- Promo period 15 August - 10 September 2025
- The promo is valid for all Jago users who registered before August 15, 2025, and does not apply to Jago Syariah users
- Users must use the promo voucher coupon on the Term Deposits page in the Jago app
- Users must top up and create a new Term Deposit to participate in this promotion, with the following criteria:
1 month tenure
TD Amount Tenure Normal Interest Rate Extra Interest Rate Total Interest Rate Promo Cap Rp10,000,000 - Rp99,999,999 1 Month 5.00% p.a. 0.50% p.a. 5.50% p.a. 1000 Rp100,000,000 - Rp499,999,999 1 Month 5.50% p.a. 0.50% p.a. 6.00% p.a. 500 Rp500,000,000 - Rp999,999,999 1 Month 5.75% p.a. 0.50% p.a. 6.25% p.a. 100 >= Rp1,000,000,000 1 Month 6.25% p.a. 0.25% p.a. 6.50% p.a. 50 3 months tenure
TD Amount Tenure Normal Interest Rate Extra Interest Rate Total Interest Rate Promo Cap Rp10,000,000 - Rp99,999,999 3 Months 5.50% p.a. 0.50% p.a. 6.00% p.a. 1000 Rp100,000,000 - Rp499,999,999 3 Months 5.75% p.a. 0.50% p.a. 6.25% p.a. 500 Rp500,000,000 - Rp999,999,999 3 Months 6.00% p.a. 0.50% p.a. 6.50% p.a. 100 >= Rp1,000,000,000 3 Months 6.50% p.a. 0.25% p.a. 6.75% p.a. 50 - The balance that is placed for Deposit should be from other Banks and not from Jago (fresh fund)
- Fresh fund: Calculated based on the difference between the total balance on the day the Deposit is created, minus the total balance recorded 1 day before the promo (Total balance: Sum of balances from all Jago Pockets owned by the customer
Simulation:
The customer A wants to create a Time Deposit worth Rp 10,000,000.
August 14 (1 day before promo): Customer A’s total balance is Rp 8,000,000.
August 15: Customer A tops up fresh funds of Rp 2,000,000. The total overall balance becomes Rp 10,000,000.Fresh funds available for the promo:
Rp 10,000,000 − Rp 8,000,000 = Rp 2,000,000
The user needs to add another Rp 8,000,000 to be able to create a Time Deposit worth Rp 10,000,000.
Therefore, Customer A’s fresh funds do not yet meet the minimum requirement for the promo
- After selecting the voucher coupon, users can see the amount of fresh funds currently available.
- Top-ups and the creation of term deposits on different days during the promo period
- Term Deposits must be made through the Jago application (not applicable for Term Deposits made from GoPay/Gojek application)
- Users may make multiple deposits, provided they comply with the applicable terms and conditions.
- This promo cannot be combined with the Jago top up promo (1 - 31 August 2025) and Jago x Bibit Anniversary
- Users must make a minimum of 1x transaction of any nominal value during the promo period except Jago to Jago transfer and interbank transfer. (Example: top up e-Wallet, QRIS transaction, top up mobile data etc)
Interest and Cashback Calculation
1 month simulation
TD Amount Tenure Normal Interest Rate Extra Interest Rate Total Interest Rate Gross Interest(Normal) Extra Interest Total Rp10,000,000 1 Month 5.00% p.a. 0.50% p.a. 5.50% p.a. Rp41,096 Rp4,110 Rp45,205 Rp250,000,000 1 Month 5.50% p.a. 0.50% p.a. 6.00% p.a. Rp1,130,137 Rp102,740 Rp1,232,877 Rp500,000,000 1 Month 5.75% p.a. 0.50% p.a. 6.25% p.a. Rp2,363,014 Rp205,479 Rp2,568,493 Rp1,000,000,000 1 Month 6.25% p.a. 0.25% p.a. 6.50% p.a. Rp5,136,986 Rp205,479 Rp5,342,466 3 month simulation
TD Amount Tenure Normal Interest Rate Extra Interest Rate Total Interest Rate Gross Interest(Normal) Extra Interest Total Rp10,000,000 3 Months 5.50% p.a. 0.50% p.a. 6.00% p.a. Rp135,616 Rp12,329 Rp147,945 Rp250,000,000 3 Months 5.75% p.a. 0.50% p.a. 6.25% p.a. Rp3,544,521 Rp308,219 Rp3,852,740 Rp500,000,000 3 Months 6.00% p.a. 0.50% p.a. 6.50% p.a. Rp7,397,260 Rp616,438 Rp8,013,699 Rp1,000,000,000 3 Months 6.50% p.a. 0.25% p.a. 6.75% p.a. Rp16,027,397 Rp616,438 Rp16,643,836 * Calculation Simulation using 1 month = 30 days
* Calculation Simulation using 3 month = 90 days
**Savings will not be covered by LPS if the accumulated savings amount (including interest) at one bank exceeds Rp2 billion; and/or the applicable interest rate exceeds the LPS-guaranteed interest rate (click here for further information).
