Bank Mandiri (Persero), Pt SWIFT/BIC code

What BMRIIDJA means for a payment to Bank Mandiri (Persero), Pt

BMRIIDJA and BMRIIDJAXXX are two ways of writing the same SWIFT/BIC code, and both lead to Bank Mandiri (Persero), Pt in Jakarta. A SWIFT code shows the sending bank exactly which bank is meant to get the money, much like a postcode for banks. In daily life you mostly come across it on international invoices, in your banking app and in the bank details that Bank Mandiri (Persero), Pt provides.

We wrote this page to help people who receives money at an account at Bank Mandiri (Persero), Pt. The SWIFT code alone cannot identify an individual account holder; that is what the account number or IBAN .

Is BMRIIDJA still correct? How to check

Ask the recipient to send you the bank details straight from their banking app. If the code you have does not match BMRIIDJA or BMRIIDJAXXX, stop and ask – contact the recipient or Bank Mandiri (Persero), Pt.

With a wrong code, the transfer may get stuck, be returned or cost extra, and tracing it can take weeks. An error in the account number is more serious, so check that just as carefully.

Many banking apps check the format of an IBAN and sometimes look up the BIC automatically – that confirms the format, not the owner. More and more banks compare the payee name against the account; take any warning seriously. Sending a small amount first is worth it for large sums, even if it costs an extra fee.

Watch out for payment fraud

Fraudsters regularly send payment requests containing changed bank details, sometimes in an email that looks completely genuine. That BMRIIDJA is a real code does not mean that the account is legitimate.

Verify new payment details through a separate channel, such as a phone number you already know. Pressure or requests to keep it quiet are warning signs; a genuine business can wait for you to check. Already paid? Contact your bank without delay and have them start a recall.

Scams also target the receiver: someone claims to have sent more than agreed and asks you to return the extra. Wait until the money has really arrived – ask Bank Mandiri (Persero), Pt if something looks wrong.

Sending money abroad from Bank Mandiri (Persero), Pt

An international bank payment costs rather more than the fee suggests. On top of a fixed fee, banks in between may deduct a fee, and when the money changes currency, the bank often applies a rate that is less favourable than the real market rate.

The markup on the rate tends to be the biggest item. An easy check: put the bank’s rate against the mid-market rate and work out the difference on your amount.

For a lot of routes, a specialist provider turns out to be less expensive than a bank, mainly because of the exchange rate. GoldexPay lists these services side by side, showing the amount the recipient gets for the same amount sent. You can always keep your account at Bank Mandiri (Persero), Pt.

A note on our data

The codes here come from public sources. Institutions merge, change names and retire codes – a directory can be a step behind. Counts and locations are from our own dataset and are not confirmed by Bank Mandiri (Persero), Pt.

See our directory on this page as a handy check and rely on the recipient or Bank Mandiri (Persero), Pt for the final confirmation. We are an independent comparison service for money transfers and not part of Bank Mandiri (Persero), Pt. If you notice something that is out of date, we appreciate a message.

Receiving money from abroad at Bank Mandiri (Persero), Pt

If you expect money from abroad, send the payer a complete set of details. Give them the account holder’s name, your account number or IBAN, the BIC BMRIIDJAXXX and your address.

Some sending banks want the address of Bank Mandiri (Persero), Pt, so keep it at hand. Check every detail before you share them – a sender rarely spots a mistake in someone else’s details.

An incoming payment does not always land for the full amount. Charges on incoming payments differ per bank; check the price list of Bank Mandiri (Persero), Pt. Make clear with the sender who pays which costs before the money is sent.

Bank Mandiri (Persero), Pt: head office code versus branch codes

Our directory lists 9 SWIFT/BIC codes for Bank Mandiri (Persero), Pt. Besides the head office code BMRIIDJAXXX, you will find codes for regional offices and specialised units.

Usually there is no need to pick a branch: transfers addressed to BMRIIDJAXXX are routed within Bank Mandiri (Persero), Pt without problems. Branch codes are only needed if the account holder specifically asks for it.

Unsure which code to use? Ask the recipient, or look at a recent statement from Bank Mandiri (Persero), Pt. Codes can change over time.

Transfer times and tracking a payment to Bank Mandiri (Persero), Pt

There is no single answer for every transfer: some land within a day while others need several business days. Weekends and public holidays in the sending or receiving country add a day or more to the journey. Extra checks on larger or unusual payments can also cause some delay.

When a payment takes longer than expected, contact the sending bank about the status or the UETR so they can trace it along the chain. Money transfer services usually show tracking in their app so you can see where the money has got.

The bank that sent the money is able to start an official trace or a recall. On the receiving end, you can look at your account to see a partial amount.

8 or 11 characters: BMRIIDJA versus BMRIIDJAXXX

The layout of a BIC never changes: a bank code of four letters, a two-letter country code and a two-character location code, plus an optional branch code. Together, these eight characters make up BMRIIDJA – the version you usually see online.

The 11-character version has a three-character extension for a branch or department. When those three characters are XXX, they simply mean the head office.

Leave out spaces, dots when you type BMRIIDJA. Pasting the code is safer than retyping it: a typo can point to another bank.