Harmony Gold Savings

Harmony Gold Savings

Harmony Gold Savings is a deposit offered to the public or customers at BPR Nusamba Manggis in Indonesian Rupiah, designed for individual customers, organizations, or businesses.

 

Key Features

  • Minimum initial deposit of IDR 1,000,000
  • Minimum deposited balance of IDR 500,000
  • The next deposit is at least IDR 250,000
  • Withdrawals are not restricted
  • Progressive savings interest rates based on balance:

 Balance Range

 Annual Interest Rate

 IDR 500,000 – IDR 750,000,000

 3.00%

 >IDR 750,000,000 – IDR 1,500,000,000

 3.25%

 >IDR 1,500,000,000 – IDR 3,000,000,000

 4.00%

 >IDR 3,000,000,000 – IDR 4,500,000,000

 4.50%

 >IDR 4,500,000,000

 5.00%
  • LPS guarantee interest rate: 6.50% per annum

Cost

Fee Type

Nominal

Monthly administration

IDR 2,500

Book replacement

IDR 10,000

Passive account penalty

IDR 3,000

Account closure

IDR 25,000

Taxes on interest

Valid if the balance > IDR 7,500,000

Note:

  • Free book replacement if the book is full or damaged/missing
  • A passive account is an account with no transactions for 6 months

Account Opening Requirements

  1. Identity card (KTP/SIM/Passport)
  2. For business entities: Deed of incorporation, AD/ART, SIUP, TDP, NPWP, KTP Administrator
  3. Fill out the application form and signature specimen

Benefit

  • Suitable for individuals, organizations, or business entities
  • Competitive interest rates
  • Easy requirements
  • Low cost
  • Can be used as a credit card
  • Guaranteed by the Deposit Insurance Corporation (LPS)

Risk

  1. Interest rate changes at any time
  2. Savings are not guaranteed by LPS if:
    • Balance exceeds IDR 2 billion in the name of one person
    • Interest rates exceed LPS guarantee rate
  3. Passive accounts can be closed by banks

 

Harmoni Gold Savings Interest Calculation Simulation

Lowest Balance*

Interest**

Flowers Received***

Interest After Tax****

IDR 10,500,000

3,00%

IDR25,890,41

IDR20,712,33

IDR1,500,000,000

4,00%

IDR 4,931,506.85

IDR 3,945,205.48

Symbol Description

* Lowest account balance in a month

** Interest rate in one year

Calculation of interest received for 1 month (30 days)

Interest tax deduction of 20% if the balance is above IDR 7,500,000

Additional Information (Terms and Conditions)

  1. Harmoni Gold Savings is a deposit in Rupiah at BPR Nusamba.
  2. This product is intended for individuals, organizations, or business entities.
  3. The customer receives a passbook as proof and a means of recording transactions.
  4. Loss of passbooks must be reported to the bank with a Certificate of Loss from the police.
  5. The lost book will be replaced with a new book with "DUPLICATE" and the last balance as valid proof.
  6. Books that are recovered after being reported missing are considered invalid and must be submitted to the BPR for "CANCEL" stamping.
  7. BPR is not responsible for losses due to loss or misuse of the passbook.
  8. The account may be closed by the bank if the customer's data is proven to be incorrect or fake.
  9. The passbook is owned and supervised by BPR.
  10. Account closure must be accompanied by a return of the passbook.
  11. If the customer dies, the balance will be handed over according to the bank's provisions.
  12. Taxes on interest are imposed in accordance with applicable regulations.
  13. Interest is calculated based on the lowest balance in a month.
  14. Interest rates are subject to change at any time according to the bank's policy.
  15. Deposits are guaranteed by the Deposit Insurance Corporation (LPS) in accordance with applicable regulations.

 


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