Indonesia Bank Code Lookup
BI-FAST & RTGS Bank Codes
Find bank codes and SWIFT codes for all Bank Indonesia-registered banks. Essential for domestic and international transfers.
What is a Bank Code in Indonesia?
In Indonesia, a bank code is a 3-digit number assigned by Bank Indonesia (the central bank) to each licensed financial institution. You will see it called a "kode bank" in Indonesian banking apps. When you make an interbank transfer through your bank app or ATM, you select the destination bank using this code. BCA is 014, Mandiri is 008, BRI is 002, BNI is 009.
This code is not the same as a SWIFT code. The 3-digit bank code works exclusively inside Indonesia for domestic transfers. If someone overseas wants to send money to your Indonesian bank account via wire transfer, they need the SWIFT code, not the 3-digit bank code. That distinction matters, and mixing them up is one of the most common reasons international transfers to Indonesia get delayed or rejected.
How BI-FAST Works and Which Banks Participate
BI-FAST is Bank Indonesia's retail instant payment system, launched in December 2021. It replaced the older Sistem Kliring Nasional Bank Indonesia (SKNBI) for smaller transfers and brought 24/7 real-time interbank settlement to Indonesia for the first time.
Before BI-FAST, interbank transfers in Indonesia used to take hours or overnight. Now they settle in seconds, any time of day, including weekends and public holidays. The cost is capped at IDR 2,500 per transaction, and the maximum transfer amount per transaction is IDR 250 million (about USD 16,000 at current rates).
For transfers above IDR 250 million, you still need RTGS.
| Feature | BI-FAST | RTGS | SKN (old system) |
|---|---|---|---|
| Settlement speed | Real-time (seconds) | Near real-time | Same-day batch |
| Hours | 24/7 | Banking hours only | Banking hours |
| Transfer limit | Up to IDR 250M | Above IDR 250M | Up to IDR 500M |
| Fee (approximate) | IDR 2,500 | IDR 25,000 to 50,000 | IDR 2,900 to 5,000 |
| Bank code used | Yes (3-digit) | Yes (3-digit) | Yes (3-digit) |
The major commercial banks were in the first wave of BI-FAST participants: BCA, BNI, BRI, Mandiri, CIMB Niaga, Danamon, Permata, and Bank BTN. More banks have joined since the initial rollout, and Bank Indonesia continues expanding the network.
All Indonesian Bank Codes: Quick Reference Table
| Bank Name | Bank Code | SWIFT Code | BI-FAST | RTGS |
|---|---|---|---|---|
| Bank Central Asia (BCA) | 014 | CENAIDJA | Yes | Yes |
| Bank Negara Indonesia (BNI) | 009 | BNINIDJA | Yes | Yes |
| Bank Rakyat Indonesia (BRI) | 002 | BRINIDJA | Yes | Yes |
| Bank Mandiri | 008 | BMRIIDJA | Yes | Yes |
| CIMB Niaga | 022 | BNIAIDJA | Yes | Yes |
| Bank Danamon | 011 | BDMNIDJA | Yes | Yes |
| Permata Bank | 013 | BBBAIDJA | Yes | Yes |
| Bank BTN | 200 | BTANIDJA | Yes | Yes |
| Maybank Indonesia | 016 | MBBEIDJA | Yes | Yes |
| HSBC Indonesia | 041 | HSBCIDJA | Partial | Yes |
| Citibank Indonesia | 031 | CITIIDJA | Partial | Yes |
| DBS Indonesia | 046 | DBSSIDJX | Partial | Yes |
| OCBC NISP | 028 | NISPIDJA | Yes | Yes |
| GoPay (GoTo Financial) | 213 | No SWIFT | Yes | No |
| OVO / Grab Pay | N/A | No SWIFT | Via partner | No |
How to Receive an International Wire Transfer to Indonesia
This is where most confusion happens. If you have a family member working abroad sending money home, or if you are receiving a payment from an international employer, here is exactly what the sender needs:
- Your full name exactly as registered with the bank
- Your account number (typically 10 to 16 digits depending on the bank)
- Your bank's SWIFT code (8 or 11 characters, like CENAIDJA for BCA)
- Your bank's name (e.g., Bank Central Asia)
- Your bank's head office address
- Country: Indonesia
Do not give them the 3-digit bank code. That is for domestic transfers only. The SWIFT code is what routes money internationally.
