Pt. Bank Danamon Indonesia, Tbk SWIFT/BIC code

BDINIDJA – the SWIFT/BIC code of Pt. Bank Danamon Indonesia, Tbk

Whether you are given BDINIDJA or BDINIDJAXXX, you are looking at the identical address for Pt. Bank Danamon Indonesia, Tbk in Indonesia. A SWIFT code tells the banks handling a payment exactly which bank is meant to get the money, a bit like a postal address for banks. In daily life you usually come across the code on invoices from abroad, in payment forms and in the bank details that Pt. Bank Danamon Indonesia, Tbk provides.

This page is meant to help people who receives money at an account at Pt. Bank Danamon Indonesia, Tbk and wants to get the details right. The SWIFT code alone cannot identify a personal account; that is what the IBAN or account number is for.

Protect yourself against fake payment requests

One of the most common tricks works like this: you receive a message claiming that a company has new bank details and asking you to pay there from now on. That BDINIDJA is a real code does not mean that the account is genuine – fraudsters use real bank codes as well.

Before paying, confirm a change of bank details by phone on a number you know, not one from the message. Pressure and secrecy tend to be warning signs; a genuine business can wait for you to check. If money has already gone to a fraudster, contact your bank immediately.

Scams also work the other way. Someone sends too much and asks you to return the extra. A screenshot of a transfer is no proof.

Where our SWIFT data comes from

The details on this page come from public sources that we update regularly. It can happen that a code here is no longer current. The number of codes we show are based on our own data, not official figures from Pt. Bank Danamon Indonesia, Tbk.

Treat our directory here as a handy check. GoldexPay is independent of Pt. Bank Danamon Indonesia, Tbk, we only compare transfer services. Found an error? Let us know through the contact page and we will look into it.

How long does an international transfer to Pt. Bank Danamon Indonesia, Tbk take?

A SWIFT payment usually needs one to a few business days – it depends on currency, route and the banks in between. Payments made after the cut-off time or just before weekends and holidays usually start a business day later. Occasionally a bank asks what the payment is for, which can hold things up.

When a payment takes longer than expected, ask your bank for the status and the transaction reference so they can trace it along the chain. Money transfer services often provide tracking online so you can see where the money has got.

Only the sending bank is able to start an official trace or a recall; the receiving side usually has nothing to trace yet. On the receiving end, you can check your statements for a slightly lower amount.

What the XXX in BDINIDJAXXX means

A BIC is built from fixed blocks: the first four letters identify the bank, the next two show the country and the two after that mark the location. In this case, the 8-character core is BDINIDJA.

The 11-character version adds three more characters that identify a branch or department. If the last three are XXX, the code points to the head office, so BDINIDJAXXX and BDINIDJA are interchangeable.

Do not add spaces, dots when you enter BDINIDJA. A wrong letter can send a payment to a different institution.

Verifying the SWIFT code of Pt. Bank Danamon Indonesia, Tbk

Ask the recipient to copy the account details straight from their online banking. Check that code against BDINIDJA on this page; if they differ, ask before you pay.

Mistakes in the SWIFT code tend to be costly more than disastrous. A mistake in the account number can be a bigger problem.

A format check by your bank only tells you that the code is valid. Some banks now compare the payee name with the account before you confirm. Sending a small amount first is worth it for large sums.

Which of the 19 codes of Pt. Bank Danamon Indonesia, Tbk do you need?

Our database contains 19 SWIFT/BIC codes for Pt. Bank Danamon Indonesia, Tbk. Besides the head office code BDINIDJAXXX, there are codes for branches, departments or specific services.

In most cases you do not need to look up a branch: transfers addressed to BDINIDJAXXX reach Pt. Bank Danamon Indonesia, Tbk without problems. Branch codes are only needed when the recipient’s bank specifically asks for it, which is more common for corporate accounts and specialised services.

Unsure which code applies? Check with the recipient. Branch codes are more prone to change than BDINIDJAXXX when a bank merges or closes offices.

What a transfer from Pt. Bank Danamon Indonesia, Tbk abroad really costs

A bank transfer abroad costs rather more than the listed fee. On top of a fixed fee, correspondent or intermediary banks can deduct a fee, and when the money changes currency, the bank usually uses a rate that is less favourable than the real market rate.

Many banks rarely list the margin on the rate as a cost, but you pay it all the same. A simple test: set the bank’s rate against the mid-market rate for the same moment and look at the difference.

For a lot of routes, a transfer service is cheaper than a bank – mostly thanks to the rate. On GoldexPay we compare the amount that arrives across services. You can always keep your account at Pt. Bank Danamon Indonesia, Tbk to fund the transfer, while a cheaper service handles the conversion.

What to give a sender who pays you at Pt. Bank Danamon Indonesia, Tbk

A sender in another country needs a few details from you. Give them your name as the bank knows it, your account number or IBAN, SWIFT code BDINIDJAXXX and your address, which some banks require.

The sender’s bank might request the address of your bank; the head office in Jakarta is usually fine. A mistake in your account number is more trouble than you might think; copy them from your banking app rather than typing.

Money from abroad will not always arrive in full. Correspondent banks can take a fee and your own bank may charge for processing, and when currencies differ, a markup on the rate applies. Make clear with the sender who pays which costs, especially for larger amounts.