Bank Woori Saudara Enhances Digital Banking with Promotional Transfer Service

Strategic Digital Initiative

PT Bank Woori Saudara Indonesia 1906 Tbk (BWS) has launched a digital banking promotion campaign titled 'Siap Liburan!' to boost its retail customer penetration. The campaign, running from late December 2025 to 31 January 2026, offers a special online transfer rate of Rp 2,900 per transaction across various digital channels including Internet Banking, Mobile Banking, and ATM services.

Key Features of the Promotion

1. Reduced Transfer Fee: The promotional rate of Rp 2,900 is significantly competitive in the current market
2. Inclusive Eligibility: The offer applies to both existing customers and BWS employees
3. Multi-channel Access: Transactions can be made through Internet Banking, Mobile Banking, and ATM networks
4. Digital Focus: The campaign aims to encourage the use of digital banking channels for everyday financial transactions

Market Impact and Analysis

Analyst Abdul Azis from Kiwoom Sekuritas views this initiative as a demonstration of national banks' commitment to enhancing financial inclusion through digitalization. The reduced fees are expected to attract first-time users, particularly among the younger generation and micro, small, and medium enterprises (MSMEs) that increasingly rely on mobile banking for daily transactions.

Role of BWS Mobile Application

The BWS Mobile application serves as a primary channel for this digital banking initiative. The app enables customers to perform various banking activities, including balance inquiries, fund transfers, and bill payments, thereby enhancing the overall banking experience with greater convenience and flexibility.

Strategic Implications

This campaign represents a strategic move by BWS to strengthen its position in the retail banking segment. By offering competitive transfer costs and easy access through multiple digital platforms, the bank aims to increase transaction frequency and customer loyalty in an increasingly competitive digital banking landscape. The initiative aligns with industry trends that prioritize digital service enhancement to improve customer convenience and operational efficiency.