Through this charity program, J Trust Bank provides financial support to the referrer who refers potential customer to open a Time Deposit product account (3 months or 6 months) with a minimum amount of IDR 10 million. Customer who successfully open a Time Deposit account for reference of a Referrer will also get cashback as a gift.


  • Every customer who opens a Deposit account at least IDR 10 million (up to a maximum of IDR 1,000,000,000,000. (one trillion Rupiah) per CIF) will earn an interest rate of 4.75% p.a.

  • Upon the new placement of the Deposit account, the depositor will get a reward of 0.25% p.a. of nominal.

  • If there are referents who refer depositors open accounts with J Trust Bank will be rewarded with a value of 0.25% p.a. from nominal.



  • Program started 1st August 2021 to 31st August 2021

  • Minimum balance of IDR 10 million (multiplication of IDR 10 million are applied) 

  • Applicable for fresh fund

  • Applicable for existing customer and new customer.

  • Deposit interest rate 4.75% p.a. + cashback 0.25% p.a.

  • The cashback recipient is an introducer (referrer) & depositor.

  • Termination on Deposit will be subjected to a penalty in accordance with the terms of the program

  • Appreciation money given to Depositor and Referrer could be credited to each account or could be withdrawn in cash.

  • Payment of appreciation money is carried out through applied process at J Trust Bank

  • Cashback is subjected to 20% tax.