JAKARTA - The Financial Transaction Reports and Analysis Center (PPATK) took firm steps by temporarily stopping transactions on a number of passive accounts ordomant accounts.
Meanwhile, Dormant's account is a savings account or giro that does not experience transaction activities within a certain period of time, depending on the policies of each bank. Several banks determinedomant status if there are no transactions for 3, 6, to 12 consecutive months.
BRI Bank Corporate Secretary Agustya Hendy Bernadi said that his party is committed to complying with regulations and carrying out what is being a concern of the regulator, in carrying out the termination of transactions on Dormant's account.
In addition, he said that BRI continues to educate customers to use banking services appropriately and safely, including by continuing to actively transact and monitor their accounts, and not abusing accounts for unlawful purposes.
"Customers are also expected to always update contact data so that they can receive notifications on time and maintain communication with BRI," he told VOI, Tuesday, July 29.
He conveyed that to reactivate thedomant account, customers can visit the nearest BRI Work Unit by bringing their identity documents and proof of account ownership.
Bank Mandiri Corporate Secretary M. Ashidiq Iswara said that the parties fully support the steps taken by PPATK in order to strengthen the Anti-Money Laundering regime, Prevention of Terrorism Financing and Prevention of Funding for the Proliferation of Mass Destruction Weapons (PPT APPU and PPSPM) in Indonesia.
He conveyed the steps taken by his party, namely by following up on the instructions for the Temporary Termination of Transactions on a number of passive accounts (domant accounts) managed by the Bank.
"This step is of course taken in protecting the public from the potential misuse of financial assets by irresponsible parties and maintaining the national banking industry so that they continue to gain public trust," he told VOI, Selesa, July 29.
For information, the account that will be used as a boarding house is if the customer does not make any financial transactions, in addition to paying administrative costs, for 180 days.
Meanwhile, transactions in question include withdrawing funds, transferring funds, or paying expenditures, either made through branch offices or online.
In carrying out the PPATK instruction, Ashidiq said that Bank Mandiri had taken the necessary steps in a measured manner and according to internal procedures while still paying attention to aspects of compliance, transparency, and consumer protection.
He added that his party also continues to play an active role in maintaining the integrity of the national financial system and supporting the government's efforts to eradicate the Crime of Money Laundering, Terrorism Financing and Funding for the Proliferation of Mass Destruction Weapons (TPPU, TPPT and PPSPM).
The mechanism for implementing the temporary suspension of transactions refers to the provisions of Law No. 8 of 2010 concerning the Prevention and Eradication of the Crime of Money Laundering.
In line with that, Ashidiq said that Bank Mandiri continues to strive to improve customer transactions through various innovative and comprehensive services, especially through digital banking services.
"We also provide an attractive product activation and promo program for customers through synergies with key business partners," he said.
Previously, the Financial Transaction Reports and Analysis Center (PPATK) took steps to maintain the interests of legal account owners in banking and the integrity of the national financial system, by temporarily stopping transactions ondomant accounts, namely accounts that are not active within a certain period of time.
The Coordinator of the PPATK Public Relations Substance Group, M. Natsir Kongah, said that this step was not without reason, because in the analysis process carried out over the past 5 years, his party found that the widespread use of Dormant accounts that were unknown/from their owners being targets of crime, used to accommodate proceeds from criminal acts, buying and selling accounts, hacking, using nominees as holding accounts, narcotics transactions, corruption, and other crimes.
"Dana pada rekening kormant diambil secara melawan hukum baik oleh internal bank maupun pihak lain dan rekening kormant yang tidak diketahui pemiliknya ( tidak pernah dilakukan penkinian data nasabah). Selain itu, rekening dormant tetap memiliki kewajiban untuk melakukan pembayaran biaya administrasi kepada bank hingga banyak rekena kormant danaanya habis dan ditutup oleh pihak bank," ujarnya.
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 Rp.428,612,372,321.00 without any customer data updating.
Natsir said 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.
According to him, along with the rampant misuse of domestic accounts, and after efforts were made 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.
"PPATK makes efforts to protect customer accounts, of course so that customer rights and interests can be protected, customer money remains safe and 100 percent intact," he said.
Natsir said that 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.
In addition, he said PPATK had asked banks to immediately verify customer data and ensure account reactivation when it was believed the existence of 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.
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He added that since 2020, based on the results of the analysis or the results of the PPATK examination, there have been more than 1 million accounts suspected of being related to criminal acts, and of which more than 150 thousand accounts are nominees.
"Of 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 do not have account transaction activities before they are channeled by illegal funds," he said.
In addition, he conveyed that PPATK also found more than 10 million accounts of social assistance recipients that had not been used for more than 3 years and social assistance funds of Rp2.1 trillion only deposited, so there were indications that the distribution was not on target.
He added that more than 2,000 accounts belonging to government agencies and expenditure treasurer were also found which were declared dormant, with a total fund of Rp. 500 billion, even though functionally, this account should be active and monitored.
"This, if left behind, will have a negative impact on the Indonesian economy, as well as harm the legitimate interests of the owner of the account," he said.
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