{"id":3211,"date":"2025-05-26T12:04:35","date_gmt":"2025-05-26T12:04:35","guid":{"rendered":"https:\/\/independennews.id\/?p=3211"},"modified":"2025-05-26T12:22:00","modified_gmt":"2025-05-26T12:22:00","slug":"8-bank-dengan-bunga-deposito-tertinggi-2025-cocok-untuk-investasi-aman-dan-menguntungkan","status":"publish","type":"post","link":"https:\/\/independennews.id\/?p=3211","title":{"rendered":"8 Bank dengan Bunga Deposito Tertinggi 2025, Cocok untuk Investasi"},"content":{"rendered":"\n<p class=\"p1\"><strong><em>Jakarta<\/em><\/strong>, <em>independennews.id<\/em> \u2014 <strong>Di tengah ketidakpastian ekonomi dan naiknya biaya hidup, masyarakat kini semakin selektif dalam memilih instrumen keuangan yang aman namun tetap memberikan imbal hasil menarik. Salah satu produk keuangan yang kembali dilirik adalah deposito berjangka, karena menjanjikan bunga lebih tinggi dibanding tabungan biasa dan dijamin oleh Lembaga Penjamin Simpanan (LPS).<\/strong><\/p>\n\n\n\n<p class=\"p1\">Sejumlah bank, terutama bank digital, berlomba-lomba menawarkan bunga deposito yang sangat kompetitif \u2014 bahkan ada yang mencapai hingga 10% per tahun. Berikut ini adalah 8 bank dengan bunga deposito tertinggi di tahun 2025 yang patut dipertimbangkan:<\/p>\n\n\n\n<p class=\"p3\"><strong>1. Bank Saqu<\/strong><\/p>\n\n\n\n<p class=\"p1\">Sebagai bagian dari PT Bank Jasa Jakarta (BJJ) yang didukung oleh Astra Financial dan WeLab, Bank Saqu menawarkan pendekatan baru dalam dunia deposito melalui fitur Busposito, yaitu sistem deposito kolaboratif yang memberi bunga lebih tinggi jika banyak pengguna bergabung. Ada juga Saku Booster dengan bunga hingga 10% per tahun yang dibayarkan harian, meski bunga maksimal hanya berlaku pada syarat tertentu. Bunga produk lainnya bervariasi antara 0.5% hingga 6% per tahun.<\/p>\n\n\n\n<p class=\"p3\"><strong>2. Bank Amar<\/strong><\/p>\n\n\n\n<p class=\"p1\">Dengan setoran awal hanya Rp100.000, Bank Amar menawarkan bunga hingga 9% per tahun. Bank ini menjadi pilihan tepat bagi pemula yang ingin menabung sekaligus menikmati bunga tinggi tanpa perlu modal besar.<\/p>\n\n\n\n<p class=\"p3\"><strong>3. Krom Bank<\/strong><\/p>\n\n\n\n<p class=\"p1\">Krom Bank memungkinkan pengguna membuat hingga 20 rekening deposito dalam satu akun, memberikan fleksibilitas untuk berbagai tujuan keuangan. Bunga yang ditawarkan mencapai 8.75% per tahun, menjadikannya opsi menarik untuk diversifikasi dana.<\/p>\n\n\n\n<p class=\"p3\"><strong>4. Bank Neo Commerce (BNC)<\/strong><\/p>\n\n\n\n<p class=\"p1\">BNC menawarkan deposito dengan tenor fleksibel mulai dari 7 hari hingga 12 bulan, dan setoran awal hanya Rp100.000. Bunga yang diberikan mulai dari 5% (tenor 7 hari) hingga 8% per tahun (tenor 12 bulan), cocok untuk kebutuhan likuiditas jangka pendek.<\/p>\n\n\n\n<p class=\"p3\"><strong>5. Superbank<\/strong><\/p>\n\n\n\n<p class=\"p1\">Superbank memberikan bunga hingga 7.5% per tahun untuk penempatan dana di bawah Rp1 miliar. Namun, jika nominal melebihi angka tersebut, bunganya justru turun menjadi 6.5%. Strategi ini tampaknya mendorong penyebaran dana lebih merata.<\/p>\n\n\n\n<p class=\"p3\"><strong>6. Allo Bank<\/strong><\/p>\n\n\n\n<p class=\"p1\">Dengan minimal penempatan Rp1 juta, Allo Bank menawarkan bunga antara 5% hingga 7.5% per tahun, tergantung nominal dan jangka waktu. Untuk simpanan di atas Rp100 juta, bunga bisa sedikit lebih tinggi dari standar.<\/p>\n\n\n\n<p class=\"p3\"><strong>7. Bank Raya<\/strong><\/p>\n\n\n\n<p class=\"p1\">Bank Raya menghadirkan dua pilihan utama: Saku Jaga (bunga 0.5%\u20133%) untuk dana darurat dan Saku Jaga Optimal (bunga 4%\u20136%) untuk tenor 1\u201324 bulan, namun bunga tertinggi hanya berlaku untuk dana besar, yakni Rp100 miliar ke atas.<\/p>\n\n\n\n<p class=\"p3\"><strong>8. Bank Jago<\/strong><\/p>\n\n\n\n<p class=\"p1\">Bank Jago memiliki dua produk simpanan: Kantong Nabung (bunga 3.75%) dan Kantong Terkunci (bunga 4.25%). Sementara itu, bunga deposito reguler berkisar antara 4.25% hingga 5.25% per tahun, tergantung jumlah dana yang disetor.