SWIFT/BIC codes in Indonesia: banks starting with B

Indonesia: banks and their SWIFT/BIC codes

On this page you find the SWIFT/BIC codes of 355 institutions in Indonesia, 772 codes in all. A SWIFT code shows every bank in the chain which institution should receive the money.

Look for the recipient’s bank in the list and open its page for 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 to Indonesia at a fair price and what to check before you pay.

Getting paid from abroad into an account in Indonesia

Someone abroad who wants to pay you will ask for a few details about your account – incomplete details often cause delays. In practice that means: your full name exactly as it appears on the account, your IBAN or account number, the SWIFT/BIC code of your bank and sometimes your address.

The code of your bank appears in the list on this page but always compare it with your own bank details. Some sending banks also ask for your bank’s address.

The amount you receive can be lower than the amount sent. Fees for incoming transfers differ from bank to bank; check the price list of your bank. On invoices, agree who bears the costs.

The structure of a Indonesia SWIFT/BIC code

Each SWIFT/BIC code consists of eight or eleven characters. It starts with four letters for the bank, followed by two letters for the country and a two-character location code.

You can spot a bank code from Indonesia from the fifth and sixth characters. If those two letters point to another country, you are looking at a bank somewhere else, so check again.

If the last three are XXX, it means the head office, and the 8-character version leads to the same place. Use a branch code only if the recipient explicitly gives you one; otherwise the head office code is the safe choice.

SWIFT codes in Indonesia: banks under :letter

The letter filter limits the list to banks in Indonesia starting with :letter. The counts in the introduction still refer to all banks in Indonesia, not just this letter.

If the bank you need is missing under :letter, try the full list. Use the full list for Indonesia if you do not know the exact name.

About our data and how to check a code

The most reliable source for the BIC is the recipient’s own bank details. A wrong code can cause delays, a returned payment or additional charges.

We gather SWIFT/BIC codes from publicly available data and update our list regularly. Even so, banks merge or retire codes. For any payment of any size, confirm the BIC with the recipient. We are an independent comparison service for money transfers, not a bank.

Watch out for invoices with a new account – a common fraud method. Always verify changed details by phone.

Transfer times to Indonesia

How quickly money reaches Indonesia depends on a few things: which currency you send, how many intermediary banks are involved, cut-off times and time zones. Transfers sent late in the day or just before a weekend or public holiday usually start a business day later.

If a transfer seems late, the sender should contact their own bank; only the sending side can start an official trace. Specialist transfer services usually provide tracking in their app, which makes it easier to see where the money is.

Bank Negara Indonesia - Pt (Persero) and its SWIFT codes

In our data, Bank Negara Indonesia - Pt (Persero) holds the most SWIFT/BIC codes of all banks in Indonesia. The head office of Bank Negara Indonesia - Pt (Persero) uses BNINIDJAXXX and that code covers most payments.

Banks differ in whether they register branch codes. Making a payment to Bank Negara Indonesia - Pt (Persero)? Go with BNINIDJAXXX except when the recipient gives you a branch code.

Paying a bank in Indonesia from abroad

Because Indonesia is outside SEPA, an international payment is usually sent through SWIFT. This means the payment always needs the BIC of the receiving bank.

Not all countries use the IBAN; in that case the local account number is used instead. Check with the recipient which details their bank needs for payments from abroad. Before it arrives, a payment can pass through intermediary banks that charge for their part.

Sending money to Indonesia for less

An international bank payment to Indonesia often costs rather more than the fee suggests. You pay a transfer fee, possibly fees from correspondent banks and, most importantly, the exchange rate markup if the money is converted.

That exchange rate margin tends to be the biggest part of the cost because it is hidden in the rate. Check the bank’s rate against the mid-market rate.

Money transfer services often offer a rate near the mid-market rate. GoldexPay lists transfer services side by side, showing what actually arrives in Indonesia for the same amount sent.