- Promo period 14 August - 31 August 2026
- The promo is valid for all Jago users but does not apply to Jago Syariah users (The promotion does not apply to Jago users who registered through the Gojek application after August 13, 2026.)
- The promo is available for creating 1-month and 3-month tenure time deposits
- Users must use the promo voucher coupon on the Term Deposits page in the Jago app. Click here to view the steps for using a voucher coupon.
- Users must top up and create a new Term Deposit to participate in this promotion, with the following criteria:
- The balance placed in a Deposit must come entirely from other banks (fresh funds) and not from Jago
- Fresh fund for 1st Term Deposit calculated based on the difference between the total balance on the day the Deposit is created, minus the total balance recorded on the promo reference date (13 August) (Total balance: Sum of balances from all Jago Pockets owned by the customer)
- Fresh funds calculation for the 2nd and subsequent Term Deposits = total balance on the date of Term Deposit creation - total balance recorded on the promo reference date (13 August) - total principal amount of the previous Term Deposit(s) using the same promo
- 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.
- 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)
- Deposit that meet the criteria are only Deposit made within 14 August - 31 August 2026
- Promo is available for all Bank Jago users with the following details:
- Deposit that meet the criteria are only Deposit made within 14 - 31 August 2026
- The promo is available for the first 3,820 deposits, with the details as follows:
- If the user closes the deposit before the selected tenure, the user will not get the cashback and interest
- If the user chooses a 1-month tenor, the interest differential equivalent is 0.25% p.a. - 0.75% p.a. will be credited as cashback to their Main Pocket (Kantong Utama), 30 days after the promo period ends plus a maximum of 7 Working Days.
- If the user chooses a 3-month tenor, the interest differential equivalent is 0.25% p.a. - 1.85% p.a. will be credited as cashback to their Main Pocket (Kantong Utama), 90 days after the promo period ends plus a maximum of 7 Working Days.
- This promo is not applicable to Jago Syariah customers.
1 Month Tenure
| Deposito | Tenure | Normal Interest Rate | Extra cashback | Total benefit | Quota |
|---|---|---|---|---|---|
| Rp10,000,000 - Rp99,999,999 | 1 Month | 5.00% p.a | 0.25% p.a | 5.25% p.a | 1000 |
| Rp100,000,000 - Rp499,999,999 | 1 Month | 5.50% p.a | 0.25% p.a | 5.75% p.a | 750 |
| Rp500,000,000 - Rp999,999,999 | 1 Month | 5.75% p.a | 0.75% p.a | 6.50% p.a | 300 |
| Rp1,000,000,000 - Rp5,000,000,000 | 1 Month | 6.25% p.a | 0.75% p.a | 7.00% p.a | 50 |
3 Months Tenure
| Deposito | Tenure | Normal Interest Rate | Extra cashback | Total benefit | Quota |
|---|---|---|---|---|---|
| Rp10,000,000 - Rp99,999,999 | 3 Months | 5.50% p.a | 0.25% p.a | 5.75% p.a | 1000 |
| Rp100,000,000 - Rp499,999,999 | 3 Months | 5.75% p.a | 0.25% p.a | 6.00% p.a | 500 |
| Rp500,000,000 - Rp999,999,999 | 3 Months | 6.00% p.a | 0.75% p.a | 6.75% p.a | 200 |
| Rp1,000,000,000 - Rp5,000,000,000 | 3 Months | 6.25% p.a | 1.85% p.a | 8.10% p.a | 20 |
*Savings will not be covered by LPS if the total deposit amount (including interest) exceeds Rp2 billion per customer per bank; and/or the applicable interest rate exceeds the LPS Deposit Insurance Rate (click here for further information). The interest rate provided includes the money given by the Bank to the Customer.
