Questions and Answers:

1. If I use this account, is there any bonus like car, voucher, etc. that I can
get? How many chance? (Rangga Krisna)
Answer:
 By Sang Ayu
Yes, of course. BNI provides an opportunity for BNI Taplus Muda loyal
customers to get prizes. However, customers who are given the opportunity are
customers who periodically conduct transactions via e-Channel. The following
is the mechanism:
Program Period:
• Period I - September 2018 to October 2018.
• Period II - November 2018 to December 2018.
• Period III - January 2019 until February 2019.
e-Channel Applies:
• BNI ATM.
• BNI SMS Banking.
• BNI Mobile Banking.
• BNI Internet Banking.
• EDC BNI.
• YAP.
Program Mechanism:
• Customers and Non-Customers make financial transactions through BNI
channels to get points.
• Points are calculated on successful transactions (failed transactions do not get
points).
• Monthly period 2 winners are determined by the number of points obtained.
Those who are entitled to get prizes are 7 people with the highest points.
• The winner of the Grand Prize is determined by the lottery mechanism.
Gift Type:
• 7 prizes per 2 months.
Prizes Quota per Total Minimum point
period
Honda Brio Satya 1 3 1,000
(E Manual)
iPhone X 2 6 250
Go Pro 7 4 12 100
• 7 Grand Prize Prizes.
Prizes Total Minimum point
BMW 320i Luxury 3 3,000
Piaggio Vespa 6 500

Transaction Type:
 PDAMs, Other Bank Credit Cards, Cellphone / Postpaid Payments,
Internet / TV subscription, Insurance, Transportation Tickets,
Multifinance, PLN, PBB, e-Samsat, Multi Payment.
 Prepaid Purchases / Top Ups, Go-Pay, PLN Tokens.
 Other Bill Payments) * * Points are given only for 5 transactions per
month 2 MPN (Tax / Excise / PNBP), Education, ZIS, BPJS.
 Purchases through BNI EDC 5 Make purchases at EDC BNI uses a
minimum Debit / Credit Card of Rp. 50,000, - / trx.
 Transfer to BNI Account from another Bank Account 15 Minimum Rp.
100,000, - / trx. Each sender and recipient receive 15 points.
 Purchase through YAP 5 Make a purchase using the YAP application
(with a Debit / Credit Card source of funds) a minimum of Rp. 25,000,
- / trx.
Source:
http://bni.co.id/enus/home/promotionevents/promoperbankan/articleid/4430

 By Ketut Sintya
Yes of course, when the customer use BNI TAPLUS MUDA account the
customer can get bonus like car or other. Actually the customer BNI TAPLUS
MUDA account who are actively saving and also the customer diligent to the
transaction through BNI-E Banking. When customer wants to gest bonus like
car there are two bonus program namely national and regional. For the national
category there is a grand prize of 1 Lexus LX570 and 3 Toyota Fortuner, the
bonus will be made at the end of the program period. And the second bonus
program is about regional category will conducted 3 times every 2 months. In
regional category the customer can get 45 Toyota and 507 Honda Scoopy. The
opportunity to get bonus is open to all customer BNI TAPLUS MUDA, the
customer just only need to collect points as possible. There are two ways to get
these points. First, increase the savings balance with an average amount starting
from IDR.1 million in every month. You will get 1 point for every multiple
average balance of IDR 1 million. Second, multiply transactions through BNI
e-Banking services, such as BNI SMS Banking, BNI Internet Banking, BNI
 ATM, BNI Mobile Banking and BNI Phone Banking. The types of transactions
that can be done are top up, pay bills, buy tickets, auto-debit transactions and
transfer between banks. Points can also be obtained by shopping for a minimum
of IDR 50,000, using a BNI Debit Card. Every financial transaction will
produce 1 point.
Source: http://www.bni.co.id/id-id/personal/simpanan/bnitaplusmuda

2. When we want to make Taplus Muda account, should we provide parent

identities or just ourselves identity? (Sri Suari)
Answer:
 By Ayu Anggita
Yes, you should. Parent’s identity is one of the requirements that needed for
opening BNI Taplus Muda account just for teenager 15 – 17 years old who do
not yet have the identity card such as KTP/ SIM. Besides parent’s identity, you
need to enclose a copy of your identity as well such as student card, birth
certificate or passport.

Source : https://www.infoperbankan.com/bni/buka-rekening-tabungan-bni-
taplus-muda-setoran-awal-minimal-rp-100-ribu.html

 By Ketut Sintya
Yes of course, when the customer wants to make account, the customer should
provide parents identity, such as attach a photo copy of the identity of one
parents, because BNI TAPLUS MUDA especially just for teenagers 15-17
years old they have not worked and also the teenagers do not have identity card
such as KTP, so they should provide parents identity.
Source: http://www.bni.co.id/id-id/personal/simpanan/bnitaplusmuda

3. What are the differentiates between mobile banking and SMS banking?
(Lasmi Tirta)
Answer:
 By Natalia
Seen from the media that is used, both of them are same using cellphone. But
the difference of both can be seen as below.

Mobile banking:
1. Using a phone that supports to do an installation of a mobile banking
application.
 2. Do not need to type, just click and click based on the application.

SMS banking:
1. Can use any types of cellphone. Whether it is IOS or Android as long as can
send the messages.

