Tabungan NOW is a digital savings product from Bank Neo Commerce with 4.25% interest per year, calculated based on the daily balance and paid out daily. This product is available through the neobank application and differs from Tabungan Reguler, which has 0% interest.

Tabungan Reguler and Tabungan NOW in neobank

Both accounts serve different purposes:

• Tabungan Reguler – for daily transactions
• Tabungan NOW – for interest-bearing savings

The goal is to help users manage funds more efficiently within a single application.

Quick Comparison

What Is Tabungan Reguler?

Tabungan Reguler is the basic account that becomes automatically active after completing the neobank registration.

Its main functions include:

• Interbank transfers
• Transfers between neobank accounts
• Bill payments
• Top-ups for savings and deposit products in neobank
• Mobile credit and data top-ups
• QRIS payments
• Cardless cash withdrawals

What Is Tabungan NOW in neobank?

Tabungan NOW is an interest-bearing savings account from Bank Neo Commerce that can be opened and managed through the neobank application.

Key features

• 4.25% interest per year
• Interest calculated based on daily balance
• Interest paid daily
• No minimum initial deposit
• No monthly admin fee as long as the account remains active
• Flexible withdrawals

Interest rates may change according to bank policy.

This product can be used for several financial purposes such as:

• Emergency funds (3–6 months of expenses)
• Short-term financial goals (1–12 months)
• Operational funds that still earn interest

What Is the Minimum Balance for Tabungan NOW?

There is no minimum initial balance required to open a Tabungan NOW account.

Customers can start saving with any amount.

Fee policy

• No admin fee while the account remains active
• A IDR 5,000 monthly fee applies if there is no login and/or transaction for 6 consecutive months

Important Notes

Interest rate information as of March 2, 2026, and may change according to bank policy.

The LPS guaranteed interest rate until May 31, 2026 is 3.50%
https://apps.lps.go.id/BankPesertaLPSRate

Deposits with interest rates above the LPS guarantee rate are not covered by LPS, according to applicable regulations.

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.

FAQ

1. What is Tabungan NOW in neobank?

A digital savings account with 4.25% annual interest paid daily.

2. What is the difference between Tabungan Reguler and Tabungan NOW?

Tabungan Reguler offers 0% interest and is designed for transactions, while Tabungan NOW offers 4.25% interest and is designed for growing savings.

3. What is the minimum balance for Tabungan NOW?

There is no minimum initial deposit.

4. Is there a monthly fee?

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.

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

If you want to learn more about 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).