{"id":32996,"date":"2026-09-17T12:44:12","date_gmt":"2026-09-17T05:44:12","guid":{"rendered":"https:\/\/fazz.com\/id\/?p=32996"},"modified":"2026-08-25T12:05:24","modified_gmt":"2026-08-25T05:05:24","slug":"perbedaan-deposito-dan-tabungan-mana-yang-lebih-untung","status":"publish","type":"post","link":"https:\/\/fazz.com\/id\/newsroom\/fazza\/perbedaan-deposito-dan-tabungan-mana-yang-lebih-untung\/","title":{"rendered":"Perbedaan Deposito dan Tabungan: Mana yang Lebih Untung?"},"content":{"rendered":"<p>Perbedaan deposito dan tabungan yang paling mendasar terletak pada likuiditas dan bunga: tabungan bisa ditarik kapan saja dengan bunga rendah, sementara deposito harus mengendap selama tenor tertentu namun menawarkan bunga yang jauh lebih tinggi. Memahami perbedaan ini penting agar dana yang kamu simpan benar-benar sesuai dengan tujuan keuangan, bukan sekadar ikut-ikutan produk yang sedang populer.<\/p>\n<p><\/span><\/p>\n<p style=\"padding:0;margin:0;color:#000000;font-size:11pt;font-family:\"><span style=\"color:#000000;font-weight:400;text-decoration:none;vertical-align:baseline;font-size:11pt;font-family:\"><\/span><\/p>\n<p style=\"padding:0;margin:0;color:#000000;font-size:11pt;font-family:\"><span style=\"color:#000000;font-weight:400;text-decoration:none;vertical-align:baseline;font-size:11pt;font-family:\"><\/p>\n<h2>Deposito dan Tabungan: Definisi Singkat<\/h2>\n<p><\/span><\/p>\n<p style=\"padding:0;margin:0;color:#000000;font-size:11pt;font-family:\"><span style=\"color:#000000;font-weight:400;text-decoration:none;vertical-align:baseline;font-size:11pt;font-family:\"><\/span><\/p>\n<p style=\"padding:0;margin:0;color:#000000;font-size:11pt;font-family:\"><span style=\"color:#000000;font-weight:400;text-decoration:none;vertical-align:baseline;font-size:11pt;font-family:\"><\/p>\n<p>Tabungan adalah produk simpanan bank yang dananya dapat disetor dan ditarik sewaktu-waktu melalui ATM, aplikasi, atau teller. Karena sifatnya yang cair, bunga tabungan umumnya kecil, biasanya di bawah 3% per tahun untuk bank konvensional.<\/p>\n<p><\/span><\/p>\n<p style=\"padding:0;margin:0;color:#000000;font-size:11pt;font-family:\"><span style=\"color:#000000;font-weight:400;text-decoration:none;vertical-align:baseline;font-size:11pt;font-family:\"><\/span><\/p>\n<p style=\"padding:0;margin:0;color:#000000;font-size:11pt;font-family:\"><span style=\"color:#000000;font-weight:400;text-decoration:none;vertical-align:baseline;font-size:11pt;font-family:\"><\/p>\n<p>Deposito adalah produk simpanan berjangka di mana nasabah menitipkan dana untuk periode tertentu, misalnya 1, 3, 6, atau 12 bulan, dan tidak bisa dicairkan sebelum jatuh tempo tanpa dikenai penalti. Sebagai kompensasi atas keterikatan waktu ini, bank memberikan bunga deposito yang jauh lebih tinggi dibanding tabungan biasa.<\/p>\n<p><\/span><\/p>\n<p style=\"padding:0;margin:0;color:#000000;font-size:11pt;font-family:\"><span style=\"color:#000000;font-weight:400;text-decoration:none;vertical-align:baseline;font-size:11pt;font-family:\"><\/span><\/p>\n<p style=\"padding:0;margin:0;color:#000000;font-size:11pt;font-family:\"><span style=\"color:#000000;font-weight:400;text-decoration:none;vertical-align:baseline;font-size:11pt;font-family:\"><\/p>\n<p>Keduanya sama-sama berfungsi sebagai instrumen simpanan berisiko rendah, tetapi dirancang untuk kebutuhan yang berbeda: tabungan untuk transaksi harian dan dana darurat, deposito untuk mengoptimalkan dana yang tidak akan dipakai dalam waktu dekat.