Dormant bank account in Indonesia have become a major concern. Over the past decade, the Financial Transaction Reports and Analysis Center (PPATK) uncovered more than 140,000 dormant accounts. The total value locked inside them is staggering, reaching Rp 428.61 billion. What many people may not know is that these accounts can still be recovered.
PPATK explained that these dormant accounts remain inactive because no customer data updates have been recorded. A dormant account itself refers to a savings or checking account that has no transaction activity for a certain period, generally between three and twelve months, depending on the bank’s rules.
To address the issue, PPATK temporarily froze all dormant accounts. The move was necessary because many of them had been exploited. Some were sold, while others were linked to money laundering. The agency’s analysis in 2024 even revealed more than 28,000 accounts traded and used for online gambling deposits.
Even though they are blocked, customers do not lose their money. PPATK confirmed that the funds remain safe. The freezing is also intended as a reminder for customers, heirs, or companies that these accounts still exist and remain officially active despite long periods of inactivity.
Read also: 500 Tons of Waste Produced by Tourists Every Day in Bali
On its Instagram post dated Tuesday, July 29, 2025, PPATK informed customers that they can regain access to their dormant accounts. The process begins by filling out a form at https://form.ppatk.go.id/index.php/299299?lang=id.
Once the form is submitted, PPATK and the respective bank will conduct a review. The initial process usually takes five business days. However, if data is incomplete or further checks are required, the timeline can extend up to 15 business days. In total, the reactivation may take as long as 20 business days.
Customers who want to track the progress of their account reopening can do so easily. They can check their account status through ATMs, mobile banking services, or by directly contacting the bank.
Dormant account in Indonesia may have been left untouched for years, but the path to reclaiming them is now clear. PPATK’s measures not only protect customers’ savings but also prevent criminal misuse of idle accounts.
