BNI
Bank Information
You can open an account in Indonesian rupiah, US dollars, or another currency and receive a Mastercard for 500,000 IDR.
Account opening conditions
✅ Rupiah account — minimum deposit 5,000,000 IDR
✅ USD account — can be opened only after a rupiah account, minimum deposit 100 USD
📌 The deposit must be made in cash on the day of account opening.
🔗 Information:
Rupiah account: https://www.bni.co.id/en-us/personal/savings/bni-taplus
USD account: https://www.bni.co.id/en-us/personal/savings/bni-dollar
Card
By default, a non-personalized card is issued
A personalized card can be ordered at the bank (production time about 2 weeks)
Card validity — 5 years (sometimes 2–3 years, at the bank’s discretion)
❗️ Contactless payment is not available
Limits
✅ Online spending — 10,000,000 IDR
✅ Cash withdrawal: Platinum — 15,000,000 IDR, Gold — 15,000,000 IDR, Silver — 5,000,000 IDR
✅ Transfers to other banks — up to 200,000,000 IDR
Additional features
✅ PayPal linking is possible (confirm with the bank)
✅ The card works outside Indonesia; you need to notify the bank (can be done via the app)
Important notes
❗️ Mobile app is available in Indonesian; the interface can be switched to English
❗️ The card cannot be directly linked to GoJek — GoPay e-wallet is used for payments
❗️ The USD account is a savings account: ATMs dispense rupiah, USD can only be withdrawn at a bank branch
❗️ Monthly maintenance: Platinum — 21,000 IDR, Gold — 18,500 IDR, Silver — 15,000 IDR
❗️ Minimum balance — 5,000,000 IDR
❗️ The bank may block the account and freeze the card when using crypto exchanges
❗️ A tax number from your country of citizenship is required
❗️ The bank may change service conditions at any time without notice (information is updated when possible)
❗️ A valid visa is required;
If there is no active ITK, the bank may request it
Processing time
Opening an account and receiving a non-personalized card takes 5–7 working days.
How to apply for a card
To start the process, contact our manager. After the manager creates your order, you will fill out the application form in your personal account.
It is important to provide employment information.
Freelancers and unemployed applicants may be refused; you can indicate any workplace of friends or relatives — the main requirement is to provide a company name and position.
The bank may refuse to open an account if this information is not provided.
After you complete the form, your data will be forwarded to a specialist and submitted to the bank.