This regulation was issued to prepare as a step to strengthen governance in customer account management and enhance consumer protection within the banking sector. In current practice, customer account management policies are determined based on each bank’s internal policies, which may lead to differences in treatment across banks and potentially disadvantage customers. This regulation is designed to provide certainty and protection for customers through the standardization of account management in the banking industry and to prevent the misuse of customer accounts.

Click here for further details about OJK Regulation Number 11/ 2025 concerning Business Operation of Guarantee Institutions