BNI Simponi


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  • Simulation
Simponi DPLK BNI

Simponi DPLK BNI is a pension program organized by Dana Pensiun Lembaga Keuangan PT Bank Negara Indonesia (Persero), Tbk and has been operating since 1994. This program is conducted in accordance with Law Number 4 of 2023 concerning Financial Sector Development and Strengthening.

Simponi DPLK BNI is open to the general public, without limitation of profession—employees, professionals, entrepreneurs, as well as students—who wish to prepare their financial well-being for retirement.

Benefits for BNI Simponi Members

Easy & Integrated Digital Access

DPLK BNI services can be accessed at any time through wondr by BNI and the website newdplk.bni.co.id, including account opening, balance monitoring, contribution transactions, and pension information.

Affordable & Flexible

Initial contributions start from IDR 100,000 with a minimum monthly contribution of IDR 50,000, with contribution amounts and frequency adjustable to the participant’s financial capability.

Professional & Transparent Management

Funds are managed professionally with a selection of investment packages aligned with the participant’s risk profile, and investment returns are calculated on a daily basis.

Sustainable Pension Benefits

Pension benefits may be received in accordance with the type of pension and continued to eligible beneficiaries in accordance with applicable provisions.

Tax Deferral Facility

Contributions and investment returns are not subject to tax during the participation period in accordance with prevailing regulations.

  • Defined Contribution Pension Program (PPIP)
    A pension program with fixed contributions, where all contributions and investment returns are recorded under each participant’s name as pension benefits. This program may be participated in individually or collectively (corporate).
  • Post-Employment Compensation Fund Program (DKP)
    A program specifically for companies to prepare severance pay, long-service awards, and compensation of employee rights in accordance with applicable regulations.

Participants may select investment packages according to their risk profile :

  • Simponi Liquid – 100% Deposits/Money Market.
  • Simponi Liquid Plus – Deposits/Money Market and Bonds.
  • Simponi Liquid Sharia – Sharia Instruments.
  • Simponi Moderate – Deposits/Money Market and Bonds.
  • Simponi Balanced – Deposits/Money Market and Mutual Funds/Equities.
  • Simponi Balanced Sharia – Sharia Instruments and Sharia Mutual Funds.
  • Simponi Progressive – Bonds and Mutual Funds/Equities.

Investment returns are adjusted to market performance and calculated on a daily basis.

BNI Simponi sets the standard retirement age at 55 and allows for early retirement starting at age 50.

Simponi DPLK BNI provides several types of pension benefits designed to accommodate the needs and conditions of participants :

  • Normal Retirement
    Pension benefits granted to participants who have reached the selected Normal Retirement Age (minimum 55 years). Benefits may be paid in a lump sum, periodically, or in combination in accordance with applicable provisions.
  • Early Retirement
    Pension benefits granted to participants who choose to retire before the normal retirement age, subject to a minimum age requirement based on the participation date.
  • Disability Retirement
    Pension benefits granted to participants who cease working due to permanent disability, based on an official statement from an authorized medical institution.
  • Death Benefit
    Pension benefits granted to eligible parties (spouse, children, designated beneficiaries, or lawful heirs) in the event of the participant’s death.
  • Deferred Retirement
    Pension benefits for which payment is deferred until the participant reaches early retirement age or normal retirement age in accordance with the participant’s selection.

The disbursement of pension benefits under Simponi DPLK BNI is carried out according to the type of pension benefit (Normal Retirement, Early Retirement, Disability, Death, and Deferred), applicable to both the Defined Contribution Pension Program (PPIP) and the Post-Employment Compensation Fund (DKP).

The main difference in DKP disbursement lies in the submitting party and additional documents from the company, while the provisions regarding pension benefit types remain subject to the same categories.

General Disbursement Mechanism

  • Disbursement applications are submitted through the nearest BNI Branch Office.
  • The disbursement process is conducted centrally by the DPLK BNI Unit once the documents are declared complete and valid.
  • For DKP participants, disbursement applications must be submitted by the company.

  • Contributions can be made flexibly, both in terms of amount and frequency.
  • During the participation period, participants’ funds are not subject to taxation. Both contributions made and investment returns earned are eligible for tax deferral during the participation period.
  • Investment directives can be determined by participants in accordance with the available investment packages.
  • Participants’ funds will be invested, and investment returns are calculated daily.

