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About BTN
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Tabungan BTN Emas iB

Saving Gold from Now to Later

Ease of investing in gold without doubt to meet future needs

Tabungan BTN Emas iB

BTN Emas iB Savings is a savings product to plan the purchase of gold investments while still getting profitable profit sharing and based on sharia principles with the "Mudharabah" contract.

transaksi

Maintained Value

The value of gold assets and investments is safe and trusted

atm

Competitive Profit Sharing

Enjoy attractive and competitive profit sharing

echannel

Auto Debit Infaq

Yields can be auto-debited for infaq and shodaqoh

open account

Ease of Funds

Experience the ease of preparing investment funds

aksesbilitas

Purchasing and Pawning Gold

Easy access to gold purchasing and pawning services

poin

Attractive Benefits

Get attractive benefits from special programs

transaksi

Maintained Value

The value of gold assets and investments is safe and trusted

atm

Competitive Profit Sharing

Enjoy attractive and competitive profit sharing

echannel

Auto Debit Infaq

Yields can be auto-debited for infaq and shodaqoh

open account

Ease of Funds

Experience the ease of preparing investment funds

aksesbilitas

Purchasing and Pawning Gold

Easy access to gold purchasing and pawning services

poin

Attractive Benefits

Get attractive benefits from special programs

Cost Savings

Cost Type Cost
Initial Deposit Rp50.000,-
Minimum Deposit Required by Auto Debit Rp50.000,-
Minimum Manual Deposit/Top Up Rp50.000,-
Minimum Balance Rp10.000,-
Minimum target funds (hold) Rp600.000,-
Administrative fees No fees
Emergency withdrawal Rp50.000,-
Account closure Rp50.000,-
Replace the book because it is damaged Rp15.000,-

Terms And Conditions

  • Accounts can be valid for Indonesian citizens (WNI)

  • The account is declared active and can be used effectively after being approved and activated by the Bank in accordance with the provisions applicable at the Bank

  • Must attach the required documents

  • Not listed on the valid black list published by BI

  • The individual in whose name the account opened is fully responsible for all obligations arising from the account

Learn More Information

How to Open an Account

  • 1

    Prepare Initial Deposit Funds and Documents

    Prepare the documents and funds needed to make the initial deposit.

  • 2

    Visit the nearest BTN Syariah

    To open an account, customers can do so at the nearest BTN Syariah Branch Office.

  • 3

    Come to Customer Service

    Creating and applying for a savings account will be assisted by BTN Syariah customer service.

  • 4

    Complete Form

    Complete all required forms and submit the prepared documents.

  • 5

    Follow Procedure

    The customer can then follow the entire series of procedures directed.

  • 6

    Successful Opening of BTN Emas iB Savings

    The customer has received the BTN Emas IB savings and account.

Find Answers To Your Questions

What are the Benefits of BTN Emas iB Savings?
The advantage of BTN Emas iB Savings is that it helps you prepare funds to purchase gold and get gold that is certified as authentic.

What is the mechanism for BTN Emas iB Savings?
The BTN Emas iB Savings mechanism is that customers can deposit cash to save regularly every month according to the fund target determined by the customer. Then, the money collected can later be in the form of physical gold through gold purchasing services provided by the Bank according to the price at the time of purchasing the gold.

Is there a minimum funding target for BTN Emas iB Savings?
The minimum target fund for BTN Emas iB Savings is IDR 600,000.

Can BTN Emas iB Savings be transacted?
No, BTN Emas iB Savings cannot be transacted. However, funds can be withdrawn if at any time the customer needs it in an emergency or when the customer's fund target has been reached and the customer has purchased gold.

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