# BTN (Bank Tabungan Negara) / bale by BTN

> Source: https://docs.barcoder.ai/docs/wallets/btn-indonesia
> research date 2026-05-30 · extracted at 2026-10-07
> Publisher: Barcoder — encyclopedia of QR, barcode and payment-code standards

Specifications:
- [BTN — official](https://www.btn.co.id/)

## Overview

**BTN (Bank Tabungan Negara)** is **Indonesian state-controlled housing bank** + **Indonesia's largest mortgage lender by market share** <sup>[1][1], [2][2], [Indonesia report](https://docs.barcoder.ai/docs/payments/ID)</sup>. **Feb 10 2025**: BTN officially launches **bale by BTN super app** with 4-5M bale by BTN super app users target end-2025 (BTN distinctive Indonesian state housing banking digital transformation).

**Distinctive BTN positioning**:
- **Indonesian state-controlled housing bank** (Indonesian Republic Government Govt 60%+ controlling)
- **Indonesia's largest mortgage lender by market share** (distinctive Indonesian housing banking specialization)
- **Feb 10 2025 BTN officially launches bale by BTN super app** with **4-5M bale by BTN super app users target end-2025**
- **1897 Postspaarbank founding by Dutch colonial government in Batavia (now Jakarta)** → distinctive Indonesian colonial state postal savings bank heritage (BTN ultimate predecessor)
- **1976 Bank Tabungan Negara designated as Indonesian state housing financing bank**

## History

**1897 — Postspaarbank founded by Dutch colonial government in Batavia (now Jakarta)** → distinctive Indonesian colonial state postal savings bank heritage (BTN ultimate predecessor).

**1968 — Postspaarbank renamed Bank Tabungan Negara** post-Indonesian independence.

**1976 — Bank Tabungan Negara designated as Indonesian state housing financing bank** → distinctive Indonesian housing banking specialization.

**2009 — BTN IPO on IDX (Indonesia Stock Exchange)**.

**Feb 10 2025 — BTN officially launches bale by BTN super app** with 4-5M bale by BTN super app users target end-2025 <sup>[1][1], [2][2]</sup>.

## Ownership & operator

**Operating entity**: **PT Bank Tabungan Negara (Persero) Tbk** (IDX: BBTN).

**Major shareholders**: **Indonesian Republic Government (Govt Indonesia) 60%+ controlling + Indonesian institutional + Indonesian retail public float**.

**Regulators**: **OJK + BI**.

## Technical integration

**bale by BTN super app** (iOS + Android; Feb 10 2025 launch; 4-5M users target end-2025) + btn.co.id online + BTN cards (Visa + Mastercard) + BTN Indonesian branch network; QRIS + BI-FAST + Indonesian ACH (SKNBI) + Indonesian RTGS (BI-RTGS); **BTN distinctive Indonesian housing banking specialization** (KPR mortgage products + Indonesian housing financing).

## Users & growth

**End-2025 target**: 4-5M bale by BTN super app users (post-Feb 10 2025 official launch).

## Use cases

Indonesian retail + private + corporate + SME + housing + mortgage banking via bale by BTN super app + btn.co.id online + cards + branches; QRIS + BI-FAST + Indonesian ACH + RTGS; **BTN distinctive Indonesian housing banking specialization** (KPR mortgage products + Indonesian housing financing).

## Implementations & partners

**Operator**: PT Bank Tabungan Negara (Persero) Tbk (IDX: BBTN); **Indonesian Republic Government 60%+ controlling**.

**Major Indonesian banking competitors**: [Bank Mandiri (Livin' by Mandiri)](https://docs.barcoder.ai/docs/wallets/bank-mandiri) + [Bank Rakyat Indonesia (BRI)](https://docs.barcoder.ai/docs/wallets/bank-rakyat-indonesia) + [Bank Central Asia (BCA)](https://docs.barcoder.ai/docs/wallets/bank-central-asia) + [BNI Bank Negara Indonesia](https://docs.barcoder.ai/docs/wallets/bni-indonesia) + [CIMB Niaga / OCTO Mobile](https://docs.barcoder.ai/docs/wallets/cimb-niaga) + [Maybank Indonesia / M2U ID App](https://docs.barcoder.ai/docs/wallets/maybank-indonesia) + [OCBC NISP (Bank OCBC NISP Indonesia) / OCBC mobile Indonesia](https://docs.barcoder.ai/docs/wallets/ocbc-nisp) (OCBC Singapore Indonesian subsidiary; 2024 PT Bank Commonwealth Indonesia acquisition) + Panin Bank + BTPN.

