Inactive Bank Account? Here’s What It Means, the Risks, and How to Reactivate It

Do you have a bank account that you rarely use? Be careful, it might already be considered inactive. An inactive account can affect your transaction convenience and, in some cases, even lead to account closure.

If you’re a Bank Muamalat customer, this guide will help you understand what an inactive account is, why it happens, the risks involved, and how to reactivate it.

What Is an Inactive Bank Account?

An inactive account is one that has had no active transactions for a certain period of time.

At Bank Muamalat, an account is classified as inactive if there are no incoming or outgoing transactions for 12 consecutive months, excluding automatic system transactions such as admin fees, profit-sharing credits, or other system-generated entries.

Common Reasons Why Accounts Become Inactive

Rarely Used
Some customers open an account for a specific purpose, for example to receive a salary or financial aid, but stop using it once that need is fulfilled.
Forgetting the Account Exists
Having multiple accounts can make it easy to forget about one, especially if it is not part of your daily financial routine.
No Active Transactions

Without withdrawals, transfers, bill payments, or deposits for 12 months, the account will automatically be marked as inactive.

What Happens When Your Account Is Inactive?

Monthly Administrative Fees
Inactive accounts are charged an admin fee ranging from Rp5,000 to Rp20,000 per month, depending on the type of savings or giro account. These fees will be deducted from your balance.

Possible Account Closure
If inactivity continues and your balance reaches Rp0, Bank Muamalat has the right to close your account.

Longer Processing Time at the Teller
Teller transactions for inactive accounts require supervisor authorization, which makes the process slower compared to active accounts.

How to Reactivate an Inactive Bank Account

If your account is already inactive, you can easily reactivate it in two ways.

Reactivation at a Bank Muamalat Branch
Visit the nearest Bank Muamalat branch and request to reactivate your account. Bring the following documents:
- Passbook
- ATM card
- Valid ID (KTP)

Reactivation via E-Channel Transactions
Make at least one outgoing transaction through Bank Muamalat’s e-channels such as:
- Muamalat DIN Mobile Banking
- Internet Banking
- ATM machines

Once the transaction is completed, your account will automatically become active again.

Tips to Keep Your Bank Account Active

Use it regularly for transfers, e-wallet top-ups, or bill payments.
Maintain a balance, even if it’s a small amount, to avoid fees and account closure.

Keep Your Account Active, Keep Your Finances Smooth

An inactive account is more than just a status; it can affect your balance, convenience, and overall financial management. Preventing inactivity is simple. Make regular transactions and maintain your balance so your account remains active and useful.

For Bank Muamalat customers, staying active means enjoying smooth, secure, and worry-free banking for daily needs. An active account keeps your finances in check and your peace of mind intact.