One-Time Deposit, Lifetime Benefits

In today’s financial landscape, more individuals and institutions are looking beyond returns, they seek real, tangible value. If you’re looking for a smart way to manage idle funds while gaining immediate benefits, Tabungan Prima Berhadiah (TPB) by Bank Muamalat is the solution you've been waiting for.

This Sharia-compliant savings program gives you the flexibility to choose your reward from the start, simply by making a one-time deposit. No raffles, no waiting periods, just instant gratification, managed responsibly.

What Is Tabungan Prima Berhadiah (TPB)?

Tabungan Prima Berhadiah is a Sharia-based savings program under a Mudharabah agreement, where customers receive a gift of their choice upfront, without having to enter a lottery or draw. In exchange, your funds are held for a fixed term of your choosing: 3, 6, 12, 18, 24, 30, or 36 months.

This program is ideal for individuals or organizations with idle funds who want to optimize their money in a secure and productive way, while enjoying guaranteed rewards from day one.

Key Benefits of TPB

Immediate Rewards Without Lotteries
Customers can choose their preferred gift directly from the official catalog, based on the deposit amount and chosen tenure. No raffle system or waiting period involved.
One-Time Deposit Only
No need for recurring payments. A single deposit grants you full access to the program’s benefits.
Flexible Tenure Options
Choose from a range of holding periods between 3 to 36 months, in 6-month increments.
Monthly Profit Sharing
During the program period, customers receive monthly profit sharing based on the Mudharabah agreement, according to the agreed ratio and fund performance.
Sharia-Compliant Fund Management
Funds are managed professionally under Islamic finance principles, ensuring transparency, safety, and spiritual value.
Insured Delivery of Gifts
Gifts are delivered through an official vendor, with insurance protection throughout the shipping process.

Program Requirements

Fund Placement

Minimum Deposit: Rp25.000.000

Eligible fund sources include:

Fresh funds (new deposits from outside Bank Muamalat)
Funds from a previous TPB program
Matured time deposits
A combination of the above

General Terms

The program is not available for joint accounts (AND, OR, or QQ types).
Customers must sign a Program Offer Letter and a Loan-for-Use Agreement for the selected gift.
Customers are considered enrolled if their total balance across savings, current accounts, and time deposits in Rupiah has increased compared to the previous 30 days.

Required Documentation

Category	Required Documents
Individual (Indonesian)	KTP/SIM and NPWP
Individual (Foreigner)	Passport and Tax Registration
Non-Individual	Articles of incorporation, Ministry of Law and Human Rights validation, corporate NPWP, business license, domicile certificate, company representative's ID, and operational permit if applicable

Gift Distribution Process

Gift Selection
Customers may select their gift from the official catalog on the Bank Muamalat website. For vehicle gifts, submissions must go through a Relationship Manager.
Gift Ownership
Gifts are provided on a loan-for-use basis throughout the program period. Upon completion of the program, the gift becomes the customer’s full property.
Delivery Process
An official vendor will deliver the gift to the customer’s registered address. Accurate delivery information is required. All shipments are insured.
Special Conditions

Specific requests for color, size, or production year of the gift are not available.
If a selected item is unavailable, the bank will offer a replacement of similar type and equal value, with prior confirmation.
Customers who exit the program early must either return the gift or pay a cancellation fee based on the item’s depreciation value.

Who Is TPB Designed For?

This program is ideal for:

Financially established professionals looking to maximize idle funds
Individuals or institutions who prioritize transparency and certainty
Customers who prefer a non-lottery-based Sharia savings option
Anyone seeking upfront rewards without disrupting monthly cash flow

How to Join the Program

Contact your Bank Muamalat Relationship Manager or visit a nearby branch.
Determine your preferred deposit amount and program tenure.
Choose your reward from the official catalog.
Submit the required documents and sign the agreement.
Receive your gift and enjoy Sharia-compliant fund management throughout the selected term.

Make Your Funds Work Smarter

Looking for a savings program that delivers instant benefits, aligns with your values, and is managed with care? Tabungan Prima Berhadiah is the answer.

Visit Bank Muamalat’s official website to explore the gift catalog or speak with your Relationship Manager to find the right option for your financial goals.