Why Does Deposito Lestari Offer Higher Interest Rates?

A time deposit is a fixed-term savings product that generally offers higher interest rates compared to regular savings accounts. Unlike standard savings, funds placed in a time deposit are held for a specific period, allowing customers to earn more optimal returns in the form of interest.

Deposito Lestari offer higher interest rates, as the maximum deposit insurance rate set by the Indonesia Deposit Insurance Corporation (LPS) for rural banks (BPR) is higher than that of commercial banks. In addition, deposit interest rates tend to be more stable compared to other high-yield investment instruments.

Therefore, time deposits are a suitable option for individuals seeking to place their funds over a defined period while maximizing returns with a lower level of risk.

For more information regarding LPS deposit insurance, please refer to this page

Why Choose Deposito Lestari?

In addition to offering higher interest rates, Deposito Lestari provide greater flexibility by allowing customers to place their funds without being tied to overly long tenors.

Deposito Lestari also feature a no-penalty early withdrawal option, enabling customers to access their funds at any time in case of urgent financial needs. This makes fund management more flexible while still delivering optimal returns.

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Deposito Lestari Are Suitable For:

• Individuals who are just starting their investment journey

• Retirees seeking to optimize their retirement funds with minimal risk

• Expatriates living in Indonesia, including those planning to spend their retirement in the country

• Business owners with medium-term cash flow cycles who wish to maximize returns on their idle funds

Deposito Lestari:

• Starting from IDR 8,000,000

• Tenor options: 1 month, 3 months, 6 months, and 12 months

• Early withdrawal available at any time with no penalty

• No administrative fees

Terms & Conditions:

Individual Customers:

• Valid identification: ID card (Indonesian citizens) or KITAS/Passport (foreign nationals)

Non-Individual Customers:

• Business documents: SIUP, TDP, NPWP

• Required to open a Jumbo Savings Account

• Completion of account opening form

Notes:

• Maximum interest rates are subject to the prevailing LPS regulations

• LPS guarantee applies to deposits up to IDR 2 billion per customer, provided the interest rate does not exceed the LPS maximum insured rate