All Simponi DPLK BNI services are accessible online and integrated, including :

  • Account opening.
  • Contribution payments.
  • Balance and transaction information.
  • e-Statements.
  • Claim and pension processes.

Access is available through :

Each participant will receive a participation e-Card as official proof.

Type of ClaimRequirement Document
Normal/Early Retirement (account closure)
  • Proof of participation; this may be (Simponi Book or an e-Card).
  • Power of attorney for withdrawal, stamped with a IDR 10,000 stamp (if applicable);
  • Power of attorney from the Participant to the Authorized Party to carry out the withdrawal, stamped with a IDR 10,000 stamp (in the event the Participant is unable to attend to carry out the BNI Simponi withdrawal);
  • A copy of the National Identity Card (KTP) for Indonesian Participants or a copy of the Passport for Foreign Participants;
  • A copy of the National Identity Card (KTP) for the Authorized Party who is an Indonesian citizen (in the event the Participant authorizes another person to process the Pension Benefit disbursement) or a copy of the Passport for the Authorized Party who is a foreign national (in the event the Participant authorizes another person to process the Pension Benefit disbursement);
  • Copy of the Letter of Termination of Employment (in the case of Corporate Group Participants);
  • Copy of the Participant’s Taxpayer Identification Number (NPWP);
  • Annuity purchase letter for participants whose funds exceed IDR 625 million (net value after fees and taxes);
  • Statement regarding the Participant’s participation and a statement regarding periodic payment of Pension Benefits or an annuity from the DPPK or the Pension Guarantee Program (JP) of the Social Security Administration for Employment (BPJS Ketenagakerjaan) (if the Participant does not opt for periodic payment or an annuity);
  • A copy of the first page of the Savings Book or a screenshot of the Mobile Banking app showing the account number for disbursement in the Participant’s name.
Death Pension
  1. Application for the Disbursement of Pension Benefits by Widows/Widowers and/or Children :
    • Proof of membership; this may be a BNI Simponi Book or an e-Card.
    • A power of attorney for disbursement bearing a IDR 10,000 stamp;
    • A copy of the National Identity Card (KTP) for Indonesian participants or a copy of the passport for foreign participants;
    • A copy of the National Identity Card (KTP) for widows/widowers and/or children who are Indonesian citizens or a copy of the passport for widows/widowers and/or children who are foreign nationals;
    • A copy of the Taxpayer Identification Number (NPWP) of the Pension Beneficiary (Widow/Widower and/or Child/Guardian of the Child (if any));
    • Copy of the Family Card;
    • A copy of the Marriage Certificate of the Participant and the Widow/Widower;
    • A copy of the Death Certificate in the name of the Participant issued by an authorized local official or Agency/Hospital (the original document must be brought for verification against the copy);
    • If the widow or widower has passed away or remarried, a copy of the Death or Divorce Certificate in the widow’s or widower’s name, issued by the relevant local authority or Agency, must be submitted (the original document must be brought for verification against the copy);
    • Original/Copy of the Inheritance Certificate from the Sub-district Office/Village Head’s Office and District Office where the Participant resides (if there is no potential for dispute) or a ruling from the competent court (Religious Court/District Court) in the form of a Fatwa/Inheritance Deed to determine the legitimate heirs of the Participant (if there is potential for dispute);
    • Original/Copy of the Power of Attorney from all Heirs to the Party authorized to carry out the disbursement (in the event the disbursement is not carried out by all Heirs);
    • A copy of the National Identity Card (KTP) for the Authorized Party who is an Indonesian citizen (in the event the Participant authorizes another person to process the disbursement of Pension Benefits) or a Passport for the Authorized Party who is a foreign national (in the event the Participant authorizes another person to process the disbursement of Pension Benefits);
    • A statement from the widow/widower essentially stating that they have not remarried;
    • Original/copy of the Letter of Appointment of a Child’s Guardian issued by the authorized local government official (in the event the Participant is married and has a minor child); and
    • A copy of the first page of the savings book or a screenshot of the mobile banking app showing the account number for the disbursement in the name of the Pension Beneficiary (Widow/Widower and/or Child/Guardian).
  2. Application for Pension Benefit Disbursement by the Designated Party :
    • Proof of membership;
    • Proof of membership may be in the form of a BNI Simponi Book or e-Card.
    • A power of attorney for disbursement with a IDR 10,000 stamp duty;
    • A power of attorney from the Designated Party to the party authorized to carry out the disbursement with a IDR 10,000 stamp duty (in the event the Designated Party is unable to attend to carry out the disbursement);
