{"id":584751,"date":"2025-08-05T09:55:43","date_gmt":"2025-08-05T02:55:43","guid":{"rendered":"https:\/\/vibiznews.com\/?p=584751"},"modified":"2025-08-05T09:55:43","modified_gmt":"2025-08-05T02:55:43","slug":"apa-saja-kriteria-rekening-yang-bisa-diblokir-ppatk","status":"publish","type":"post","link":"https:\/\/vibiznews.com\/index.php\/2025\/08\/05\/apa-saja-kriteria-rekening-yang-bisa-diblokir-ppatk\/","title":{"rendered":"Apa Saja Kriteria Rekening Yang Bisa Diblokir PPATK?"},"content":{"rendered":"<p>&nbsp;<\/p>\n<p style=\"text-align: justify;\">(Vibiznews \u2013 Banking &amp; Insurance) \u2013 Berita Pusat Pelaporan dan Analisis Transaksi Keuangan (PPATK) akan memblokir sejumlah rekening bank yang berstatus pasif atau dormant hangat dibicarakan.<\/p>\n<p style=\"text-align: justify;\">Tentu kita perlu tahu apa yang dimaksud dengan rekening yang berstatus pasif atau rekening dormant.<\/p>\n<h5 style=\"text-align: justify;\">Rekening pasif yang dimaksud adalah rekening yang tidak memiliki aktivitas dalam jangka waktu tertentu, yaitu 3-12 bulan. Jangka waktu ini tergantung dari kebijakan masing-masing bank.<\/h5>\n<p style=\"text-align: justify;\">Pemblokiran rekening ini dilakukan sebagai bagian dari upaya pencegahan tindak pidana pencucian uang. Serta penyalahgunaan rekening untuk berbagai aktivitas ilegal lainnya.<\/p>\n<p style=\"text-align: justify;\">Kriterianya adalah rekening pasif yang sengaja digunakan untuk menampung dana hasil kejahatan, termasuk korupsi, perdagangan ilegal, hingga penipuan daring.<\/p>\n<p style=\"text-align: justify;\">\u201cUntuk melindungi masyarakat dan sistem keuangan, PPATK menghentikan sementara transaksi pada sejumlah rekening dormant, sesuai dengan UU Nomor 8 Tahun 2010,\u201d jelas PPATK, dikutip dari Kompas.com (29\/7\/2025).<\/p>\n<h5 style=\"text-align: justify;\"><strong>Jadi, apa saja jenis rekening yang bisa diblokir PPATK?<\/strong><\/h5>\n<p style=\"text-align: justify;\">Jenis-jenis rekening yang bisa diblokir PPATK<\/p>\n<p style=\"text-align: justify;\">PPATK hanya akan melakukan pemblokiran terhadap jenis rekening yang berstatus dormant. Kondisi ini biasanya terjadi jika pemilik rekening tidak melakukan aktivitas seperti setoran, penarikan tunai, transfer, atau transaksi digital selama beberapa bulan.<\/p>\n<p style=\"text-align: justify;\">Berikut jenis-jenis rekening yang bisa diblokir PPATK:<\/p>\n<p style=\"text-align: justify;\">1. Rekening tabungan perorangan<br \/>\n2. Rekening tabungan perusahaan<br \/>\n3. Rekening giro<br \/>\n4. Rekening dalam mata uang rupiah<br \/>\n5. Rekening dalam mata uang asing (valuta asing\/valas).<\/p>\n<p style=\"text-align: justify;\">Sebagai informasi, setiap bank memiliki ketentuan yang berbeda mengenai jangka waktu dormansi. Ada bank yang menetapkan batas waktu 3 bulan, 6 bulan, hingga 12 bulan tanpa transaksi sebagai kriteria rekening pasif.<\/p>\n<p style=\"text-align: justify;\">Meski demikian, di luar jenis rekening yang telah disebutkan, PPATK tidak akan memblokir rekening yang masih aktif. Atau rekening baru yang masih digunakan dalam batas pemakaian yang wajar.<\/p>\n<h5 style=\"text-align: justify;\"><strong>Bagaimana cara reaktivasi rekening dormant yang diblokir PPATK?<\/strong><\/h5>\n<p style=\"text-align: justify;\">Meskipun diblokir, PPATK menegaskan bahwa nasabah tidak kehilangan hak atas dana yang dimiliki. Dana tetap aman di dalam rekening dan tidak akan hilang.<br \/>\nNasabah yang rekeningnya diblokir masih memiliki kesempatan untuk reaktivasi atau mengaktifkannya kembali dengan mengikuti prosedur yang telah ditetapkan PPATK.<\/p>\n<p style=\"text-align: justify;\">Yaitu nasabah dapat mengajukan permohonan aktivasi ulang dengan mengisi formulir secara daring yang dikeluarkan oleh PPATK.<br \/>\nSetelah formulir dikirimkan, PPATK bersama pihak bank akan melakukan proses verifikasi dan peninjauan data.<\/p>\n<h5 style=\"text-align: justify;\">Waktu yang dibutuhkan untuk proses ini sekitar lima hari kerja. Namun, apabila ditemukan ketidaksesuaian data atau dokumen belum lengkap, waktu penanganan bisa diperpanjang hingga 15 hari kerja.<\/h5>\n<p style=\"text-align: justify;\">Dengan demikian, proses aktivasi ulang dapat berlangsung maksimal hingga 20 hari kerja. Nasabah dapat memeriksa status rekening secara mandiri melalui ATM, layanan mobile banking, atau dengan menghubungi langsung pihak bank terkait.<\/p>\n<p><em>Belinda Kosasih\/ Partner of Banking Business Services\/Vibiz Consulting<\/em><\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>&nbsp; (Vibiznews \u2013 Banking &amp; Insurance) \u2013 Berita Pusat Pelaporan dan Analisis Transaksi Keuangan (PPATK) akan memblokir sejumlah rekening bank yang berstatus pasif atau dormant hangat dibicarakan. Tentu kita perlu tahu apa yang dimaksud dengan rekening yang berstatus pasif atau rekening dormant. Rekening pasif yang dimaksud adalah rekening yang tidak memiliki aktivitas dalam jangka waktu [&hellip;]<\/p>\n","protected":false},"author":101013,"featured_media":584753,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_exactmetrics_skip_tracking":false,"_exactmetrics_sitenote_active":false,"_exactmetrics_sitenote_note":"","_exactmetrics_sitenote_category":0,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[353,179,17],"tags":[15167],"class_list":["post-584751","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-banking-insurance","category-bond-mutual","category-popular_news","tag-rekening-dormant"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Apa Saja Kriteria Rekening Yang Bisa Diblokir PPATK? 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