GoPay and OVO: What They Can and Cannot Receive
GoPay (operated by GoTo Financial, formerly Gojek) and OVO are Indonesia's dominant e-wallet platforms, and millions of Indonesians use them for daily payments. For domestic transfers within Indonesia, they work seamlessly and participate in the BI-FAST network through their banking licenses.
GoPay holds a banking license under PT Bank Jago Tbk partnership model and has bank code 213. OVO operates through partnerships with several licensed banks.
Neither GoPay nor OVO holds a SWIFT code, which means they cannot directly receive international wire transfers. If a worker abroad wants to send money directly to a family member's GoPay or OVO wallet, the process goes through a partner bank first, and availability depends on the remittance corridor and provider.
The practical advice: for international transfers, use a commercial bank account (BCA, BNI, BRI, or Mandiri are the safest choices). You can then move money from the bank account to GoPay or OVO domestically once it arrives.
Bank Code vs. SWIFT Code: Which One Do You Need?
| Situation | Code to Use | Example |
|---|---|---|
| Transfer between two Indonesian banks | 3-digit Bank Code | 014 for BCA |
| Receiving wire from a US, UK, EU, or Singapore bank | SWIFT Code | CENAIDJA for BCA |
| Instant BI-FAST transfer within Indonesia | 3-digit Bank Code | 002 for BRI |
| Large-value RTGS transfer within Indonesia | 3-digit Bank Code | 008 for Mandiri |
| Receiving remittance from Wise, Remitly, or WorldRemit | SWIFT Code | BNINIDJA for BNI |
How to Read an Indonesian SWIFT Code
Take BCA's SWIFT code: CENAIDJA
- CENA = Bank identifier (BCA's assigned bank code in SWIFT)
- ID = Country code for Indonesia
- JA = Location code (Jakarta)
This 8-character version refers to the head office. Some banks have an 11-character version with a 3-character branch suffix. For most international transfers to Indonesia, the 8-character SWIFT code is sufficient.
Frequently Asked Questions
What is a bank code in Indonesia?
A bank code in Indonesia is a 3-digit number assigned by Bank Indonesia to each licensed bank. It is used to identify the destination bank when making domestic interbank transfers through BI-FAST or RTGS. BCA is 014, BNI is 009, BRI is 002, Mandiri is 008.
What is BI-FAST and which banks support it?
BI-FAST is Bank Indonesia's real-time instant payment system launched in December 2021. It allows interbank transfers up to IDR 250 million to settle in seconds, 24/7, at a cost of IDR 2,500. Major participants include BCA, BNI, BRI, Mandiri, CIMB Niaga, Danamon, Permata, and BTN.
What is BCA's bank code in Indonesia?
BCA's (Bank Central Asia) 3-digit domestic bank code is 014. For international wire transfers to a BCA account, the SWIFT code is CENAIDJA.
How do I receive an international wire transfer to Indonesia?
Give the sender your full name (as on the account), your account number, your bank's SWIFT code (not the 3-digit bank code), your bank name, and the head office address. Indonesia does not use IBAN, so skip any IBAN field you see on an overseas transfer form.
Can I receive remittances to my GoPay or OVO account?
Not directly via SWIFT wire transfer. GoPay and OVO do not hold SWIFT codes. For international remittances, use a commercial bank account (BCA, BNI, BRI, or Mandiri). Once the money arrives in your bank account, you can transfer it to GoPay or OVO domestically.
What is the difference between BI-FAST and RTGS in Indonesia?
BI-FAST handles transfers up to IDR 250 million, operates 24/7 in real time, and costs IDR 2,500. RTGS handles high-value transfers above IDR 250 million, operates during banking hours, and costs IDR 25,000 to 50,000. Both use the 3-digit Bank Indonesia bank code to identify the destination bank.
Do I need a bank code or SWIFT code for international transfers?
SWIFT code for international, bank code for domestic. The 3-digit bank code only works inside Indonesia. International wire transfers (from overseas banks, Wise, Remitly, WorldRemit, etc.) require the SWIFT code. Look up both in the tool above and share the SWIFT code with any international sender.
