Account Freeze Delays: YLKI Emphasizes Legal Compliance and Customer Rights

Indonesia's Consumer Protection Foundation (YLKI) has stressed that banks must adhere to legal orders concerning account freezes, ensuring customer rights are upheld throughout the process. Rio Priambodo, a member of YLKI, stated that while banks are legally bound to comply with valid court orders, the procedures and justifications for these actions must be accountable.

Priambodo clarified that freezing or temporarily suspending transactions on an account serves as a security measure and does not inherently signify that the account holder has committed a crime. He emphasized the importance of upholding the principle of presumed innocence during legal proceedings.

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The temporary suspension of transactions or freezing as a security measure does not automatically prove the account holder is guilty. The principle of presumed innocence must still be upheld.

"The temporary suspension of transactions or freezing as a security measure does not automatically prove the account holder is guilty. The principle of presumed innocence must still be upheld," Rio said on Wednesday (26/8/2026).

He further asserted that law enforcement and consumer protection can coexist. Banks can fulfill their legal obligations while customers should not be presumed guilty simply because their accounts are subject to security measures during an investigation.

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Banks must comply with legal orders, but the process and basis for the order must remain accountable.