SWIFT/BIC codes in Indonesia: banks starting with S

Finding a SWIFT code in Indonesia

In Indonesia we have 772 SWIFT/BIC codes from 355 banks. Each code points to an institution or one of its branches, so a payment from abroad reaches the right place.

Select the bank below to see the head office code and any branch codes, plus practical notes for sending and receiving money. The rest of this page explain the structure of the codes, the cost of transfers and the checks worth doing.

Check the code before you pay

Ask the recipient to send you their bank details straight from their online banking. If the code you have differs from the code listed here, do not guess – contact the recipient or their bank.

We gather SWIFT/BIC codes using public sources and check our list regularly. Banks reorganise, close branches and retire codes. Treat our data as a reference, not as the final word. GoldexPay is an independent comparison site and has no link to the banks in this list.

Fraudsters often send payment requests with changed bank details that look completely genuine. Always verify a change of bank details through a separate channel.

SWIFT codes in Indonesia: banks under :letter

This list shows only the banks in Indonesia whose name starts with :letter, sorted alphabetically. The totals mentioned above always cover all banks in Indonesia, not just this letter.

Bank not listed? The registered name may begin with another word. Use the full list for Indonesia if you do not know how the name is spelled.

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

Bank Negara Indonesia - Pt (Persero) leads the list of Indonesia banks when it comes to SWIFT/BIC codes. The head office of Bank Negara Indonesia - Pt (Persero) uses BNINIDJAXXX.

Practice differs in whether they register branch codes. Making a payment to Bank Negara Indonesia - Pt (Persero)? Go with BNINIDJAXXX except when a specific branch code is requested.

Sending money to Indonesia for less

The price of a payment to Indonesia has several parts – not only the fee you see. There is a transfer fee, possibly charges from intermediary banks and, above all, the exchange rate markup.

The real cost is often in the rate. An easy check: set the offered rate next to the mid-market rate and work out the difference on your amount.

For many currency pairs, a specialist provider turns out to be cheaper than a bank, mainly because of the rate. Before you send money to Indonesia, it is worth comparing what arrives on GoldexPay.

SWIFT transfers to Indonesia

Because Indonesia is outside SEPA, an international payment is usually sent through SWIFT. That means the payment always needs the BIC of the recipient’s bank, together with the account number or IBAN.

Not all countries use the IBAN; in that case the local account number is used instead. The receiving bank often has instructions for payments from abroad – follow them exactly. Before it arrives, a transfer may pass through correspondent banks that charge for their part.

How SWIFT codes from Indonesia are built

A SWIFT code is 8 or 11 characters long. It starts with a four-letter bank code, followed by a two-letter country code and a two-character location code.

You can spot a bank code from Indonesia from the fifth and sixth characters. A code with a different country code belong to a bank abroad – a quick way to catch mistakes.

When a code ends in XXX, it means the main office, and the 8-character version leads to the same place. Choose a branch code only when the recipient’s bank asks for it – otherwise stick with the head office.

What a sender needs to pay you in Indonesia

For a transfer from abroad in Indonesia, the person paying you needs not just the SWIFT code. Share your name as registered with the bank, your account number or IBAN, the BIC of your bank and your address, which some banks require.

Look up your bank in the list above, but take the code from your own bank details when in doubt. Certain banks may also want your bank’s address, so keep it at hand.

What lands in your account can be lower than the amount sent. Intermediary banks may deduct a fee, and when currencies differ, a markup on the rate applies. Agree with the sender who pays which costs, especially for larger amounts.

When does money sent to Indonesia arrive?

There is no single delivery time for payments to Indonesia: some arrive the same day or the next while others need several business days. Bank holidays in either country add a day or more to the journey.

If a transfer seems late, the sender should contact the sending bank and ask for the status or the UETR – the receiving bank often cannot see a payment that has not arrived. Save your transfer receipt until the recipient confirms; a bank needs it to start a trace.