Advantages and Disadvantages of opening a BNI Taplus Muda Account
Hi digitalkit friends, in this article we will discuss a little about BNI’s Taplus Muda product before opening a savings account. This must be known so that you know the pluses and minuses based on information from the Bank Negara Indonesia website.
What is BNI Taplus Muda?
BNI Taplus Muda is a type of savings product that is intended for those of you aged 17 to 35 years or those who are most suitable are those who are still students or students.
How to Open a Taplus Muda Savings Account
There are two ways to open a BNI bank account that you can do, namely by using the mobile banking application and coming directly to the bank branch office. We recommend based on experience that you come directly to the office because the process is quite short. You need to bring identification cards such as KTP and KK and the rest will be taken care of by customer service and you can collect your account and debit card that day in approximately 20 minutes.
Meanwhile, if you want to open it via mobile/online banking, I think it’s quite complicated, such as filling out an account opening form, uploading a photo of your KTP identity card and filling out an e-statement form. One thing that was complicated for me was uploading a selfie with my ID card with a camera that was not of good quality, whereas the requirement was that the ID photo had to be clearly visible.
Advantages of BNI Taplus Muda Savings
There are so many advantages that I got from the BNI website regarding Taplus Muda and it is proven that this will be felt by prospective customers, from the facilities provided, the very good terms and conditions.
Young Taplus Facilities
You will get E-Banking which can carry out electronic banking transactions such as Mobile banking, Internet Banking, SMS Banking, Phone Banking and BNI ATM. Apart from that, there are also BNI CDM, BNI Cashless and BNI CRM. This is a form of advantage that customers will feel if they open a Taplus Muda savings account.
Taplus Muda Savings Plus Terms
The following are BNI provisions which we feel are also a plus for Taplus Muda savings holders.
First, the initial deposit is only Rp. 100,000 and that will be our account balance. What’s even better, especially for Taplus Muda, the admin fee is only 5,000 per month and there are no outstanding balance rules that apply.
Third, ease the problem of arrears in admin fees which provides 3 opportunities. So the fees will be deducted when you top up your balance in the following month.
BNI Taplus Muda Flowers
This type of BNI savings product also applies a bonus or interest rate (%) pa which will be given to bank customers. The following is a list of interest payments based on the final balance.
< Rp. 1 Million 0.00%
≥ Rp. 1 Million to Rp. 10 Million 0.25%
> Rp. 10 Million to Rp. 50 Million 0.50%
> Rp. 50 Million to Rp. 100 Million 0.75%
> Rp. 100 Million
Transaction Limits
There are 4 forms of transaction limits that pass at BNI Taplus Muda which are an advantage for those of you who have student or student status.
- Cash Withdrawal Rp. 5 Million/day
- Shopping Rp. 10 Million/day
- Transfer Rp. 10 Million/day
- Interbank Transfer Rp. 10 Million/day
Disadvantages of BNI Taplus Muda Savings
In our opinion, there are 2 drawbacks to opening a savings account at Taplus Muda and this only depends on the customers’ how they use it.
- Not having a savings book is one of the disadvantages of Taplus Muda, because this product is suitable for students, it could be said that this is not too much of a problem. However, for other people who are not over 35 years old and have other statuses, it can certainly be an obstacle, for example applying for a credit card, bank loan and/or mortgage.
- It is not really a suggestion to open a Taplus Muda savings account for young people who are not students, because the transaction and withdrawal limits are quite low. For young entrepreneurs (25-35 years old) of course they need transaction limits which we feel are above the average for young Taplus. So it’s better to choose another BNI product!
Conclusion
So, the many advantages of Taplus Muda are that it is very, very good to use for pupils and students with relatively low monthly admin fees compared to other BNI products and the availability of E-Banking which certainly makes it easier for young people to carry out transactions just from the palm of their hand.