BNI
Account Information
You can open an account in rupiah, dollars, or other currencies and get a Mastercard payment system card for 500,000 rupiah.
Deposit for a rupiah account — 3,000,000 IDR.
A dollar account is opened only after a rupiah account, the deposit for a dollar account is — 100 USD
The deposit is made on the day of the bank opening, in cash.
By default, a nameless card is issued, but you can order a named one at the bank itself, its preparation will take about 2 weeks. In general, the card is issued for 5 years, but they can issue it for 2-3 years.
BNI Bank has fairly high limits on online spending, transfers, and cash withdrawals.
✅ Online spending limit — 10,000,000 IDR.
✅ ATM cash withdrawal limit — Platinum — 15,000,000 rupiah, Gold — 15,000,000 rupiah, Silver 5,000,000 rupiah.
✅ Transfer limit to other banks — 200,000,000 rupiah.
Can be linked to PayPal.
The card works outside Indonesia, but you need to notify the bank about this, the convenience is that it can be done directly from the app.
The mobile application is in Indonesian.
What to pay attention to before opening an account in this bank:
The card cannot be directly connected to GoJek, if you want to use GoJek app payments, you need to top up the Gopay e-wallet.
The USD account is more like a savings account, but when withdrawing cash at an ATM, rupiah will be dispensed from this card.
Platinum monthly maintenance — 10,000 rupiah, Gold — 17,500 rupiah, Silver — 12,500 rupiah
The bank can change the service conditions at any time without notice, but we always strive to update the information for you.
Minimum balance — 20,000 IDR (If the balance at the end of the month is below 150,000, the maintenance fee will increase by 2,500 rupiah)
Minimum balance for a USD account — 5 USD.
Account opening and card issuance takes about 10-12 business days.
To open an account, you need to fill out a questionnaire, after which we will send your documents to the bank and invite you to the bank.
Application Guide
We have prepared an application user guide in Russian for you — https://legalindonesia.id/ru/instrukcija-bni/
How to Submit Documents for Card Issuance
You need to fill out a questionnaire in English.
Be sure to specify the place of work! Freelancers and the unemployed are refused account opening, indicate any place of work of friends or relatives, the main thing is to specify the company and position in it. After filling in, write to us, we will pass it on to a specialist, and you will be put in line to contact the bank.
Then pay via the link — https://invoice.xendit.co/od/500000 — and send us the transaction confirmation.
Our service is about assisting in opening a bank account without a KITAS.
Unfortunately, we cannot advise on banking products because the information is often updated and depends on many factors (for example, on the balance of your account, monthly turnover, etc.).
If you want full consultation on banking issues, please contact the bank.
The decision to open an account always rests with the bank.