Tabungan Bunga Harian

One account with a variety of benefits

TBH is an individual savings account denominated in IDR that is available specifically for individual customers, with a variety of benefits.


- Initial deposit of IDR500,000
- Competitive interest rate in which calculated based on end of day daily balance
- Convenient transactions in more than 180,000 Debit Prima/BCA network and more than 40,000 ATM across Indonesia (Transaction can only be done in local currency and for Individual Account).
  • Free of charge for all transactions through ATM Commonwealth network
  • Free 10 (ten) cash withdrawal transactions through ATM Bersama and Prima network for minimum average balance of IDR 10,000,000 per month
  • Free debit card transaction fee through Debit Prima/BCA network in Indonesia and Maestro Debit abroad
- Convenience in transaction through Internet/Mobile Banking with discount for transaction fee including:
  • Free real-time transfer between banks in Indonesia through Internet/Mobile Banking
  • Free transfer fee using SKN
  • 50% off transfer fee using RTGS
  • 50% off foreign currencies transfer fee using SWIFT
  • 50% off subscription fee of the mutual fund products
- Receive variety of exciting Prizes by redeeming TBH Point reward. TBH point reward catalog can be accessed in here
- Passbook for ease of checking all your transactions

Risk of Product
The risks attached to this savings product is the change of fees and interest rates that can be done at anytime and it will be informed to customers through branches, website or other media deemed appropriate by the Bank.

Procedures and Requirements
Opening an account can be done at the nearest Commonwealth Bank branch by completing and signing the account opening application form and providing the required documents

Document Requirement:

Resident : Valid ID (KTP) and Tax Registration (NPWP)
Non Resident : Passport; and KIMS/ KITAS/ Reference Letter from company registered as Bank Commonwealth customer/ Reference Letter from CBA, Tax Registration and other supporting document refer to Term and Condition Applied in PT Bank Commonwealth.

Fees and Charges*

Description Fee
Initial deposit  IDR 500,000,-
Minimum average balance IDR 100,000,-
Monthly administration IDR 10,000,-
Below minimum average balance fee**  IDR 10,000,-
Hold balance  IDR 100,000,-
Stamp duty  In accordance to the prevailing regulations.
Stamp duty is charged per CIF, not per account
Closing account fee  IDR 50,000,- 

*Fees and Charges is subject to change and it will be informed to customers through media deemed appropriate by the Bank

If you have auto debit facility on Commonwealth Bank (for example: AutoInvest, loan installment, standing instruction, standing order, etc), please ensure that your accounts have sufficient balance to cover the monthly fees and auto debit facilities.

Interest Rate Calculation
Interest is calculated based on end of day balance according to the prevailing interest rate. Interest rate table can be access in here

Product Expiration
The expiry of the product will be when customer or Bank closes the account.

Product Issuer
This Product issued by PT Bank Commonwealth and guaranteed by Indonesia Deposit Insurance Cooperation/Lembaga Penjamin Simpanan ("LPS")***

***If the value of total deposit exceeds maximum value/if the interest rate of deposit exceeds interest rate of Indonesia Deposit Insurance Cooperation/Lembaga Penjamin Simpanan ("LPS"), deposit is not included and/or shall not be guaranteed by LPS in Deposit Insurance Scheme/Program Penjaminan Simpanan.