Standardization of Account Management in Commercial Banks

This article discusses the Standardization of Savings and Current Account Management for Depositing Customers at Commercial Banks pursuant to POJK 24/2025, covering account classifications (active, inactive, and dormant), the Bank’s managerial duties, supervisory parameters, and reinforcement of AML, CFT, APGSS, and anti-fraud implementation. Employing a regulatory-analytical lens, this piece outlines inter-Bank policy harmonization, the legal framework for account administration, and its normative implications.

REGULATION SUMMARIES

M. Hadyaka Wiradewa & Ilham Nur Putra

12/10/20251 min read

Standardization of Account Management in Commercial Banks

Regulation Summary | Banking & Finance

Introduction

On 10 November 2025, the Financial Services Authority (“OJK”) enacted OJK Regulation No. 24 of 2025 concerning the Management of Commercial Bank Accounts (“POJK 24/2025”). The issuance of POJK 24/2025 is primarily prompted by two (2) main factors, namely the disharmonization of policies governing customer account administration in Commercial Banks (“Banks”) and the lack of supervisory measures, coupled with the prevalence of criminal acts involving the misuse of dormant and inactive customer accounts in Commercial Banks, particularly in cases of Money Laundering (“TPPU”). The enactment of POJK 24/2025 also revokes Article 6 paragraph (6) of OJK Regulation No.1/POJK.03/2022 concerning Branchless Financial Services in the Context of Financial Inclusion (“POJK 1/2022”). The scope of POJK 24/2025 includes the regulation of Policies and Procedures for the Administration of Current and Savings Accounts, Customer Obligations, Management and Supervision of Inactive and Dormant Current and Savings Accounts, and Administrative Sanctions.

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Standardization of Account Management in Commercial Banks

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