SWIFT/BIC codes in Indonesia: banks starting with W

Bank SWIFT codes for Indonesia

In Indonesia our database holds 772 SWIFT/BIC codes from 355 financial institutions. Every code points to an institution or one of its branches, so a payment from abroad reaches the right place.

Every bank has its own page showing the head office code and if there are any, codes for branches and departments. The sections below covers the structure of the codes, the cost of transfers and how to avoid mistakes.

The cheapest way to send money to Indonesia

An international bank payment to Indonesia can cost more than you think. There is the transfer fee, possibly charges from intermediary banks and, most importantly, the exchange rate markup when currencies differ.

Most of the cost usually sits in the exchange rate, rather than in the fee. A simple test: set the offered rate next to the mid-market rate and work out the difference on your amount.

For a lot of routes, a transfer service is cheaper than a traditional bank transfer – mostly thanks to the exchange rate. On GoldexPay we compare what recipients in Indonesia receive across providers, so you can pick the cheapest route.

What a sender needs to pay you in Indonesia

Someone abroad who wants to pay you needs a few details from you. Give them the account holder’s name, your account number or IBAN, your bank’s SWIFT code and your address, which some banks require.

Look up the bank in the list on this page to check its code, but take the code from your own bank details when in doubt. It helps to add your bank’s name and city.

What lands in your account can be lower than the amount sent. Fees for incoming transfers vary per bank. On invoices, agree how the fees are split to avoid a shortfall.

International payments to Indonesia and the BIC

Indonesia is outside the SEPA area, so European euro rules do not apply. Payments from abroad normally go over the SWIFT network, and the BIC of the receiving bank is required.

Depending on the country, the account is identified by a local account number instead of an IBAN. Check with the recipient exactly which details their bank needs for incoming international payments; banks often publish instructions for this. SWIFT payments sometimes go via one or more intermediary banks.

Transfer times to Indonesia

There is no fixed delivery time for payments to Indonesia: some arrive the same day or the next. Transfers sent after the cut-off time or just before weekends and holidays often start a business day later.

When a payment takes longer than expected, ask the sender to contact the sending bank. Money transfer services usually provide a status online so you can follow the payment.

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

Bank Negara Indonesia - Pt (Persero) tops our list of Indonesia banks in the number of SWIFT/BIC codes. The head office uses BNINIDJAXXX, which is the code to use when no branch is specified.

Banks differ in whether they register branch codes. Paying someone at Bank Negara Indonesia - Pt (Persero)? Use BNINIDJAXXX except when a specific branch code is requested.

What the letters in a Indonesia BIC mean

Bank identifier codes use one international format: 8 characters plus an optional three-character extension. It starts with four letters for the bank, then two letters for the country and a two-character location code.

You can spot a code from Indonesia by letters five and six: they always show the ISO country code of Indonesia. Codes with a different country code belong to another country.

An 11-character code ends in three characters for a branch, where XXX means the head office. For most transfers the head office code is fine, unless the recipient gives you a branch code.

About our data and how to check a code

Have the recipient copy their bank details straight from their banking app. An incorrect BIC may lead to a delay, a payment being sent back or extra fees – compare it with the code in our list.

We collect SWIFT/BIC codes using publicly available data and update them regularly. Banks merge, change names and change codes – a directory can be a step behind. Use this list as a reference: the bank details from the recipient come first. GoldexPay is not a bank.

Be wary of payment requests containing changed bank details, especially when they come by email. Always confirm changed details by phone on a number you know.

Banks in Indonesia beginning with the letter :letter

The letter filter limits the list down to banks from Indonesia that begin with :letter, so you can find a bank faster. The totals mentioned above still cover the whole country, not just this letter.

Cannot find the bank? Its official name may start with a different letter. The complete list is one click away if the letter filter does not help.