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Terms and Conditions

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Want to know more? 

Frequently Asked Questions

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Choose your Busposito

Fill in the Bus name and input the amount and tenor to see your potential return. 

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Check your Busposito details to confirm. Once ready, click “Continue”.

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How to Open Busposito

Hop onboard solo or rally your crew! More participant mean higher interest rates and an express journey with Busposito!

The More, The Merrier

With only a minimum balance of Rp100.000, you can start investing with other Busposito passengers. 

Get a Boost with Minimum Balance

Add more money anytime before Busposito starts, and withdraw your funds. It's all within on your control. 

Invest the Way You Want

Invest Together, 

Earn More Together

An innovative Bank Saqu exclusive that turns investing into a rewarding journey. The more people invest together, the higher returns everyone receives!

Deposito Reguler and Busposito are both deposit products from the Bank Saqu App. The difference between Deposito Reguler and Busposito lies in the opening process, interest, and renewal method.With Deposito Reguler, you may open a deposit account at any time through the app and easily determine extension period when the deposit period ends.As for Busposito, you can join if there's any Busposito available on the app, either the maximum number of participants has not reached yet or the waiting period has ended. The applicable interest will be based on the number of customers in the same Busposito. Currently, there is no extension option for Busposito product.

What's the difference between Deposito Reguler and Busposito?

Of course. You can create Busposito even though you already have a Deposito Reguler and vice versa.

If I have a Deposito Reguler, can I join  Busposito?

You can use Saku Utama, Saku Transaksi or Saku Nabung as a source of funds for Busposito.

What pockets can be used as the source of funds for Busposito?

Don't worry. Opening Busposito is free of charge.

Is there a fee for opening Busposito?

Busposito interest is calculated by the number of days between start and end dates (end day is excluded), divided by 365 or 366 (leap year)The agreed interest rate with the bank will be paid out as directed by the customer after taxes are deducted according to relevant regulations.Calculation Simulation (1 year = 365 days)Interest = Principal Amount x Interest Rate x (Number of Days Passed/365)Busposito-123 is a product with one month period. Therefore, the interest rate for this product depends on the number of participants.<ul><li>If there are 1 to 5 participants, the interest rate will be 4%.</li><li>If there are 6 to 9 participants, the interest rate will be 5%.</li><li>If there are 10 participants, the interest rate will be 6%.</li></ul>The waiting period for this product ends on 1st February 2023.Example 1On 30th January 2022, the second participant joined with Rp100.000, and a 4% interest rate was applied.The total number of participants remained at two as no more joined before the waiting period ended on 1st February 2022.Busposito started on 1st February 2022 and ended on 1st March 2022, 1 month or 28 days.So the calculation will be:100.000 x 4% x 28/365 = 360Tax deduction (360-61) = 245Total accumulation = 100.000 + 245 = Rp100.245Example 2On 30th January 2022, the second participant joined with Rp100.000, and a 4% interest rate was applied.On January 31, 2022, more consumers joined until a maximum of 10 participants are reached. Then the applicable interest is 6% for all participants.Busposito started on 1st February 2022 and ended on 1st March 2022, 1 month or 28 days.Then the calculation:100,000 x 6% x 28/365 = 460Tax deduction (460-92) = 368Total accumulation: 100,000+368 = IDR 100,368

How to calculate my Busposito interest?

Yes, if you withdraw some or all of the funds when Busposito has started, you will be charged a fee of 0.35% of the nominal funds you withdraw.

Busposito

Invest Together,
Earn More Together