Simulation of Interest and Bonus Calculations
| Deposito Amount | Tenure | Normal Interest Rate | Extra cashback | Total benefit | Interest (Gross) | Extra cashback | Total |
|---|---|---|---|---|---|---|---|
| Rp10,000,000 | 1 Month | 5.00% p.a | 0.25% p.a | 5.25% p.a | Rp41,096 | Rp2,055 | Rp43,151 |
| Rp250,000,000 | 1 Month | 5.50% p.a | 0.25% p.a | 5.75% p.a | Rp1,130,137 | Rp51,370 | Rp1,181,507 |
| Rp500,000,000 | 1 Month | 5.75% p.a | 0.75% p.a | 6.50% p.a | Rp2,363,014 | Rp308,219 | Rp2,671,233 |
| Rp1,000,000,000 | 1 Month | 6.25% p.a | 0.75% p.a | 7.00% p.a | Rp5,136,986 | Rp616,438 | Rp5,753,425 |
| Rp10,000,000 | 3 Months | 5.50% p.a | 0.25% p.a | 5.75% p.a | Rp135,616 | Rp6,164 | Rp141,781 |
| Rp250,000,000 | 3 Months | 5.75% p.a | 0.25% p.a | 6.00% p.a | Rp3,544,521 | Rp154,110 | Rp3,698,630 |
| Rp500,000,000 | 3 Months | 6.00% p.a | 0.75% p.a | 6.75% p.a | Rp7,397,260 | Rp924,658 | Rp8,321,918 |
| Rp1,000,000,000 | 3 Months | 6.25% p.a | 1.85% p.a | 8.10% p.a | Rp15,410,959 | Rp4,561,644 | Rp19,972,603 |
*Simulation is based on a calculation of 1 month = 30 days
**Savings will not be covered by LPS if the total deposit amount (including interest) exceeds Rp2 billion per customer per bank; and/or the applicable interest rate exceeds the LPS Deposit Insurance Rate (click here for further information). The interest rate provided includes the money given by the Bank to the Customer.
User X (ELIGIBLE for Cashback ✅)
* Balance (1 day prior to promo): IDR 10,000,000
* Deposit Amount: IDR 100,000,000
* Balance at Deposit Creation: IDR 110,000,000
* Fresh Fund Calculation: IDR 110,000,000 − IDR 10,000,000 = IDR 100,000,000
* Result: Eligible, because the incoming Fresh Fund is exactly IDR 100 million, matching the created deposit amount.
User Y (NOT ELIGIBLE for Cashback ❌
* Balance (1 day prior to promo): IDR 20,000,000
* Deposit Amount: IDR 100,000,000
* Balance at Deposit Creation: IDR 100,000,000
* Fresh Fund Calculation: IDR 100,000,000 − IDR 20,000,000 = IDR 80,000,000
* Result: Not Eligible, because the incoming Fresh Fund is only IDR 80 million. The remaining IDR 20 million for the deposit used existing/old funds.
User Z (NOT ELIGIBLE for Cashback ❌)
* Balance (1 day prior to promo): IDR 200,000,000
* Deposit Amount: IDR 100,000,000
* Balance at Deposit Creation: IDR 200,000,000
* Fresh Fund Calculation: IDR 200,000,000 − IDR 200,000,000 = IDR 0
* Result: Not Eligible, because there was no addition of Fresh Funds to Jago. The IDR 100 million deposit purely transferred previously existing funds.
