The law

Opening a bank account in Indonesia as a foreigner

This page separates the law from the practice of banks. The law sets which checks a bank must make, what it must report, what you may carry across the border, what the deposit guarantee covers and where to complain. Which documents a given bank wants, whether it opens an account at all, and its fees are the bank's own policy. We name no bank and give no rate.

Last checked 6 October 2026

Draft, under notary review

General information, not legal advice.

How to read this page

This page is for a foreigner who wants an Indonesian bank account, to pay rent or bills, to buy or lease property, or to meet a permit condition. It states what the written law says, with the article, and says where the law is silent. It is general information, not legal advice. It names, recommends and rates no bank, and it gives no interest rate, fee or product.

Two kinds of rule are mixed in everyday talk about banks, so each section says which one it describes. Law is what a regulation requires of every bank and customer. Bank policy is what one bank chooses to ask, charge or refuse. Where we found no official text for a point that people often raise, we say so instead of repeating it.

We used the texts in force on 6 October 2026: the anti money laundering law (UU 8/2010) and the regulation of the financial services authority (OJK, Otoritas Jasa Keuangan) that applies it to banks (POJK 8/2023); the regulation of the financial intelligence unit (PPATK) on reports; the texts on carrying cash across the border (UU 8/2010, PP 99/2016, PMK 157/2017 as amended by PMK 100/2018, PBI 4/8/PBI/2002); the Bank Indonesia texts on reporting foreign exchange flows (PBI 9/2024, PBI 21/15/PBI/2019, PADG 21/28/PADG/2019 as amended by PADG 8/2026); the tax information access law (UU 9/2017) with its regulation (PMK 70/2017 as amended); the deposit guarantee law (UU 24/2004 as amended by UU 4/2023) with the pages of the guarantee agency (LPS); and the OJK regulation on consumer protection (POJK 22/2023). UU 4/2026 of 17 June 2026 amended UU 4/2023 again; we searched its text and found no guarantee limit and no new kind of covered deposit in it.

Three subjects are on other pages and are linked here, not repeated: the rule that payments in Indonesia are made in rupiah, the ban on lending to a non-resident and the paper rule for buying foreign currency (pages on financing and on selling and leaving); tax numbers and deadlines (page on tax deadlines); and the agent's side of the anti money laundering rules (page on professionals). Criminal penalties are not stated on this page: UU 1/2026 adjusted the criminal fines of older laws, and the only sanctions given here are the administrative ones that the texts name.

Law or the bank's own policy

Each row says where the answer comes from. Law means a regulation that binds every bank. Bank policy means the bank decides and we know of no text that sets it.

Law or the bank's own policy
Question	Where the answer comes from	What the texts say
Will a bank open an account for me?	Bank policy, within the checks of the law	We found no text that obliges a bank to open an account for a foreigner, and none that bars it. The rule that bars banks from lending to a person not domiciled in Indonesia is about credit, not deposits: see the page on financing.
Which identity papers must the bank collect?	Law	For a foreigner, a passport together with an immigration document; the official elucidation gives a residence permit card as the example (POJK 8/2023 Pasal 26(2) huruf b).
Is a visit permit enough, or only a residence permit card?	Not stated; the bank decides	The regulation says dokumen keimigrasian (immigration document) and gives the residence permit card as an example. It does not say whether a visa or a visit permit is enough.
A letter of domicile, a reference, a tax number, a minimum balance, a visit to a branch	Bank policy unless a text says otherwise	None of these is on the list of data a bank must collect from an individual (POJK 8/2023 Pasal 25(1) huruf a), which ends with other data and information, if needed. We found no official list of what banks ask foreigners for, so we state none.
Fees, interest, card limits, cash machine charges, the app	Bank policy	Not covered on this page. Read the bank's terms before you sign.
What the bank reports about you	Law	Suspicious transactions, large cash, every transfer from or to abroad, the data of foreign tax residents and the bank's reports to Bank Indonesia: see the sections on reports.
Closing your account	Law where you refuse the checks or the bank doubts your data; otherwise the account agreement	UU 8/2010 Pasal 22(1) obliges a bank to end the relationship in those two cases. For other closings we read no rule: the agreement decides.
What happens to your money if the bank fails	Law	The deposit guarantee, with a limit per customer per bank: see the section on the guarantee.
Where to complain	Law	The bank first, then OJK, a dispute body approved by OJK, or a court: see the section on complaints.

