Indonesian bank account
Opening an account at BNI, Mega, Permata or OCBC with local sponsorship — including without a KITAS.
- Typical timeline
- 1-3 business days
- Cost of service
- from $149
A local bank account solves half of daily life here: rent, utilities, in-app purchases, receiving transfers. Without one, living on the island turns into a permanent cash-exchange errand.
The main thing worth knowing: an account can be opened without a KITAS. We provide local sponsorship, which removes the principal obstacle for anyone still on a visit visa.
Banks differ not by the loudness of the name but by the details that surface a month later: what currency the card is in, whether you must visit a branch before travelling abroad, what deposit is required at opening, whether SWIFT works.
What is included
- Local sponsorship provided
- Document collection and completion
- A dedicated account manager at the bank
- BNI — cards in rupiah and dollars, Mastercard Platinum, deposit from 1m IDR (from 3m for USD)
- Mega — VISA card in rupiah, SWIFT transfers, notify the bank by WhatsApp, deposit 1m IDR
- Permata — VISA card in rupiah, deposit 3m IDR
- OCBC — multicurrency card in 12 currencies, virtual cards, deposit from 50m IDR reduced to 1m after opening
How it runs
Choosing the bank1 day
We match it to the job: currencies, transfers abroad, deposit size, travel patterns. Different banks suit different lives.
Documents and sponsorship1 day
We prepare the file and arrange local sponsorship — that is what makes opening without a KITAS possible.
Branch visit1 day
We accompany you, help with signing and set up the mobile app.
Common questions
Can I open an account without a KITAS?
Yes. We provide local sponsorship, which is the main requirement for opening without a residence permit.
Which bank should I choose?
OCBC for multicurrency and travel, Mega for SWIFT transfers abroad, BNI for a dollar card. We match it to your case.
How much deposit is needed?
From 1m IDR at Mega and BNI, 3m at Permata, and from 50m at OCBC reduced to 1m after opening.
How long does it take?
One to three days from submitting documents.