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 около 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 only
❗️ 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❗️ The USD account is a savings account: ATMs dispense rupiah, USD can only be withdrawn at a bank branch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, you need to fill out an application form in English.
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 completing the form, contact us — you will receive a payment link, after which your data will be forwarded to a specialist and submitted to the bank.