Seruni Tunggal, Pt SWIFT/BIC code

SWIFT/BIC code of Seruni Tunggal, Pt

SERNIDJ1 and SERNIDJ1XXX are two spellings of the same bank identifier, and both lead to Seruni Tunggal, Pt in Jakarta. A BIC does one job: it ensures that money from abroad ends up at the right bank. It comes up mainly for payments that cross a border and payments in foreign currencies.

On this page we explain what the code means, when it matters and which other details a transfer to or from Seruni Tunggal, Pt requires. A SWIFT code identifies a bank or branch, never a single account; the IBAN or account number does that.

Sending money abroad from Seruni Tunggal, Pt

An international bank payment costs rather more than the listed fee. There is the transfer fee, possibly charges from correspondent banks along the way and, most importantly, the margin on the exchange rate.

The markup on the rate is often the largest item, and it is easy to miss. An easy check: set the rate you get against the mid-market rate for the same moment and look at the difference.

Money transfer services frequently use a rate near the mid-market rate and lower fees. Next time you send money, it is worth comparing what arrives via GoldexPay rather than accepting the bank’s rate by default. You can always keep your account at Seruni Tunggal, Pt as the source of the money; only the conversion and sending happen elsewhere.

How long does an international transfer to Seruni Tunggal, Pt take?

How quickly a payment arrives at Seruni Tunggal, Pt depends on several factors: the currency, the number of banks in between, daily processing deadlines and differences in time zone. Payments made after the cut-off time or just before a weekend or public holiday often go out the next business day. Sometimes a bank asks what the payment is for before releasing it.

If a transfer is late, contact the sending bank for the tracking status or the UETR. Specialist transfer services often provide a status in their app showing how far the payment has got.

The bank that sent the money can request a trace. Request from the sender a copy of the payment confirmation.

Is SERNIDJ1 still correct? How to check

The most reliable source for a SWIFT code is the recipient’s own bank details: an invoice, a bank statement or their online banking. Compare it against SERNIDJ1 on this page and ask if anything does not match.

Errors in the SWIFT code are annoying more than fatal. A mistake in the account number can be a bigger problem, because the money may be credited to someone else, so check that just as carefully.

Most online banking apps validate the structure of an IBAN and sometimes look up the BIC automatically. Some banks now compare the payee name with the account; take any warning seriously. For a first payment, many people start with a small test amount.

How up to date is this code?

We gather SWIFT/BIC codes from public sources and check them from time to time. It is possible that information on this page is out of date after a merger or reorganisation. Counts and locations are from our own dataset and may differ from what Seruni Tunggal, Pt publishes.

Use our data as a reference, rather than as the final word – the bank details from the recipient are leading. GoldexPay has no connection to Seruni Tunggal, Pt; we are a comparison site for money transfers. Found an error? Tell us through the contact page so we can correct it.

Receiving money from abroad at Seruni Tunggal, Pt

Someone abroad who wants to pay you needs several details from you, and missing ones are a common cause of delays. In practice that means: your name as registered with Seruni Tunggal, Pt, your account number or IBAN, the SWIFT/BIC code SERNIDJ1XXX (or SERNIDJ1) and sometimes your postal address.

It helps to include Seruni Tunggal, Pt and Jakarta as well, since some forms ask for it. Check each detail before you send them.

The amount you receive is often less than the amount sent. Intermediary banks may deduct a fee and your own bank may charge for processing, and if the money is converted, a markup on the rate comes on top. For business payments, it is common to state who bears the costs, so that nobody is left short.

What the XXX in SERNIDJ1XXX means

The layout of a BIC never changes: a bank code of four letters, two for the country and two for the location, sometimes followed by a branch code. For Seruni Tunggal, Pt, that core is SERNIDJ1.

The long version adds a three-character extension for a branch or department. If the last three are XXX, the code points to the head office, which is why SERNIDJ1XXX and SERNIDJ1 lead to the same place.

Type the code in one piece, in upper case and without spaces, exactly as shown here. Watch for O versus 0 and I versus 1, a common source of typos.

Seruni Tunggal, Pt: head office code versus branch codes

We have 2 SWIFT/BIC codes for Seruni Tunggal, Pt in 2 places. Next to the head office code SERNIDJ1XXX, there are codes for regional offices and specialised units.

In most cases there is no need to pick a branch: transfers addressed to SERNIDJ1XXX reach Seruni Tunggal, Pt correctly. When you receive a specific code, use it as it is instead of replacing it for the head office code.

When in doubt, check with the recipient which code their bank gave them. Branch codes are more prone to be retired than the head office code when a bank merges or closes offices.

Scams that use SWIFT codes

Criminals often use payment requests containing changed bank details, sometimes in an email that looks completely genuine. That SERNIDJ1 is a real code is no guarantee that a request mentioning it is legitimate; criminals use the codes of real banks too.

Do not rely on a phone number from the same email that contains the change. Watch out for time pressure, unusual wording or an email address that differs by one letter. When money was sent to the wrong account, call your bank right away – speed improves the chance of getting it back.

Recipients 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 abroad. Wait until the money has really arrived – ask Seruni Tunggal, Pt if something looks wrong.