- Deposit that meet the criteria are only Deposit made within 15 August - 10 September 2025
- Promo is available for the first 3,300 term deposit with the following details:
1 month tenure
TD Amount Tenure Normal Interest Rate Extra Interest Rate Total Interest Rate Promo Cap Rp10,000,000 - Rp99,999,999 1 Month 5.00% p.a. 0.50% p.a. 5.50% p.a. 1000 Rp100,000,000 - Rp499,999,999 1 Month 5.50% p.a. 0.50% p.a. 6.00% p.a. 500 Rp500,000,000 - Rp999,999,999 1 Month 5.75% p.a. 0.50% p.a. 6.25% p.a. 100 >= Rp1,000,000,000 1 Month 6.25% p.a. 0.25% p.a. 6.50% p.a. 50 3 months tenure
TD Amount Tenure Normal Interest Rate Extra Interest Rate Total Interest Rate Promo Cap Rp10,000,000 - Rp99,999,999 3 Months 5.50% p.a. 0.50% p.a. 6.00% p.a. 1000 Rp100,000,000 - Rp499,999,999 3 Months 5.75% p.a. 0.50% p.a. 6.25% p.a. 500 Rp500,000,000 - Rp999,999,999 3 Months 6.00% p.a. 0.50% p.a. 6.50% p.a. 100 >= Rp1,000,000,000 3 Months 6.50% p.a. 0.25% p.a. 6.75% p.a. 50 - If the user closes the deposit before the selected tenure, the user will not get the cashback
- If the user chooses the tenure of 1 month, the interest difference equivalent to 0.25 - 0.5% p.a. will be credited as cashback to the main pocket, 30 days after the promo period ends plus a maximum of 7 working days.
- If the user chooses the tenure of 3 months, The interest difference equivalent to 0.25 - 0.5% p.a. will be credited as cashback to the main pocket, 90 days after the promo period ends plus a maximum of 7 working days.
- Promo is not valid for Jago Sharia Users.
- Promo period 15 August - 10 September 2025
- The promo is valid for all Jago users who registered before August 15, 2025, and does not apply to Jago Syariah users
- Users must use the promo voucher coupon on the Term Deposits page in the Jago app
- Users must top up and create a new Term Deposit to participate in this promotion, with the following criteria:
1 month tenure
TD Amount Tenure Normal Interest Rate Extra Interest Rate Total Interest Rate Promo Cap Rp10,000,000 - Rp99,999,999 1 Month 5.00% p.a. 0.50% p.a. 5.50% p.a. 1000 Rp100,000,000 - Rp499,999,999 1 Month 5.50% p.a. 0.50% p.a. 6.00% p.a. 500 Rp500,000,000 - Rp999,999,999 1 Month 5.75% p.a. 0.50% p.a. 6.25% p.a. 100 >= Rp1,000,000,000 1 Month 6.25% p.a. 0.25% p.a. 6.50% p.a. 50 3 months tenure
TD Amount Tenure Normal Interest Rate Extra Interest Rate Total Interest Rate Promo Cap Rp10,000,000 - Rp99,999,999 3 Months 5.50% p.a. 0.50% p.a. 6.00% p.a. 1000 Rp100,000,000 - Rp499,999,999 3 Months 5.75% p.a. 0.50% p.a. 6.25% p.a. 500 Rp500,000,000 - Rp999,999,999 3 Months 6.00% p.a. 0.50% p.a. 6.50% p.a. 100 >= Rp1,000,000,000 3 Months 6.50% p.a. 0.25% p.a. 6.75% p.a. 50 - The balance that is placed for Deposit should be from other Banks and not from Jago (fresh fund)
- Fresh fund: Calculated based on the difference between the total balance on the day the Deposit is created, minus the total balance recorded 1 day before the promo (Total balance: Sum of balances from all Jago Pockets owned by the customer
Simulation:
The customer A wants to create a Time Deposit worth Rp 10,000,000.