**Regulators**: OJK + BI.

## Fun facts

- **Indonesian state-controlled housing bank** (Indonesian Republic Government Govt 60%+ controlling).
- **Indonesia's largest mortgage lender by market share** (distinctive Indonesian housing banking specialization).
- **Feb 10 2025 BTN officially launches bale by BTN super app** with **4-5M bale by BTN super app users target end-2025**.
- **1897 Postspaarbank founding by Dutch colonial government in Batavia (now Jakarta)** → distinctive Indonesian colonial state postal savings bank heritage.
- **1976 Bank Tabungan Negara designated as Indonesian state housing financing bank** → distinctive Indonesian housing banking specialization.

## Comparison

| Feature | BTN / bale by BTN | [Bank Mandiri (Livin' by Mandiri)](https://docs.barcoder.ai/docs/wallets/bank-mandiri) (Indonesia #1 state-controlled rival) | [Bank Rakyat Indonesia (BRI)](https://docs.barcoder.ai/docs/wallets/bank-rakyat-indonesia) (Indonesia #2 + largest microfinance rival) | [Bank Central Asia (BCA)](https://docs.barcoder.ai/docs/wallets/bank-central-asia) (Indonesia #1 private + Hartono family rival) | [BNI Bank Negara Indonesia](https://docs.barcoder.ai/docs/wallets/bni-indonesia) (Indonesia #4 state-controlled rival) |
|---|---|---|---|---|---|
| Operator | **PT Bank Tabungan Negara (Persero) Tbk (IDX: BBTN; Govt Indonesia 60%+)** | PT Bank Mandiri (Persero) Tbk (IDX: BMRI) | PT Bank Rakyat Indonesia (Persero) Tbk (IDX: BBRI) | PT Bank Central Asia Tbk (IDX: BBCA) | PT Bank Negara Indonesia (Persero) Tbk (IDX: BBNI) |
| Type | **Indonesian state-controlled housing bank + Indonesia's largest mortgage lender by market share + Feb 10 2025 bale by BTN super app launch + 4-5M users target end-2025** | Indonesia #1 state-controlled + Livin' by Mandiri 25M+ MAU | Indonesia #2 state-controlled + Indonesia's largest microfinance bank + BRImo 40M+ MAU | Indonesia #1 private + Hartono family + myBCA 30M+ MAU | Indonesia #4 state-controlled + BNI Mobile Banking |
| Country | ID | ID + 5+ countries | ID + 4+ countries | ID + 4+ countries | ID + 6+ countries |
| Distinctive | **1897 Postspaarbank founding by Dutch colonial government in Batavia (now Jakarta) - Indonesian colonial state postal savings bank heritage; 1968 renamed Bank Tabungan Negara post-Indonesian independence; 1976 designated as Indonesian state housing financing bank; 2009 IDX IPO; Feb 10 2025 bale by BTN super app official launch** | 1998 4 Indonesian state banks merger | 1895 founding (world's oldest microfinance bank) | 1957 founding by Sudono Salim; 2003 Hartono family acquisition | 1946 BNI founding |

## Status

**Active, Indonesian state-controlled housing bank + Indonesia's largest mortgage lender by market share** <sup>[1][1], [2][2]</sup>:
- **PT Bank Tabungan Negara (Persero) Tbk (IDX: BBTN; Govt Indonesia 60%+)** since 1897 Postspaarbank founding + 1968 renamed BTN + 1976 designated as Indonesian state housing financing bank + 2009 IDX IPO.
- **Feb 10 2025 bale by BTN super app official launch + 4-5M users target end-2025**.
- **OJK + BI regulated**.

## Sources

[1]: https://www.btn.co.id/id/about/gallery/news/news/listing/2025/02/10/btn-resmi-luncurkan-bale-by-btn "BTN Resmi Luncurkan Bale by BTN — PT Bank Tabungan Negara (Persero) Tbk"
[2]: https://www.metrotvnews.com/read/NQACY6MM-dongkrak-dpk-btn-bidik-5-juta-pengguna-super-app-hingga-akhir-2025 "Dongkrak DPK, BTN Bidik 5 Juta Pengguna Super App hingga Akhir 2025 — Metro TV News"
[id-cro]: https://docs.barcoder.ai/docs/payments/ID

- [1] [BTN Resmi Luncurkan Bale by BTN — PT Bank Tabungan Negara (Persero) Tbk][1]
- [2] [Dongkrak DPK, BTN Bidik 5 Juta Pengguna Super App hingga Akhir 2025 — Metro TV News][2]
- <sup>[Indonesia report](https://docs.barcoder.ai/docs/payments/ID)</sup> In-corpus: `reports/countries/ID-indonesia.md`

## Source

Biography extracted from [btn-indonesia.md](https://docs.barcoder.ai/source/wallets/btn-indonesia). See `matrix.md` for standards-support matrix if present.