<\/p>\n<p><\/span><\/p>\n<p style=\"padding:0;margin:0;color:#000000;font-size:11pt;font-family:\"><span style=\"color:#000000;font-weight:400;text-decoration:none;vertical-align:baseline;font-size:11pt;font-family:\"><\/span><\/p>\n<p style=\"padding:0;margin:0;color:#000000;font-size:11pt;font-family:\"><span style=\"color:#000000;font-weight:400;text-decoration:none;vertical-align:baseline;font-size:11pt;font-family:\"><\/p>\n<h2>7 Perbedaan Utama Deposito dan Tabungan<\/h2>\n<p><\/span><\/p>\n<p style=\"padding:0;margin:0;color:#000000;font-size:11pt;font-family:\"><span style=\"color:#000000;font-weight:400;text-decoration:none;vertical-align:baseline;font-size:11pt;font-family:\"><\/span><\/p>\n<p style=\"padding:0;margin:0;color:#000000;font-size:11pt;font-family:\"><span style=\"color:#000000;font-weight:400;text-decoration:none;vertical-align:baseline;font-size:11pt;font-family:\"><\/p>\n<ul><\/span><\/p>\n<p style=\"padding:0;margin:0;color:#000000;font-size:11pt;font-family:\"><span style=\"color:#000000;font-weight:400;text-decoration:none;vertical-align:baseline;font-size:11pt;font-family:\"><\/p>\n<li><strong>Likuiditas.<\/strong> Tabungan bisa ditarik kapan saja, sedangkan deposito baru bisa dicairkan penuh saat jatuh tempo.<\/li>\n<p><\/span><\/p>\n<p style=\"padding:0;margin:0;color:#000000;font-size:11pt;font-family:\"><span style=\"color:#000000;font-weight:400;text-decoration:none;vertical-align:baseline;font-size:11pt;font-family:\"><\/p>\n<li><strong>Besaran bunga.<\/strong> Deposito menawarkan bunga jauh lebih tinggi karena dana mengendap dalam periode pasti, sementara bunga tabungan cenderung minim.<\/li>\n<p><\/span><\/p>\n<p style=\"padding:0;margin:0;color:#000000;font-size:11pt;font-family:\"><span style=\"color:#000000;font-weight:400;text-decoration:none;vertical-align:baseline;font-size:11pt;font-family:\"><\/p>\n<li><strong>Jangka waktu.<\/strong> Tabungan tidak memiliki batas waktu penyimpanan, deposito memiliki tenor tetap yang disepakati di awal.<\/li>\n<p><\/span><\/p>\n<p style=\"padding:0;margin:0;color:#000000;font-size:11pt;font-family:\"><span style=\"color:#000000;font-weight:400;text-decoration:none;vertical-align:baseline;font-size:11pt;font-family:\"><\/p>\n<li><strong>Penalti pencairan dini.<\/strong> Deposito yang dicairkan sebelum jatuh tempo umumnya dikenai denda atau kehilangan sebagian bunga; tabungan tidak memiliki penalti serupa.<\/li>\n<p><\/span><\/p>\n<p style=\"padding:0;margin:0;color:#000000;font-size:11pt;font-family:\"><span style=\"color:#000000;font-weight:400;text-decoration:none;vertical-align:baseline;font-size:11pt;font-family:\"><\/p>\n<li><strong>Fungsi transaksi.<\/strong> Tabungan dilengkapi kartu debit dan bisa dipakai untuk transfer maupun pembayaran, sedangkan deposito murni instrumen simpanan, bukan alat transaksi.<\/li>\n<p><\/span><\/p>\n<p style=\"padding:0;margin:0;color:#000000;font-size:11pt;font-family:\"><span style=\"color:#000000;font-weight:400;text-decoration:none;vertical-align:baseline;font-size:11pt;font-family:\"><\/p>\n<li><strong>Setoran minimum.<\/strong> Tabungan biasanya bisa dibuka dengan nominal kecil, sementara deposito sering mensyaratkan setoran awal minimum yang lebih besar.<\/li>\n<p><\/span><\/p>\n<p style=\"padding:0;margin:0;color:#000000;font-size:11pt;font-family:\"><span style=\"color:#000000;font-weight:400;text-decoration:none;vertical-align:baseline;font-size:11pt;font-family:\"><\/p>\n<li><strong>Pajak bunga.