withdrawals, or balance inquiries.
- Inactive Account is an account with no deposit, withdrawal, or balance inquiry activity for more than 360 days (12 months).
- Dormant Account is an account with no deposit, withdrawal, or balance inquiry activity for more than 1,800 days. An account will be classified as dormant starting from day 1,801.
The banking services available for each account category are as follows:
|
Banking Services |
Active Account |
Innactive Account |
Dormant Account |
|
|
Incoming Transaction (Credit) |
Cash Deposit |
Yes |
Yes |
No |
|
Internal Transfer (Book Transfer) |
Yes |
Yes |
No |
|
|
Transfer from Another Bank |
Yes |
Yes |
No |
|
|
Outgoing Transaction (Debit) |
Cash Withdrawal |
Yes |
No |
No |
|
Internal Transfer (Book Transfer) |
Yes |
No |
No |
|
|
Transfer to Another Bank |
Yes |
No |
No |
|
|
QRIS Payment |
Yes |
No |
No |
|
|
Balance Inquiry |
Yes |
Yes |
Yes |
|
Transactions generated by the Bank’s system are not categorized as account activities, including: auto-debit, deduction of fees and taxes, administrative fee charges, and interest crediting.
- Adjustment to Dormant Account Classification for Savings and Current Accounts
|
Product |
Time Period Before Being Classified as Dormant |
Dormant Account Fee (per month)* |
||
|
Before Adjustment |
After Adjustment |
Before Adjustment |
After Adjustment |
|
|
TORA Savings |
8 months |
1.800 days (5 Years) |
Rp25.000 |
No Change |
|
J Trust Savings |
8 months |
1.800 days (5 Years) |
Rp25.000 |
No Change |
|
J Trust One Savings |
8 months |
1.800 days (5 Years) |
Rp25.000 |
No Change |
|
Blue Ocean Savings |
8 months |
1.800 days (5 Years) |
Rp25.000 |
No Change |
|
Green Savings |
8 months |
1.800 days (5 Years) |
Rp25.000 |
No Change |
|
Smart Program Savings |
8 months |
1.800 days (5 Years) |
Rp0 |
No Change |
|
J Trust Foreign Currency Savings |
8 months |
1.800 days (5 Years) |
Rp0 |
No Change |
|
TORA USD Savings |
8 months |
1.800 days (5 Years) |
Rp0 |
No Change |
|
J Trust Current Account |
8 months |
1.800 days (5 Years) |
Rp25.000 |
No Change |
|
J Trust Foreign Currency Current Account |
8 months |
1.800 days (5 Years) |
Rp25.000 |
No Change |
*) Dormant account fees are charged monthly while the account remains dormant, in accordance with the applicable product terms. No fees apply to accounts classified as inactive.
- Exceptions for Savings and Current Accounts (Always Classified as Active)
|
Product |
Time Period Before Being Classified as Dormant |
Dormant Account Fee (per month) |
|||
|
Before Adjustment |
After Adjustment |
Before Adjustment |
After Adjustment |
||
|
TabunganKu |
8 months |
Remains Active |
Rp2.000 |
Free of Charge |
|
|
J Trust Saving Plan |
8 months |
Remains Active |
Free of Charge |
||
|
J Trust Current Account and Savings Account for Export Proceeds Account |
8 months |
Remains Active |
Rp25.000 |
||
|
Escrow Current Account |
8 months |
Remains Active |
Rp5.000 |
||
- Automatic Closure of Savings and Current Accounts
- Savings and current accounts with zero balance for up to 6 (six) months will be automatically closed;
- This provision does not apply to accounts listed under point 3 (Exceptions).
- In the event that your account is classified as an Inactive Account, the reactivation process may be conducted through J Mobile, J Net, J Net Business, or by visiting the nearest J Trust Bank branch. However, if your account is classified as a Dormant Account, reactivation may only be carried out by visiting the nearest J Trust Bank branch, where the Customer’s data updating process will also be performed.
For further information, please visit the nearest J Trust Bank Branch, contact J Trust Call 1500 615 (Domestic) or +62 21 29261000 (International), or email our Customer Care at customercare@jtrustbank.co.id.
Thank you for your continued trust in PT Bank J Trust Indonesia Tbk as your banking partner in supporting your financial transactions.
