Bank Tabungan Negara (Persero), Pt. SWIFT/BIC code

BTANIDJA – the SWIFT/BIC code of Bank Tabungan Negara (Persero), Pt.

BTANIDJA and BTANIDJAXXX are two spellings of the same bank identifier, and both point to Bank Tabungan Negara (Persero), Pt. in Jakarta. A BIC does one job: it makes sure that money from abroad reaches the right bank. In practice you mostly come across the code on international invoices, in your banking app and in the bank details that Bank Tabungan Negara (Persero), Pt. provides.

On this page you can read how the code means, when it matters and which other details you need for a transfer to or from Bank Tabungan Negara (Persero), Pt.. The SWIFT code on its own does not identify a personal account; that is what the IBAN or account number is for.

Why Bank Tabungan Negara (Persero), Pt. has an 8- and an 11-character code

The structure of a BIC never changes: a bank code of four letters, a two-letter country code and a two-character location code. That gives you BTANIDJA, the short form of the code.

The 11-character version has a three-character extension for a branch or department. If the last three are XXX, the code points to the head office, so BTANIDJAXXX and BTANIDJA are interchangeable.

In practice the code is typed in capitals and without spaces. Watch for the letter O and the digit 0 or I versus 1, a common source of typos.

How to check BTANIDJA before you pay

Have the recipient copy the bank details directly from a recent statement. Compare it with BTANIDJA here and ask if anything does not match.

If the code is wrong, the payment may be delayed, be returned or cost extra. Do not forget the account number: a mistake there can be harder to correct than a wrong BIC.

An automatic check in your banking app only confirms that the IBAN is valid. Some banks now compare the name with the account before you confirm; take any warning seriously. For a first payment, many people send a small test amount and wait for confirmation.

Changed bank details? Be careful

Fraudsters often use payment requests with new bank details. The fact that BTANIDJA exists is no guarantee that a request mentioning it is legitimate; criminals use the codes of real banks too.

Do not trust contact details in the same message that announces the change. Watch out for time pressure, unusual wording or an email address that differs by one letter. Acted too fast? Contact your bank without delay and ask them to start a recall.

Fraud also target the receiver. Someone claims to have sent more than agreed and asks you to refund the difference via a different route. Do not act before the money has really arrived and check with Bank Tabungan Negara (Persero), Pt. if anything seems off.

Which of the 3 codes of Bank Tabungan Negara (Persero), Pt. do you need?

Having 3 codes, Bank Tabungan Negara (Persero), Pt. is one of the banks that register separate codes for parts of the organisation and departments. The main code is BTANIDJAXXX.

Usually you do not need to look up a branch: transfers sent to BTANIDJAXXX are routed within Bank Tabungan Negara (Persero), Pt. without problems. Branch codes are only needed if the account holder explicitly mentions it, which is more common for business accounts and specialised services.

The best way is to copy the code directly from the account holder’s invoice. Codes are sometimes changed or retired over time, so a code from an old document is not always valid.

Incoming international payments to Bank Tabungan Negara (Persero), Pt.

For a transfer from abroad at Bank Tabungan Negara (Persero), Pt., the person paying you needs not just the BIC. What they need is: the account holder’s name, account number or IBAN, BTANIDJAXXX and, for some countries, your postal address.

Their bank might also ask for the address of your bank; the head office in Jakarta is usually fine. A mistake in your account number is harder to fix than it looks, so copy the details from your online banking.

Expect that the incoming amount is smaller than the amount on the sender’s receipt. Fees for incoming transfers differ per bank – the price list of Bank Tabungan Negara (Persero), Pt. tells you what applies. Agree with the sender who covers the fees, especially for larger amounts.

About this information

This directory draws on public sources. Banks reorganise, close branches and retire codes – a directory can be a step behind. The figures we show are based on our own data, not official figures from Bank Tabungan Negara (Persero), Pt..

Use our data as a starting point, rather than as the final word – the bank details from the recipient are leading. GoldexPay is not affiliated with Bank Tabungan Negara (Persero), Pt.. Should you notice something that is out of date, we appreciate a message.

Tracking a transfer to or from Bank Tabungan Negara (Persero), Pt.

How fast a payment arrives at Bank Tabungan Negara (Persero), Pt. is determined by a few things: which currency you send, the number of banks in between, daily processing deadlines and differences in time zone. Payments made late in the day or just before weekends and holidays often go out the next business day. Extra checks on larger or unusual payments can also add a delay.

When a payment takes longer than expected, contact the sending bank for the tracking status and the transaction reference. Money transfer services usually show tracking in their app showing where the money is.

A delayed transfer is investigated from the sending side on the basis of the transfer details. As a recipient, it helps to look at your account for a partial amount, since fees may have been deducted.

What a transfer from Bank Tabungan Negara (Persero), Pt. abroad really costs

A bank transfer abroad costs more than the fee suggests. There is the transfer fee, possibly fees charged by intermediary banks in between and, most importantly, the margin on the exchange rate.

Many banks do not list their exchange rate markup as a cost – you only notice it if you compare. A simple test: put the bank’s rate next to the mid-market rate and look at the difference.

Specialist money transfer services often use rates closer to the mid-market rate and lower fees. Before your next transfer, take a minute comparing what arrives on GoldexPay rather than accepting the bank’s rate by default. You can still use your account at Bank Tabungan Negara (Persero), Pt., while a cheaper service handles the conversion.