Deposito Reguler is a digital deposit product in Bank Saqu App. Deposito Reguler offers deposit product flexibility, where you can effortlessly open, manage, access an account, and easily extend your deposit period to fit your needs.

What is Deposito Reguler?

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 a Deposito Reguler account while joining a Busposito, and vice versa, you can also join a Busposito while having a Deposito Reguler account.

Can I create a Deposito Reguler while joining a Busposito?

You can create up to 20 Deposito Regulers. Keep a close eye on Bank Saqu App to learn more about maximum amount of Deposito Reguler!

What is the maximum amount of Deposito Regulers I can have?

Here's how to open a Deposito Reguler in Bank Saqu:<ol><li>Click "Saku" on bottom navigation in homepage then click "Deposito Reguler" OR click "Deposito Reguler" in "Saku Saya" sub-menu</li><li>Click "Buka Deposito Reguler"</li><li>Choose which Pocket as source of fund, fund value, and deposit period</li><li>Choose instruction you prefer when Deposito Reguler period ends</li><li>Read Terms &amp; Conditions carefully</li><li>When you agree on Terms &amp; Conditions, you will receive a notification that you successfully open Deposito Reguler.</li></ol>

How to open a Deposito Reguler?

You can use all Saku Utama and Saku Transaksi as a source of funds for Deposito Reguler

Which pockets I can use as source of fund when opening a Deposito Reguler?

Available deposit period (tenor) for Deposito Reguler at Bank Saqu App is 1 (one) until 12 (twelve) months. Keep a close eye on Bank Saqu App to learn more about tenor options for Deposito Reguler!

What are the deposit period (tenor) options for Deposito Reguler?

You can deposit an amount equal to or greater than the minimum placement limit set in Bank Saqu App for a Deposito Reguler, which is Rp1.000,000. Meanwhile, the maximum amount is Rp5.000.000.000. However, the minimum and maximum placement limits for Deposito Reguler may change from time to time.

What is the minimum and maximum amount required to open a Deposito Reguler?

The interest rate you can gain is 4.25% p.a. Keep a close eye to Bank Saqu App to know more about interest rates!

What interest rate profit will I get if I have funds I Deposito Reguler?

The Deposito Reguler interest rate is calculated based on the number of days calculated from the day of placement until the expiration date (last day is not counted) divided by the actual number of days, which is 365 calendar days for non-leap years and 366 days for leap years. Interest rate promised by the Bank will be paid according to the instructions you received (after deducted by taxes according to the applicable tax regulations).The following is a simulation or example of profit calculation on Deposito Reguler interest according to the number of days in 1 (one) year:Interest = Principal x Interest Rate x (Deposit Period*/365)Example 11. Regular Year Simulation (365 Days)Deposito Reguler interest rate = 5% p.a.Deposito Reguler opening date = 1 February 2023The tenor chosen by the customer = 1 monthDeposito Reguler expiration date = March 1, 2023Initial fund placement = IDR 10,000,000&nbsp;Number of days = 28 daysInterest earned by the customer at the end of the period = 5% * 28/365 days x IDR 10,000,000Interest = IDR 38,35720% tax = IDR 7,671Net estimated daily interest received by customer = IDR 30,686&nbsp;Example 22. Leap Year Simulation (366 Days)Deposito Reguler interest rate = 5% p.a.Deposito Reguler opening date = 1 February 2023The tenor chosen by the customer = 1 monthDeposito Reguler expiration date = March 1, 2023Initial fund placement = IDR 10,000,000&nbsp;Number of days = 28 daysInterest earned by customer at the end of the period = 5% * 29/366 days x IDR 10,000,000Interest = IDR 39,61720% tax = IDR 7,923Net estimated daily interest received by customer = IDR 31,694

How to calculate interest rate profit I gain from my Deposito Reguler?

Yes, the tax is taken at the same time as the interest payment. The tax deduction is done automatically by PT Bank Jasa Jakarta according to the applicable tax regulations.