August 14 (1 day before promo): Customer A’s total balance is Rp 8,000,000.
August 15: Customer A tops up fresh funds of Rp 2,000,000. The total overall balance becomes Rp 10,000,000.Fresh funds available for the promo:
Rp 10,000,000 − Rp 8,000,000 = Rp 2,000,000
The user needs to add another Rp 8,000,000 to be able to create a Time Deposit worth Rp 10,000,000.
Therefore, Customer A’s fresh funds do not yet meet the minimum requirement for the promo
- After selecting the voucher coupon, users can see the amount of fresh funds currently available.
- Top-ups and the creation of term deposits on different days during the promo period
- Term Deposits must be made through the Jago application (not applicable for Term Deposits made from GoPay/Gojek application)
- Users may make multiple deposits, provided they comply with the applicable terms and conditions.
- This promo cannot be combined with the Jago top up promo (1 - 31 August 2025) and Jago x Bibit Anniversary
- Users must make a minimum of 1x transaction of any nominal value during the promo period except Jago to Jago transfer and interbank transfer. (Example: top up e-Wallet, QRIS transaction, top up mobile data etc)
Interest and Cashback Calculation
1 month simulation
TD Amount Tenure Normal Interest Rate Extra Interest Rate Total Interest Rate Gross Interest(Normal) Extra Interest Total Rp10,000,000 1 Month 5.00% p.a. 0.50% p.a. 5.50% p.a. Rp41,096 Rp4,110 Rp45,205 Rp250,000,000 1 Month 5.50% p.a. 0.50% p.a. 6.00% p.a. Rp1,130,137 Rp102,740 Rp1,232,877 Rp500,000,000 1 Month 5.75% p.a. 0.50% p.a. 6.25% p.a. Rp2,363,014 Rp205,479 Rp2,568,493 Rp1,000,000,000 1 Month 6.25% p.a. 0.25% p.a. 6.50% p.a. Rp5,136,986 Rp205,479 Rp5,342,466 3 month simulation
TD Amount Tenure Normal Interest Rate Extra Interest Rate Total Interest Rate Gross Interest(Normal) Extra Interest Total Rp10,000,000 3 Months 5.50% p.a. 0.50% p.a. 6.00% p.a. Rp135,616 Rp12,329 Rp147,945 Rp250,000,000 3 Months 5.75% p.a. 0.50% p.a. 6.25% p.a. Rp3,544,521 Rp308,219 Rp3,852,740 Rp500,000,000 3 Months 6.00% p.a. 0.50% p.a. 6.50% p.a. Rp7,397,260 Rp616,438 Rp8,013,699 Rp1,000,000,000 3 Months 6.50% p.a. 0.25% p.a. 6.75% p.a. Rp16,027,397 Rp616,438 Rp16,643,836 * Calculation Simulation using 1 month = 30 days
* Calculation Simulation using 3 month = 90 days
**Savings will not be covered by LPS if the accumulated savings amount (including interest) at one bank exceeds Rp2 billion; and/or the applicable interest rate exceeds the LPS-guaranteed interest rate (click here for further information).
- Deposit that meet the criteria are only Deposit made within 15 August - 10 September 2025
- Promo is available for the first 3,300 term deposit with the following details:
1 month tenure
TD Amount Tenure Normal Interest Rate Extra Interest Rate Total Interest Rate Promo Cap Rp10,000,000 - Rp99,999,999 1 Month 5.00% p.a. 0.50% p.a. 5.50% p.a. 1000 Rp100,000,000 - Rp499,999,999 1 Month 5.50% p.a. 0.50% p.a. 6.00% p.a. 500 Rp500,000,000 - Rp999,999,999 1 Month 5.75% p.a. 0.50% p.a. 6.25% p.a. 100 >= Rp1,000,000,000 1 Month 6.25% p.a. 0.25% p.a. 6.50% p.a. 50 3 months tenure
TD Amount Tenure Normal Interest Rate Extra Interest Rate Total Interest Rate Promo Cap Rp10,000,000 - Rp99,999,999 3 Months 5.50% p.a. 0.50% p.a. 6.00% p.a. 1000 Rp100,000,000 - Rp499,999,999 3 Months 5.75% p.a. 0.50% p.a. 6.25% p.a. 500 Rp500,000,000 - Rp999,999,999 3 Months 6.00% p.a. 0.50% p.a. 6.50% p.a. 100 >= Rp1,000,000,000 3 Months 6.50% p.a. 0.25% p.a. 6.75% p.a. 50 - If the user closes the deposit before the selected tenure, the user will not get the cashback
- If the user chooses the tenure of 1 month, the interest difference equivalent to 0.25 - 0.5% p.a. will be credited as cashback to the main pocket, 30 days after the promo period ends plus a maximum of 7 working days.
