Save in gold and get a gold balance bonus of up to IDR 500,000

A program designed for all customers who do not yet have a Gold Savings account, whether they are new customers (NTB) or existing customers (ETB).

Program Terms and Conditions

• Program Period: September 1 – December 31, 2026
• The program applies to all customers who do not yet have a Gold Savings account and open one during the program period.
• Customers must make an initial purchase with a minimum amount corresponding to the scheme in the table and add the unique digit "1" (one) to the transaction amount to identify their participation in the program.
• If a customer purchases gold in an amount exceeding a specified tier, the reward will be calculated based on the lowest tier closest to the purchase amount. Example: for a gold purchase of IDR 7,000,001, the calculated reward is IDR 100,000, based on the lowest tier of IDR 5,000,001.

• If the gold price is <IDR 2,500,000/gram, participation in the program under the IDR 25 million scheme follows the simulation below:

  Activity	Nominal	Reward
  Open a Gold Savings account	First Purchase:  IDR 20,000,001 + Top-up IDR 5,000,001	IDR 500,000

• Customers will receive a reward in the form of a Gold Savings balance bonus according to the selected scheme; the reward does not apply to multiples of the purchase amount.
• Reward quotas are limited and allocated on a first-come, first-served basis (subject to monthly quota availability; quotas cannot be accumulated).
• The gold balance reward will be credited to the customer's Gold Savings account no later than 30 working days after the program ends.
• The linked account and the Gold Savings account must be active at the time the reward is credited.
• The Bank reserves the right, at its discretion, to suspend or cancel the reward if there are indications of fraud, irregularities, or violations of these Terms and Conditions.
• The Bank reserves the right to amend, add to, and/or modify these Terms and Conditions, with notification provided via channels deemed appropriate by the Bank, in accordance with applicable laws and regulations.