Has the interest profit I will gain from Deposito Reguler already been taxed?

Don't worry, opening or closing Deposito Reguler is free of charge.

Is there a fee for opening or closing a Deposito Reguler?

<ol><li>Rollover Deposito Reguler for principal amount and interest<ul><li>When Deposito Reguler matures, the&nbsp; Deposito Reguler will be automatically renewed for the same duration as when the&nbsp; Deposito Reguler is first opened</li><li>Interest earned is added to placement amount and rolled-over as well</li><li>Interest rate for the rollover will be based on prevailing rate at the Bank at the time of the automatic renrewal.</li></ul></li><li>Rollover Deposito Reguler for principal amount only:<ul><li>When Deposito Reguler matures, the&nbsp; Deposito Reguler will be automatically renewed for the same duration as when the&nbsp; Deposito Reguler is first opened</li><li>The interest earned on Deposito Reguler will be credited to the source account (Saku) upon maturity</li><li>Interest rate for the rollover will be based on prevailing rate at the Bank at the time of the automatic renrewal.</li></ul></li><li>No rollover<ul><li>When Deposito Reguler matures, the placement amount and the interest earned will be credited to the source account (Saku).</li></ul></li></ol>

What are the extension options available for a Deposito Reguler account upon maturity?

You can change the your Deposito Reguler instructions through Bank Saqu App latest 2 (two) calendar day before the deposit period ends. This is how:<ol><li>Open the Deposito Reguler that you want to change the renewal instructions for</li><li>Click "Pilih perpanjangan saat deposito berakhir"</li><li>Select the instruction you want</li><li>Click "Lanjut"</li><li>If the instruction changing process when the Deposito Reguler ends successfully, you will receive a notification.</li></ol>

What if my Deposito Reguler has already been extended, but I want to change the renewal instructions?

<ol><li>Click "Saku" on bottom navigation in homepage then click "Deposito Reguler" OR click "Deposito Reguler" in "My Pockets" sub-menu</li><li>Select the Deposito Reguler you want to view.</li></ol>

Where can I access my Deposito Reguler details?

Unfortunately, you can't. The funds processed by a Deposito Reguler when opened are only the funds placed at the time of deposit opening. However, you can open a new Deposito Reguler.

Can I add funds or top up to a Deposito Reguler which I already opened?

<ul><li>Yes, you can. The funds you can withdraw are the entire available fund in your Deposito Reguler.</li><li>If you make a withdrawal from your Deposito Reguler before deposit period ends, only the funds placed at the time of opening will be paid out. This means that the Deposito Reguler interest that will not be paid.</li><li>The process of withdrawing funds from a Deposito Reguler can be done no later than 1 (one) calendar day before deposit period ends.</li></ul>Here's how to withdraw funds from a Deposito Reguler before deposit period ends:<ol><li>Open the Deposito Reguler from which you want to withdraw funds</li><li>Click "Tarik Deposito"</li><li>If you're sure you want to withdraw funds, click "Setuju".</li><li>Select the reason for the withdrawal.</li><li>If the funds have been successfully withdrawn, you will receive a notification.</li><li>You will receive the amount of withdrawn deposit funds in your wallet, which is the source of funds.</li></ol>

Can I stop or withdraw funds from my Deposito Reguler within ongoing deposit period?

You can receive the amount of the Deposito Reguler after withdrawal or after deposit period ends in the Pocket that was the source of funds used when you placed the funds at the time of opening the deposit.

Where can I find the funds from my withdrawn or ended Deposito Reguler?

Bank Jasa Jakarta participates in the deposit insurance program organized by the Deposit Insurance Corporation.However, all customer funds placed in the Bank that exceed the maximum value and/or interest rate guaranteed by LPS, will not be guaranteed by LPS.

Is Deposito Reguler guaranteed by LPS? 

The total balance displayed in Bank Saqu App has been rounded down. However, the calculation of the total balance in the system still uses the amount of the balance up to two decimal.

Deposito Reguler

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