How to Open a Bank Account in Indonesia for International Visitors

How to Open a Bank Account in Indonesia for International Visitors

Foreigners have various purposes such as study, work, business, or vacation when they come to Indonesia. Whatever the reason is, it is more convenient to stay in Indonesia while having a bank account in the country. Special for you as a visitor from a faraway country, here is how to open a bank account in Indonesia.

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Things That are Required

As a person from another country, the requirement to open an Indonesian bank account is clearly not the same with the locals. For that, the basic requirements to open a personal bank account are as follows:

  • ID or passport
  • Temporary resident permit (KITAS)
  • Be at least 21 years old
  • Your photos (4cm x 6cm)
  • The initial deposit of IDR 1,000,000 (if you prefer to use another currency, the deposit will be USD 1,000, EUR 1,000, GBP 1,000, AUD 2,000, CHF 2,000, SGD 2,500, HKD 10,000, or JPY 150,000)

Those are the basic requirements on how to open a bank account in Indonesia. However, you may need to prepare some additional documents if the bank that you choose has its own rules.


Step by Step of How to Open a Bank Account in Indonesia

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Source : Envato

The beginning process of opening a bank account can be done anywhere with your gadgets. However, it would be easier if you come to a branch of the bank that you choose for that purpose to make sure everything is clear. Moreover, if you make your account online, you will need to finish it at a branch in person anyway.

The following is the guide on how to open a bank account in Indonesia offline:

  1. Prepare all of the requirements mentioned above, as well as some additional ones if needed.
  2. Visit the most reachable branch of the bank that you choose.
  3. Tell security about your purpose in coming to the branch so they can get you on the waiting list for customer service.
  4. When it is your turn, customer service will tell you everything that you need to know about how to open a bank account in Indonesia.
  5. Choose a type of account you want to create between a checking account, a savings account, or a recurring deposit account.
  6. Fill out the given forms with your own details.
  7. Pay the initial deposit to the teller.
  8. You will be given an ATM card and sometimes a savings book. After that, your bank account will be ready to use.

Some of the Best Indonesian Banks to Open Your Accounts

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Source : Envato

When it comes to how to open a bank account in Indonesia, there are more than 100 options that you can choose from. Those choices include banks that are owned by the government, privates, as well as international ones that you may be familiar with.

Nevertheless, as one of the reasons for you to open an Indonesian bank account is for convenience, it is recommended that you choose between these four of the most user-friendly banks available, particularly for foreigners.

Bank Central Asia (BCA)

Unlike the other three recommended banks for foreigners, BCA is a privately owned bank that is also the biggest of its kind. Some people even think that it is the best bank in Indonesia. You can find the bank’s branches and ATMs almost anywhere, as easily as gas stations.

Bank Mandiri

Another popular bank in Indonesia is Bank Mandiri. Its ATMs and branches are also spread nationwide, but the government owns it. Many people have chosen to be its loyal clients as Bank Mandiri offers some convenient services.

Bank Negara Indonesia (BNI)

If the name needs to be clarified already, BNI is one of the most well-known state-owned banks in Indonesia. If you are from New York or London, you may have recognized this bank as it has branches there as well.

Bank Rakyat Indonesia (BRI)

The last recommended bank, BRI, is as popular as the other three. It is also a bank that has the most number of customers from outside of major cities due to the services it provides.


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Now that you know how to open a bank account in Indonesia, it is time to create one of your own. Then, for a much more convenient life, complement your bank account with Flip Globe, which will assist you with international transactions.

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