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| 8 Types of Mandiri Savings Accounts You Should Know About. |
Bank Mandiri is one of the largest banks in Indonesia, known for its excellent customer service. With so many people eager to open accounts at this bank, it's no wonder many are curious about the different types of Mandiri savings accounts available.
Just like other banks, Mandiri offers a variety of savings account options, each with its own benefits and requirements. These differences usually come down to the initial deposit amount and the administrative fees.
Curious to learn more about the types of Mandiri savings accounts, along with the fees and deposit amounts? You’re in the right place! Here’s a breakdown of Mandiri savings accounts that you need to know.
Let's dive into the details!
1. SiMakmur Savings Account
The first type of savings account is SiMakmur. This account offers you interest based on the current terms, even if your balance is as low as IDR 1.
What makes SiMakmur unique is that you don’t need to visit a branch to manage your account. Instead, you can handle everything through Mandiri’s branchless banking agents, known as Mandiri Agen.
The account is designed to promote financial inclusion, as there are no minimum or maximum balance requirements for opening or maintaining the account.
2. Simpanan Pelajar (Simpel) Savings Account
As the name suggests, the Simpanan Pelajar account is aimed at students. It’s perfect for young savers, with an initial deposit requirement of just IDR 5,000.
For subsequent deposits, students only need to deposit at least IDR 1,000, and they must maintain a balance of at least IDR 5,000. Best of all, there are no monthly administrative fees!
To open this account, students will need a student ID, family card, a parent or guardian's ID, and a consent letter from the parents.
3. TKI Savings Account
Bank Mandiri also offers a savings account specifically for Indonesian migrant workers, known as the TKI Savings Account. For the first year, there are no monthly administrative fees, making it ideal for workers who want to save while working abroad.
The account also offers simple terms, easy transactions, and a loyalty reward program where points can be redeemed for gadgets, shopping vouchers, or free products. You can open this account with an initial deposit of just IDR 10,000.
After the first year, a monthly fee of IDR 2,500 applies.
4. Payroll Savings Account
The Payroll Savings Account is aimed at salaried employees. It comes with some great benefits, including free insurance, a welcome gift, and loyalty rewards.
To open this account, all you need is an initial deposit of IDR 10,000. The minimum balance requirement is also IDR 10,000, with monthly administrative fees ranging from IDR 0 to IDR 12,500.
5. Now Savings Account
For those who prefer a more convenient option, the Now Savings Account can be opened through Mandiri’s mobile app, Livin’ by Mandiri. This account is perfect for people who don’t have time to visit a branch.
Plus, customers can earn loyalty rewards that can be exchanged for shopping vouchers, free products, or the latest gadgets. To open a Now Savings Account, you'll need an initial deposit of IDR 100,000, with a monthly administrative fee of IDR 12,500.
6. Mitra Usaha Savings Account
The Mitra Usaha Savings Account (TabunganMU) is designed for small business owners looking to maximize their business potential with easy and convenient services.
Targeted at traders and entrepreneurs, the administrative fee for this account is IDR 5,000 per month, with an initial deposit of just IDR 50,000.
7. TabunganKu
Mandiri introduced TabunganKu to encourage more people to save their money in the bank. Opening this account is simple and provides more benefits than keeping cash at home.
With no monthly administrative fees, an initial deposit of only IDR 10,000, and a minimum balance of IDR 20,000, this is a great option for those new to banking.
8. Rupiah Savings Account
The last type of Mandiri savings account is the Rupiah Savings Account. This account requires the highest initial deposit of IDR 500,000 but offers benefits such as a VISA debit card and the opportunity to collect reward points.
Opening a savings account at Bank Mandiri provides plenty of options to suit different needs, whether you’re a student, worker, business owner, or simply someone looking for a convenient banking experience. So, which one is the right fit for you?
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