BIONS is the online investment service of PT BNI Sekuritas. Regular and Sharia accounts have no initial deposit requirement in the published online tariff; a margin account requires IDR 50 million. The One Day Trade facility is a separate approved arrangement, with a lower dealing tariff and much stricter same-day exit rules.[1][3][8]
Broker essentials01
BNI Sekuritas (BIONS) at a glance
| Measure | Value | Context |
|---|---|---|
| Legal operator | PT BNI Sekuritas | Source 8 |
| Market member reference | NI in Indonesia SIPF’s member list | Source 8 |
| Online share dealing | Buy 0.17%; sell 0.27% | Source 1Source 2 |
| Initial deposit | Regular/Sharia: none stated as required; margin: IDR 50m | Source 1 |
| Normal share settlement | T+2; the margin financing term is separate | Source 1Source 2 |
| One Day Trade | IDR 25m opening funds; supplementary agreement required | Source 3 |
Accounts and eligibility
Sections ↑At a glance02
Published account choices
| Account | Funding and purpose |
|---|---|
| Regular | No required initial deposit in the online table; general cash-market investment accountSource 1Source 2Source 3 |
| Sharia | No required initial deposit; trades eligible Sharia securitiesSource 1Source 2Source 3 |
| Margin | IDR 50m initial deposit; borrowing against eligible securities under a separate agreementSource 1Source 2Source 3 |
| One Day Trade | Existing regular account, approved supplementary form submitted as an original hard copy to a BNI Sekuritas office, and at least IDR 25mSource 1Source 2Source 3 |
At a glance03
Online application information
| Item | Requirement |
|---|---|
| Identity | e-KTP and identity/selfie documentsSource 2 |
| Financial information | Tax identification and personal bank-account information requested in the FAQSource 2 |
| Signature and review | Complete the application and pass verificationSource 2 |
| After approval | BNI supplies account identifiers and access information, including RDN and securities subaccount detailsSource 2 |
At a glance04
Account identifiers in BIONS
Markets and products
Sections ↑At a glance05
BIONS investment range
| Product | Practical distinction |
|---|---|
| Indonesian shares | Exchange dealing; account and settlement rules applySource 1Source 2 |
| Mutual funds | Fund-manager and custodian processing rather than immediate exchange executionSource 1Source 2 |
| Retail asset-backed securities | EBA products have their own issuer, cash-flow and liquidity risksSource 1Source 2 |
| Retail government bonds | SBN registration, issue terms and subscription window govern purchasesSource 1Source 2 |
At a glance06
Retail government-bond account mechanics
| Item | Published rule |
|---|---|
| SBN account activation | One active account per SID in BIONS; if there are several broker accounts, the first registered SBN account is usedSource 2 |
| Coupon destination | The RDN of the user ID registered for the SBN transactionSource 2 |
| Moving coupon cash | Use the normal cash-withdrawal processSource 2 |
| Issue-specific terms | Coupon structure, maturity and early-redemption availability belong to the individual issueSource 2 |
Dealing fees and financing
Sections ↑At a glance07
Standard online share tariff
At a glance08
One Day Trade tariff
At a glance09
Late-completion charges in the online table
The 18% margin figure is labelled a late-completion fee. It should not be treated as a complete statement of ordinary margin-loan interest. The table’s 180-day entry concerns the margin financing arrangement; regular-market shares still settle on the exchange cycle. Obtain the accepted lending schedule before using credit.[1][2]
At a glance10
Withdrawal charges for banks outside BNI, BCA and Mandiri
| Route | Published charge |
|---|---|
| Clearing, amount below IDR 500m | IDR 3,000Source 4 |
| RTGS, amount above IDR 500m | IDR 30,000Source 4 |
| Exactly IDR 500m | The guide does not assign this boundary to either rowSource 4 |
| Deduction | The transfer charge reduces the amount paid to the clientSource 4 |
Platforms and order mechanics
Sections ↑At a glance11
Platform routes
At a glance12
One Day Trade buying capacity
| Measure | Contract rule |
|---|---|
| Calculated limit | Five times cash plus four times the portfolio value after the applicable haircutSource 3 |
| Overall cap | IDR 3bnSource 3 |
