Frequently Asked Questions (FAQ)

UOB Indonesia will implement the adjustment gradually starting 6 May 2026. From that date, accounts with zero balance for six consecutive months will be automatically closed in accordance with the applicable regulations.

The regulations apply to all Savings and Current accounts in UOB Indonesia for both individual and non-individual customers.

Before the implementation:

• Active Account is an account with deposit and/or withdrawal transactions.
• Passive or Dormant Account is an account with no transaction activity such as deposit or withdrawals for six (6) consecutive months or within the period determined by the Bank in accordance with the applicable regulations. 

After the implementation:

• Active Account is an account with transaction activities, including deposits, withdrawals, or balance enquiries.
• Inactive Account is an account with no transaction activity, withdrawals, or balance enquiries for more than 360 (three hundred and sixty) consecutive days.
• Dormant Account is an account with no transaction activity, withdrawals, or balance enquiries for more than 1,800 (one thousand eight hundred) consecutive days. 

Accounts with a zero balance for a maximum of six consecutive months from 6 May 2026 will be automatically closed in accordance with applicable regulations. 

Upon the implementation of POJK No. 24 of 2025:

• Accounts previously classified as Passive or Dormant but meeting exempted criteria will be reclassified as Active accounts.
• Accounts previously classified as Passive or Dormant will be classified as Inactive accounts during the Bank’s system enhancement period.
• Accounts that do not meet the criteria for Active account status will be classified as Inactive accounts.
• Inactive Accounts will be reclassified as Dormant accounts after 1,440 days from the date they become Inactive account.

The implementation of POJK No. 24 of 2025 at UOB Indonesia will begin gradually at UOB Indonesia from 6 May 2026, while the account status stated in the notification letter reflects the status as of 31 March 2026.

Therefore, the letter may still display Passive or Dormant status. Effective 6 May 2026, account status will be updated to Inactive account in accordance with POJK No. 24 of 2025.

No. Certain accounts which will remain classified as Active despite having no transactions for 360 (three hundred and sixty) days, including:

1. Accounts for specific purposes, such as:
   • Credit, escrow, or investment-related accounts;
   • CEP/Payroll accounts. 
2. Accounts with fixed-term features, such as: U-Plan
3. Accounts subject to legal processes or disputes, including: 
   • Inheritance accounts prior to distribution;
   • Accounts blocked by law enforcement authorities.

Inactive Account:

• Withdrawal features will be automatically disabled, preventing fund withdraw through all channels (Teller, ATM, TMRW, PIB, and UOB Infinity);
• The account can still receive incoming funds; and
• Interest and administrative fees will continue to apply in accordance with applicable regulations.

Dormant Account:

• All incoming and outgoing transaction features will be disabled; customers cannot receive or withdraw through any channels;
• Interest and administrative fees will continue to apply in accordance with applicable regulations.

Yes. The funds remain recorded under the customer’s name and will be managed by the Bank for 30 (thirty) years. After that period, the account will be handled in accordance with the prevailing laws and regulations (referring to the Indonesian Civil Code).

The funds will not become the Bank’s property and nor be recognised as Bank income.

Customers must perform at least one of the following activities within 360 (three hundred and sixty) days:

• Balance enquiry at a UOB Indonesia branch offices;
• Cash deposit at a UOB Indonesia branch;
• Fund transfers between accounts under the same customer at UOB Indonesia;
• Cash withdrawal via branch teller or UOB ATM; or
• Fund transfers initiated by the account holder.

Yes. A balance enquiry is considered account activity.

Under POJK No. 24 of 2025, transactions automatically generated by the Bank’s system, such as:

• Interest credit;
• Administrative fees;
• Standing instructions; and
• Auto-debits

Are not considered as customer-initiated activities. Only customer-initiated actions including deposits, withdrawals, or balance enquiries qualify as account activity.

Before 6 May 2026:

• Customers must follow existing reactivation procedures.

After 6 May 2026:

• Reactivation must be requested by the customer;
• Reactivation can be done via a UOB branch or Contact Centre;
• Basic Customer Due Diligence (CDD) process will be conducted and update customer data;
• High risk customers (High Single Factor or High Dual Factor), require Enhanced Due Diligence (EDD) and branch visits.

Dormant Account (after 1,440 days of inactivity): 

• Reactivation must be requested by the customer, only via UOB branch; 
• Completion of reactivation form required;
• Full CDD or EDD required;
• The Bank reserves the right to approve or decline the reactivation request.

Yes. Such accounts continue to earn interest and are subject to administrative fees on a monthly basis, in accordance with applicable product terms and regulations.

However, administrative fees will not cause the account balance to become negative.

Yes. Accounts with a zero balance for six consecutive months from 6 May 2026 will be automatically closed in accordance with the applicable regulations.

If  the account is the primary account linked to a Debit Card, the Card will be blocked and can no longer be used. 

Customers must ensure their account does not remain at a zero balance for six consecutive months.

No. Once closed, an account cannot be reactivated. Customers must open a new account in accordance with the applicable regulations.

No. There are no fees charged for account reactivation.

No. Each account is assessed individually based on its activity and does not affect other accounts.

Example:
Customer has two accounts, account A and account B. Account A has transaction activity, while account B has no activity for 360 days, as a result: 

• Account A will remain Active; and
• Account B will be classified as Inactive on the 361st day and may subsequently be classified as Dormant on the 1,441st day from the date it becomes Inactive.

Certain accounts may be excluded (e.g., credit or investment-linked account), subject to applicable regulations.

During the system transition period, account status may be obtained via:

• UOB Call Center 14008
• UOB Indonesia branch offices

If there is a change in account status (for example, from Active to Inactive or from Inactive to Dormant), customers will be notified through:

• Registed email addresses; or
• Written correspondence to their registered mailing address. 

Customers may contact the following for further assistance:

• UOB Contact Center 14008
• Client Advisor or Relationship Manager
• Nearest UOB Indonesia Branch Office