<\/strong> Bunga deposito di bank umum dikenai pajak penghasilan final sebesar 20%, sementara pajak bunga tabungan mengikuti ketentuan tersendiri dan umumnya berlaku untuk saldo di atas ambang batas tertentu.<\/li>\n<p><\/span><\/p>\n<p style=\"padding:0;margin:0;color:#000000;font-size:11pt;font-family:\"><span style=\"color:#000000;font-weight:400;text-decoration:none;vertical-align:baseline;font-size:11pt;font-family:\"><\/ul>\n<p><\/span><\/p>\n<p style=\"padding:0;margin:0;color:#000000;font-size:11pt;font-family:\"><span style=\"color:#000000;font-weight:400;text-decoration:none;vertical-align:baseline;font-size:11pt;font-family:\"><\/span><\/p>\n<p style=\"padding:0;margin:0;color:#000000;font-size:11pt;font-family:\"><span style=\"color:#000000;font-weight:400;text-decoration:none;vertical-align:baseline;font-size:11pt;font-family:\"><\/p>\n<h2>Perbandingan Suku Bunga Terbaru 2026<\/h2>\n<p><\/span><\/p>\n<p style=\"padding:0;margin:0;color:#000000;font-size:11pt;font-family:\"><span style=\"color:#000000;font-weight:400;text-decoration:none;vertical-align:baseline;font-size:11pt;font-family:\"><\/span><\/p>\n<p style=\"padding:0;margin:0;color:#000000;font-size:11pt;font-family:\"><span style=\"color:#000000;font-weight:400;text-decoration:none;vertical-align:baseline;font-size:11pt;font-family:\"><\/p>\n<p>Suku bunga simpanan berubah mengikuti kebijakan suku bunga acuan Bank Indonesia dan strategi masing-masing penyedia layanan keuangan. Berikut gambaran kisaran bunga tabungan dan deposito yang berlaku di pasar pada 2026.<\/p>\n<p><\/span><\/p>\n<p style=\"padding:0;margin:0;color:#000000;font-size:11pt;font-family:\"><span style=\"color:#000000;font-weight:400;text-decoration:none;vertical-align:baseline;font-size:11pt;font-family:\"><\/span><\/p>\n<p style=\"padding:0;margin:0;color:#000000;font-size:11pt;font-family:\"><span style=\"color:#000000;font-weight:400;text-decoration:none;vertical-align:baseline;font-size:11pt;font-family:\"><\/p>\n<table><\/span><\/p>\n<p style=\"padding:0;margin:0;color:#000000;font-size:11pt;font-family:\"><span style=\"color:#000000;font-weight:400;text-decoration:none;vertical-align:baseline;font-size:11pt;font-family:\"><\/p>\n<tr>\n<th>Jenis Penyedia<\/th>\n<th>Bunga Tabungan<\/th>\n<th>Bunga Deposito<\/th>\n<\/tr>\n<p><\/span><\/p>\n<p style=\"padding:0;margin:0;color:#000000;font-size:11pt;font-family:\"><span style=\"color:#000000;font-weight:400;text-decoration:none;vertical-align:baseline;font-size:11pt;font-family:\"><\/p>\n<tr>\n<td>Bank konvensional<\/td>\n<td>Kurang dari 1% &#8211; 2% per tahun<\/td>\n<td>3% &#8211; 5% per tahun<\/td>\n<\/tr>\n<p><\/span><\/p>\n<p style=\"padding:0;margin:0;color:#000000;font-size:11pt;font-family:\"><span style=\"color:#000000;font-weight:400;text-decoration:none;vertical-align:baseline;font-size:11pt;font-family:\"><\/p>\n<tr>\n<td>Bank digital umum (OCBC, DBS, blu, Bank Sinarmas, dan sejenisnya)<\/td>\n<td>3% &#8211; 5% per tahun<\/td>\n<td>4,75% &#8211; 6% per tahun<\/td>\n<\/tr>\n<p><\/span><\/p>\n<p style=\"padding:0;margin:0;color:#000000;font-size:11pt;font-family:\"><span style=\"color:#000000;font-weight:400;text-decoration:none;vertical-align:baseline;font-size:11pt;font-family:\"><\/p>\n<tr>\n<td>Fazza (aplikasi keuangan digital berbasis koperasi)<\/td>\n<td>Hingga 6,5% per tahun untuk dana idle<\/td>\n<td>Hingga 9% per tahun<\/td>\n<\/tr>\n<p><\/span><\/p>\n<p style=\"padding:0;margin:0;color:#000000;font-size:11pt;font-family:\"><span