<\/p>\n\n\n\n<p class=\"p1\"><strong>Kesimpulan:<\/strong><\/p>\n\n\n\n<p class=\"p1\">Dengan bunga deposito yang kini bisa menyaingi imbal hasil investasi berisiko, produk ini menjadi opsi menarik bagi masyarakat yang ingin tetap menumbuhkan dana secara aman. Meski demikian, penting untuk selalu memeriksa syarat dan ketentuan dari masing-masing bank sebelum menempatkan dana, agar imbal hasil yang diharapkan benar-benar bisa tercapai. (Rid)<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Jakarta, independennews.id \u2014 Di tengah ketidakpastian ekonomi dan naiknya biaya hidup, masyarakat kini semakin selektif dalam memilih instrumen keuangan yang aman namun tetap memberikan imbal hasil menarik. Salah satu produk keuangan yang kembali dilirik adalah deposito berjangka, karena menjanjikan bunga lebih tinggi dibanding tabungan biasa dan dijamin oleh Lembaga Penjamin Simpanan (LPS). Sejumlah bank, terutama [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":3210,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[9],"tags":[],"class_list":["post-3211","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomi-bisnis"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>8 Bank dengan Bunga Deposito Tertinggi 2025, Cocok untuk Investasi - independennews.id<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"http:\/\/independennews.id\/?p=3211\" \/>\n<meta property=\"og:locale\" content=\"id_ID\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"8 Bank dengan Bunga Deposito Tertinggi 2025, Cocok untuk Investasi - independennews.id\" \/>\n<meta property=\"og:description\" content=\"Jakarta, independennews.id \u2014 Di tengah ketidakpastian ekonomi dan naiknya biaya hidup, masyarakat kini semakin selektif dalam memilih instrumen keuangan yang aman namun tetap memberikan imbal hasil menarik. Salah satu produk keuangan yang kembali dilirik adalah deposito berjangka, karena menjanjikan bunga lebih tinggi dibanding tabungan biasa dan dijamin oleh Lembaga Penjamin Simpanan (LPS). Sejumlah bank, terutama [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"http:\/\/independennews.id\/?p=3211\" \/>\n<meta property=\"og:site_name\" content=\"independennews.id\" \/>\n<meta property=\"article:published_time\" content=\"2025-05-26T12:04:35+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-05-26T12:22:00+00:00\" \/>\n<meta property=\"og:image\" content=\"http:\/\/independennews.id\/wp-content\/uploads\/2025\/05\/img_7831-1.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1080\" \/>\n\t<meta property=\"og:image:height\" content=\"720\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"admin\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Ditulis oleh\" \/>\n\t<meta name=\"twitter:data1\" content=\"admin\" \/>\n\t<meta name=\"twitter:label2\" content=\"Estimasi waktu membaca\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 menit\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"http:\\\/\\\/independennews.id\\\/?p=3211#article\",\"isPartOf\":{\"@id\":\"http:\\\/\\\/independennews.id\\\/?p=3211\"},\"author\":{\"name\":\"admin\",\"@id\":\"https:\\\/\\\/independennews.id\\\/#\\\/schema\\\/person\\\/c41af49098bce985dc9d5a2b7c86a493\"},\"headline\":\"8 Bank dengan Bunga Deposito Tertinggi 2025, Cocok untuk Investasi\",\"datePublished\":\"2025-05-26T12:04:35+00:00\",\"dateModified\":\"2025-05-26T12:22:00+00:00\",\"mainEntityOfPage\":{\"@id\":\"http:\\\/\\\/independennews.id\\\/?p=3211\"},\"wordCount\":442,\"publisher\":{\"@id\":\"https:\\\/\\\/independennews.id\\\/#organization\"},\"image\":{\"@id\":\"http:\\\/\\\/independennews.id\\\/?p=3211#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/independennews.id\\\/wp-content\\\/uploads\\\/2025\\\/05\\\/img_7831-1.jpg\",\"articleSection\":[\"EKONOMI BISNIS\"],\"inLanguage\":\"id\"},{\"@type\":\"WebPage\",\"@id\":\"http:\\\/\\\/independennews.id\\\/?p=3211\",\"url\":\"http:\\\/\\\/independennews.id\\\/?p=3211\",\"name\":\"8 Bank dengan Bunga Deposito Tertinggi 2025, Cocok untuk Investasi - 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