SWIFT/BIC codes in Indonesia: banks starting with D

Bank SWIFT codes for Indonesia

In Indonesia our database holds 772 SWIFT/BIC codes from 355 financial institutions. Every code points to an institution or one of its branches, so a payment from abroad reaches the right place.

Look for the bank you need in the list and open its page to see all codes we have. The sections below covers the structure of the codes, the cost of transfers and the checks worth doing before you send money.

Most SWIFT codes in Indonesia: Bank Negara Indonesia - Pt (Persero)

Bank Negara Indonesia - Pt (Persero) leads our list of Indonesia banks when it comes to SWIFT/BIC codes. Its main office has BNINIDJAXXX; that is usually the right code for a transfer.

How many codes a bank has says something about how it registers branches and services than about how big it is. Making a payment to Bank Negara Indonesia - Pt (Persero)? Go with BNINIDJAXXX unless the recipient gives you a branch code.

Filter: banks in Indonesia with :letter

This list shows only banks in Indonesia whose name starts with :letter, sorted alphabetically. The totals mentioned above still cover all banks in Indonesia.

If a bank does not appear here, check another letter: banks are often registered under their full legal name. The complete list is one click away if the letter filter does not help.

Check the code before you pay

Ask the recipient to copy their bank details directly from their banking app. A wrong code can cause a delay, a returned payment or additional charges, so compare it with the list on this page.

We collect SWIFT/BIC codes using public sources and update our list from time to time. Even so, banks merge or change codes. Before any payment of any size, check the code with the recipient. GoldexPay is a comparison service and not part of any bank listed here.

Watch out for invoices with a new account, especially when they come by email. A real SWIFT code says nothing about who owns the account – scammers use the codes of real banks.

What a transfer to Indonesia really costs

What you pay for a transfer to Indonesia is made up of several parts – not only the fee you see. Besides a fixed fee, correspondent banks can take a cut and, if currencies are converted, the bank often applies a rate below the actual market rate.

The markup on the rate is often the biggest part of the cost, even though it is not listed as a fee. Check the bank’s rate with the mid-market rate that you find on financial sites. The difference is your real cost.

Money transfer services frequently use a rate near the mid-market rate and lower fees. Before you send money to Indonesia, take a minute to compare what arrives via GoldexPay.

What a sender needs to pay you in Indonesia

If you expect money from abroad on an account in Indonesia, send the payer a complete set of details. Share the account holder’s name, your account number or IBAN, the BIC of your bank and your address.

The code of your bank appears in our list but always compare it with your own bank details. Certain sending banks may also want your bank’s address.

Expect that the amount credited is below what the sender paid. Fees for incoming transfers vary from bank to bank – your bank’s price list tells you what applies. Agree with the sender who covers the fees before the money is sent.

Paying a bank in Indonesia from abroad

Since Indonesia is outside SEPA, a transfer from abroad is usually sent as a SWIFT payment. This means the payment always needs the BIC of the receiving bank in addition to the account details.

Depending on the country, accounts are identified by a domestic account number instead of an IBAN and sometimes a local routing or branch code. The recipient’s bank usually provides instructions for incoming international payments, and it is worth following them to the letter. International transfers sometimes go via correspondent banks.

Recognising a SWIFT code from Indonesia

Bank identifier codes follow one international format: 8 characters plus an optional three-character extension. It starts with four letters for the bank, followed by a two-letter country code and a two-character location code.

You can recognise a code from Indonesia from the fifth and sixth characters. When those two letters do not match Indonesia, you are looking at a bank in another country.

The last three characters, if present, identify a specific branch; XXX is used for the head office. Choose a branch code just if the recipient’s bank asks for it – otherwise stick with the head office.

Tracking a payment to Indonesia

A SWIFT payment to Indonesia usually takes anywhere from one to several business days – it depends on currency, route and the banks in between. Public holidays in Indonesia or in the sending country can add extra days.

Many banks are connected to SWIFT gpi for faster and traceable payments. Every payment gets a unique transaction reference, the UETR. Save your transfer receipt – you will need it if something goes wrong.