PPATK Ends Blocking of 122 Million Dormant Accounts, Here’s the Explanation

Kepala PPATK, Ivan Yustiavandana sehabis acara Katadata Policy Dialogue bertema "Strategi Nasional Melawan Kejahatan Financial" di Jakarta, Selasa, 5 Agustus 2025. (Foto: Steven Widjaja)

Jakarta – Head of the Financial Transaction Reports and Analysis Center (PPATK), Ivan Yustiavandana, revealed that his party has ended the blocking process of a total of 122 million dormant accounts. PPATK has also returned these accounts to their respective banking institutions.

“Yes, since May this year, we have been mapping dormant accounts and gradually unblocking them. So, as of today, we have handed them all over to our friends in the banking sector to be released, because we have finished our work,” said Ivan in Jakarta on Tuesday, August 5, 2025.

Ivan added that PPATK will no longer block dormant accounts in the second half of the year, unless suspicious transactions are detected in a particular account. He noted that his agency has completed a comprehensive analysis of all dormant accounts reported by banking institutions.

“We received over 100 million dormant accounts from the banking sector. We handled them carefully, not haphazardly. So, we resolved them, investigated how many dormant accounts there were before we lifted the block,” Ivan explained.

Although the analysis process has been completed and the block has been lifted, Ivan stated that some accounts remain blocked due to indications of suspicious transactions. These accounts will be further addressed by the government.

Ivan also explained that the blocking measure was in accordance with the mandate of the law.

The regulation on passive or dormant accounts is based on the principle of prudence and consumer protection, as stipulated in Law No. 8 of 1999 on Consumer Protection and OJK Regulation No. 1/POJK.07/2013 on consumer protection in the financial services sector.

Citing information from the OJK and the Ministry of Communication and Digital Affairs (Komdigi), Ivan stated that online gambling operators and other cybercriminals often use other people’s identities to open accounts.

“Based on the facts, they use inactive accounts. These inactive accounts can be obtained through the buying and selling of inactive accounts or by using other people’s identities,” he said. (*) Steven Widjaja

Muhamad Ibrahim

Berpengalaman sebagai jurnalis sejak 2014. Saat ini bertugas menulis tentang isu nasional, internasional, ekonomi, perbankan, industri keuangan non-bank (IKNB), hingga Badan Usaha Milik Negara (BUMN).