1 Month Tenure
| Deposito | Tenure | Normal Interest Rate | Extra cashback | Total benefit | Quota |
|---|---|---|---|---|---|
| Rp10,000,000 - Rp99,999,999 | 1 Month | 5.00% p.a | 0.25% p.a | 5.25% p.a | 1000 |
| Rp100,000,000 - Rp499,999,999 | 1 Month | 5.50% p.a | 0.25% p.a | 5.75% p.a | 750 |
| Rp500,000,000 - Rp999,999,999 | 1 Month | 5.75% p.a | 0.75% p.a | 6.50% p.a | 300 |
| Rp1,000,000,000 - Rp5,000,000,000 | 1 Month | 6.25% p.a | 0.75% p.a | 7.00% p.a | 50 |
3 Months Tenure
| Deposito | Tenure | Normal Interest Rate | Extra cashback | Total benefit | Quota |
|---|---|---|---|---|---|
| Rp10,000,000 - Rp99,999,999 | 3 Months | 5.50% p.a | 0.25% p.a | 5.75% p.a | 1000 |
| Rp100,000,000 - Rp499,999,999 | 3 Months | 5.75% p.a | 0.25% p.a | 6.00% p.a | 500 |
| Rp500,000,000 - Rp999,999,999 | 3 Months | 6.00% p.a | 0.75% p.a | 6.75% p.a | 200 |
| Rp1,000,000,000 - Rp5,000,000,000 | 3 Months | 6.25% p.a | 1.85% p.a | 8.10% p.a | 20 |
- Promo period 14 August - 31 August 2026
- The promo is valid for all Jago users but does not apply to Jago Syariah users (The promotion does not apply to Jago users who registered through the Gojek application after August 13, 2026.)
- Users must use the promo voucher coupon on the Term Deposits page in the Jago app. Click here to view the steps for using a voucher coupon.
- Users must top up and create a new Term Deposit to participate in this promotion, with the following criteria:
- The balance placed in a Deposit must come entirely from other banks (fresh funds) and not from Jago
- Fresh fund for 1st Term Deposit calculated based on the difference between the total balance on the day the Deposit is created, minus the total balance recorded on the promo reference date (13 August) (Total balance: Sum of balances from all Jago Pockets owned by the customer)
- Fresh funds calculation for the 2nd and subsequent Term Deposits = total balance on the date of Term Deposit creation - total balance recorded on the promo reference date (13 August) - total principal amount of the previous Term Deposit(s) using the same promo
- 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 must complete at least 1 (one) transaction of any amount during the promo period, excluding transfers to other Jago accounts or interbank transfers. (e.g., e-Wallet top-ups, QRIS payments, purchasing data packages, etc.
- Deposit that meet the criteria are only Deposit made within 14 August - 31 August 2026
- The promo is available for the first 3,820 deposits, with the details as follows:
- If the user closes the deposit before the selected tenure, the user will not get the cashback and interest
- If the user chooses a 1-month tenor, the interest differential equivalent is 0.25% p.a. - 0.75% p.a. will be credited as cashback to their Main Pocket (Kantong Utama), 30 days after the promo period ends plus a maximum of 7 Working Days.
- If the user chooses a 3-month tenor, the interest differential equivalent is 0.25% p.a. - 1.85% p.a. will be credited as cashback to their Main Pocket (Kantong Utama), 90 days after the promo period ends plus a maximum of 7 Working Days.
- This promo is not applicable to Jago Syariah customers.
- 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 may 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.
1 Month Tenure
| Deposito | Tenure | Normal Interest Rate | Extra cashback | Total benefit | Quota |
