{"id":590451,"date":"2025-12-15T20:43:10","date_gmt":"2025-12-15T13:43:10","guid":{"rendered":"https:\/\/vibiznews.com\/?p=590451"},"modified":"2025-12-15T20:43:10","modified_gmt":"2025-12-15T13:43:10","slug":"suku-bunga-tabungan-dan-deposito-bank-digital-lebih-tinggi-dibanding-bank-konvensional","status":"publish","type":"post","link":"https:\/\/vibiznews.com\/index.php\/2025\/12\/15\/suku-bunga-tabungan-dan-deposito-bank-digital-lebih-tinggi-dibanding-bank-konvensional\/","title":{"rendered":"Suku Bunga Tabungan dan Deposito Bank Digital Lebih Tinggi Dibanding Bank Konvensional"},"content":{"rendered":"<p>&nbsp;<\/p>\n<p style=\"text-align: justify;\">(Vibiznews \u2013 Banking &amp; Insurance) \u2013 Mengapa banyak nasabah beralih menjadikan bank digital sebagai tempat simpanan dananya baik tabungan maupun deposito?<\/p>\n<h5 style=\"text-align: justify;\">Ini dia yang menjadi pertimbangan para nasabah beralih dari bank konvensional ke bank digital, suku bunga yang lebih tinggi. Baik bagi tabungan maupun deposito selain faktor keamanan dan kemudahan layanan. Sebab, suku bunga yang kompetitif akan lebih mengoptimalkan pertumbuhan simpanan di bank.<\/h5>\n<p style=\"text-align: justify;\">Tingkat suku bunga bank sangat dipengaruhi besaran suku bunga acuan Bank Indonesia (BI-Rate). Rapat Dewan Gubernur (RDG) Bank Indonesia pada 18\u201419 November 2025 memutuskan mempertahankan BI-Rate sebesar 4,75%, suku bunga <em>Deposit Facility<\/em> sebesar 3,75% dan suku bunga <em>Lending Facility<\/em> sebesar 5,50%.<\/p>\n<p style=\"text-align: justify;\">Rata-rata bunga bank digital lebih tinggi dibandingkan bank konvensional. Adanya selisih atau spread bunga bank digital dengan bunga bank konvensional atau BI-Rate akan memberikan potensi keuntungan yang juga lebih tinggi bagi nasabah.<\/p>\n<p style=\"text-align: justify;\">Menilik keterangan dari laman sejumlah bank digital, per 10 Desember 2025 bunga tabungan yang diberikan berkisar antara 0,50%-4,25% per tahun. Adapun suku bunga deposito yang ditawarkan berkisar antara 3,5%-6,5% per tahun dengan tenor 1\u201412 bulan.<\/p>\n<h5 style=\"text-align: justify;\"><strong>Suku bunga bank digital terbaik<\/strong><\/h5>\n<p style=\"text-align: justify;\">Berdasarkan pengamatan Krom Bank memiliki produk tabungan dan deposito dengan suku bunga yang lebih kompetitif dibandingkan dengan bank digital lainnya.<\/p>\n<p style=\"text-align: justify;\">Tabungan Krom memberikan bunga 6% per tahun (p.a), sementara Deposito Krom Max memiliki suku bunga 7%-8,25% p.a. Dan Deposito Krom Flex menawarkan bunga 6,5%-7,75% p.a.<\/p>\n<p style=\"text-align: justify;\">Cara dan persyaratan membuka rekening serta deposito Krom Bank pun tidak rumit. Pertama, unduh aplikasi Krom dari Google Playstore atau Appstore. Selanjutnya, isi nomor handphone dan data diri sesuai panduan di aplikasi Krom.<\/p>\n<p style=\"text-align: justify;\">Nasabah wajib berstatus WNI (Warga Negara Indonesia), berusia minimal 18 tahun, dan memiliki KTP asli. Setelah akun diverifikasi, nasabah bisa mengaktivasi akun dengan memilih nomor rekening dan mengatur PIN.<\/p>\n<p style=\"text-align: justify;\">Tidak ada saldo minimum untuk membuka rekening Krom. Setelah akun aktif, nasabah akan mendapatkan 1 rekening Tabungan Utama yang dapat digunakan untuk bertransaksi, baik transfer maupun pembayaran. Selain Tabungan Utama, nasabah juga bisa membuat maksimal 19 Kantong Tabungan sesuai kebutuhan.<\/p>\n<h5 style=\"text-align: justify;\">Di samping bunga yang atraktif, keunggulan Tabungan Krom lainnya terletak pada fasilitas bebas biaya administrasi bulanan, Dan transfer gratis ke bank lain sebanyak 100 kali per bulan.<\/h5>\n<p style=\"text-align: justify;\">Fasilitas transfer gratis ini bisa dipakai untuk transaksi pembayaran tagihan maupun pembelian seperti top up saldo <em>e-wallet<\/em>.<\/p>\n<h5 style=\"text-align: justify;\"><strong>Deposito tenor harian<\/strong><\/h5>\n<p style=\"text-align: justify;\">Keistimewaan produk deposito Krom Bank dibandingkan bank digital lainnya adalah jangka waktunya yang sangat fleksibel. Dan dapat diatur secara harian, tidak hanya sebatas 1, 3, 6, atau 12 bulan.\n<\/p>\n<p style=\"text-align: justify;\">Deposito Krom Flex dan Deposito Krom Max menyediakan tenor 14\u2014365 hari. Nasabah dapat menentukan tenor dengan memilih tanggal jatuh tempo atau mengetuk tanggal di kalender yang tersedia di aplikasi Krom.<\/p>\n<p style=\"text-align: justify;\">Syarat pembukaan depositonya juga tidak memberatkan, cukup dengan menyetor saldo awal minimum Rp100.000 nasabah sudah bisa memiliki deposito berjangka. Selain itu, nasabah dapat membuat maksimal 40 deposito, yakni 20 deposito untuk Deposito Krom Flex dan 20 deposito untuk Deposito Krom Max.<\/p>\n<p style=\"text-align: justify;\">Khusus untuk Deposito Krom Flex, dananya dapat ditarik kapan saja tanpa biaya penalti. Lebih menguntungkan lagi, meskipun deposito ditarik lebih awal, nasabah juga tetap mendapatkan bunga sebesar 6% p.a.<\/p>\n<p style=\"text-align: justify;\"><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 Mengapa banyak nasabah beralih menjadikan bank digital sebagai tempat simpanan dananya baik tabungan maupun deposito? Ini dia yang menjadi pertimbangan para nasabah beralih dari bank konvensional ke bank digital, suku bunga yang lebih tinggi. Baik bagi tabungan maupun deposito selain faktor keamanan dan kemudahan layanan. Sebab, suku bunga [&hellip;]<\/p>\n","protected":false},"author":101013,"featured_media":495509,"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":[353,183],"tags":[],"class_list":["post-590451","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-banking-insurance","category-technology"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Suku Bunga Tabungan dan Deposito Bank Digital Lebih Tinggi Dibanding Bank Konvensional - Vibiznews.com<\/title>\n<meta name=\"description\" content=\"Ini dia yang menjadi pertimbangan para nasabah beralih dari bank konvensional ke bank digital, suku bunga yang lebih tinggi. 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