style=\"color:#000000;font-weight:400;text-decoration:none;vertical-align:baseline;font-size:11pt;font-family:\"><\/table>\n<p><\/span><\/p>\n<p style=\"padding:0;margin:0;color:#000000;font-size:11pt;font-family:\"><span style=\"color:#000000;font-weight:400;text-decoration:none;vertical-align:baseline;font-size:11pt;font-family:\"><\/span><\/p>\n<p style=\"padding:0;margin:0;color:#000000;font-size:11pt;font-family:\"><span style=\"color:#000000;font-weight:400;text-decoration:none;vertical-align:baseline;font-size:11pt;font-family:\"><\/p>\n<p>Sebagai patokan tambahan, <a href=\"https:\/\/lps.go.id\/\">Lembaga Penjamin Simpanan<\/a> menetapkan tingkat bunga penjaminan simpanan rupiah di bank umum sebesar 3,50% per tahun untuk periode berlaku 1 Juni hingga 30 September 2026. Artinya, bunga simpanan di bank umum yang berada di atas angka ini berisiko tidak dijamin penuh oleh LPS, sehingga penting untuk selalu mengecek besaran bunga penjaminan yang berlaku sebelum menempatkan dana dalam jumlah besar.<\/p>\n<p><\/span><\/p>\n<p style=\"padding:0;margin:0;color:#000000;font-size:11pt;font-family:\"><span style=\"color:#000000;font-weight:400;text-decoration:none;vertical-align:baseline;font-size:11pt;font-family:\"><\/span><\/p>\n<p style=\"padding:0;margin:0;color:#000000;font-size:11pt;font-family:\"><span style=\"color:#000000;font-weight:400;text-decoration:none;vertical-align:baseline;font-size:11pt;font-family:\"><\/p>\n<p>Perlu dicatat, Fazza merupakan aplikasi keuangan digital berbasis koperasi, bukan bank umum, sehingga skema perlindungan dananya berbeda dari skema penjaminan LPS untuk bank. Pastikan membaca syarat dan ketentuan produk secara lengkap di aplikasi sebelum memutuskan menyimpan dana dalam jumlah besar.<\/p>\n<p><\/span><\/p>\n<p style=\"padding:0;margin:0;color:#000000;font-size:11pt;font-family:\"><span style=\"color:#000000;font-weight:400;text-decoration:none;vertical-align:baseline;font-size:11pt;font-family:\"><\/span><\/p>\n<p style=\"padding:0;margin:0;color:#000000;font-size:11pt;font-family:\"><span style=\"color:#000000;font-weight:400;text-decoration:none;vertical-align:baseline;font-size:11pt;font-family:\"><\/p>\n<h2>Kapan Sebaiknya Memilih Deposito, Kapan Tabungan<\/h2>\n<p><\/span><\/p>\n<p style=\"padding:0;margin:0;color:#000000;font-size:11pt;font-family:\"><span style=\"color:#000000;font-weight:400;text-decoration:none;vertical-align:baseline;font-size:11pt;font-family:\"><\/span><\/p>\n<p style=\"padding:0;margin:0;color:#000000;font-size:11pt;font-family:\"><span style=\"color:#000000;font-weight:400;text-decoration:none;vertical-align:baseline;font-size:11pt;font-family:\"><\/p>\n<p>Pilihan antara deposito dan tabungan sebaiknya mengikuti tujuan dan jangka waktu penggunaan dana, bukan semata-mata angka bunga yang ditawarkan.<\/p>\n<p><\/span><\/p>\n<p style=\"padding:0;margin:0;color:#000000;font-size:11pt;font-family:\"><span style=\"color:#000000;font-weight:400;text-decoration:none;vertical-align:baseline;font-size:11pt;font-family:\"><\/span><\/p>\n<p style=\"padding:0;margin:0;color:#000000;font-size:11pt;font-family:\"><span style=\"color:#000000;font-weight:400;text-decoration:none;vertical-align:baseline;font-size:11pt;font-family:\"><\/p>\n<h3>Pilih Tabungan Jika<\/h3>\n<p><\/span><\/p>\n<p style=\"padding:0;margin:0;color:#000000;font-size:11pt;font-family:\"><span style=\"color:#000000;font-weight:400;text-decoration:none;vertical-align:baseline;font-size:11pt;font-family:\"><\/p>\n<ul><\/span><\/p>\n<p style=\"padding:0;margin:0;color:#000000;font-size:11pt;font-family:\"><span style=\"color:#000000;font-weight:400;text-decoration:none;vertical-align:baseline;font-size:11pt;font-family:\"><\/p>\n<li>Dana digunakan untuk transaksi harian, gaji, atau operasional bisnis.