| Eligible trades | Selected shares in the regular marketSource 3 |
| Approval | Broker assessment and continuing eligibility; the formula is not an unconditional credit promiseSource 3 |
At a glance13
One Day Trade exit timetable
| Time or stage | Required action |
|---|---|
| By 15:30 WIB | Client must close the intraday positionsSource 3 |
| After 15:30 WIB | BIONS automatically suspends the ODT account and attempts forced sales of remaining positionsSource 3 |
| 15:40 WIB | The form provides for a further forced-sale attemptSource 3 |
| Execution risk | A sale instruction can fail to fill; liquidity and market conditions still matterSource 3 |
At a glance14
Unclosed One Day Trade positions
| Stage | Contract treatment |
|---|---|
| T+1 | Further sale attempt; trading can resume in the second session if shares are sold or the required funds suppliedSource 3 |
| T+2, first session | Remaining shares can be transferred to the regular accountSource 3 |
| T+2, second session | The form provides for resumption of One Day Trade after the transfer processSource 3 |
| Negative cash without shares | Transferred to the regular account on T+2; the client must cover the obligationSource 3 |
At a glance15
One Day Trade intraday risk test
| Condition | Contract response |
|---|---|
| Obligations exceed 90% of total stock-portfolio value | Broker may sell before the normal cutoffSource 3 |
| Sale objective | Reduce the stated ratio below 80%Source 3 |
| Choice of shares | Broker selects the securities to sellSource 3 |
| Residual shortfall | The agreement does not waive the client’s debt if sales are insufficientSource 3 |
Deposits, settlement and withdrawals
Sections ↑At a glance16
Cash and settlement distinctions
| Item | Practical treatment |
|---|---|
| Deposit instructions | Available through the BIONS profile menu for the client’s RDNSource 5Source 4 |
| Sale proceeds | The mobile guide permits withdrawal requests on the second day after the matched saleSource 5Source 4 |
| Trading limit | Displayed separately from cash; available buying power is not necessarily withdrawable cashSource 5Source 4 |
| Inactive destination bank | Update the registered account details before submitting the withdrawalSource 5Source 4 |
At a glance17
Withdrawal processing window
At a glance18
Mobile withdrawal sequence
| Step | Action |
|---|---|
| Destination | Check the prefilled registered bank detailsSource 4 |
| Amount and route | Enter the amount and select the displayed transfer routeSource 4 |
| Authorisation | Enter the trading PIN and confirm the consentSource 4 |
| Tracking | Use Withdraw List to check the submitted requestSource 4 |
Custody, security and investor protection
Sections ↑At a glance19
Custody and compensation eligibility
| Item | Published scope |
|---|---|
| Member identity | Indonesia SIPF lists PT BNI Sekuritas, code NISource 8Source 9 |
| Investor identification | Custodian account, securities subaccount at KSEI and a Single Investor Identification number are requiredSource 8Source 9 |
| Covered assets | Eligible securities held in custody and cash in an investor’s own RDN, subject to the scheme rulesSource 8Source 9 |
| Loss type | Failure to return protected assets; a fall in investment value is not a compensation eventSource 8Source 9 |
At a glance20
Published compensation ceilings
| Limit | Amount or condition |
|---|---|
| Per investor at one custodian | Maximum IDR 200 millionSource 10Source 9 |
| Total for one custodian | Maximum IDR 100 billionSource 10Source 9 |
| Decision | KEP-69/D.04/2020, signed 23 December 2020; effective 2 January 2021Source 10Source 9 |
| Application | A ceiling on an eligible accepted claim, not a guarantee of the account’s full valueSource 10Source 9 |
At a glance21
When a claim can proceed
| Stage | Scheme requirement |
|---|---|
| Regulatory trigger | OJK establishes the asset loss and the relevant custodian’s inability to return assets or continue the required businessSource 9 |
| Public notice | The fund announces the process within three working days of OJK’s orderSource 9 |
| Claim window | Submit within 30 working days of the announcementSource 9 |
| Excluded parties | Those responsible for the loss and specified controlling owners, managers and related parties cannot claimSource 9 |