Question: Will a bank open an account for me?
Where the answer comes from: Bank policy, within the checks of the law
What the texts say: We found no text that obliges a bank to open an account for a foreigner, and none that bars it. The rule that bars banks from lending to a person not domiciled in Indonesia is about credit, not deposits: see the page on financing.

Question: Which identity papers must the bank collect?
Where the answer comes from: Law
What the texts say: For a foreigner, a passport together with an immigration document; the official elucidation gives a residence permit card as the example (POJK 8/2023 Pasal 26(2) huruf b).

Question: Is a visit permit enough, or only a residence permit card?
Where the answer comes from: Not stated; the bank decides
What the texts say: The regulation says dokumen keimigrasian (immigration document) and gives the residence permit card as an example. It does not say whether a visa or a visit permit is enough.

Question: A letter of domicile, a reference, a tax number, a minimum balance, a visit to a branch
Where the answer comes from: Bank policy unless a text says otherwise
What the texts say: None of these is on the list of data a bank must collect from an individual (POJK 8/2023 Pasal 25(1) huruf a), which ends with other data and information, if needed. We found no official list of what banks ask foreigners for, so we state none.

Question: Fees, interest, card limits, cash machine charges, the app
Where the answer comes from: Bank policy
What the texts say: Not covered on this page. Read the bank's terms before you sign.

Question: What the bank reports about you
Where the answer comes from: Law
What the texts say: Suspicious transactions, large cash, every transfer from or to abroad, the data of foreign tax residents and the bank's reports to Bank Indonesia: see the sections on reports.

Question: Closing your account
Where the answer comes from: Law where you refuse the checks or the bank doubts your data; otherwise the account agreement
What the texts say: UU 8/2010 Pasal 22(1) obliges a bank to end the relationship in those two cases. For other closings we read no rule: the agreement decides.

Question: What happens to your money if the bank fails
Where the answer comes from: Law
What the texts say: The deposit guarantee, with a limit per customer per bank: see the section on the guarantee.

Question: Where to complain
Where the answer comes from: Law
What the texts say: The bank first, then OJK, a dispute body approved by OJK, or a court: see the section on complaints.

What the law makes a bank do when you open an account

A bank is a reporting party (pihak pelapor) under the anti money laundering law (UU 8/2010 Pasal 17(1) huruf a angka 1). It must apply the principle of knowing the customer that its regulator sets, which for banks is POJK 8/2023 (UU 8/2010 Pasal 18(1) and (2)). The principle covers at least identifying the customer, verifying the identity and monitoring the transactions (Pasal 18(5)). It applies when the business relationship starts, for a transaction worth Rp100,000,000 or more, when a transaction looks suspicious and when the bank doubts the information it was given (Pasal 18(3)). Before it opens the relationship the bank must identify the prospective customer and verify the data and documents (POJK 8/2023 Pasal 21(1)). The same article is described for property agents on the page on professionals.

The customer must give true identity and information, at least identity, source of funds and the purpose of the transaction, with supporting documents, and the same about anyone the customer acts for (UU 8/2010 Pasal 19(1) and (2)). If the identity or documents are incomplete, the bank must refuse the transaction (Pasal 20(3)). A bank may not open an anonymous account or one in a fictitious name, and may not open a relationship or keep an account if the customer refuses to follow the programme or the bank doubts the identity or the completeness of the documents (POJK 8/2023 Pasal 23(1) and (2)). The Act adds that a bank must end the business relationship if the customer refuses the checks or the bank doubts the information, and must then report the ending to PPATK as a suspicious transaction (UU 8/2010 Pasal 22(1) and (2)).

The bank checks the data by a meeting in person, by an online video meeting, or without a meeting by electronic means (POJK 8/2023 Pasal 21(2)). The third way rests on population data and at least two authentication factors (Pasal 21(5) huruf c). The text does not say how it works for someone with no Indonesian population record; our reading is that a foreigner would use the first two, but the text does not say so. Whether a bank offers video opening, and for which permits, is its own choice.