<\/li>\n<p><\/span><\/p>\n<p style=\"padding:0;margin:0;color:#000000;font-size:11pt;font-family:\"><span style=\"color:#000000;font-weight:400;text-decoration:none;vertical-align:baseline;font-size:11pt;font-family:\"><\/p>\n<li>Kamu sedang membangun dana darurat yang harus selalu bisa diakses.<\/li>\n<p><\/span><\/p>\n<p style=\"padding:0;margin:0;color:#000000;font-size:11pt;font-family:\"><span style=\"color:#000000;font-weight:400;text-decoration:none;vertical-align:baseline;font-size:11pt;font-family:\"><\/p>\n<li>Belum yakin kapan dana akan dibutuhkan dalam waktu dekat.<\/li>\n<p><\/span><\/p>\n<p style=\"padding:0;margin:0;color:#000000;font-size:11pt;font-family:\"><span style=\"color:#000000;font-weight:400;text-decoration:none;vertical-align:baseline;font-size:11pt;font-family:\"><\/ul>\n<p><\/span><\/p>\n<p style=\"padding:0;margin:0;color:#000000;font-size:11pt;font-family:\"><span style=\"color:#000000;font-weight:400;text-decoration:none;vertical-align:baseline;font-size:11pt;font-family:\"><\/span><\/p>\n<p style=\"padding:0;margin:0;color:#000000;font-size:11pt;font-family:\"><span style=\"color:#000000;font-weight:400;text-decoration:none;vertical-align:baseline;font-size:11pt;font-family:\"><\/p>\n<h3>Pilih Deposito Jika<\/h3>\n<p><\/span><\/p>\n<p style=\"padding:0;margin:0;color:#000000;font-size:11pt;font-family:\"><span style=\"color:#000000;font-weight:400;text-decoration:none;vertical-align:baseline;font-size:11pt;font-family:\"><\/p>\n<ul><\/span><\/p>\n<p style=\"padding:0;margin:0;color:#000000;font-size:11pt;font-family:\"><span style=\"color:#000000;font-weight:400;text-decoration:none;vertical-align:baseline;font-size:11pt;font-family:\"><\/p>\n<li>Ada dana menganggur yang dipastikan tidak akan dipakai selama beberapa bulan ke depan.<\/li>\n<p><\/span><\/p>\n<p style=\"padding:0;margin:0;color:#000000;font-size:11pt;font-family:\"><span style=\"color:#000000;font-weight:400;text-decoration:none;vertical-align:baseline;font-size:11pt;font-family:\"><\/p>\n<li>Tujuan keuangan bersifat jangka menengah, misalnya tabungan pendidikan atau uang muka rumah dalam 1-2 tahun.<\/li>\n<p><\/span><\/p>\n<p style=\"padding:0;margin:0;color:#000000;font-size:11pt;font-family:\"><span style=\"color:#000000;font-weight:400;text-decoration:none;vertical-align:baseline;font-size:11pt;font-family:\"><\/p>\n<li>Kamu ingin memaksimalkan imbal hasil tanpa mengambil risiko investasi pasar.<\/li>\n<p><\/span><\/p>\n<p style=\"padding:0;margin:0;color:#000000;font-size:11pt;font-family:\"><span style=\"color:#000000;font-weight:400;text-decoration:none;vertical-align:baseline;font-size:11pt;font-family:\"><\/ul>\n<p><\/span><\/p>\n<p style=\"padding:0;margin:0;color:#000000;font-size:11pt;font-family:\"><span style=\"color:#000000;font-weight:400;text-decoration:none;vertical-align:baseline;font-size:11pt;font-family:\"><\/span><\/p>\n<p style=\"padding:0;margin:0;color:#000000;font-size:11pt;font-family:\"><span style=\"color:#000000;font-weight:400;text-decoration:none;vertical-align:baseline;font-size:11pt;font-family:\"><\/p>\n<p>Banyak orang pada akhirnya membagi dana ke dalam kombinasi keduanya: sebagian di tabungan untuk kebutuhan darurat dan likuiditas, sebagian lagi di deposito untuk dana yang sudah pasti tidak akan digunakan dalam waktu dekat.