SWIFT/BIC codes in Indonesia: banks starting with F

Finding a SWIFT code in Indonesia

On this page you find the SWIFT/BIC codes of 355 banks in Indonesia. Every code identifies an institution or a specific branch or department.

Search for the bank you need below and click through to see the full list of codes and the details a transfer needs. The rest of this page explain the structure of the codes, the cost of transfers and how to avoid mistakes before you send money.

When does money sent to Indonesia arrive?

There is no fixed answer for transfers to Indonesia: many arrive within a day, others take several business days. Public holidays in Indonesia or in the sending country can add a day or more, because banks do not process payments on those days.

Many banks are connected to SWIFT gpi for faster and traceable payments. Each payment gets a unique reference, the UETR that banks can use to see where the money is. Keep the payment confirmation; a bank needs it to start a trace.

What a transfer to Indonesia really costs

A bank transfer to Indonesia can cost more than you think. Besides a fixed fee, intermediary banks may take a cut, and when the money is converted the bank usually uses a less favourable rate than the actual market rate.

That exchange rate margin is often the largest cost item because it is hidden in the rate. Compare the rate you are offered against the mid-market rate, the midpoint you see on financial news sites. The difference is your real cost.

Specialised transfer providers often use rates closer to the mid-market rate with clearer fees. Before you send money to Indonesia, take a minute to compare what arrives via GoldexPay.

Why a transfer to Indonesia needs a SWIFT code

To pay into Indonesia you almost always need a SWIFT/BIC code. Without it, your bank will not process the transfer at all.

In some countries, accounts are identified by a domestic account number instead of an IBAN, sometimes with an extra bank or branch code. The receiving bank often provides a list of required details for payments from abroad. On the way to Indonesia, a payment can go through correspondent banks that take a fee.

How SWIFT codes from Indonesia are built

SWIFT/BIC codes follow one international format: 8 characters. The first four letters identify the bank, characters five and six are the country code and the next two give the location.

You can recognise a bank code from Indonesia from letters five and six – those always form the country code of Indonesia. A code with other letters in that position belong to a bank abroad.

The last three characters, if present, stand for a specific branch; XXX is used for the head office. In most cases the head office code is fine unless the recipient asks for a specific branch.

SWIFT codes in Indonesia: banks under :letter

You are looking at a selection: just banks in Indonesia with a name starting with :letter. The counts in the introduction still refer to all banks in Indonesia, not just this letter.

Bank not listed? The registered name might start with a different letter – think of the full legal name instead of the brand. Try the full list for Indonesia when you do not know the exact name.

How reliable is this list?

Have the recipient copy their bank details directly from their banking app. If the code you have differs from the code listed here, stop and ask – contact the recipient or their bank.

The directory on GoldexPay is based on public sources and is updated regularly. Banks reorganise, change names and change codes, and no directory catches every change immediately. Treat this list as a starting point, not as the final word. GoldexPay is not a bank and has no link to the banks in this list.

Watch out for payment requests with a new account – a common fraud method. A real SWIFT code tells you nothing about whether a request is genuine.

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

Bank Negara Indonesia - Pt (Persero) tops our list of Indonesia banks in the number of SWIFT/BIC codes. The head office of Bank Negara Indonesia - Pt (Persero) has BNINIDJAXXX.

Practice differs in how many codes they register, so the count is not a ranking of size. Unless a branch code is given, BNINIDJAXXX is fine for a payment to Bank Negara Indonesia - Pt (Persero).

Receiving money in Indonesia from abroad

If you are waiting for money from abroad on an account in Indonesia, give the sender everything they need in one go. In practice that means: your full name exactly as it appears on the account, your account number or IBAN, the SWIFT/BIC code of your bank and, often, your address.

Look up your bank in the list above to check its code, but take the code from your own bank details when in doubt. Certain banks also ask for the name and address of your bank.

Do not be surprised if the amount credited is smaller than what the sender paid. Fees for incoming transfers vary from bank to bank; check the price list of your bank. For business payments, agree how the fees are split, so nobody is left short.