Opening a neobank account is done entirely online through the neobank application. You only need an e-KTP and face verification, and the process usually takes only a few minutes without visiting a bank branch.

Separate Savings and Operational Accounts to Make Saving Easier

Using one account for all financial needs often causes savings to be spent unintentionally. One solution is to separate operational accounts from savings accounts.

In neobank, after registration, customers automatically have:

• Tabungan Reguler
• Tabungan NOW

Both accounts can be used as a strategy for separating funds. You only need to top up the Tabungan NOW account.

How to Separate Accounts in neobank

Operational Account

Use Tabungan Reguler for daily transactions such as:

• Transfers
• Payments
• QRIS transactions
• Top-ups

Tabungan Reguler interest: 0% per year

Savings Account

Use Tabungan NOW for interest-bearing savings:

• 4.25% interest per year
• Interest paid daily
• No minimum deposit
• No monthly admin fee while the account remains active

How to Top Up Tabungan NOW

From Tabungan Reguler Balance (Free)

• Open the neobank application
• Select Account
• Choose Tabungan NOW
• Click Top Up
• Select the funding source “My Balance”
• Enter the amount
• Confirm

From Internet Banking / Mobile Banking / ATM

• Choose the transfer method
• Copy the destination account number
• Transfer funds from another bank
• Transfer fees follow the policy of the sending bank.

Through Virtual Account

• IDR 2,000 fee for top-ups below IDR 50,000
• Free for amounts above IDR 50,000 if you still have a free admin quota
• IDR 2,000 fee if the free quota has been used up

How Much Interest Do You Earn from Saving IDR 100,000 in Tabungan NOW?

Tabungan NOW offers 4.25% interest per year, calculated based on the daily balance and paid daily.

Simple simulation

Daily interest formula:

Daily Interest = (Balance × Annual Interest Rate) / 365

The most commonly used day basis by banks is 365 days.

Example:

100,000 × 0.0425 ÷ 365

= IDR 11.64 per day (before rounding)

This simulation is illustrative and not rounded. Actual returns may differ depending on the number of days and the daily balance.

Important Notes

1. The LPS guaranteed interest rate until May 31, 2026 is 3.50% (https://apps.lps.go.id/BankPesertaLPSRate)
2. Deposits with interest rates above the LPS guaranteed rate are not covered by LPS.
3. Deposits are guaranteed up to IDR 2 billion per customer per bank, as long as the guarantee requirements are met.
4. Interest rate information as of March 5, 2026.
5. For more information about Tabungan NOW interest rates, visit: https://s.id/fbtabungannow

Interest rates may change for new account openings according to bank policy.

Strategies to Make Account Separation More Effective

• Set a fixed percentage (for example 70% operational, 30% savings)
• Separate emergency funds from goal-based savings
• Use automatic transfer features if available
• Review financial targets every month

Opening a neobank account can be done online in just a few minutes, with no monthly admin fee as long as the account remains active.

By separating Tabungan Reguler (operational) and Tabungan NOW (interest-bearing) accounts, financial management can become more structured and help manage funds more efficiently.

Before using the product, make sure to read and understand the applicable terms and conditions.

FAQ

1. How do I open a neobank account?

Download the neobank application, register, upload your e-KTP, complete face verification, and the account can be used after the verification process is successful.

2. How much interest do you get from saving IDR 100,000?

With an annual interest rate of 4.25%, the estimated return is around IDR 11.6438 per day (illustrative).

3. What is the monthly fee for neobank?

There is no admin fee while the account remains active.
A IDR 5,000 monthly fee applies if the account is inactive for 6 consecutive months.

4. How do you open a neobank account?

The process is done entirely through the application without visiting a bank branch.

Product features, fees, and terms may change according to bank policy.

If you want to learn more about the available savings products, you can check them through the neobank application on PlayStore or App Store.
More information: https://s.id/fbtabungannow

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