Some permits ask for a deposit in an account in the foreigner's own name at a state-owned bank; those conditions are on the page on visas and stay, not here.

What a bank must ask an individual for

For an individual the bank must ask for: the full name, with any alias; the number of the identity document; the address on the document and any other address; place and date of birth; nationality; occupation; the address and telephone of the workplace, if any; sex; marital status; the mother's maiden name; the identity of the beneficial owner, if any (the person for whom you act, or who owns the funds); the source of the funds; the average yearly income or net worth; the purpose of the business relationship or transaction; and other data and information if needed (POJK 8/2023 Pasal 25(1) huruf a).

The data must be supported by an identity document and a specimen of the signature, which may be an electronic signature (Pasal 26(1) and (3)). For a foreigner the document is a passport together with an immigration document under the immigration law (Pasal 26(2) huruf b).

The bank also asks whether you act for yourself or for someone else, and if for someone else it asks for that person's identity and documents (UU 8/2010 Pasal 20(1) and (2)). It must keep the identity records for at least 5 years after the relationship ends (Pasal 21(2)).

An Indonesian tax number (NPWP) is not on the list of Pasal 25(1) huruf a. What an NPWP is and who needs one are on the page on the tax number (NPWP); the deadlines that follow are on the page on tax deadlines, and closing the number when you leave is on the page on selling and leaving (section If you leave Indonesia: stay permit, exit and tax number).

The declaration of tax residence, and what reaches the tax office

When a bank opens an account for a new individual customer it must also ask for a declaration of tax residence (pernyataan diri, self-certification). This is law, not bank policy: Indonesia exchanges financial account information with other countries under tax treaties, and the banks collect the data (UU 9/2017, which made emergency regulation PERPU 1/2017 law, Pasal 2(4) and (5) and Pasal 5; PMK 70/2017 Pasal 9(2a), as amended by PMK 19/2018).

The declaration states the holder's name, address, country of tax residence, tax number in each country of residence, and date and place of birth, with a statement that it is true and that the holder will tell the bank within 90 days if the facts change (PMK 70/2017 Pasal 10(2), as amended by PMK 19/2018). The tax number and the birth data may be left out where the conditions of annex I letter C are met; we did not read that annex. A bank may not open a new account for a person who refuses (UU 9/2017 Pasal 2(6); PMK 70/2017 Pasal 10A, added by PMK 47/2024).

Each calendar year the bank reports the accounts that are reportable under the international standard to the tax authority: the holder's identity, the account number, the bank's identity, the balance and the income on the account (UU 9/2017 Pasal 2(2) and (3)). The bank's duty of secrecy does not apply to this (Pasal 2(8)). The Director General of Taxes may also ask a bank for information and evidence (Pasal 4), and the Minister of Finance may exchange the information with the authority of another country under a tax treaty (Pasal 5). The procedure checks the holder's country of tax residence and whether the account is reportable (Pasal 2(5)).

We say nothing here about the tax of your home country or about when an account is reportable to it. The Indonesian tax side is on the page on tax deadlines.

What a bank reports about your money

A bank must report to PPATK, the financial intelligence unit: suspicious transactions; cash transactions of Rp500,000,000 or more, or the equivalent in a foreign currency, in one transaction or in several in one working day; and transfers of funds from and to abroad (UU 8/2010 Pasal 23(1)).

PPATK's regulation says the cash reports cover deposits, withdrawals, payments, gifts, safekeeping and exchange, in banknotes and coins (Peraturan PPATK 1/2021 Pasal 6(2) and (3)). It lists transfers from and to abroad with no minimum amount, where cash has one (Pasal 2(2) huruf c and d, and Pasal 8).

The law exempts the bank's reporting from the secrecy rules that bind the bank, so a report needs no consent from the customer (our reading), and it protects the bank and its staff from civil and criminal claims for reporting, unless they abused their power (UU 8/2010 Pasal 28 and 29). The bank's directors, commissioners, managers and staff may not tell the customer or anyone else that a suspicious transaction report is being prepared or has been sent (Pasal 12(1)). A bank that closes an account may therefore be unable to say why; that is our reading, not a stated rule.