<\/p>\n<p><\/span><\/p>\n<p style=\"padding:0;margin:0;color:#000000;font-size:11pt;font-family:\"><span style=\"color:#000000;font-weight:400;text-decoration:none;vertical-align:baseline;font-size:11pt;font-family:\"><\/span><\/p>\n<p style=\"padding:0;margin:0;color:#000000;font-size:11pt;font-family:\"><span style=\"color:#000000;font-weight:400;text-decoration:none;vertical-align:baseline;font-size:11pt;font-family:\"><\/p>\n<h2>Simulasi Perhitungan Bunga Sederhana<\/h2>\n<p><\/span><\/p>\n<p style=\"padding:0;margin:0;color:#000000;font-size:11pt;font-family:\"><span style=\"color:#000000;font-weight:400;text-decoration:none;vertical-align:baseline;font-size:11pt;font-family:\"><\/span><\/p>\n<p style=\"padding:0;margin:0;color:#000000;font-size:11pt;font-family:\"><span style=\"color:#000000;font-weight:400;text-decoration:none;vertical-align:baseline;font-size:11pt;font-family:\"><\/p>\n<p>Berikut simulasi sederhana untuk dana Rp10.000.000 yang disimpan selama 12 bulan, untuk membandingkan potensi hasil di tabungan biasa dan deposito.<\/p>\n<p><\/span><\/p>\n<p style=\"padding:0;margin:0;color:#000000;font-size:11pt;font-family:\"><span style=\"color:#000000;font-weight:400;text-decoration:none;vertical-align:baseline;font-size:11pt;font-family:\"><\/span><\/p>\n<p style=\"padding:0;margin:0;color:#000000;font-size:11pt;font-family:\"><span style=\"color:#000000;font-weight:400;text-decoration:none;vertical-align:baseline;font-size:11pt;font-family:\"><\/p>\n<table><\/span><\/p>\n<p style=\"padding:0;margin:0;color:#000000;font-size:11pt;font-family:\"><span style=\"color:#000000;font-weight:400;text-decoration:none;vertical-align:baseline;font-size:11pt;font-family:\"><\/p>\n<tr>\n<th>Skenario<\/th>\n<th>Bunga per Tahun<\/th>\n<th>Bunga Kotor<\/th>\n<th>Estimasi Bunga Bersih<\/th>\n<\/tr>\n<p><\/span><\/p>\n<p style=\"padding:0;margin:0;color:#000000;font-size:11pt;font-family:\"><span style=\"color:#000000;font-weight:400;text-decoration:none;vertical-align:baseline;font-size:11pt;font-family:\"><\/p>\n<tr>\n<td>Tabungan bank konvensional (1,5%)<\/td>\n<td>1,5%<\/td>\n<td>Rp150.000<\/td>\n<td>Rp150.000 (umumnya belum kena pajak untuk saldo kecil)<\/td>\n<\/tr>\n<p><\/span><\/p>\n<p style=\"padding:0;margin:0;color:#000000;font-size:11pt;font-family:\"><span style=\"color:#000000;font-weight:400;text-decoration:none;vertical-align:baseline;font-size:11pt;font-family:\"><\/p>\n<tr>\n<td>Deposito bank umum (4%, pajak final 20%)<\/td>\n<td>4%<\/td>\n<td>Rp400.000<\/td>\n<td>Rp320.000<\/td>\n<\/tr>\n<p><\/span><\/p>\n<p style=\"padding:0;margin:0;color:#000000;font-size:11pt;font-family:\"><span style=\"color:#000000;font-weight:400;text-decoration:none;vertical-align:baseline;font-size:11pt;font-family:\"><\/p>\n<tr>\n<td>Deposito Fazza (9%, ilustrasi pajak 10%)<\/td>\n<td>9%<\/td>\n<td>Rp900.000<\/td>\n<td>Rp810.000<\/td>\n<\/tr>\n<p><\/span><\/p>\n<p style=\"padding:0;margin:0;color:#000000;font-size:11pt;font-family:\"><span style=\"color:#000000;font-weight:400;text-decoration:none;vertical-align:baseline;font-size:11pt;font-family:\"><\/table>\n<p><\/span><\/p>\n<p style=\"padding:0;margin:0;color:#000000;font-size:11pt;font-family:\"><span style=\"color:#000000;font-weight:400;text-decoration:none;vertical-align:baseline;font-size:11pt;font-family:\"><\/span><\/p>\n<p