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Name: SWIFT/BIC Codes for Banks in Indonesia
Creator: SendMoneyCompare
License: https://creativecommons.org/licenses/by-nc-sa/4.0/

Akif Hazarvi

SWIFT codes in Indonesia

ID · IDR

Find the correct SWIFT/BIC code for banks in Indonesia. Use these codes when sending or receiving international wire transfers. A SWIFT code ensures your payment is routed to the correct bank and branch.

Banks

226

SWIFT codes

3

Branches

11

Currency

IDR

Banks and SWIFT codes in Indonesia

B
BANK MANDIRI (PERSERO), PT

SWIFT/BIC	City	Branch	Address
`BMRIIDJAXXX`	JAKARTA	Head Office	JL. GATOT SUBROTO 36-38
`BMRIIDJA851`	SURABAYA	851	JL. PAHLAWAN 120
`BMRIIDJA852`	BANDUNG	852	FLOOR 3, JL. ASIA AFRIKA 107
`BMRIIDJA853`	MEDAN	853	BANK MANDIRI BUILDING, FLOOR 3, JL. IMAM BONJOL 7
`BMRIIDJA854`	SEMARANG	854	BANK MANDIRI BUILDING, FLOOR 2, JL. MPU TANTULAR 19

B
BANK NEGARA INDONESIA - PT (PERSERO)

SWIFT/BIC	City	Branch	Address
`BNINIDJALGS`	LANGSA	LGS	—
`BNINIDJALGA`	LEGIAN	LGA	—
`BNINIDJAKYA`	KAYU AGUNG	KYA	—
`BNINIDJALSW`	LHOKSEUMAWE	LSW	—
`BNINIDJALWK`	LUWUK	LWK	—

P
PT BANK PERMATA, TBK

SWIFT/BIC	City	Branch	Address
`BBBAIDJAXXX`	JAKARTA	Head Office	WORLD TRADE CENTER II (WTC II), FLOOR 21 JL. JEND. SUDIRMAN 29-31

Frequently asked questions

What is a SWIFT code for Indonesia?

A SWIFT code (BIC) for Indonesia is an 8 or 11-character code identifying an Indonesian bank for international wire transfers. The country code portion is ID. For example, CENAIDJA is the SWIFT code for Bank Central Asia (BCA). The structure is: 4 characters for the bank, 2 for country (ID), 2 for the city, and optionally 3 for the branch.

What are the SWIFT codes for major Indonesian banks?

Key Indonesian bank SWIFT codes include: Bank Central Asia (BCA) — CENAIDJA, Bank Mandiri — BMRIIDJA, Bank Rakyat Indonesia (BRI) — BRINIDJA, Bank Negara Indonesia (BNI) — BNINIDJA, CIMB Niaga — BNIAIDJA, Bank Danamon — BDMNIDJA, and Permata Bank — BBBAIDJA. Always verify the exact code with the recipient's bank.

How do I send money to an Indonesian bank account from abroad?

To send an international wire transfer to Indonesia, you need: the recipient bank's SWIFT/BIC code, the recipient's full account number (10–16 digits depending on the bank), and the recipient's full name as registered with the bank. Indonesia does not use IBAN. For some banks, the branch code is also required — ask the recipient to confirm with their bank.

What is BI-FAST and how does it differ from SWIFT?

BI-FAST is Bank Indonesia's domestic real-time payment system, launched in 2021. It handles Indonesian rupiah (IDR) transfers between Indonesian banks 24/7. BI-FAST cannot receive international payments. SWIFT is for cross-border transfers. When a SWIFT transfer arrives at an Indonesian bank, the bank processes it internally and credits the recipient's account.

How long does a SWIFT transfer to Indonesia take?

SWIFT transfers to Indonesia typically arrive within one to three business days. Transfers from major corridors (Malaysia, Singapore, Middle East, Europe) generally settle within one to two business days. Indonesia's time zone (UTC+7 for Java/Bali, UTC+8 for Kalimantan, UTC+9 for Eastern Indonesia) means transfers sent late in the European or US business day may be processed the following Indonesian business day.

Are there Bank Indonesia regulations affecting large inbound transfers?

Yes. Bank Indonesia regulations require reporting of foreign currency transfers above USD 25,000 equivalent. The receiving bank handles the reporting. For business or investment-related transfers, supporting documentation is required. Personal remittances are generally processed without additional steps, though the bank may request a brief statement of purpose for compliance purposes.

Can I receive USD or other foreign currencies in an Indonesian bank account?

Yes. Most major Indonesian banks offer foreign currency accounts (rekening valuta asing) that can receive and hold USD, SGD, EUR, and other currencies. Standard IDR accounts will have inbound foreign currency automatically converted to rupiah. Since the IDR is non-deliverable outside Indonesia, using the formal banking system is essential for receiving international transfers.

Are there fees for receiving a SWIFT transfer in Indonesia?

Indonesian banks typically charge an inbound wire processing fee of IDR 50,000–150,000 per transaction. Currency conversion involves an additional spread over the mid-market rate. Specialist providers with local Indonesian payout networks (partnered with BCA, Mandiri, or BRI) can often deliver at lower total cost and faster settlement than a standard bank SWIFT wire.

How SWIFT works in Indonesia

Bank Indonesia (BI) regulates the payment system and foreign exchange. Domestic rupiah transfers use the BI-FAST real-time payment system launched in 2021, which has largely replaced older RTGS-based domestic routing. For international inbound transfers, Indonesia's major banks are connected to SWIFT, and the recipient must provide both the bank SWIFT code and their domestic account number.

Indonesia's four state-owned banks — BCA (CENAIDJA), Bank Mandiri (BMRIIDJA), Bank Rakyat Indonesia (BRINIDJA), and Bank Negara Indonesia (BNINIDJA) — process the majority of inbound international wires. Note that BCA (Bank Central Asia) is privately owned despite its name. For SME and retail remittances, CIMB Niaga and Permata Bank are also commonly used.
Bank Indonesia regulations require reporting of foreign currency transfers above the equivalent of USD 25,000. Transfers for investment or business purposes require additional documentation. The recipient's bank is responsible for regulatory reporting, but mismatches between the stated purpose and the transaction nature can cause delays.
The Indonesian rupiah (IDR) is a non-deliverable currency outside Indonesia. Inbound foreign currency is converted to IDR at the receiving bank's rate on the settlement date. Indonesian banks typically charge an inbound wire fee of around IDR 50,000–150,000. Some remittance providers have partnered with local Indonesian banks to offer direct-to-account delivery at lower cost than standard SWIFT routing.