PPATK Has Opened 31 Million Unemployed Accounts Worth IDR 6 Trillion In The Last 5 Years

JAKARTA - The Financial Transaction Reports and Analysis Center (PPATK) revealed that in the last five years, it has opened 31 million unemployed or unused accounts (dormant) with a total value of Rp. 6 trillion.

"It has been 31 million accounts of Kimman above 5 years that PPATK has opened with a value of Rp. 6 trillion," said PPATK Public Relations Substance Group Coordinator M Natsir Kongah to VOI, Thursday, July 31.

He added that most of these accounts have now returned to being active.

Previously, he said that PPATK in the analysis process which had been carried out for the past 5 years, found the widespread use of domestic accounts that were not known/disadjared that their owners were targets of crime, used to accommodate proceeds from criminal acts, buying and selling accounts, hacking, using nominees as holding accounts, narcotics transactions, and corruption.

Natsir added that there were other crimes, namely that the funds on the dormant account were taken illegally by both the bank's internal and other parties and the Kimmant account, which was not known to the owner or had never been recorded by the customer's data updating.

In addition, he said that the Rummant account still has an obligation to pay administrative costs to banks so that many accounts of the mortgage funds run out and are closed by the bank.

Meanwhile, PPATK found that many accounts were inactive and there were even more than 140 thousand domestic accounts for more than 10 years, with a value of IDR 428,612,372,321 without any customer data updating.

According to him, this opens up a big gap for money laundering and other crimes, which will harm the interests of the community or even the Indonesian economy in general.

He conveyed that along with the rampant misuse of domestic accounts, as well as after efforts to obtain customer data, based on data obtained from banks in February 2025, on May 15, 2025, PPATK temporarily suspended transactions on accounts categorized as Dormant.

Natsir explained that PPATK is making efforts to protect customer accounts, of course so that customer rights and interests can be protected by customer money and 100 percent intact.

"The main goal is to encourage banks and account owners to re-verify and ensure that accounts and customer rights are protected and not misused for various crimes," he said.

He said that PPATK had asked banks to immediately verify customer data and ensure account reactivation when it was believed that there were customers and account ownership of the customer concerned.

According to him, updating customer data needs to be done in accordance with applicable regulations, so as not to harm legitimate customers and maintain the economy and integrity of the Indonesian financial system.

He explained that since 2020, based on the results of the Analysis or Results of the PPATK Examination, there have been more than 1 million accounts analyzed by PPATK which are suspected to be related to criminal acts.

As for the 1 million accounts, there are more than 150 thousand accounts that are nominees, of which the accounts are obtained from account buying and selling activities, hacking or other things against the law, which are then used to accommodate funds from the proceeds of criminal acts, which then become inactive/dormant, and more than 50,000 accounts have no account transaction activities before they are channeled by illegal funds.

Natsir said that PPATK found more than 10 million accounts of recipients of social assistance that had not been used for more than 3 years.

In addition, he said that there were social assistance funds of Rp. 2.1 trillion, only deposited, from here there were indications that the distribution was not on target.

"It was also found that more than 2,000 accounts belonging to government agencies and expenditure treasurer were declared dormant, with a total fund of Rp. 500 billion. Whereas functionally, this account should be active and monitored," he explained.

According to him, if this is ignored, it will have a negative impact on the Indonesian economy, as well as harm the legitimate interests of the owner of the account.