SWIFT/BIC codes in Indonesia: banks starting with C

Bank SWIFT codes for Indonesia

Here you will find the SWIFT/BIC codes of 355 banks in Indonesia, 772 codes in all. You will need such a code mostly for international transfers and for payments in a foreign currency.

Look for the recipient’s bank below and open its page to see all codes we have and what else a transfer requires. The rest of this page explain how the codes work, the cost of transfers and how to avoid mistakes before you send money.

Tracking a payment to Indonesia

How quickly money reaches Indonesia depends on several factors: the currency, how many intermediary banks are involved, daily processing deadlines and time zones. Payments made late in the day or on weekends and holidays usually start the next business day.

A growing number of banks are connected to SWIFT gpi for faster and traceable payments. Each gpi transfer carries a unique reference, the UETR, which the sending bank can use to trace it. Money transfer services often provide a status online.

Which bank in Indonesia has the most codes?

Of the 355 banks we list for Indonesia, Bank Negara Indonesia - Pt (Persero) is listed with the most SWIFT codes. The head office uses BNINIDJAXXX, which is the code to use when no branch is specified.

The number of codes tells you more about how it organises its payments than about its size. Paying someone at Bank Negara Indonesia - Pt (Persero)? Go with BNINIDJAXXX except when a specific branch code is requested.

What a transfer to Indonesia really costs

When you send money to Indonesia through your bank, the fee you see is rarely all of the cost. You pay the transfer fee, possibly fees from correspondent banks and, above all, the margin on the exchange rate if the money is converted.

The markup on the rate tends to be the largest cost item. A simple test: put the offered rate against the mid-market rate and look at the difference.

Specialist money transfer services frequently use a rate near the mid-market rate and lower fees. GoldexPay lists these providers next to each other, showing the amount that reaches the recipient before you commit.

The structure of a Indonesia SWIFT/BIC code

A SWIFT code is either 8 or 11 characters long and the parts always come in the same order. The first four letters identify the bank, characters five and six form the country code and characters seven and eight give the location.

For banks in Indonesia, characters five and six show the two-letter ISO code of Indonesia, which makes these codes easy to recognise. A code with a different country code come from a bank abroad, even if the bank name looks familiar.

If the last three are XXX, it refers to the main office and the short version works just as well. In most cases the head office code is what you need, unless the recipient gives you a branch code.

Verifying a SWIFT code from Indonesia

The safest source for a SWIFT code is the bank details provided by the recipient – an invoice, a statement or a screenshot from online banking. A wrong code may lead to delays, a returned payment or additional charges.

The directory on GoldexPay is based on public sources and is updated regularly. Still, banks merge, rename themselves or retire codes, so information can be out of date. Treat our data as a reference: the bank details from the recipient come first. GoldexPay is an independent comparison site and has no link to the banks in this list.

Fraudsters often send fake invoices with changed bank details. A real SWIFT code tells you nothing about who owns the account: criminals use real codes too.

Banks in Indonesia beginning with the letter :letter

Here you see a filtered list: just institutions in Indonesia whose name begins with :letter. The totals mentioned here cover every bank we list, not just the ones under :letter.

Cannot find the bank? The registered name might start with a different letter – think of the full legal name instead of the brand. The full overview for Indonesia remains available when you cannot find the bank here.

International payments to Indonesia and the BIC

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

Not all countries use the IBAN – where there is none, the local account number is enough. The recipient’s bank often has instructions for incoming international payments – follow them exactly. Before it arrives, a payment can pass through correspondent banks that take a fee.

Incoming international payments in Indonesia

For an international payment into a Indonesia account, the sender has to have not just the BIC. Share the account holder’s name, the IBAN or account number, the BIC of your bank and your address, which some banks require.

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

The amount you receive is often less than what was sent. Charges on incoming payments vary from bank to bank. Make clear with the sender who covers the fees, especially for larger amounts.