JAKARTA, July 30, 2025 – Amid a dynamic and challenging economic environment, Indonesian society is becoming increasingly discerning in choosing financial management instruments. No longer fixated solely on regular savings or volatile investment products, more individuals from Gen Z and millennials to young professionals, are turning to deposits as a safe yet profitable investment option.
Deposits have become one of the favorite choices because of their low risk yet attractive returns. For millennials who are just beginning to plan their financial future, or for young families who want to set aside funds for medium and long-term needs, deposits provide a sense of security that is hard to find in other investment products such as stocks or mutual funds, which are directly affected by market volatility. Deposits serve as a solution that offers attractive yields while being protected by the Indonesia Deposit Insurance Corporation (LPS).
Bank Luna Introduces Luna Deposito Flexi with Savings Bonus Up to IDR 40 Million
For those who wish to manage their funds optimally, Bank Luna presents Luna Deposito as a term deposit solution that can be tailored to various financial needs. Customers can choose the usual deposit tenors of 1, 3, 6, or 12 months for medium- and long-term purposes.
As a product development initiative and to meet public demand for safe yet profitable savings instruments, Bank Luna introduces Luna Deposito Flexi, a flagship deposit product offering attractive interest rates of up to 6.5% per year (or according to LPS regulations) and featuring flexible tenor options of 6, 8, 10, or 12 months, allowing customers to adjust according to their needs. Not only does it provide flexibility in fund management, but customers also have the opportunity to receive additional benefits in the form of a savings bonus of up to IDR 40 million, subject to terms and conditions making Luna Deposito Flexi a smart choice to maximize fund potential with extra advantages.
In addition, Bank Luna’s deposits are guaranteed by LPS, providing an extra sense of security for customers. As expressed by Mrs. Margaretha, a Bank Luna deposit customer since 2023: “I chose Bank Luna’s deposit product because I was attracted by the offered interest rates and the safety guaranteed by LPS, as well as the excellent, friendly, and intelligent team of Bank Luna who provide smart financial management solutions.” Similarly, Mrs. Dyah, another Bank Luna customer, added, “In my opinion, Bank Luna’s deposit product is profitable because it offers attractive programs, is safe, and has an easy process, with clear financial reports and friendly, transparent, and supportive staff who are smart in sharing their financial management experiences.”
In addition to deposit products, Bank Luna also offers two types of savings products designed to meet the financial needs of the public, Tabungan Luna and Tabungan Luna Pendidikan Berjangka. Both products make saving easy for customers with competitive interest rates of up to 2% per year, and are supported by Virtual Account (VA) facilities from Bank Mandiri, Bank CIMB Niaga, and Bank Permata as practical, real-time online automatic transfer channels.
Specifically for Tabungan Luna Pendidikan Berjangka, customers have the opportunity to obtain additional benefits in the form of education savings balances of up to IDR 4 million, making it an ideal choice for structured and rewarding education fund planning.
Customer trust in Bank Luna’s deposit products is also supported by the company’s solid and healthy financial performance. In the first half of 2025, Bank Luna recorded a net profit of IDR 4.7 billion, or 115.90% of its 2025 Bank Business Plan (RBB) target. In addition, the Non-Performing Loan (NPL Net) ratio remained low at 1.87%, reflecting prudent risk management, sharp analysis, and strong governance.
Bank Luna’s operational efficiency is also reflected in its BOPO ratio, which remained healthy at 73.6%, indicating well-measured and optimal banking operations. Bank Luna’s assets have grown by more than 1,100% over the past 2.5 years since its acquisition, growth that demonstrates a significant transformation not only in business scale but also in strengthening public trust and competitiveness in the financial market.
This strong financial foundation further strengthens public confidence that saving funds in Bank Luna is a safe and smart step in planning short, medium, and long-term finances.
Bank Luna Launches Financial Literacy and Inclusion Programs
In addition to offering relevant financial products, Bank Luna is also actively educating the public through various financial literacy and inclusion programs. In 2025, Bank Luna has conducted several literacy and inclusion activities titled “Understanding Deposits and the Importance of Saving” for various car communities, sports communities, and other positive community groups, such as Teruci (Toyota Rush and Daihatsu Terios owners community) and Pajero XWild Nusantara (Mitsubishi Pajero owners community), among others.
In addition, an early financial education program titled “Smart Financial Management from an Early Age” was also held at several schools such as SD Tarakanita 1 and SMP Tarakanita 5. These activities reflect Bank Luna’s commitment to helping people of all generations understand how financial products work, manage risks, and design realistic financial goals. Collaboration with communities and educational institutions also continues to expand to ensure broader educational impact.
“We believe that a good understanding of financial products can help people make smarter financial decisions,” said Joko Purwanto, President Director of Bank Luna. “Through deposit products and the Luna Deposito Flexi program with competitive interest rates, attractive benefits, and easy-to-access features, we not only provide safe savings solutions but also demonstrate our commitment to delivering relevant and inclusive financial innovations for all segments of society. This initiative also reflects Bank Luna’s active role in supporting national financial literacy and inclusion, as part of our continuous effort to Grow with Quality in serving the Indonesian people. As times change, financial education remains our team’s priority, especially since many people today are lured by high-risk, unsafe investments promising large returns. We have built a team capable of serving as financial advisors so that our customers are not only served but also guided in managing their finances,” added Joko Purwanto, who is also active as a committee member in several automotive communities and organizations.
With interest rates in line with LPS, flexible features, and continuous financial education programs, Luna Deposito Flexi is presented as a safe, simple, and accessible solution for anyone who wants to manage their funds wisely. Bank Luna believes that access to the right financial products, combined with proper understanding, will encourage people to be more confident in planning their financial future.