At a glance22
Access and fraud controls
| Feature | Documented point |
|---|---|
| Credentials | Password and trading PIN are separate settingsSource 5Source 2Source 7 |
| Biometrics | Can be configured from the security menuSource 5Source 2Source 7 |
| Account lock or forgotten credentials | The FAQ directs clients to the broker’s recovery routeSource 5Source 2Source 7 |
| Impersonation | BNI warns against outside investment offers using BNI/BIONS branding; report them through the official customer-care addressSource 5Source 2Source 7 |
Support and contact routes
Sections ↑At a glance23
Official support
| Route | Contact |
|---|---|
| Telephone | 14016Source 6Source 5Source 7 |
| [email protected]Source 6Source 5Source 7 | |
| In-app directory | Contact Us in the BIONS profile menuSource 6Source 5Source 7 |
| Complaint or suspected fraud | Use the published broker channels and retain the transaction or communication evidenceSource 6Source 5Source 7 |
Reports and additional services
Sections ↑At a glance24
Account information and reporting
At a glance25
Fund dealing in the FAQ
| Item | Published treatment |
|---|---|
| Purchase charge | The FAQ says fund purchases through BNI Sekuritas carry no transaction feeSource 2 |
| Fund costs | The underlying fund still has its own operating charges and prospectus termsSource 2 |
| After 12:00 WIB | Orders are forwarded for the following business day’s processingSource 2 |
| SBN coupons | Credited to the registered RDN; withdrawal is a separate instructionSource 2 |
Operating company and service identity
Sections ↑At a glance26
Identity boundaries
| Name | Role |
|---|---|
| PT BNI Sekuritas | Securities company and BIONS operatorSource 8Source 6Source 1 |
| BIONS | Investment platform and service brandSource 8Source 6Source 1 |
| BNI banking relationship | The securities account is a broker relationship; a bank brand does not guarantee investment returnsSource 8Source 6Source 1 |
| Investor-protection reference | Indonesia SIPF member NISource 8Source 6Source 1 |
- Headquarters
- Indonesia
Legal entities & licences
These are source-dated records, not a blanket assessment of the broker. Read each issuer, identifier, status and scope together.
PT BNI Sekuritas
No separate licence entry is recorded in this panel.
Practical points before opening
Sections ↑At a glance27
Decisions that change the account economics
| Choice | Effect |
|---|---|
| Standard versus intraday account | Different fees, minimum funding and forced-sale obligationsSource 1Source 3Source 4Source 2 |
| Margin borrowing | Loan pricing and repayment terms need the accepted agreementSource 1Source 3Source 4Source 2 |
| Withdrawal bank | The guide charges specified transfers outside BNI, BCA and MandiriSource 1Source 3Source 4Source 2 |
| SBN account selection | Only one account per SID can be active for SBN in BIONSSource 1Source 3Source 4Source 2 |
Sources & further reading
- BNI Sekuritas: online account types, share fees and platforms BNI Sekuritas (BIONS) · Accessed 29 Oct 2026
- BIONS: account opening, product and account-recovery FAQs BNI Sekuritas (BIONS) · Accessed 27 Oct 2026
- BNI Sekuritas: One Day Trade supplementary account form, 2024 BNI Sekuritas (BIONS) · Accessed 29 Oct 2026
- BIONS: RDN withdrawal instructions and bank-transfer charges BNI Sekuritas (BIONS) · Accessed 27 Oct 2026
- BIONS: account profile, reports and security settings BNI Sekuritas (BIONS) · Accessed 27 Oct 2026
- BNI Sekuritas: official customer-care contacts BNI Sekuritas (BIONS) · Accessed 27 Oct 2026
- BNI Sekuritas: impersonation warning and official reporting route BNI Sekuritas (BIONS) · Accessed 27 Oct 2026
- Indonesia SIPF: current member list Indonesia SIPF · Accessed 27 Oct 2026
- Indonesia SIPF: protected assets, investor eligibility and claims Indonesia SIPF · Accessed 27 Oct 2026
- OJK KEP-69/D.04/2020: investor compensation limits, effective 2 January 2021 OJK / Indonesia SIPF · Accessed 27 Oct 2026
This profile reports dated public information, including broker-published services and terms. It does not independently test or guarantee execution, pricing or withdrawals. Inclusion is not an endorsement. Permissions and protections apply only to the named legal entity, service and client category; check the current official records and your contract.