style=\"padding:0;margin:0;color:#000000;font-size:11pt;font-family:\"><span style=\"color:#000000;font-weight:400;text-decoration:none;vertical-align:baseline;font-size:11pt;font-family:\"><\/p>\n<p>Rumus dasarnya adalah Bunga Kotor = (Nominal Simpanan x Suku Bunga x Tenor dalam bulan) \/ 12, kemudian dikurangi pajak final sesuai ketentuan produk masing-masing. Simulasi ini bersifat ilustratif; besaran bunga aktual bisa berubah sewaktu-waktu mengikuti kebijakan penyedia layanan, sehingga selalu cek suku bunga terbaru langsung di aplikasi sebelum menyimpan dana.<\/p>\n<p><\/span><\/p>\n<p style=\"padding:0;margin:0;color:#000000;font-size:11pt;font-family:\"><span style=\"color:#000000;font-weight:400;text-decoration:none;vertical-align:baseline;font-size:11pt;font-family:\"><\/span><\/p>\n<p style=\"padding:0;margin:0;color:#000000;font-size:11pt;font-family:\"><span style=\"color:#000000;font-weight:400;text-decoration:none;vertical-align:baseline;font-size:11pt;font-family:\"><\/p>\n<h2>Produk Tabungan dan Deposito dari Fazza<\/h2>\n<p><\/span><\/p>\n<p style=\"padding:0;margin:0;color:#000000;font-size:11pt;font-family:\"><span style=\"color:#000000;font-weight:400;text-decoration:none;vertical-align:baseline;font-size:11pt;font-family:\"><\/span><\/p>\n<p style=\"padding:0;margin:0;color:#000000;font-size:11pt;font-family:\"><span style=\"color:#000000;font-weight:400;text-decoration:none;vertical-align:baseline;font-size:11pt;font-family:\"><\/p>\n<p>Fazza menghadirkan dua jenis produk simpanan dalam satu aplikasi: tabungan dengan bunga harian untuk dana yang masih ingin tetap likuid, dan simpanan berjangka dengan bunga hingga 9% per tahun untuk dana yang bisa dikunci dalam periode tertentu. Kedua produk ini bisa dibuka sepenuhnya secara digital tanpa perlu datang ke kantor cabang.<\/p>\n<p><\/span><\/p>\n<p style=\"padding:0;margin:0;color:#000000;font-size:11pt;font-family:\"><span style=\"color:#000000;font-weight:400;text-decoration:none;vertical-align:baseline;font-size:11pt;font-family:\"><\/span><\/p>\n<p style=\"padding:0;margin:0;color:#000000;font-size:11pt;font-family:\"><span style=\"color:#000000;font-weight:400;text-decoration:none;vertical-align:baseline;font-size:11pt;font-family:\"><\/p>\n<p>Fitur kantong pada Fazza memudahkan pengguna memisahkan dana berdasarkan tujuan, misalnya dana darurat, dana liburan, atau modal usaha, sehingga alokasi antara kebutuhan likuid dan simpanan jangka panjang bisa dikelola dalam satu tampilan. Bagi pemilik usaha kecil, kombinasi tabungan yang fleksibel dan deposito berbunga tinggi ini juga bisa menjadi cara mengelola dana operasional sekaligus mengoptimalkan dana idle yang belum terpakai.<\/p>\n<p><\/span><\/p>\n<p style=\"padding:0;margin:0;color:#000000;font-size:11pt;font-family:\"><span style=\"color:#000000;font-weight:400;text-decoration:none;vertical-align:baseline;font-size:11pt;font-family:\"><\/span><\/p>\n<p style=\"padding:0;margin:0;color:#000000;font-size:11pt;font-family:\"><span style=\"color:#000000;font-weight:400;text-decoration:none;vertical-align:baseline;font-size:11pt;font-family:\"><\/p>\n<h2>FAQ<\/h2>\n<details>\n<summary>Apakah bunga deposito selalu lebih tinggi dari tabungan?<\/summary>\n<p>Ya, secara umum bunga deposito lebih tinggi karena bank atau penyedia layanan memiliki kepastian dana akan mengendap selama tenor tertentu, sehingga mereka bisa memberikan imbal hasil yang lebih besar dibanding tabungan yang sewaktu-waktu bisa ditarik.