- If the user chooses the tenure of 3 months, The interest difference equivalent to 0.25 - 0.5% p.a. will be credited as cashback to the main pocket, 90 days after the promo period ends plus a maximum of 7 working days.
- Promo is not valid for Jago Sharia Users.
- The prize tax is borne by Jago.
- This promotion is free of charge.
- Jago has the right to change the Terms & Conditions of this program if deemed necessary by providing information through Jago's website, application and social media accounts.
- Jago has the right to cancel a promotional prize if there is an indication of fraud, unusual activity, or violation of the terms and conditions of this promotion, and/or Bank Service Terms and Conditions Point 8(c) Chapter XVII concerning CLOSING, BLOCKING, TEMPORARY SUSPENSION OF ACCOUNTS.
- Decisions, conditions, or changes to conditions made by Jago cannot be contested.
- By participating in the promotion program, Jago users acknowledge, understand, and agree to all applicable terms and conditions.
- Jago has the right to cancel a promotional prize if there is any indication of fraud or violation of the terms and conditions of the promotion.
- Jago and the customer agree to mutually release and free the other party from all claims, demands, losses, costs that June arise in connection with this program if it occurs due to the negligence of each party.
- These terms and conditions have been made following the provisions of the prevailing laws and regulations, including the regulations of the Financial Services Authority (OJK).
- Should you have any questions, please contact us via the official Jago Customer Care contact numbers at 1500746 or (022) 3000 0746, email us at [email protected], and also our social media channels (Instagram and Twitter) at @tanyajago.
FAQ
This promo starts from 15 August - 10 September 2025.
The promo is valid for all Jago users who registered before August 15, 2025, and does not apply to Jago Syariah users
- Users must use the promo voucher coupon on the Term Deposits page in the Jago app
- Users must top up & create a new Term Deposit and top-up with the following criteria:
1 month tenure
TD Amount Tenure Normal Interest Rate Extra Interest Rate Total Interest Rate Promo Cap Rp10,000,000 - Rp99,999,999 1 Month 5.00% p.a. 0.50% p.a. 5.50% p.a. 1000 Rp100,000,000 - Rp499,999,999 1 Month 5.50% p.a. 0.50% p.a. 6.00% p.a. 500 Rp500,000,000 - Rp999,999,999 1 Month 5.75% p.a. 0.50% p.a. 6.25% p.a. 100 >= Rp1,000,000,000 1 Month 6.25% p.a. 0.25% p.a. 6.50% p.a. 50 3 months tenure
TD Amount Tenure Normal Interest Rate Extra Interest Rate Total Interest Rate Promo Cap Rp10,000,000 - Rp99,999,999 3 Months 5.50% p.a. 0.50% p.a. 6.00% p.a. 1000 Rp100,000,000 - Rp499,999,999 3 Months 5.75% p.a. 0.50% p.a. 6.25% p.a. 500 Rp500,000,000 - Rp999,999,999 3 Months 6.00% p.a. 0.50% p.a. 6.50% p.a. 100 >= Rp1,000,000,000 3 Months 6.50% p.a. 0.25% p.a. 6.75% p.a. 50 - The balance that is placed for Deposit should be from other Banks and not from Jago (fresh fund)
- Fresh fund: Calculated based on the difference between the total balance on the day the Deposit is created, minus the total balance recorded 1 day before the promo (Total balance: Sum of balances from all Jago Pockets owned by the customer)
- Transaction of any nominal value during the promo period. (Example: top up e-Wallet, QRIS transaction, top up mobile data etc)
After selecting the voucher coupon, users can see the amount of fresh funds currently available. Users can top up a certain amount of money so that the fresh funds match the Deposit they wish to create.
Simulation:
The customer A wants to create a Time Deposit worth Rp 10,000,000.