    • A copy of the National Identity Card (KTP) for Indonesian participants or a copy of the passport for foreign participants;
    • A copy of the National Identity Card (KTP) for the Designated Party who is an Indonesian citizen or a copy of the passport for the Designated Party who is a foreign national;
    • A copy of the Designated Party’s Taxpayer Identification Number (NPWP);
    • A copy of the Family Card;
    • A copy of the Death Certificate in the Participant’s name issued by an authorized local official or Agency/Hospital (the original document must be brought for verification against the copy);
    • Copy of the Death/Divorce Certificate in the name of the Widow/Widower issued by a local authorized official or Agency (the original document must be brought for verification against the copy);
    • A copy of the Death Certificate in the child’s name issued by a local authorized official or Agency (the original document must be presented for verification against the copy), (if the Participant is married and has a child);
    • A copy of the first page of the Savings Book or a screenshot of the mobile banking app showing the account number for the disbursement in the name of the Designated Party.
  3. Application for Pension Benefit Disbursement by Heirs :
    • Proof of membership;
    • Proof of membership may be in the form of a BNI Simponi Book or an e-Card.
    • A power of attorney for disbursement with a IDR 10,000 stamp duty;
    • A copy of the National Identity Card (KTP) for Indonesian participants or a copy of the passport for foreign participants;
    • A copy of the National Identity Card (KTP) for Indonesian heirs or a copy of the passport for foreign heirs;
    • A copy of the heir’s Taxpayer Identification Number (NPWP);
    • A copy of the Family Card;
    • A copy of the Death Certificate in the Participant’s name issued by an authorized local official or Agency/Hospital (the original document must be brought for verification against the copy);
    • Copy of the Death/Divorce Certificate in the name of the Widow/Widower issued by a local authorized official or Agency (the original document must be brought for verification against the copy);
    • A copy of the Child’s Death Certificate issued by a local authorized official or Agency (the original document must be presented for verification against the copy), (if the Participant is married and has children);
    • Original/Copy of the Death Certificate of the Designated Party issued by a local authorized official or Agency (the original document must be brought for verification against the copy), (in the event that the Designated Party designated by the Participant has passed away and no request for a change of Designated Party has been submitted to DPLK BNI);
    • Original/Copy of the Inheritance Certificate from the Village Office/Village Head’s Office and Sub-District Office where the Participant resides (if there is no potential for dispute) or a ruling from the competent court (Religious Court/District Court) in the form of a Fatwa/Inheritance Deed to determine the lawful heirs of the Participant (if there is potential for dispute);
    • Original/Copy of the Power of Attorney from all Heirs to the Party authorized to carry out the disbursement (in the event the disbursement is not carried out by all Heirs);
    • Copy of the first page of the Savings Book or a screenshot of the mobile banking app showing the destination account number for the disbursement in the Heir’s name.
DPLK BNI reserves the right to request additional documents and/or information in connection with the request for disbursement of Pension Benefits by the Participant, the Entitled Party, or the Heirs.
Permanent Disability Pension (account closure)
  • Proof of membership; this may be a BNI Simponi Passbook or an e-Card.
  • Power of attorney for disbursement, stamped with a IDR 10,000 stamp;
  • Power of attorney from the Participant to the Authorized Party to carry out the withdrawal, stamped with a IDR 10,000 stamp (in the event the Participant is unable to attend to carry out the withdrawal);
  • Copy of the National Identity Card (KTP) for Indonesian citizens or a copy of the Passport for foreign nationals;
  • A copy of the National Identity Card (KTP) for the Authorized Party who is an Indonesian citizen (in the event the Participant authorizes another person to process the Pension Benefit disbursement) or a copy of the Passport for the Authorized Party who is a foreign national (in the event the Participant authorizes another person to process the Pension Benefit disbursement);
  • Copy of the Participant’s Taxpayer Identification Number (NPWP);
  • Copy of the Family Card;
  • Original or copy of the Disability Certificate issued by a doctor, hospital, or authorized agency;
  • Original/Copy of the Letter of Termination of Employment from the Employer (in the case of a Corporate Group Participant);
  • Copy of the first page of the Savings Book or a screenshot of the mobile banking app showing the account number for the disbursement in the Participant’s name.