<\/p>\n<\/details>\n<details>\n<summary>Apakah deposito bisa dicairkan sebelum jatuh tempo?<\/summary>\n<p>Bisa, namun umumnya nasabah akan dikenai penalti berupa pemotongan bunga atau biaya administrasi, tergantung kebijakan masing-masing penyedia layanan. Selalu cek ketentuan pencairan dini sebelum membuka deposito.<\/p>\n<\/details>\n<details>\n<summary>Berapa modal minimum untuk membuka deposito?<\/summary>\n<p>Setoran minimum deposito bervariasi antar penyedia, mulai dari ratusan ribu rupiah di aplikasi digital hingga jutaan rupiah di bank konvensional. Aplikasi digital umumnya menawarkan setoran awal yang lebih ringan dibanding bank umum.<\/p>\n<\/details>\n<details>\n<summary>Apakah dana di deposito dan tabungan aman?<\/summary>\n<p>Simpanan di bank umum yang bunganya sesuai tingkat bunga penjaminan LPS dijamin hingga Rp2 miliar per nasabah per bank. Untuk platform non-bank seperti aplikasi keuangan berbasis koperasi, skema perlindungan dana berbeda dan perlu dicek langsung pada syarat dan ketentuan resmi masing-masing platform.<\/p>\n<\/details>\n<details>\n<summary>Apakah bisa punya tabungan dan deposito sekaligus dalam satu aplikasi?<\/summary>\n<p>Bisa. Beberapa aplikasi keuangan digital, termasuk Fazza, menyediakan produk tabungan dan simpanan berjangka dalam satu aplikasi sehingga pengguna bisa mengatur alokasi dana likuid dan dana jangka menengah tanpa harus membuka rekening di tempat berbeda.<\/p>\n<\/details>\n<p>Ingin dana harianmu tetap likuid sekaligus punya simpanan berjangka dengan bunga hingga 9% per tahun? Unduh aplikasi <a href=\"https:\/\/play.google.com\/store\/apps\/details?id=com.fazz.fazza_android&amp;referrer=utm_source%3DPR%26utm_medium%3DSEO%26utm_campaign%3Dfazza_SEO\">Fazza di Play Store<\/a> atau <a href=\"https:\/\/apps.apple.com\/id\/app\/fazza-tabungan-bunga-tinggi\/id6737800864?pt=SEO&amp;ct=SEO&amp;mt=SEO\">App Store<\/a>, lalu atur alokasi antara tabungan dan deposito sesuai tujuan keuanganmu langsung dari ponsel.<\/p>\n<p><\/span><\/p>\n<p style=\"padding:0;margin:0;color:#000000;font-size:11pt;font-family:\"><span style=\"color:#000000;font-weight:400;text-decoration:none;vertical-align:baseline;font-size:11pt;font-family:\"><\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Perbedaan deposito dan tabungan yang paling mendasar terletak pada likuiditas dan bunga: tabungan bisa ditarik kapan saja dengan bunga rendah, sementara deposito harus mengendap selama tenor tertentu namun menawarkan bunga yang jauh lebih tinggi. Memahami perbedaan ini penting agar dana yang kamu simpan benar-benar sesuai dengan tujuan keuangan, bukan sekadar ikut-ikutan produk yang sedang populer. [&hellip;]<\/p>\n","protected":false},"author":80,"featured_media":33026,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[592],"tags":[847,298,214,849,41,133,842],"class_list":["post-32996","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-fazza","tag-apa-itu-deposito","tag-articles","tag-bahasa","tag-deposito-vs-tabungan","tag-fazz","tag-indonesia","tag-keuntungan-deposito"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Perbedaan Deposito dan Tabungan: Mana yang Lebih Untung?<\/title>\n<meta name=\"description\" content=\"Kenali perbedaan deposito dan tabungan dari sisi bunga, likuiditas, dan pajak, lengkap dengan simulasi bunga dan perbandingan suku bunga 2026.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, 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