These duties apply to every customer of every bank. How property agents, notaries and PPAT apply the same law is on the page on professionals.

Reports to Bank Indonesia and papers for sending foreign currency abroad

Bank Indonesia's regulation on managing foreign exchange flows says every resident must give Bank Indonesia data on its foreign exchange activity, directly or through a party Bank Indonesia names, and the residents it lists include individuals (PBI 9/2024 Pasal 9(1) and (2) huruf e). A resident is a person who is domiciled, or plans to be domiciled, in Indonesia for at least one year (Pasal 1 angka 2); the page on financing uses the same test. The form of reporting is left to Bank Indonesia (Pasal 11). We found no form or threshold that an individual files alone; for bank customers the bank reports.

The bank's report: every month a bank sends Bank Indonesia a report of the transactions of the bank and its customers that change the bank's foreign financial assets and liabilities, that is, what it holds against non-residents and what it owes them (PADG 21/28/PADG/2019 Pasal 2(3) and 3; PBI 21/15/PBI/2019 Pasal 1 angka 3 and 4). The elucidation of the Bank Indonesia regulation gives as examples receipts from abroad and payments abroad, in rupiah or in a foreign currency (PBI 21/15/PBI/2019, Penjelasan Pasal 3 ayat (2)). A transaction above US$10,000 or its equivalent is reported one by one with details; smaller ones are reported grouped (PBI 21/15/PBI/2019 Pasal 4(1) and (2); PADG 21/28/PADG/2019 Pasal 6(1) and (2)).

Papers for sending money out: a customer whose transaction is a transfer of foreign currency out (Transfer Dana Keluar, which the regulation defines as a foreign exchange traffic transaction: a movement between a resident and a non-resident, a transfer abroad included) worth more than US$50,000 must give the bank supporting documents for the transfer, and the bank may carry out the order only if they are complete (PADG 21/28/PADG/2019 Pasal 27(1), (3) and (4), as amended by PADG 8/2026, in force from 1 April 2026; the earlier limit was US$100,000). This does not apply to moving your own deposit between banks inside Indonesia (Pasal 27(5) huruf b). The kinds of document follow an annex of the regulation; where yours is not listed, the customer signs a statement in the form of another annex (Pasal 29(1) and (2)), the customer or an authorised person signing for an individual (Pasal 29(3) huruf a). The customer answers for the truth of the documents (Pasal 29(7)), and the bank must have them before the transaction is settled (Pasal 29(6)).

The purchase of foreign currency with rupiah has its own documents rule, and a rupiah transfer abroad is restricted: both are on the page on selling and leaving, section Taking the money out of Indonesia. A payment to a seller, developer or landlord in Bali from abroad must reach them in rupiah: see the page on financing, section Paying in rupiah, and paying from abroad. The bank may ask for the source of funds and the purpose of such a transfer as part of its checks.

We could not read annex II of the PADG, which lists the documents (the zip file with the annexes did not download, and the PDF we read has no annexes), so we cannot say which document a bank accepts for a given transfer, for example the sale of a house. Bank Indonesia changes this limit often: ask the bank for the figure of the day.

Carrying cash across the border

These rules bind everyone who enters or leaves Indonesia, not only bank customers. The limits are in rupiah; a foreign currency counts at its rupiah value. Customs (Bea dan Cukai) supervises the carrying and Bank Indonesia gives the permits.