Transfer to another DPLKIf a Participant requests a transfer to another DPLK, then :
  • The request to transfer membership to another Pension Fund must be submitted by the Participant in question for Individual Participants or by the Employer for Group Participants no later than 30 (thirty) days prior to the desired transfer date using the Membership Transfer Form provided by BNI DPLK.
  • The transfer of the Participant’s funds by BNI DPLK to another Pension Fund is carried out after the transfer of membership has been approved by the other Pension Fund.
  • The transfer of the Participant’s funds from BNI DPLK to another Pension Fund must be separated into the accumulated contribution amounts, investment returns, and funds from the other Pension Fund and the Employer’s Fund.
  • All costs, risks, and legal consequences, including but not limited to the risk of loss, that may arise from the transfer of Participant Funds to another Pension Fund shall be the sole burden and responsibility of the Participant and/or the Employer, and any fees charged shall not exceed 5% of the transferred funds.
  • A transfer of membership may only be made if the membership period has lasted for at least 1 (one) year.
Required documents :
  • Proof of membership; this may be a BNI Simponi Passbook or an e-Card.
  • A power of attorney for the request to transfer membership to another pension fund, stamped with a Rp 10,000 stamp for each BNI DPLK participant;
  • Power of attorney from the Participant to the authorized party to carry out the disbursement, stamped with a Rp 10,000 stamp (in the event the Participant is unable to attend to carry out the disbursement);
  • Copy of the National Identity Card (KTP) for Indonesian citizens or a copy of the Passport for foreign nationals;
  • A copy of the Family Card;
  • A copy of the Participant’s Taxpayer Identification Number (NPWP);
  • The original or a copy of the Confirmation Letter of Approval for the Transfer of Membership from another Pension Fund.
Post-Employment Compensation FundThe Company is a collective participant in the program; therefore, only the Company is authorized to submit withdrawal and payment requests for employees enrolled in the Post-Employment Compensation Fund program.
  • Proof of enrollment; this may be a BNI Simponi passbook or an e-Card.
  • A power of attorney for disbursement, stamped with a IDR 10,000 stamp;
  • A power of attorney from the Participant to the party authorized to carry out the disbursement, stamped with a IDR 10,000 stamp (in the event the Participant is unable to attend to carry out the BNI Simponi disbursement);
  • A copy of the National Identity Card (KTP) for Indonesian Participants or a copy of the Passport for Foreign Participants;
  • A copy of the National Identity Card (KTP) for the Authorized Party who is an Indonesian citizen (in the event the Participant authorizes another person to process the Pension Benefit disbursement) or a copy of the Passport for the Authorized Party who is a foreign national (in the event the Participant authorizes another person to process the Pension Benefit disbursement);
  • Copy of the Letter of Termination of Employment (in the case of Corporate Group Participants);
  • Copy of the Participant’s Taxpayer Identification Number (NPWP);
  • Annuity purchase agreement for participants whose funds exceed IDR 625 million (net value after fees and taxes);
  • A letter of confirmation regarding the Participant’s enrollment and a statement regarding periodic payment of Pension Benefits or an annuity from the DPPK or the Pension Guarantee Program (JP) of the BPJS Ketenagakerjaan (if the Participant does not choose periodic payment or an annuity);
  • A copy of the first page of the savings account book or a screenshot of the mobile banking app showing the account number for the benefit disbursement in the Participant’s name.
  • A cover letter from the Company authorizing the payment of special benefits for Participants enrolled in the Post-Employment Compensation Fund (DKP) program.

Notes :

  • All closure processes are centralized at the DPLK Unit headquarters. Branches will only accept closure documents that meet the requirements listed above; please verify the signature on the ID card and the original booklet, and then send them to the DPLK Unit headquarters after first double-checking the completeness of the data at the earliest opportunity.
  • Please include the Taxpayer Identification Number (NPWP) for claim/disbursement processes (especially for contribution accumulation and terminated membership).
  • The total final funds received by participants will be subject to taxation in accordance with applicable regulations.

Contribution Methods

Contributions may be made easily through :

  • wondr by BNI.
  • Tellers at BNI Branch Offices.
  • Transfers from other banks (Virtual Account).
  • Auto-debit from BNI accounts.

  • Registration Fee :
IDR 0.
  • Administration Fee :
Individual IDR 18,000,-/per year.
Collective IDR 12,000,-/per year.
  • Management Fee :
Individual 0,95%/per year.
Collective 0,75%/per year.
  • Withdrawal/Transfer Fee :
Maximum 5% of the fund amount.

Simulation