Have you ever had an account that you haven't used for a long time?
Don't just realize that when you need it, your account status has changed or even closed automatically. Start to recognize your account status, from active, inactive, to dormant according to POJK No. 24 of 2025. Let's understand the various types of account status including active accounts, inactive accounts, and dormant accounts and what the differences are.
What is an Active Bank Account?
An active account is an account that is still used normally by customers for various banking transaction activities.
These activities can be:
- •Save
- •Transfer money
- •Cash withdrawal
- •Bill payment
- •Online purchase
- •Use of mobile banking and ATM
Usually an account is considered active if there is still transaction activity within a certain period according to bank policy.
Characteristics of an Active Account
- •Can be used for debit and credit transactions
- •Mobile banking and ATMs are still functioning
- •There are no service restrictions
- •The balance and account data are still valid in the bank system
An active account shows that the relationship between the customer and the bank is still running normally.
What is an Inactive Account?
An inactive account is an account that experiences certain functional restrictions due to several administrative or operational conditions.
This status can occur because:
- •Customer data documents have not been updated
- •There is an identity verification problem
- •Account temporarily blocked
- •Does not meet certain requirements from the bank
In this condition, the account may still be recorded in the bank system, but some services cannot be used in full.
Characteristics of an Inactive Account
- •Unable to perform certain transactions
- •Mobile banking can be blocked
- •ATM cards cannot be used
- •Customers need to re-verify at the bank
An inactive account is not necessarily dormant, because the cause can come from administrative factors, not just because it has not been used for a long time.
What is a Dormant Account?
A dormant account is an account that has no transaction activity within a certain period of time according to each bank's policy.
Generally, an account is considered dormant if:
- •There have been no debit or credit transactions for several months or years
- •Account rarely used
- •The balance is left without activity
Even though it is dormant, the account is usually still registered and the funds remain stored in the bank.
Characteristics of a Dormant Account
- •Cannot be used for certain transactions
- •Incoming transfers can still be accepted at several banks
- •Outbound transactions may be restricted
- •Requires reactivation by customer
How to Keep an Account Active
To keep your bank account active, you can make regular transactions, such as:
Make fund deposits or fund transfers
Withdraw funds or other transactions via Bank Jakarta e-channel
Checking balances via ATM, JakOne Mobile, CMS and EDC machines
How to Reactivate a Jakarta Bank Account
Accounts with inactive/dormant status can be reactivated through the Bank Jakarta Branch Office.