What an Indonesian Bank Code Is

An Indonesian bank code, called a kode bank, has 3 digits. When you make an interbank transfer in a banking app you choose the destination bank, and the bank code is what names it. It is not a SWIFT/BIC code, which has 8 or 11 characters and is for payments from abroad. The two lists we compared, DOKU's and e2pay's, give the same code for 94 banks. e2pay's list of SKN codes has 7 digits for each bank, and the first three digits are the bank code. This page does not show those longer codes.

BI-FAST, SKN and RTGS

BI-FAST is Bank Indonesia's retail payment system. It works in real time, 24 hours a day, every day. Bank Indonesia says a bank may charge a customer at most Rp2,500 for a transfer, and that BI-FAST lets you pay to a phone number or an e-mail address in place of an account number. Its FAQ of 2023 set a limit of Rp250 million for each transaction at the start, to be reviewed, and says banks may set a lower limit for their customers.

SKN (SKNBI, the national clearing system of Bank Indonesia) settles transfers in batches during set hours. Bank Indonesia's page says the system opens at 06.30 and has nine settlement times from 08.00 to 16.45, and the FAQ says it takes up to Rp1 billion for each transaction. RTGS is for large-value payments, and the FAQ describes it as being for amounts above Rp100 million. A bank's own limits and fees can differ, so check them with the bank.

Sending Money to Indonesia From Abroad

A payment from another country normally goes by the receiving bank's SWIFT/BIC code, the account number and the account holder's name. Indonesia is not in the IBAN registry, so there is no IBAN to give. The BICs on this page come from DOKU's list. The checker marks the ones that GLEIF confirms, and the ones that also appear in another company's list. For a few digital banks e2pay's list of BI-FAST codes gives a different code from DOKU's, and the checker shows it. Confirm any BIC with the recipient's bank, and check its format on our SWIFT code checker.

Sharia Units

Some banks have a Sharia unit, called a UUS (unit usaha syariah), with a BIC of its own, such as SYBDIDJ1 for the unit of Bank Danamon. DOKU gives these units a code with the letters SY after the 3 digits, and that is DOKU's own way of writing it. e2pay lists a bank and its Sharia unit under one code, so the checker shows the unit under the bank's code, with its own BIC.

Tips

• Choose the bank in your app from its list, and read the bank code from this page only if a form asks for it.
• Some banks have changed their names. For example, e2pay's list names the bank with code 213 Bank BTPN, and DOKU's names it Bank SMBC Indonesia. Search under either name.
• Check the account number and the name of the account holder before you send money. A code does not tell you who owns the account.

What This Page Uses

Bank codes, BICs and the transfer networks come from DOKU's list of banks, which has 125 rows. We compared the codes with e2pay's list of banks and the BICs with NICEPAY's bank codes. We asked GLEIF, whose LEI data is open under the CC0 licence, about each BIC through the Swift and GLEIF mapping, and 40 were mapped to a legal entity, which gave the address. The facts about BI-FAST, SKN and RTGS come from Bank Indonesia's page on retail payment infrastructure and its BI-FAST FAQ. Bank Indonesia announces its BI-FAST participants in notices, some of which are scanned pages that we could not read, so the networks on this page are not its list. We last checked on 20 September 2026.

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