SWIFT/BIC codes in Indonesia: banks starting with A

Indonesia: banks and their SWIFT/BIC codes

On this page you find the SWIFT/BIC codes of 355 institutions in Indonesia – 772 codes altogether. Each code points to an institution or one of its branches and tells other banks where an international payment should go.

Search for the bank you need below and open its page to see the full list of codes and the details a transfer needs. Below the list you can read how a code from Indonesia is put together, how to send money there without overpaying and what to check before you pay.

Verifying a SWIFT code from Indonesia

Ask the recipient to send you the account details directly from a recent statement. If the code you have differs from the code listed here, do not guess – contact the recipient or their bank.

Our SWIFT/BIC directory is compiled from public sources. Even so, banks merge, rename themselves or retire codes. Before any payment of any size, confirm the BIC with the recipient. GoldexPay is not a bank.

Fraudsters regularly send fake invoices with new bank details from what looks like a familiar address. A real SWIFT code tells you nothing about whether a request is genuine.

SWIFT codes in Indonesia: banks under :letter

Here you see a filtered list: only institutions in Indonesia whose name begins with :letter. The totals on this page cover every bank we list and not only this letter.

Cannot find the bank? The registered name might start with a different letter. The complete list remains available when the letter filter does not help.

Incoming international payments in Indonesia

When you are waiting for a payment from another country in Indonesia, send the payer a complete set of details. In practice that means: your name exactly as it appears on the account, your IBAN or account number, the SWIFT/BIC code of your bank and sometimes your postal address.

Look up your bank in the list above and compare the code with your own bank details – your bank statement is the final word. You can add your bank’s name and city as well because some forms have separate fields for it.

What lands in your account can be lower than what was sent. Correspondent banks can take a fee, your bank may charge for incoming payments, and if the money is converted, an exchange rate margin applies. Make clear with the sender who pays which costs.

How long does a transfer to Indonesia take?

There is no fixed answer for transfers to Indonesia: many land the same day or the next while others need several business days. Bank holidays in Indonesia or in the sending country can add extra days.

A growing number of banks are connected to SWIFT gpi, which lets them follow a payment from bank to bank. Each payment gets a unique transaction reference, the UETR, which the sending bank can use to trace it. Money transfer services usually provide tracking in their app.

What a transfer to Indonesia really costs

A bank transfer to Indonesia can cost rather more than you think. On top of the fee, correspondent banks may deduct a charge, and when the money is converted the bank usually applies a rate below the real market rate.

The markup on the rate is often the biggest part of the cost, even though it is not listed as a fee. A simple test: set the offered rate against the mid-market rate and look at the difference.

Specialised transfer providers frequently offer a rate near the mid-market rate. GoldexPay compares the amount that arrives in Indonesia across providers, so you can pick the cheapest route.

Which bank in Indonesia has the most codes?

Bank Negara Indonesia - Pt (Persero) leads our list for Indonesia when it comes to the number of SWIFT/BIC codes. The head office of Bank Negara Indonesia - Pt (Persero) uses BNINIDJAXXX and that code covers most payments.

A large number of codes usually means separate codes for branches, departments or services. If not a branch code is given, the head office code BNINIDJAXXX works for a payment to Bank Negara Indonesia - Pt (Persero).

The structure of a Indonesia SWIFT/BIC code

Each SWIFT/BIC code consists of eight or eleven characters, always in the same order. Characters one to four stand for the bank, characters five and six are the country code and characters seven and eight give the location.

You can spot a bank code from Indonesia from letters five and six – those always form the country code of Indonesia. A code with other letters in that position come from another country.

The optional last three characters identify a specific branch; XXX means the head office. Use a branch code just when the recipient explicitly gives you one – otherwise stick with the head office.

SWIFT transfers to Indonesia

Indonesia is not part of the SEPA area. International transfers to Indonesia normally travel through the SWIFT network, and the BIC of the receiving bank is required.

Not every country uses the IBAN – where there is none, the local account number is enough. Check with the recipient which details their bank needs for incoming international payments – many banks give clear instructions for this. SWIFT payments sometimes go via correspondent banks.