OJK Implements Standardized Account Management Regulations

New Classification System for Bank Accounts

The Financial Services Authority (OJK) has introduced comprehensive new regulations through POJK No.24/2025 regarding bank account management, establishing a standardized classification system for bank accounts across all national banks ¹

. The regulation categorizes accounts into three distinct types: active accounts showing transactional activity, inactive accounts without transactions for over 360 days, and dormant accounts without activity for more than 1,800 days (5 years) ¹

Source 1

https://finansial.bisnis.com/read/20251221/90/1938524/rekening-tidak-aktif-5-tahun-masuk-kategori-dormant-ini-penjelasan-lengkapnya

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Exemptions for Specific Account Types

Certain account categories are exempt from dormant classification, including basic saving accounts for students, religious savings plans (hajj, umrah, qurban), non-religious savings plans (education, marriage), and customer investment accounts (RDN) ¹

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Source 2

https://finance.detik.com/moneter/d-8270563/simak-jenis-tabungan-yang-nggak-akan-jadi-dormant

. According to Dian Ediana Rae, Head of Banking Supervision at OJK, these exemptions recognize the long-term nature of these savings products ¹

Source 1

https://finansial.bisnis.com/read/20251221/90/1938524/rekening-tidak-aktif-5-tahun-masuk-kategori-dormant-ini-penjelasan-lengkapnya

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Enhanced Regulatory Oversight

The new regulation mandates banks to implement robust account monitoring systems, including account flagging mechanisms, detailed account maintenance policies, and strengthened risk controls through consumer protection principles and anti-fraud strategies ¹

. This regulatory enhancement responds to the growing risk of dormant accounts being misused in digital fraud and financial crimes.

Impact on Banking Sector and Consumers

The standardized account management is expected to bring greater discipline and uniformity to the banking sector while providing consumers with stronger certainty regarding their accounts across different banks. The regulation addresses previous inconsistencies in account handling between banks that often caused customer confusion regarding administrative fees and account management practices.