Bale by BTN Grows Rapidly in 2025, Number of Users Reaches 3.6 Million

BTN (Photo: BTN Website)

JAKARTA - PT Bank Tabungan Negara (Persero) Tbk (BTN) recorded positive performance through the Bale by BTN superapp with the number of users increasing from around 1.8 million in 2024 to more than 3.6 million users in 2025, or growing by around 102 percent year on year (year on year/yoy).

In terms of activity, the number of transactions also experienced rapid growth, from around 1.2 billion transactions in 2024 to more than 2.2 billion transactions in 2025, or grew by around 79 percent (yoy).

Meanwhile, the value of transactions recorded through Bale increased from around Rp80 trillion in 2024 to more than Rp101 trillion in 2025, or an increase of around 25 percent (yoy).

Meanwhile, Bale's contribution in raising cheap funds also showed an increase, namely the retail Third Party Fund (DPK) raised through Bale increased from around Rp. 17 trillion in 2024 to Rp. 21.63 trillion in 2025.

In addition, Bale user customers have an average balance up to 6.4 times higher than non-user customers, so Bale is one of the main drivers of BTN CASA growth.

BTN President Director Nixon LP Napitupulu said that Bale by BTN has an important role in strengthening relationships with customers through services that are relevant to daily needs.

"Bale by BTN we developed to strengthen BTN's relationship with customers through daily transactions, not only during financing. This is part of BTN's transformation to be more relevant to people's financial needs," said Nixon in his statement, quoted Monday, March 30.

Similarly, Senior Executive Vice President of Digital Business at BTN Thomas Wahyudi said Bale's growth was driven by the strengthening of an increasingly broad and integrated digital ecosystem.

"Bale by BTN we develop as a superapp that connects various customer needs, ranging from banking transactions, housing financing, to lifestyle needs," said Thomas.

Currently, Bale has been integrated with various services such as Bale Properti, Bale Merchant, Bale Bisnis, Bale Agen, to Bale Community, which strengthens BTN's position in building a comprehensive financial ecosystem.

As part of strengthening the ecosystem, BTN also presents Bale Wisata, which facilitates customer travel needs through easy access to transportation tickets, tourist destinations, and hotel accommodations on one platform.

Through Bale Wisata, BTN presents various attractive offers, including discounts on tourist tickets of up to hundreds of thousands of rupiah, transportation ticket promotions such as trains and fast trains, as well as a program bundling tourist destination tickets and hotels in various cities in Indonesia.

The development of Bale Wisata is not only enriching the service features, but also becoming part of BTN's contribution in supporting the national tourism sector which is one of the drivers of economic growth and Gross Domestic Product (GDP).

In the midst of global geopolitical dynamics, the domestic tourism sector is one of the strategic opportunities to encourage economic growth. The government through the Ministry of Tourism and Creative Economy encourages people to travel within the country through the #DiIndonesiaAja and #WonderfulIndonesia campaigns.

BTN sees this momentum as an opportunity to strengthen its role in the domestic economic ecosystem, as well as expand customer engagement through more relevant services.

"Through Bale Wisata, we not only provide transaction convenience, but also want to be part of the domestic economic movement by encouraging people to travel in Indonesia," said Thomas.

Entering 2026, BTN targets the number of Bale by BTN users to reach more than 6 million users, supported by the development of more than 68 new features and service enhancements to strengthen customer experience.

In addition, BTN will also strengthen various acquisition and engagement programs, including cooperation with merchants, the lifestyle sector, to the organization of national events such as the Indonesia Coffee Expo 2026 through the Bale Ngopi initiative.

With this strategy, Bale by BTN is expected not only to be a transaction platform, but also to be a growth engine for cheap funds, strengthening customer relationships, and BTN's entry into the digital ecosystem and the lifestyle of Indonesian people.