Islamic banking is often chosen by the Indonesian people who want usury-free banking transactions that adhere to sharia principles. There are a lot of Islamic banking in Indonesia. One of them is Bank Syariah Indonesia (BSI).
Overview of Indonesian Islamic Bank (BSI)
Bank Syariah Indonesia (BSI) is a bank in Indonesia that is engaged in Islamic banking. BSI was inaugurated recently, namely as of February 1, 2021. This bank itself is the result of a merger between Bank Syariah Mandiri, BNI Syariah, and BRI Syariah. BSI itself is also a sharia bank owned by HIMBARA (State Owned Bank Association).
What Products Launched by BSI?
Bank Syariah Indonesia has several products & services that you can use to support your banking transactions. Among others are :
Savings Products:
- BSI Easy Wadiah Savings
- BSI Business Savings
- BSI Education Savings
- BSI Easy Mudharabah Savings
- BSI Hajj Savings
- BSI Young Hajj Savings
- BSI Junior Savings
- BSI My Savings
- BSI Savings Prima
- BSI Sharia Securities Savings
- BSI Student Savings
- BSI Payroll Savings
- BSI Student Savings Savings
- BSI Pension Savings
- BSI Savings Plan
- BSI Smart Savings
- BSI Forex Savings
- BSI Collective Savings
Current Account
- BSI Rupiah Current Account
- BSI Forex Current Account
- Financing Products
- BSI Micro KUR
- Prosperous KUR BSI
- BSI Bilateral Financing
- BSI Griya Simuda
- BSI Griya Hasanah
- BSI Cash Collateral
- BSI Griya Take Over
- BSI Distributor Financing
- BSI Griya Mabrur
Card Products
- Debit cards: BSI Debit VISA, BSI Hajj Card, BSI Debit OTP, BSI Debit GPN, BSI Debit SimPel, and BSI Debit SaBi.
- Credit Card : BSI Hasanah Card
Digital Products
- BSI Mobile and BSI Internet Banking
Requirements for Creating an Indonesian Sharia Bank Account (BSI)
Before starting to open a Bank Syariah Indonesia account, you must prepare some data such as:
- Identity Card in the form of KTP
- NPWP
- Signature Photo
- Initial deposit of IDR 100,000
- Smartphone to upload photos and video calls with BSI customer service
How to Register an Indonesian Islamic Bank (BSI)
After all the requirements for creating an Indonesian Syariah Bank Account (BSI) are met. So, you can proceed to how to register BSI online below:
- Make sure your smartphone has an active data quota/data package to access BSI services online.
- Download and install the BSI Mobile app on the Google Play Store or App Store.
- Open the installed BSI Mobile Application, select the “Open Account” option
- There are 2 choices of sharia savings that you can choose according to your needs, namely Mudharabah Savings and Wadiah Savings. Click one.
- Fill in complete personal data. Upload a photo of your ID card, a photo of yourself holding your ID card, and a photo of your NPWP.
- Verify the service via video call with the BSI officer.
- Your new account opening application will be processed.
BSI Mobile Activation Steps
After you have successfully opened a BSI account, then you must activate BSI Mobile so that you can make transactions via this mobile banking. There are 3 main ways you can do to activate this BSI Mobile Banking, namely:
Via WhatsApp
- Save the BSI Customer Service number 081584114040
- Open your WhatsApp Application, send a new message to the BSI CS number you just saved
- Type “Activation BSI Mobile”
- Wait for a reply, click “YES”
- Wait for a reply, click “Link Form”
- Fill in your personal data and send it.
- If the data verification is successful and the data is correct, then you will get a BSI Mobile activation code. Copy the code and continue the activation process on the BRI Mobile Banking Application.
Via Call Center
- Make sure that the phone number you are using has a credit balance.
- Call the BSI call center at 14040
- Prepare other documents such as e-KTP, ATM & account book.
- Follow the instructions given by the customer service
- The cs bank will carry out the data verification process. After completion you will receive a BRI Mobile Banking activation code sent to your mobile number.
- Use the OTP code for activation in the BSI Mobile Banking Application.
Activation Via Live Chat Aisyah
- Go to the bankbsi.co.id page
- On the main page, select the option “Live Chat”
- Enter your personal data. Such as: full name, email, mobile number. Click “Connect”.
- Type “Activation BSI Mobile”
- Wait for a reply, then click “Yes”
- Fill in other required data then click “Submit”
- After completion you will receive a BRI Mobile Banking activation code sent to your mobile number.
- Use the OTP code for activation in the BSI Mobile Banking Application.
Advantages of Using BSI
- Not using the interest system, but using a profit-sharing system. Where, the profits obtained by the customer are calculated based on the bank’s income. The greater the profit earned by the bank, the greater the yield.
- Using the contract in accordance with Islamic law. There are 2 contracts offered. First, the Mudharabah Agreement, which is to give permission to banks to manage customer money in a halal industry. Second, wadiah contract in which the customer only saves and the bank will only keep the funds (unmanaged).
- Guaranteed by the Deposit Insurance Corporation (LPS).
- There are various facilities and features that you can use to support your banking transactions. For example, there are SMS Banking and Mobile Banking facilities as well as debit and credit cards.
- Offers a variety of products that are not necessarily offered by other conventional banks.
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