Pt. Bank Cimb Niaga, Tbk. SWIFT/BIC code

What BNIAIDJA means for a payment to Pt. Bank Cimb Niaga, Tbk.

The short code BNIAIDJA and the full code BNIAIDJAXXX identify the same bank: Pt. Bank Cimb Niaga, Tbk. in Jakarta, Indonesia. The code does one job: it ensures that money from abroad ends up at the right bank. It comes up mainly when dealing with payments that cross a border.

On this page you will find what the code means, when it matters and which other details you need for a transfer to or from Pt. Bank Cimb Niaga, Tbk.. Keep in mind that the BIC just identifies the bank, not the account: the account number or IBAN takes care of that.

Which of the 9 codes of Pt. Bank Cimb Niaga, Tbk. do you need?

Our database contains 9 SWIFT/BIC codes for Pt. Bank Cimb Niaga, Tbk.. Besides the head office code BNIAIDJAXXX, there are codes for individual branches and departments.

Unless the recipient tells you otherwise, use BNIAIDJAXXX. A branch code only makes sense if the account holder specifically asks for it.

The best way is to copy the code directly from the account holder’s invoice. Branch codes are more likely to be retired than BNIAIDJAXXX when a bank merges or closes offices.

Is BNIAIDJA still correct? How to check

The safest source for a SWIFT code is the recipient’s own bank details: an invoice, a bank statement or their online banking. Check it with BNIAIDJA on this page.

A wrong SWIFT code can cause delays, a payment being sent back or extra fees. A mistake in the IBAN or account number can be more serious.

An automatic check in your banking app only tells you that the IBAN exists – not that it belongs to the person you mean to pay. Some banks now compare the payee name against the account – do not ignore a mismatch warning. A small test payment can be a sensible step for a large first payment despite the extra fee.

Watch out for payment fraud

Stay wary when someone suddenly wants you to send money to another account. That BNIAIDJA is a real code is no guarantee that the account is legitimate; criminals use the codes of real banks too.

Verify new payment details via a separate channel, not by replying to the message. Pressure and secrecy are warning signs. Acted too fast? Call your bank without delay and ask them to try to recall the payment; also report it to the police.

Recipients can be targeted as well: a classic trick is a buyer who pays too much and then sends a request to send back the difference abroad. Do not act before the money is actually in your account – ask Pt. Bank Cimb Niaga, Tbk. if something looks wrong.

Incoming international payments to Pt. Bank Cimb Niaga, Tbk.

When you expect money from abroad, send the payer a complete set of details. In practice that means: your name exactly as it appears on the account, your account number or IBAN, the BIC BNIAIDJAXXX (or BNIAIDJA) and, often, your postal address.

Their bank may request the bank address of Pt. Bank Cimb Niaga, Tbk.. Double-check every detail before you send them – a sender rarely spots a mistake in someone else’s details.

An incoming payment will not always land in full. Correspondent banks can take a fee, and when currencies differ, an exchange rate margin applies. On invoices, you can agree who bears the costs, so that nobody is left short.

How up to date is this code?

The details on this page come from publicly available data which we refresh regularly. It can happen that information on this page is out of date after a merger or reorganisation. The figures we show are based on our own data and not on information from Pt. Bank Cimb Niaga, Tbk. itself.

Treat this page as a reference, not as the final word – the bank details from the recipient are leading. GoldexPay is independent of Pt. Bank Cimb Niaga, Tbk., we only compare transfer services. Should you notice a mistake, we appreciate a short note.

How long does an international transfer to Pt. Bank Cimb Niaga, Tbk. take?

There is no fixed delivery time for international payments: some land the same day or the next while others need several business days. Weekends and public holidays in either country can add a day or more. Extra checks on larger or unusual payments can also cause some delay.

If a transfer is delayed, contact the sending bank for the tracking status or the UETR. Specialist transfer services often provide a status online showing how far the payment is.

A delayed transfer is traced by the sending bank, using the payment confirmation. Request from the sender a copy of the payment confirmation including the reference; that often settles the question quickly.

Paying someone abroad from your Pt. Bank Cimb Niaga, Tbk. account

A bank transfer abroad costs rather more than the listed fee. On top of a fixed fee, banks in between may deduct a fee, and if the money changes currency, the bank usually uses a rate below the actual market rate.

Many banks do not list their exchange rate markup as a cost, but you pay it all the same. Compare the rate you are offered with the mid-market rate; the gap is what conversion costs you.

For a lot of currency pairs, a specialist provider is cheaper than a traditional bank transfer. GoldexPay compares these services side by side, showing what actually arrives for the same amount sent. You can always use your account at Pt. Bank Cimb Niaga, Tbk. as the source of the money.

What the XXX in BNIAIDJAXXX means

The layout of every SWIFT code never changes: four characters for the institution, two for the country and a two-character location code. Combined, those parts make up BNIAIDJA.

XXX at the end of BNIAIDJAXXX does not stand for a placeholder or an error: it indicates the main office of Pt. Bank Cimb Niaga, Tbk.. Some banking apps ask for 11 characters, and then you can enter XXX behind BNIAIDJA.

Type the code in one piece, in upper case and without separators. A wrong character may route a payment to a different institution.