2. Typing in the command code that needed and sent to the number that has
decided by the bank.

Reference: https://banksentral.com/perbedaan-sms-banking-mobile-banking-
dan-internet-banking/

 By Ketut Sintya
BNI Bank account is one of the bank that prioritize service especially for the
customer. In this bank has many service one of the service call BNI SMS
Banking and BNI Mobile banking. Those two facilities in Bank BNI certainly
offer a variety of service for their customer who have high daily mobility.
Furthermore, by using those two service, BNI customer without come to the
bank for transaction. In this service has differences between BNI SMS and BNI
Mobile banking. Actually BNI Mobile banking is an internet banking service
from BNI Bank and the customer can download the application in for Apple the
customer can use App store and for Android the customer can use Google play
store. But in BNI Mobile banking the customer should have internet connection
when the customer wants to transaction, so its very difference for SMS
Banking, in SMS Banking is a service to facilitate the customer conducting
banking transaction without the customer come to the bank also. But when the
customer did not have internet access, the customer still can do transaction in
BNI SMS. In BNI SMS service the customer also can check the information
about transfer to other accounts, check balance, pay bills, and etc.
Source: http://www.bni.co.id/id-id/personal/simpanan/bnitaplusmuda

4. How much the minimum saving of Taplus Muda for the first time? (Alit
Putra)
Answer:
 By Ayu Anggita
Minimum savings for first transaction is IDR 100.000, for the subsequent
savings is minimum IDR 10.000 and deposit it at the counter teller. The detailed
information can be seen in the following table:
 Initial Deposit IDR. 100.000,-

Minimum Subsequent Deposit IDR. 10.000,-

Account Administration fees IDR. 5.000,-

Debit BNI Taplus Muda Card issuance fees Gratis

Replacement of Debit BNI Taplus Muda Card IDR. 25.000,-

charges

Account Closing Charges IDR. 50.000,-

Administration Fee in arrears Maximum 3x

arrears

Fines for below the minimum balance in arrears Maximum 3x

arrears

Card Administration Fee in arrears Maximum 3x

arrears

Source : http://www.bni.co.id/id-id/personal/simpanan/bnitaplusmuda

 By Ketut Sintya
In BNI TAPLUS MUDA, when the customer wants to saving their money in
this bank account, the first time the customer do transaction minimum of IDR
100,000. With the minimum transaction the teenagers can already as a BNI
customer, and also the customer free for save their money anytime and
anywhere they want in BNI TAPLUS MUDA. So this is very good for the
teenagers the first time they learn to save their money.
Source: http://www.bni.co.id/id-id/personal/simpanan/bnitaplusmuda
5. What if we have to make more than 10 million transactions per day?
What is the consideration? (Zandria)
Answer:
 By Sang Ayu

TRANSACTION LIMITS OF BNI TAPLUS MUDA DEDIT CARD

Cash Withdrawal IDR 5 Million/day

Shopping IDR 10 Million/day

Transfer IDR 10 Million/day

External Funds Transfer IDR 10 Million/day

Transaction limits of BNI Taplus Muda Dedit Card are accumulative both
through BNI ATM machines or other bank ATMs, as well as e-banking services
such as Internet Banking and SMS banking. This maximum limit applies 24
hours and customers can make other transactions the next day. If in a state of
urgency, customers can come to the nearest BNI bank and make transactions
through tellers.

Source: https://bni.emingko.com/2017/06/limit-transaksi-untuk-rekening-bni-
taplus-muda.html

6. If we use Taplus Muda, can we use it to top up game voucher? (Diah

Rasmi)
Answer:
 By Sang Ayu
Yes, of course. BNI Taplus Muda has some facilities that can allow customers
to make various types of transactions through e-Channel like BNI SMS
banking, mobile banking BNI and BNI Internet banking. Some of these
facilities can help customers make online transactions in various e-comerces
such as JD.ID, Lazada, Tokopedia, etc including game top-up vouchers.
Source: http://zine-tic.blogspot.com/2016/02/belanja-play-store-vcn-bni.html#
7. Can me make 2 Taplus Muda account for one person? (Agus Suardana)
Answer:
 By Natalia
It cannot. The bank will refuse your request to create two accounts for one
person. Except for the type of account or type of account is different as for the
type of individual or business. It is because, based on the Governor of Bank
Indonesia (BI) said, that until now there are still many double accounts found
in banking and the inaccuracy of customer data throughout Indonesia that
carried out financial services transactions.
Reference: https://boxuang.com/punya-2rekening-nama-sama-1bank.html

 By Ketut Sintya
Actually in BNI Bank there some many facilities, so when the customer wants
to make two account for one person in BNI TAPLUS MUDA it’s very
impossible, why? Because in BNI account all of the facilities just get one
account number for one customer, later on in this account use for transaction
like when the customer wants to transfer money for other people. And also the
customer open new account in each facility that have terms and policies. If the
customer wants to have two accounts, this is possible, it’s just that the customer
has to follow the term and policies in BNI bank, where the two accounts are in
the different categories or facilities. For example, the first account is BNI
TAPLUS MUDA, and then the customer has other account like BNI TAPLUS
BISNIS. So when the customer wants to make two account for one person in
one facilities BNI TAPLUS MUDA it’s impossible.
Source: http://www.bni.co.id/id-id/personal/simpanan/bnitaplusmuda