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SeaBank Indonesia review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.

Our verdict

SeaBank Indonesia is an easy access savings account for savers in Indonesia who want daily interest and no account upkeep, with a monthly fee of IDR 0 on the savings account. The variable rate of 3.5% sits above the site median of 3%, though support runs on help centre.

Key facts

Best for
Easy access saving with interest credited daily and a monthly fee of IDR 0.
Headline rate
3.5%↗
Rate type
Variable↗
Access terms
Savings interest calculated and paid daily↗
Monthly fee
IDR 0↗
Account kind
Easy access↗
Legal entity
PT Bank Seabank Indonesia↗
Headquarters
Indonesia↗
Support channels
Help-centre↗
Pricing model
No monthly fee
Official website
seabank.co.id

Facts checked September 26, 2026, 1 source

Apps and profiles

Get the app
App Store

Pros and cons

Pros

  • Interest is calculated and credited daily, so the variable rate of 3.5% applies to the full balance on every day it is held.
  • The account runs on a no monthly fee model, with a monthly fee of IDR 0 on the savings account.
  • A variable rate of 3.5%, above the site median of 3% and above Wise at 3.29%.
  • Easy access, listed as easy access, so the balance stays reachable while it earns.

Cons

  • Support runs on help centre only, with no email or phone route listed for anyone who prefers one.
  • The rate is variable, so the 3.5% headline can be revised by the bank rather than held for a term.
  • Fixed term products pay more: the median across term deposits is 6%.
SeaBank Indonesia

Ready to try SeaBank Indonesia?

Scored 8.9 / 10 by SumCue.

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Who it suits

  • Savers in Indonesia who want an easy access account with a monthly fee of IDR 0.
  • People comfortable with a variable rate, since variable pricing covers 53.9% of rates on the site.
  • Customers who want a domestic account from PT Bank Seabank Indonesia and read the help centre for answers.

Who should look elsewhere

  • Finteres, for savers after the top of the range, since its headline rate runs 0% to 36%.
  • bunq, for anyone settled on a headline of 3.01% instead of the 3.5% on offer here.
  • Wise, for savers content with 3.29% who do not need interest credited each day.

Rates and card terms

The savings account pays a variable rate, listed at 3.5%. A variable rate type means the bank can move that headline, so the return on a balance is not locked for a set term and can rise or fall. Savers who need a known figure for a fixed period would prefer a fixed rate product, where the headline holds for the term shown.

How SeaBank Indonesia compares

Where SeaBank Indonesia is available

Available
Indonesia

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What rate does SeaBank Indonesia pay on savings?+

The savings account pays a variable rate of 3.5%, above the site median of 3% for savings. Because the rate is variable rather than fixed, the bank can revise it, so the figure is the current headline rather than a locked return for a term.

Is there a monthly fee on the account?+

The account runs on a no monthly fee model, and the monthly fee on the savings account is IDR 0. That keeps a small balance from being eaten into each month, so the variable rate of 3.5% does the work of building the pot.

How is the interest paid?+

Interest is calculated and credited every day rather than monthly, so the balance keeps earning between withdrawals. Because the account is easy access, the money stays reachable while it earns, and the rate of 3.5% applies to the whole balance on every day it is held.

How do I get help?+

Support runs on help centre, so the written help centre is the route listed for questions. A help centre is the most common written channel in this group at 79.6% of brands, while phone support is listed at 80.2% of savings accounts.

Who runs the account and where can I hold it?+

The account is run by PT Bank Seabank Indonesia and sits in Indonesia, so it is a domestic savings product for Indonesian savers rather than a multi market platform. The account kind is easy access, which matches the format most common in the savings group at 75.4% of brands.

How does the rate compare with other savings accounts?+

The variable rate of 3.5% is above bunq at 3.01% and Wise at 3.29%, while Finteres runs 0% to 36%. On the rate ranking it sits at 189 of 488 brands, with an overall score of 5.3.

How does the cost side compare?+

With a monthly fee of IDR 0 and interest credited daily, the cost picture is simple to work out. The no monthly fee model is used by 53.4% of brands in the savings group, so this kind of account is a common setup rather than an unusual one.

Sources

  • seabank.co.id checked September 26, 2026

    Backs: Access terms, Account kind, Headline rate, Headquarters, Legal entity, Pricing model, Monthly fee, Rate type, Support channels

    “PT Bank Seabank Indonesia”

Compiled from 1 source page, checked September 26, 2026. We did not open an account.

Not confirmed yet: Term, Minimum deposit, Deposit protection.

Related by the facts

SeaBank Indonesia

SeaBank Indonesia

Easy access saving with interest credited daily and a monthly fee of IDR 0.

8.9/10See alternatives