Carrying cash across the border
Situation	What the rule says	Where it is written
Cash, or a cheque, travellers cheque, promissory note, giro slip or certificate of deposit, worth Rp100,000,000 or more (or the equivalent in a foreign currency), brought in or taken out	You must declare it to Customs, with the customs declaration and a form that asks for your identity, the number of your passport or other identity document, the route, the amount and kind, the source and destination of the money, and the beneficial owner if it is not yours.	UU 8/2010 Pasal 34(1); PP 99/2016 Pasal 1 angka 1, 2(1) and 3(1); PMK 157/2017 Pasal 3(3) and 5(1) and (3), as amended by PMK 100/2018
When to declare	Arriving: at the latest on arrival. Leaving: at the latest before the immigration officer gives the exit stamp.	PMK 157/2017 Pasal 6(3), (4) and (5), as amended by PMK 100/2018
Rupiah banknotes or coins of Rp100,000,000 or more, taken out of Indonesia	You need a Bank Indonesia permit first. Bank Indonesia may give it only for testing a money-handling machine, an exhibition abroad or another case it finds in the public interest; it is for one use, valid up to 30 working days, and must be asked for in writing at least 15 working days before departure.	PP 99/2016 Pasal 4; PBI 4/8/PBI/2002 Pasal 2, 4 and 5(1)
Rupiah of Rp100,000,000 or more, brought into Indonesia	Have its authenticity checked by Customs at the place of arrival.	PBI 4/8/PBI/2002 Pasal 3
Foreign banknotes worth Rp1,000,000,000 or more	An individual is forbidden to carry them. A company, or a person who carries them for a company, may do so only with Bank Indonesia's permit and approval.	PMK 157/2017 Pasal 3(4), (5) and (6), as amended by PMK 100/2018
Not declared, or more than declared	An administrative fine of 10 percent of the amount carried (of the excess, if you declared less), at most Rp300,000,000, taken from the cash. A fine on instruments is paid in cash or as the officer approves within 5 working days; if it cannot be paid on the spot, the cash or instruments may be held for up to 5 working days. The fine does not remove the criminal provisions. Taking out Rp100,000,000 or more in rupiah without the permit carries the same fine.	UU 8/2010 Pasal 35(1) to (3); PP 99/2016 Pasal 6(5), 13, 14, 15 and 17; PBI 4/8/PBI/2002 Pasal 6(1)
What Customs does with a declaration	Customs reports every declaration to PPATK within 5 working days. If the carrying looks suspicious, Customs may question you and search your person and your bags. The signs are the amount, repetition, information from PPATK or the police, the carrier's profile and behaviour, and cash that is not declared or is hidden.	UU 8/2010 Pasal 34(2); PP 99/2016 Pasal 7(2) and (3)

Situation: Cash, or a cheque, travellers cheque, promissory note, giro slip or certificate of deposit, worth Rp100,000,000 or more (or the equivalent in a foreign currency), brought in or taken out
What the rule says: You must declare it to Customs, with the customs declaration and a form that asks for your identity, the number of your passport or other identity document, the route, the amount and kind, the source and destination of the money, and the beneficial owner if it is not yours.
Where it is written: UU 8/2010 Pasal 34(1); PP 99/2016 Pasal 1 angka 1, 2(1) and 3(1); PMK 157/2017 Pasal 3(3) and 5(1) and (3), as amended by PMK 100/2018

Situation: When to declare
What the rule says: Arriving: at the latest on arrival. Leaving: at the latest before the immigration officer gives the exit stamp.
Where it is written: PMK 157/2017 Pasal 6(3), (4) and (5), as amended by PMK 100/2018

Situation: Rupiah banknotes or coins of Rp100,000,000 or more, taken out of Indonesia
What the rule says: You need a Bank Indonesia permit first. Bank Indonesia may give it only for testing a money-handling machine, an exhibition abroad or another case it finds in the public interest; it is for one use, valid up to 30 working days, and must be asked for in writing at least 15 working days before departure.
Where it is written: PP 99/2016 Pasal 4; PBI 4/8/PBI/2002 Pasal 2, 4 and 5(1)

Situation: Rupiah of Rp100,000,000 or more, brought into Indonesia
What the rule says: Have its authenticity checked by Customs at the place of arrival.
Where it is written: PBI 4/8/PBI/2002 Pasal 3

Situation: Foreign banknotes worth Rp1,000,000,000 or more
What the rule says: An individual is forbidden to carry them. A company, or a person who carries them for a company, may do so only with Bank Indonesia's permit and approval.
Where it is written: PMK 157/2017 Pasal 3(4), (5) and (6), as amended by PMK 100/2018

