Pt. Bank Nisp Tbk SWIFT/BIC code

What NISPID61 means for a payment to Pt. Bank Nisp Tbk

The 8-character code NISPID61 and the 11-character code NISPID61XXX refer to one and the same institution: Pt. Bank Nisp Tbk. A BIC does one job: it makes sure that an international payment ends up at the right bank. You will need it mainly when dealing with payments that cross a border or a currency.

Below we go through the practical questions: money coming in from abroad, paying someone in another country and how to check a SWIFT code before you confirm a payment. Keep in mind that the BIC only identifies the bank, not the person: the IBAN or account number does that part.

Choosing between the 4 SWIFT codes of Pt. Bank Nisp Tbk

Having 4 codes, Pt. Bank Nisp Tbk belongs to the banks that register individual codes for branches. The main code remains NISPID61XXX.

For the vast majority of incoming transfers, the head office code NISPID61XXX works fine. A branch code only makes sense when the recipient’s bank specifically mentions it.

The best way is to copy the code directly from the recipient’s statement. Branch codes are more likely to change than NISPID61XXX.

Getting paid from abroad into a Pt. Bank Nisp Tbk account

A sender in another country will ask for a few details from you – incomplete details often cause delays. The basics are: the account holder’s name, IBAN or account number, NISPID61XXX and, for some countries, your home address.

Certain sending banks want the name and address of Pt. Bank Nisp Tbk in Jakarta, so keep it at hand. Check each detail before you send them, because the sender’s bank usually copies them as is.

What lands in your account is often lower than what was sent. Fees for incoming transfers differ from bank to bank – the price list of Pt. Bank Nisp Tbk tells you what applies. Make clear with the sender who covers the fees, especially for larger amounts.

How to check NISPID61 before you pay

The most reliable source for the BIC is the bank details provided by the recipient – an invoice, a statement or a screenshot from online banking. If the code you have differs from NISPID61 or NISPID61XXX, do not guess: check with the recipient or with Pt. Bank Nisp Tbk directly.

If the code is wrong, the transfer may be delayed, bounce back or cost extra, and tracing it can take weeks. An error in the account number can be a bigger problem; check it just as carefully.

Most online banking apps check the format of IBANs and sometimes look up the BIC automatically – that confirms the format, not the owner. Where available, a name check on the recipient adds an extra layer of safety. When you pay someone new, many people send a small amount first before sending the rest.

What the XXX in NISPID61XXX means

The structure of a BIC is always the same: a bank code of four letters, two for the country and a two-character location code. The result is NISPID61.

XXX at the end of NISPID61XXX does not stand for a missing value or an error: it stands for the main office of Pt. Bank Nisp Tbk. Some banking apps ask for 11 characters, and then you can add XXX behind NISPID61.

Leave out spaces or dashes when you enter NISPID61 or NISPID61XXX. A wrong character may route the money to a different institution.

International transfers from Pt. Bank Nisp Tbk: the real cost

A bank transfer abroad costs rather more than the fee suggests. Besides a fixed fee, banks in between can deduct a fee, and if currencies are converted the bank often applies a rate below the real market rate.

Most of the cost usually sits in the exchange rate: the bank converts at a rate that includes a margin. Compare the rate you are offered against the mid-market rate, the midpoint between buy and sell rates you see on financial sites.

Specialist money transfer services often use a rate near the mid-market rate with clearer fees. Before your next transfer, it is worth to compare the total cost on GoldexPay rather than accepting the bank’s rate by default. Choosing a specialist does not mean leaving Pt. Bank Nisp Tbk: you simply pay the service from your account.

When will the money arrive at Pt. Bank Nisp Tbk?

There is no single answer for every transfer: some arrive the same day or the next while others need several business days. Payments made late in the day or just before a weekend or public holiday often go out the next business day. Occasionally a bank wants to know about the purpose of a payment.

Many banks are connected to SWIFT gpi for faster and traceable payments. Every payment carries a unique reference, the UETR, which your bank can use to see where the money is. Money transfer services usually show tracking online so you can see how far the money is.

The bank that sent the money can start an official trace – the recipient’s bank often cannot see a payment that has not arrived. As a recipient, it helps to check your account to see a slightly lower amount, since fees may have been deducted.

Watch out for payment fraud

A common scam works like this: an email arrives with a message claiming that a company has a new bank account and that the next payment should go there. A correct SWIFT code says nothing about who owns the account.

Check changed bank details via a different channel like a call to a number from an earlier contract. Pressure and secrecy are red flags – a real supplier can wait a day. Acted too fast? Call your bank without delay and have them start a recall and report the fraud.

Recipients can be targeted as well: a classic trick is a buyer who pays too much and then sends a request to refund the difference. Do not act before the money is actually in your account and check with Pt. Bank Nisp Tbk if anything seems off.

About this information

Our SWIFT/BIC directory is based on publicly available sources and we update it periodically. Even so, banks merge, rename themselves or retire codes and our data may lag behind. Counts and locations are from our directory and are not confirmed by Pt. Bank Nisp Tbk.

See the information on this page as a handy check, and let the details from the recipient or Pt. Bank Nisp Tbk have the final say. We are an independent comparison service and not part of Pt. Bank Nisp Tbk. Should you notice a mistake, we appreciate a short note.