The documents/materials required for opening an account in an Indonesian bank are as follows:

1, passport

2.KIMS (limited residence permit) /KITAS (temporary residence permit) /KITAP (permanent residence permit)

3. Tax Registration Number (NPWP)

4. ID photo

5. Proof of address

6. Work certificate

7. Letter of recommendation from the employer (may be required)

8. Bank account documents of the country of origin (monthly statement/bank card) (may be required)

Bank account opening process in Indonesia

1. If you want to open an account in an Indonesian bank, the customer must go to the branch in person, but you also need to register online in advance. Different bank websites have their own online systems. After finding the type of account you want to open, you can fill in an electronic form, including some basic personal information and contact information, and choose to apply online. After completion, you can go to the branch to open an account with the reference number of the required documents and spreadsheets within 10 days, and generally you can get a debit card on the same day. Although there is no need to make an appointment in advance, it should be noted that the branches of Indonesian banks have short business hours.

2. The initial deposit of Indonesian banks is 250-500 million rupiah. Some banks only need to maintain a minimum monthly balance of 50,000, which is about 250 Hong Kong dollars. If it is less than this amount, it will be fined.

Banks commonly used in Indonesia

Most banks in Indonesia have SMS, telephone, mobile phone and online banking services. However, there are different kinds of miscellaneous fees in the local banking system, such as receiving short messages, checking the balance at ATM and maintaining accounts. Although most of them are only small amounts, small amounts may require long-term planning, and the handling fee of several yuan at a time may add up to several tens of yuan a month. It is suggested that these miscellaneous fees be included before deciding which bank account to open.

Central Bank of Indonesia (BNI)

BNI National Bank is a state-owned bank established in 1946. BNI has offices all over the world and is the only Indonesian bank with a formal license in Hong Kong. It is the fourth largest bank in Indonesia, with more than 65,438+0,700 branches, some of which provide services on weekends.

BNI bank provides BNI Taplus indonesian rupiah savings account suitable for foreigners:

1. The monthly management fee is 1 1, 000 rupiah.

2. The initial deposit is 500,000 rupiah, and the non-Jakarta Special Zone only needs 250,000 rupiah.

3. Keep the minimum monthly balance of 6.5438+500,000 rupiah, or you will be fined 5,000 rupiah.

4. Attached with a debit card, it can be used by ATMs and merchants in the global MasterCard network.

5. Deposits can earn interest, with the highest interest rate of 1.5%.

6. You can enjoy discounts from major companies and restaurants by using debit cards.

BRI people's bank

BRI People's Bank is also a state-owned bank. Established in 1895, BRI is the second largest bank in Indonesia, with more than 1 10,000 branches and more than 20,000 ATMs.

BRI Bank provides BritAma Indonesian rupiah savings account suitable for foreigners:

1. The monthly management fee is 65438 rupees +02000 rupees.

2. The initial deposit is 250,000 rupiah, and the minimum monthly balance thereafter is 50,000 rupiah.

3. A complimentary debit card (two options) can be used by MasterCard ATM and global merchants.

4. Deposits can earn interest, and the interest rate is 3.5%.

5. Personal accident insurance is included, with a maximum coverage of 65,438 rupiah+500 million rupiah.

Central Asian Bank (BCA)

Bank of Central Asia is a private bank established in 1957. There is a branch of myBCA self-service bank, which has long business hours, from 10 am to 10 pm every day. In recent years, we have actively developed payment methods for online transactions, such as electronic wallets using QR codes.

BCA bank provides a Tapres indonesian rupiah savings account suitable for foreigners:

1, suitable for people over 17 years old.

2. The monthly management fee is 17000 rupiah.

The initial deposit is 5 million rupiah.

4. After that, the minimum monthly balance must be maintained at 5 million yuan, otherwise a fine will be imposed 10000 IDR.

5. Deposits can earn interest, with a maximum interest rate of 0.7%.

6. Attached with a debit card, it can be used in ATMs and merchants in BCA and Maestro networks around the world.

Mandiri bank

Established in 1998, Mandiri Bank is the largest bank in Indonesia, with over 1000 branches and over 10000 ATMs in Indonesia.

Mandiri Bank provides a Tabungan rupee Indonesian rupiah savings account suitable for foreigners:

1. The monthly management fee is 65438 rupees +02500 rupees.

2. The initial deposit is 500,000 rupiah, and the minimum balance must be 50,000 rupiah every month thereafter, otherwise a fine of 5,000 rupiah will be imposed.

It is equipped with a debit card, which can be used by ATMs and merchants in the global VISA network. The monthly fee is 2000 rupiah.

4. You can earn Fiestapoin points, exchange shopping vouchers and discount every transaction.

5. Deposits can earn interest, with the highest interest rate of 1.5%.

Bank charges and preventive measures

All the savings accounts mentioned above have a monthly management fee, which is generally1–20,000 rupiah. Debit cards have a monthly fee, usually several thousand rupiah. These two expenses add up to only a small sum, about HK$ 65,438+00. In addition, if you want to leave Indonesia, you need to close your bank account, and you will also be charged a closing fee, which is generally 50 thousand rupiah, which is about 250 Hong Kong dollars. The ATM fee of each bank is different. Before opening an account, you should check the charging policies of different banks. In addition to withdrawal and transfer, there may be additional charges for checking the balance and changing the card password.

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