|---|---|---|---|---|---|
| Rp10,000,000 - Rp99,999,999 | 1 Month | 5.00% p.a | 0.25% p.a | 5.25% p.a | 1000 |
| Rp100,000,000 - Rp499,999,999 | 1 Month | 5.50% p.a | 0.25% p.a | 5.75% p.a | 750 |
| Rp500,000,000 - Rp999,999,999 | 1 Month | 5.75% p.a | 0.75% p.a | 6.50% p.a | 300 |
| Rp1,000,000,000 - Rp5,000,000,000 | 1 Month | 6.25% p.a | 0.75% p.a | 7.00% p.a | 50 |
3 Months Tenure
| Deposito | Tenure | Normal Interest Rate | Extra cashback | Total benefit | Quota |
|---|---|---|---|---|---|
| Rp10,000,000 - Rp99,999,999 | 3 Months | 5.50% p.a | 0.25% p.a | 5.75% p.a | 1000 |
| Rp100,000,000 - Rp499,999,999 | 3 Months | 5.75% p.a | 0.25% p.a | 6.00% p.a | 500 |
| Rp500,000,000 - Rp999,999,999 | 3 Months | 6.00% p.a | 0.75% p.a | 6.75% p.a | 200 |
| Rp1,000,000,000 - Rp5,000,000,000 | 3 Months | 6.25% p.a | 1.85% p.a | 8.10% p.a | 20 |
Simulation of Interest and Bonus Calculations
| Deposito Amount | Tenure | Normal Interest Rate | Extra cashback | Total benefit | Interest (Gross) | Extra cashback | Total |
|---|---|---|---|---|---|---|---|
| Rp10,000,000 | 1 Month | 5.00% p.a | 0.25% p.a | 5.25% p.a | Rp41,096 | Rp2,055 | Rp43,151 |
| Rp250,000,000 | 1 Month | 5.50% p.a | 0.25% p.a | 5.75% p.a | Rp1,130,137 | Rp51,370 | Rp1,181,507 |
| Rp500,000,000 | 1 Month | 5.75% p.a | 0.75% p.a | 6.50% p.a | Rp2,363,014 | Rp308,219 | Rp2,671,233 |
| Rp1,000,000,000 | 1 Month | 6.25% p.a | 0.75% p.a | 7.00% p.a | Rp5,136,986 | Rp616,438 | Rp5,753,425 |
| Rp10,000,000 | 3 Months | 5.50% p.a | 0.25% p.a | 5.75% p.a | Rp135,616 | Rp6,164 | Rp141,781 |
| Rp250,000,000 | 3 Months | 5.75% p.a | 0.25% p.a | 6.00% p.a | Rp3,544,521 | Rp154,110 | Rp3,698,630 |
| Rp500,000,000 | 3 Months | 6.00% p.a | 0.75% p.a | 6.75% p.a | Rp7,397,260 | Rp924,658 | Rp8,321,918 |
| Rp1,000,000,000 | 3 Months | 6.25% p.a | 1.85% p.a | 8.10% p.a | Rp15,410,959 | Rp4,561,644 | Rp19,972,603 |
*Simulation is based on a calculation of 1 month = 30 days
**Savings will not be covered by LPS if the total deposit amount (including interest) exceeds Rp2 billion per customer per bank; and/or the applicable interest rate exceeds the LPS Deposit Insurance Rate (click here for further information). The interest rate provided includes the money given by the Bank to the Customer.
User X (ELIGIBLE for Cashback ✅)
* Balance (1 day prior to promo): IDR 10,000,000
* Deposit Amount: IDR 100,000,000
* Balance at Deposit Creation: IDR 110,000,000
* Fresh Fund Calculation: IDR 110,000,000 − IDR 10,000,000 = IDR 100,000,000
* Result: Eligible, because the incoming Fresh Fund is exactly IDR 100 million, matching the created deposit amount.
User Y (NOT ELIGIBLE for Cashback ❌
* Balance (1 day prior to promo): IDR 20,000,000
* Deposit Amount: IDR 100,000,000
* Balance at Deposit Creation: IDR 100,000,000
* Fresh Fund Calculation: IDR 100,000,000 − IDR 20,000,000 = IDR 80,000,000
* Result: Not Eligible, because the incoming Fresh Fund is only IDR 80 million. The remaining IDR 20 million for the deposit used existing/old funds.
User Z (NOT ELIGIBLE for Cashback ❌)
* Balance (1 day prior to promo): IDR 200,000,000
* Deposit Amount: IDR 100,000,000
* Balance at Deposit Creation: IDR 200,000,000
* Fresh Fund Calculation: IDR 200,000,000 − IDR 200,000,000 = IDR 0
* Result: Not Eligible, because there was no addition of Fresh Funds to Jago. The IDR 100 million deposit purely transferred previously existing funds.
