The Advantage of using Prama

  • Obtain a souvenir when opening an account
  • The Interest rates on par with lowest deposits
  • Limit large transactions
  • Cash gifts with a total prize of IDR1 Billion
  • Free monthly administration fee
  • Free from transactions charge throughout the ATM & EDC with ATM Bersama and Prima logo *) in accordance with applicable regulations

Regulations for Prama

  • Intended for individual customers
  • Available only in IDR currency
  • A minimum initial deposit of IDR2.500.000
  • The next deposit minimumIDR100.000
  • Maximum transaction using a Prama ATM card in the Prama ATM machine is 5 times/day /transaction, then the next transactions will be charged in accordance with applicable regulations

Requirements for Prama


  • Fill out and sign the account opening form
  • Copy of valid KTP/SIM/Passport/KITAS
  • Submit NPWP (if have any)
  • Not included in the BI’s black list

Prama Interest Rate

Balance Nominal
Interest Rate
< IDR. 2.500.000 Million
0,00% per annual
IDR. 2.500.000 Million up to < IDR. 250.000.000
1,50% per annual
IDR. 250.000.000 Million up to < IDR. 500.000.000 Million
1,75% per annual
> IDR. 500.000.000 Million
2,00% per annual

Prama Limitations


  • Cash withdrawal IDR10.000.000/day
  • Transfer to other Bankaltimtara accounts IDR50.000.000/day
  • Transfer between Bank minimum of IDR50.000 and a maximum of IDR25.000.000/day


  • Debit Prima IDR15.000.000/day

Prama Cost

With ATM
Without ATM
Administration FeeFreeFree
Account Closure Fee
IDR.50.000 /account
IDR.50.000 /account
Balance Under Minimum Fines
IDR.10.000 /transactions
IDR.10.000 /transactions

Replacement of lost ATM card / Damaged due to customer error Fee
IDR.20.000 /card
IDR.20.000 /card