Do you have a bank account that you haven’t used for a long time? You may have wondered whether the account can still be used, whether the balance is still there, or what you should do if the account is no longer active. 

An account that has not been used for a long time may be classified as dormant. Understanding your account status is therefore important, especially if you still have funds in the account or may want to use it again in the future. 

So, can a dormant account be reactivated? And does the balance disappear from a dormant account? Let’s take a closer look. 

What Is a Dormant Bank Account? 

Simply put, a dormant bank account is an account that has not shown any activity from the customer for an extended period. 

According to the Financial Services Authority (OJK) through OJK Regulation No. 24 of 2025 on Account Management at Commercial Banks, an account with no deposit, withdrawal, or balance inquiry activity for more than 360 calendar days may be categorized as an inactive account. If there is no such activity for more than 1,800 calendar days, the account may be categorized as dormant. 

Activities performed by the bank’s system, such as charging administration fees or crediting interest, are not considered customer activity when determining the account status. 

Therefore, dormant status is related to how long an account has not been used by the customer. If you have an old account that you rarely use, it is important to check its status periodically. 

What Happens If a Dormant Account Is Not Used? 

The question of what happens if a dormant account is not used often arises when someone discovers an old account that has not been used for years. 

The longer an account remains unused, its status may change from active to inactive and then dormant. 

Once an account becomes dormant, its use may be subject to certain restrictions. Therefore, if you have an old account, it is a good idea to check its status first. 

How Long Until a Bank Account Becomes Dormant? 

How long until a bank account becomes dormant? 

In general, an account with no customer activity for more than 360 calendar days may be categorized as inactive. If there is no activity for more than 1,800 calendar days, the account may be categorized as dormant. 

So, if an account has not been used for around five years, it is important to check its status with the bank. 

Does the Balance in a Dormant Account Disappear? 

One of the most common questions is whether the balance in a dormant account disappears. 

Dormant status does not, by itself, mean that the funds in the account disappear. If you still have funds in a dormant account, contact the bank through its official channels to find out the account status and the steps you can take. 

Can a Dormant Bank Account Be Reactivated? 

So, can a dormant bank account be reactivated? 

If you want to use a dormant account again, you can apply for reactivation through the channels provided by the bank. 

The bank will conduct the necessary verification and checks before determining whether the reactivation request can be approved. Therefore, prepare any required information or documents and use the bank’s official channels to obtain information based on your account status. 

Can a Dormant Account Receive Transfers? 

What about whether a dormant account can receive transfers? 

The use of dormant accounts may be subject to certain restrictions based on the bank’s policies. Therefore, if you plan to receive a transfer to an account that has not been used for a long time, it is best to check the account status with the bank through its official channels first. 

This can help you confirm whether the account can still be used for transactions. 

What Can a Dormant Bank Account Be Used For? 

What can a dormant bank account be used for? 

While an account is dormant, it may have restrictions on transaction activity. Therefore, it cannot be used normally for everyday transactions. 

If you want to use it again, you need to follow the reactivation process provided by the bank. Once the account status becomes active again, the account can be used according to the services available. 

Can a Dormant Account Be Reactivated? 

If you are still wondering whether a dormant account can be reactivated, the first step is to confirm the account status with the issuing bank. 

If reactivation is available, the bank will conduct a verification process before making a decision on the request. The process, available channels, and required documents may vary depending on the procedures applied by each bank. 

Therefore, use the bank’s official services to obtain information that is relevant to your specific account. 

Don’t Leave an Old Bank Account Unmonitored 

Accounts that are rarely used still need to be monitored. Checking your account status periodically can help you determine whether the account is still active or has been categorized as inactive. 

If an account has become dormant, don’t immediately assume that the funds have disappeared or that the account can never be used again. Contact the issuing bank to confirm the account status and find out what options are available. 

Understanding how long until a bank account becomes dormant, whether a dormant account can be reactivated, and whether the balance in a dormant account disappears can help you take the right steps when you discover an old account. 

Use an Account for Your Everyday Banking Needs 

If you need an account to store your funds and manage everyday transactions, make sure you keep your account monitored and use it as needed. 

One option you may consider is Tabungan NOW on the neobank app from Bank Neo Commerce, which can be used for everyday banking needs. You can also enjoy competitive interest rates* and interest paid daily. 

Checking your balance regularly is one form of customer activity considered when classifying bank accounts. 

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Product features, fees, and terms may change according to the policies of each service provider. 

*Please note the deposit guarantee interest rate set by the Deposit Insurance Corporation (LPS). Deposits with interest rates exceeding the applicable guarantee interest rate are not covered by LPS. The LPS guarantee interest rate through September 30, 2026, is 3.75% per annum.

If you want to start using Tabungan NOW, download the neobank app through the Play Store or App Store. For more information, visit the Tabungan NOW page on the official Bank Neo Commerce website. 

PT Bank Neo Commerce Tbk is licensed and supervised by the Financial Services Authority (OJK) and Bank Indonesia (BI), and is a participant in the Deposit Insurance Corporation (LPS) guarantee program.