1 Month Tenure
| Deposito | Tenure | Normal Interest Rate | Extra cashback | Total benefit | Quota |
|---|---|---|---|---|---|
| Rp10,000,000 - Rp99,999,999 | 1 Month | 5.00% p.a | 0.25% p.a | 5.25% p.a | 1000 |
| Rp100,000,000 - Rp499,999,999 | 1 Month | 5.50% p.a | 0.25% p.a | 5.75% p.a | 750 |
| Rp500,000,000 - Rp999,999,999 | 1 Month | 5.75% p.a | 0.75% p.a | 6.50% p.a | 300 |
| Rp1,000,000,000 - Rp5,000,000,000 | 1 Month | 6.25% p.a | 0.75% p.a | 7.00% p.a | 50 |
3 Months Tenure
| Deposito | Tenure | Normal Interest Rate | Extra cashback | Total benefit | Quota |
|---|---|---|---|---|---|
| Rp10,000,000 - Rp99,999,999 | 3 Months | 5.50% p.a | 0.25% p.a | 5.75% p.a | 1000 |
| Rp100,000,000 - Rp499,999,999 | 3 Months | 5.75% p.a | 0.25% p.a | 6.00% p.a | 500 |
| Rp500,000,000 - Rp999,999,999 | 3 Months | 6.00% p.a | 0.75% p.a | 6.75% p.a | 200 |
| Rp1,000,000,000 - Rp5,000,000,000 | 3 Months | 6.25% p.a | 1.85% p.a | 8.10% p.a | 20 |
FAQ
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
| Deposito | Tenure | Normal Interest Rate | Extra cashback | Total benefit | Quota |
|---|---|---|---|---|---|
| Rp10,000,000 - Rp99,999,999 | 1 Month | 5.00% p.a | 0.25% p.a | 5.25% p.a | 1000 |
| Rp100,000,000 - Rp499,999,999 | 1 Month | 5.50% p.a | 0.25% p.a | 5.75% p.a | 750 |
| Rp500,000,000 - Rp999,999,999 | 1 Month | 5.75% p.a | 0.75% p.a | 6.50% p.a | 300 |
| Rp1,000,000,000 - Rp5,000,000,000 | 1 Month | 6.25% p.a | 0.75% p.a | 7.00% p.a | 50 |
3 month tenure
| Deposito | Tenure | Normal Interest Rate | Extra cashback | Total benefit | Quota |
|---|---|---|---|---|---|
| Rp10,000,000 - Rp99,999,999 | 3 Months | 5.50% p.a | 0.25% p.a | 5.75% p.a | 1000 |
| Rp100,000,000 - Rp499,999,999 | 3 Months | 5.75% p.a | 0.25% p.a | 6.00% p.a | 500 |
| Rp500,000,000 - Rp999,999,999 | 3 Months | 6.00% p.a | 0.75% p.a | 6.75% p.a | 200 |
| Rp1,000,000,000 - Rp5,000,000,000 | 3 Months | 6.25% p.a | 1.85% p.a | 8.10% p.a | 20 |
*Savings will not be covered by LPS if the total deposit amount (including interest) exceeds Rp2 billion per customer per bank; and/or the applicable interest rate exceeds the LPS Deposit Insurance Rate (click here for further information). The interest rate provided includes the money given by the Bank to the Customer.
The balance placed in a Deposit must come entirely from other banks (fresh funds) and not from Jago
Fresh fund for 1st Term Deposit calculated based on the difference between the total balance on the day the Deposit is created, minus the total balance recorded on the promo reference date (13 August) (Total balance: Sum of balances from all Jago Pockets owned by the customer)
Fresh funds calculation for the 2nd and subsequent Term Deposits = total balance on the date of Term Deposit creation - total balance recorded on the promo reference date (13 August) - total principal amount of the previous Term Deposit(s) using the same promo
User X (ELIGIBLE for Cashback ✅)
* Balance (1 day prior to promo): IDR 10,000,000
* Deposit Amount: IDR 100,000,000
* Balance at Deposit Creation: IDR 110,000,000
* Fresh Fund Calculation: IDR 110,000,000 − IDR 10,000,000 = IDR 100,000,000
* Result: Eligible, because the incoming Fresh Fund is exactly IDR 100 million, matching the created deposit amount.
