Saving is one of the most important steps in building healthy finances. However, people often see savings only as a way to store money without any additional benefits. Honest, as a financial company focused on transparency and innovation, presents a new solution: Honest Savings.

This product is not just an ordinary savings account. Honest Savings combines the function of saving with a unique feature that can help you increase your Honest credit card limit. This means that every rupiah you save is not only a deposit but also capital to increase your financial trustworthiness.

What is Honest Savings?

Honest Savings is Honest's latest digital savings product that is directly integrated with the application. This feature allows users to save safely, flexibly, and easily monitored. However, what differentiates it from conventional savings is its added benefit: every amount you save will support the evaluation of your credit limit.

In other words, Honest Savings offers a new experience in managing finances where saving is not just about storing, but also about building long-term financial capacity.

Advantages of Honest Savings compared to ordinary savings

1. Credit limit can increase

Your savings are no longer passive. Honest Savings transforms saving habits into an opportunity to increase your Honest credit card limit. With a consistent balance, Honest can assess whether you are more worthy of greater credit trust.

2. 100% Transparency

Honest is known as a brand that prioritizes fair value with no hidden fees. Honest Savings follows the same principle. You can see all information clearly in the application, including savings progress and its impact on your credit limit.

3. 4% interest per year

Your money grows 4% every year, interest is calculated daily and disbursed monthly, 100% intact for you without any deductions. Interbank transfers are also free, as much as you want without a quota.

4. Safe and reliable

Supported by Bina Digital, a digital product from Bank INA, part of the Salim Group, Honest Savings is guaranteed to be safe and supervised by the Financial Services Authority (OJK) and Bank Indonesia.

5. Flexibility

You can use Honest Savings for various purposes: education savings, emergency funds, small business capital, or just daily savings. Everything can be adjusted according to your needs.

6. Practical from one application

No need to visit a branch or deal with complicated documents. Just use the Honest application, select the Savings menu, and start saving anytime, anywhere.

How can Honest Savings increase your credit limit?

One of the unique advantages of Honest Savings is its connection to your Honest credit card limit.

• Savings data as a financial indicator

When you save consistently, Honest has additional data to assess your financial stability.

• Consistency is a key factor

The more consistently you save, the greater the chance of your limit increasing.

• Symbiotic relationship

Your savings help Honest assess risk more accurately. In return, Honest provides appreciation in the form of an increased limit that can support your needs.

Why is Honest Savings relevant in the digital era?

In this digital era, people increasingly need financial products that are practical, safe, and provide added value.

Many digital savings accounts are only present to facilitate transactions. Honest Savings goes further: providing a direct relationship between saving activities and building credit capacity.

This is very relevant for the younger generation who want to:

• Get used to saving.
• Have access to a larger credit limit.
• Manage finances more transparently without hidden fee traps.

How to use Honest Savings

1. Update the Honest application to the latest version.
2. Go to the Savings menu in the application.
3. Deposit funds regularly according to your ability.
4. Monitor the progress of your savings balance and see how this contributes to an increase in your Honest Card credit limit.

Tips for maximizing Honest Savings

• Discipline in saving: Set a regular schedule, for example, at the beginning of each month, directly set aside funds.
• Start small, because consistency is more important: It doesn't matter if you start with a small amount; what's important is consistency.
• Monitor your credit limit: Check regularly whether your credit card limit increases along with the development of your savings.

Frequently Asked Questions

1. Is Honest Savings available to all users?

The Honest Savings feature is being rolled out in stages. Make sure your Honest application is updated so that this feature is available soon.

2. Is there an admin fee for using Honest Savings?

No. Honest is fully committed to transparency and fairness with no hidden fees.

3. How can my savings increase my credit limit?

By saving regularly, Honest can better assess your financial ability. Consistent saving will strengthen your financial profile so that your credit card limit can increase.

4. Is my money safe?

Yes. All funds are stored in official partner bank accounts supervised by the Financial Services Authority.

5. What is the difference from other digital savings?

In addition to the main function of saving, Honest Savings provides an extra benefit in the form of an increased Honest credit card limit, which ordinary digital savings do not have.

6. Is there a minimum deposit?

Details regarding the minimum deposit will be informed when the feature is officially launched in the Honest application.