Pt Bank Permata, Tbk SWIFT/BIC code

BBBAIDJA – the SWIFT/BIC code of Pt Bank Permata, Tbk

BBBAIDJA and BBBAIDJAXXX are the short and the long form of the same bank identifier, and both point to Pt Bank Permata, Tbk in Jakarta. The code does one job: it ensures that a cross-border transfer ends up at the right bank. It comes up mainly for payments that cross a border or a currency.

On this page we explain what the code means, when you need it and which other details you need for a transfer to or from Pt Bank Permata, Tbk. Remember that the BIC just identifies the bank, not the account: the account number or IBAN takes care of that.

How up to date is this code?

This directory draws on public sources and we update it periodically. Banks merge, change names and retire codes – a directory can be a step behind. Figures such as the number of codes are from our directory.

For any payment of any size, confirm the code with Pt Bank Permata, Tbk or the recipient. GoldexPay has no connection to Pt Bank Permata, Tbk; we are a comparison site for money transfers. Spotted outdated information? Tell us through the contact page.

Scams that use SWIFT codes

Fraudsters regularly send fake invoices with new bank details, sometimes in an email that looks completely genuine. A correct SWIFT code says nothing about whether the request is genuine – scammers simply use real codes.

Verify changed payment details via a different channel. Be suspicious of urgent requests, odd spelling or a sender address that is slightly off. When a payment was sent to the wrong account, call your bank right away – speed improves the chance of getting it back.

People receiving money can be targeted as well: one known trick is a buyer who pays too much and then sends a request to send back the difference to another account. Do not act before the money has really arrived – ask Pt Bank Permata, Tbk if something looks wrong.

Transfer times and tracking a payment to Pt Bank Permata, Tbk

There is no single delivery time for every transfer: many arrive the same day or the next, others take several business days. Weekends and public holidays in the sending or receiving country can add a day or more to the journey. Sometimes a bank wants to know about the purpose of a payment, which can hold things up.

If a transfer is late, ask your bank about the status. Keep the payment confirmation.

If a payment has not arrived within the expected time, the person who paid should start with the bank that sent it, not the receiving bank. As a recipient, it helps to check your statements to see a partial amount, since fees may have been deducted.

International transfers from Pt Bank Permata, Tbk: the real cost

When you send money abroad via Pt Bank Permata, Tbk, the visible fee is rarely all of what you pay. On top of a fixed fee, banks in between may deduct a fee, and when the money changes currency, the bank usually applies a rate that is less favourable than the actual market rate.

Most of the cost usually sits in the exchange rate: the bank converts using an exchange rate that includes a margin. A simple test: put the rate you get next to the mid-market rate and look at the difference.

For many routes, a specialist provider turns out to be less expensive than a traditional bank transfer. On GoldexPay you can compare the amount that arrives across providers, so you can pick the cheapest route. Choosing a specialist does not require leaving Pt Bank Permata, Tbk.

How to check BBBAIDJA before you pay

The most reliable source for the BIC is the recipient’s own bank details: an invoice, a bank statement or their online banking. When the code you were given differs from BBBAIDJA or BBBAIDJAXXX, do not guess.

Mistakes in the BIC are costly rather than fatal. Do not forget the account number: a mistake there can be more difficult to correct than a wrong BIC.

Most online banking apps validate the format of an IBAN – that confirms the format, not the owner. More and more banks check the name against the account – do not ignore a mismatch warning. A small test payment can be a sensible step for large sums.

Incoming international payments to Pt Bank Permata, Tbk

Someone abroad who wants to pay you will ask for a few details from you. In practice that means: your full name exactly as it appears on the account, your IBAN or account number, the BIC BBBAIDJAXXX (or BBBAIDJA) and, often, your postal address.

You can include the bank name and its city as well, because some payment forms have separate fields for them. Check each detail before you share them.

An incoming payment does not always land for the full amount. Charges on incoming payments vary from bank to bank. Make clear with the sender who covers the fees, especially for larger amounts.

Which of the 5 codes of Pt Bank Permata, Tbk do you need?

Pt Bank Permata, Tbk has 5 separate SWIFT/BIC codes. One of them is the head office code, BBBAIDJAXXX; the others belong to branches.

In most cases there is no need to pick a branch: payments addressed to BBBAIDJAXXX reach Pt Bank Permata, Tbk without problems. If you have been given a branch code, stick to it instead of replacing it with the head office code.

If you are not sure, ask the person you are paying for the exact BIC in their bank details. Codes can change when banks reorganise.

What the XXX in BBBAIDJAXXX means

A SWIFT code is made up of a few fixed parts: the first four letters identify the bank, characters five and six give the country and characters seven and eight mark the location. That gives you BBBAIDJA, the short form of the code.

Most banks and apps work with both lengths. If yours requires eleven characters, use BBBAIDJAXXX; if it wants eight, use BBBAIDJA.

As a rule the code is written in capitals. A single letter may route the money to a different institution.