Indonesian Banks Enhance Operational Readiness for Nataru Holiday

Comprehensive Cash Reserve Allocation

Major Indonesian banks have made significant preparations for the 2025/2026 Nataru holiday period, anticipating high transaction volumes due to increased mobility. The Ministry of Transportation predicts that approximately 119 million people (42.6% of Indonesia's population) will travel during this period ⁴

Cash Reserve Preparations

1. Bank Central Asia (BCA): Allocated Rp42.1 trillion for the Nataru period (21 Dec 2025 - 4 Jan 2026)
2. Bank Mandiri: Prepared Rp25 trillion (net) from 1 Dec 2025 to 2 Jan 2026, up 5.8% from previous year
3. Bank Rakyat Indonesia (BRI): Allocated Rp21 trillion for the period 25 Dec 2025 - 1 Jan 2026
4. Bank Negara Indonesia (BNI): Prepared Rp19.51 trillion from 22 Dec 2025 to 1 Jan 2026

Enhanced Digital Security Measures

Banks are not only preparing cash reserves but also strengthening their digital security measures. BRI's Director of Information Technology, Saladin D. Effendi, highlighted the increased risk of fraud during peak transaction periods. Common fraud modes include fake travel agencies, non-official accommodation bookings, and phishing attempts through various digital channels ²

Security Tips for Customers

1. Always use official banking channels for transactions
2. Be cautious with unsolicited requests for personal data
3. Monitor transactions regularly through transaction notifications
4. Avoid using public Wi-Fi for banking transactions
5. Keep login credentials and OTPs confidential

Operational Adjustments

Banks have made various operational adjustments to maintain service during the holiday:

1. BRI: Operating limited services on 26 Dec 2025 and 1 Jan 2026
2. BNI: Limited operations at 27 outlets on 26 Dec 2025 and 15 outlets on 1 Jan 2026
3. BCA: Limited operations on 27-28 Dec 2025
4. Bank Mandiri: Maintaining ATM/CRM services throughout the holiday