🇮🇩 Sending to Indonesia¶
ID · IDN · +62 · Southeast Asia
National format SWIFT BIC required
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Required information¶
For your end users
Double-check the beneficiary's full name (no initials), account number, and bank SWIFT/BIC against what their bank has on file. International wires can take 1-5 business days and may be delayed by sanctions screening.
Real-Time Alternative
BI-FAST
Last reviewed by GIB compliance on 2026-05-20. Reference material only.
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Currency
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Typical settlement
1-2 business days typical; longer for cross-border with FX or compliance review.
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SWIFT BIC
Required
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Local clearing
BI-RTGS / BI-FAST
Account format¶
How beneficiary account numbers are structured for Indonesia. Failure to match this format is the single most common reason wires are rejected at the destination.
| Field | Value |
|---|---|
| Format tier | National format |
| Length | Local format; no IBAN. SWIFT/BIC required. |
Routing identifiers¶
Which routing codes the wire-creation API call must include for Indonesia.
| Field | Value |
|---|---|
| SWIFT BIC | Required |
| None | Optional |
| Local clearing | BI-RTGS / BI-FAST |
Address format¶
How Indonesia expects the beneficiary address to appear on the wire. Free-form variations frequently trigger compliance holds.
- Recipient's Full Name
- Street & Building Number
- District
- City & Postal Code
- Country
| Field | Value |
|---|---|
| Postal code | Optional — this country has no postal code format |
| Example | John Doe Jalan Paso No 70 Jagakarsa Jakarta Selatan 12620, JK IDN |
Counterparty fields¶
Party details the destination expects on the beneficiary. Mandatory fields are required by the destination; recommended fields reduce the chance of a delay or return.
Recommended:
- Beneficiary phone number (
Cdtr/CtctDtls/PhneNb)
Purpose of payment¶
Put the country's own code in <Purp><Prtry> (purpose_code_proprietary).
Requirement: Highly recommended
GIB check: a missing or unexpected purpose is reported as a validation warning; the wire is not held.
Not yet confirmed
We have not yet confirmed this country's purpose-of-payment requirement against a central-bank or correspondent-bank source. Including a purpose is recommended. We update these guides as we confirm each country.
| Field | Value |
|---|---|
| Code format | 4-digit Purpose of Payment code (Bank Indonesia / OJK regulations). |
| Authoritative source | ↗ View source |
Available codes:
4-digit codes administered by Bank Indonesia.
Remittance info¶
Extra content the regulator requires inside the free-text remittance field, beyond the purpose-of-payment code.
Purpose must be clearly identified (rent, salary, utilities). Sistem Kliring Nasional (SKN) data may be required.
Compliance triggers¶
Beneficiary tax-ID requirements and rules that activate at certain payment amounts.
| Trigger | Requirement |
|---|---|
| Residency restrictions | Beneficiary name match must be exact; initials trigger return. |
Operational notes¶
| Field | Value |
|---|---|
| Currencies accepted | IDR, USD |
| Typical settlement | 1-2 business days typical; longer for cross-border with FX or compliance review. |
| Banking holidays | ↗ Calendar |
Known issues:
- Additional documentation may be required by beneficiary bank to support purpose of payment.
Common rejection reasons¶
Documented patterns that cause this country's banks to return wires. Universal reasons (sanctions holds, missing BIC) aren't repeated here.
Beneficiary name not exact match - initials trigger return.
Missing 4-digit Bank Indonesia PoP code.
Missing supporting documentation requested by beneficiary bank.
Sanctions or compliance hold.
Validate before you send¶
Check identifiers before you submit. The IBAN check runs in your browser (format plus the ISO 13616 MOD-97 check digit). GIB's API checks the IBAN format for countries where an IBAN is required. The BIC lookup searches GIB's BIC directory and needs a dashboard login.
BIC lookup
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References¶
First-party sources — central banks, FX regulators, ISO registries. Always re-verify against these before pushing volume to a new corridor.
Disclaimer
These country guides aggregate information from central banks, regulators, and industry-standard references. Global Innovations Bank reviews them on a rolling cadence and notes the verification date on each page. Payment-corridor rules change between releases, so we cannot guarantee continued accuracy.
Always verify against the primary sources linked in the References section before going live in a new corridor. Re-check applicable sanctions lists (OFAC, EU, UK, UN consolidated, and any state-level requirements) at the time of payment, since designations shift between our refreshes.
For fintech partners on GIB's sponsor-bank rails, these guides do not replace your BSA/AML, KYC, sanctions-screening, or transaction-monitoring obligations under your program agreement with GIB.
Nothing in this material constitutes legal, tax, or regulatory advice, and wire-acceptance decisions remain at the discretion of GIB Compliance and the destination bank.