August 14 (1 day before promo): Customer A’s total balance is Rp 8,000,000.
August 15: Customer A tops up fresh funds of Rp 2,000,000. The total overall balance becomes Rp 10,000,000.
Fresh funds available for the promo:
Rp 10,000,000 − Rp 8,000,000 = Rp 2,000,000
The user needs to add another Rp 8,000,000 to be able to create a Time Deposit worth Rp 10,000,000.
Therefore, Customer A’s fresh funds do not yet meet the minimum requirement for the promo
Make sure the user also fulfills the other requirements, which are not closing the Deposit before the end of the term and making at least one transaction.
Valid for more than 1 time per Jago user during the promotion period (15 August - 10 September 2025)
Promo is available for the first 3,300 users with the following details:
1 month tenure
| TD Amount | Tenure | Normal Interest Rate | Extra Interest Rate | Total Interest Rate | Promo Cap |
|---|---|---|---|---|---|
| Rp10,000,000 - Rp99,999,999 | 1 Month | 5.00% p.a. | 0.50% p.a. | 5.50% p.a. | 1000 |
| Rp100,000,000 - Rp499,999,999 | 1 Month | 5.50% p.a. | 0.50% p.a. | 6.00% p.a. | 500 |
| Rp500,000,000 - Rp999,999,999 | 1 Month | 5.75% p.a. | 0.50% p.a. | 6.25% p.a. | 100 |
| >= Rp1,000,000,000 | 1 Month | 6.25% p.a. | 0.25% p.a. | 6.50% p.a. | 50 |
3 months tenure
| TD Amount | Tenure | Normal Interest Rate | Extra Interest Rate | Total Interest Rate | Promo Cap |
|---|---|---|---|---|---|
| Rp10,000,000 - Rp99,999,999 | 3 Months | 5.50% p.a. | 0.50% p.a. | 6.00% p.a. | 1000 |
| Rp100,000,000 - Rp499,999,999 | 3 Months | 5.75% p.a. | 0.50% p.a. | 6.25% p.a. | 500 |
| Rp500,000,000 - Rp999,999,999 | 3 Months | 6.00% p.a. | 0.50% p.a. | 6.50% p.a. | 100 |
| >= Rp1,000,000,000 | 3 Months | 6.50% p.a. | 0.25% p.a. | 6.75% p.a. | 50 |
Jago Term Deposito
How to open a Term Deposit
- On the Pockets page, tap on Create Pocket
- Choose the Term Deposit
- Set the amount you wish to save in your Term Deposit, then choose the term
- Pick one of the maturity settings:
- Auto-withdrawal: Your Term Deposit principal and interest will be automatically transferred to your Main Pocket when matures
- Auto-renewal: You can choose to auto-renew your principal and interest OR principal only, with the same term as previous period
- On the Confirmation page, tap Create Deposit, then input your PIN to create your Term Deposit
- Open your Jago app, tap Pockets. Tap Create Pocket and choose Term Deposit.
- Tap the "Use promo here" banner and see the available promo options.
- Tap on the checkmark on the right side of the promo you'd like to use.
- Continue with the Term Deposit creation process.
- Promo will be applied according to the terms & conditions.
Users will not get a reward if they close their deposit before the tenure they choose.
Users may make multiple deposits, provided they comply with the applicable terms and conditions.
If the user chooses the tenure of 1 month, the cashback will be sent 30 days after the promo period ends plus a maximum of 7 Working Days.
If user X creates a term deposit on 25 August and chooses the tenure of 1 month, cashback will be sent 30 days after 10 September, plus 7 business days.
If the user chooses the tenure of 1 month, the cashback will be sent 90 days after the promo period ends plus a maximum of 7 Working Days.
If user X creates a term deposit on 25 August and chooses the tenure of 3 months, cashback will be sent 90 days after 10 August, plus 7 business days.
Time to Manage Your Money
the Way You Want
Create up to 60 Jago Pockets (bank accounts) without monthly admin fees to start saving, transacting, and managing expenses.
Open a Term Deposit in minutes directly from the app and get competitive interest. Withdraw your Deposit early (if needed) without penalties. Plus, there is a free quota for inter-bank transfers and e-Wallet top-ups up to 150x according to Account Level.
Download Jago :
Grab your smartphone, scan the QR code below to download and register Jago from anywhere and anytime.