User Y (NOT ELIGIBLE for Cashback ❌)
* Balance (1 day prior to promo): IDR 20,000,000
* Deposit Amount: IDR 100,000,000
* Balance at Deposit Creation: IDR 100,000,000
* Fresh Fund Calculation: IDR 100,000,000 − IDR 20,000,000 = IDR 80,000,000
* Result: Not Eligible, because the incoming Fresh Fund is only IDR 80 million. The remaining IDR 20 million for the deposit used existing/old funds.
User Z (NOT ELIGIBLE for Cashback ❌)
* Balance (1 day prior to promo): IDR 200,000,000
* Deposit Amount: IDR 100,000,000
* Balance at Deposit Creation: IDR 200,000,000
* Fresh Fund Calculation: IDR 200,000,000 − IDR 200,000,000 = IDR 0
* Result: Not Eligible, because there was no addition of Fresh Funds to Jago. The IDR 100 million deposit purely transferred previously existing funds.
Users must complete at least 1 (one) transaction of any amount during the promo period. (e.g., e-Wallet top-ups, QRIS payments, purchasing data packages, etc.)
1 Month Tenure
| Deposito | Tenure | Normal Interest Rate | Extra cashback | Total benefit | Quota |
|---|---|---|---|---|---|
| Rp10,000,000 - Rp99,999,999 | 1 Month | 5.00% p.a | 0.25% p.a | 5.25% p.a | 1000 |
| Rp100,000,000 - Rp499,999,999 | 1 Month | 5.50% p.a | 0.25% p.a | 5.75% p.a | 750 |
| Rp500,000,000 - Rp999,999,999 | 1 Month | 5.75% p.a | 0.75% p.a | 6.50% p.a | 300 |
| Rp1,000,000,000 - Rp5,000,000,000 | 1 Month | 6.25% p.a | 0.75% p.a | 7.00% p.a | 50 |
3 Months Tenure
| Deposito | Tenure | Normal Interest Rate | Extra cashback | Total benefit | Quota |
|---|---|---|---|---|---|
| Rp10,000,000 - Rp99,999,999 | 3 Months | 5.50% p.a | 0.25% p.a | 5.75% p.a | 1000 |
| Rp100,000,000 - Rp499,999,999 | 3 Months | 5.75% p.a | 0.25% p.a | 6.00% p.a | 500 |
| Rp500,000,000 - Rp999,999,999 | 3 Months | 6.00% p.a | 0.75% p.a | 6.75% p.a | 200 |
| Rp1,000,000,000 - Rp5,000,000,000 | 3 Months | 6.25% p.a | 1.85% p.a | 8.10% p.a | 20 |
- On the Pocket (Kantong) home page, tap Create Pocket.
- Select Deposit Pocket as the pocket type.
- Set the amount of money you want to save in the Deposit Pocket and choose the deposit duration.
- Select your preferred maturity setting:
- Do Not Automatically Renew: The principal amount and interest will be disbursed to your Main Pocket upon maturity.
- Automatically Renew: You can choose to roll over both the principal and interest OR the principal amount only, for the same duration as the previous setting.
- On the confirmation page, tap Create Deposit and enter your PIN to finalize opening your 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.
- If the user chooses a 1-month tenor, the interest differential equivalent is 0.25% p.a. - 0.75% p.a. will be credited as cashback to their Main Pocket (Kantong Utama), 30 days after the promo period ends plus a maximum of 7 Working Days.
- If the user chooses a 3-month tenor, the interest differential equivalent is 0.25% p.a. - 1.85% p.a. will be credited as cashback to their Main Pocket (Kantong Utama), 90 days after the promo period ends plus a maximum of 7 Working Days.
User X (1-month tenor) creates a deposit on August 14th. The Bonus will be sent 30 days after August 31, plus up to 7 Working Days.
User Y (3-month tenor) creates a deposit on August 14th. The Bonus will be sent 90 days after August 31, plus up to 7 Working Days.