Situation: Not declared, or more than declared
What the rule says: An administrative fine of 10 percent of the amount carried (of the excess, if you declared less), at most Rp300,000,000, taken from the cash. A fine on instruments is paid in cash or as the officer approves within 5 working days; if it cannot be paid on the spot, the cash or instruments may be held for up to 5 working days. The fine does not remove the criminal provisions. Taking out Rp100,000,000 or more in rupiah without the permit carries the same fine.
Where it is written: UU 8/2010 Pasal 35(1) to (3); PP 99/2016 Pasal 6(5), 13, 14, 15 and 17; PBI 4/8/PBI/2002 Pasal 6(1)

Situation: What Customs does with a declaration
What the rule says: Customs reports every declaration to PPATK within 5 working days. If the carrying looks suspicious, Customs may question you and search your person and your bags. The signs are the amount, repetition, information from PPATK or the police, the carrier's profile and behaviour, and cash that is not declared or is hidden.
Where it is written: UU 8/2010 Pasal 34(2); PP 99/2016 Pasal 7(2) and (3)

The deposit guarantee (LPS)

The Deposit Insurance Corporation (Lembaga Penjamin Simpanan, LPS) guarantees the deposits of bank customers: current accounts (giro), time deposits, certificates of deposit, savings and similar forms, including the sharia forms (UU 24/2004 Pasal 4 huruf a, as amended by UU 4/2023; LPS FAQ). The texts we read define a depositor by the deposit agreement with the bank, not by nationality or residence (UU 7/1992 on banking as amended by UU 4/2023, Pasal 1 angka 16 and 17). LPS says the guarantee covers every conventional and sharia bank that operates in Indonesia, which includes the branches of foreign banks; branches abroad of Indonesian banks are not covered.

The limit is Rp2,000,000,000 per customer per bank, since 13 October 2008 (LPS FAQ). UU 24/2004 Pasal 11(1) set the limit at Rp100,000,000 and Pasal 11(4) left a change to a Government regulation; PP 66/2008 Pasal 1 raised it to Rp2,000,000,000, which is the figure LPS applies. All your accounts at one bank are added together, and a joint account is divided between its holders. The sum counts the principal and the interest or profit share that is already yours. If you hold more than the limit at one bank, the rest is settled in the bank's liquidation. A deposit at a second bank has its own limit.

Conditions, as LPS states them: the deposit is recorded in the bank's books; the interest you receive is not above the guarantee rate that LPS publishes on its website for each period (if it is, the deposit is not guaranteed at all, neither principal nor interest); and you are not shown to have taken part in fraud or caused the bank's failure (LPS pages on guaranteed deposits and FAQ). Transfers in and out and collections are not deposits, except a transfer out that has not yet left the bank and a transfer in that the bank has received for you (LPS FAQ).

A claim is paid in rupiah; a foreign currency deposit is paid at its rupiah equivalent at the Bank Indonesia rate (UU 24/2004 Pasal 17(2) and (3), as amended by UU 4/2023). If you also owe the bank, the claim is paid after setting off your debt against your deposit (Pasal 18(1)).

Complaints: the bank first, then OJK

OJK's regulation on consumer protection applies to a customer who owns or uses a product or service of a financial business (POJK 22/2023 Pasal 1 angka 3); nationality is not a condition. It distinguishes a complaint that points to a dispute (a loss that the business caused by not keeping the agreement or document) from a complaint that points to a violation (information about a breach of the financial sector rules) (Pasal 1 angka 7 and 8).

Complain to the bank first. A financial business must have a complaint service that receives, handles and settles complaints, open around the clock where the service is used around the clock (Pasal 69(1) to (3)). It must receive, record and document every complaint, spoken or written, at every office (Pasal 70). For a spoken complaint it must give you a confirmation with a registration number and the date of receipt (Pasal 72). A spoken complaint must be followed up and settled within 5 working days; if documents are needed, the bank asks you to put the complaint in writing with them (Pasal 74(1) and (2)). For a written complaint the bank may ask for your identity, the kind and date of use of the product, the problem, and other documents, and gives you 10 working days to complete them (Pasal 71(2), (4) and (5)); it must settle within 10 working days of receiving the complete documents, extendable once by up to 10 working days for the reasons in the article, with written notice before the time ends (Pasal 75(1) to (4)).

The bank must answer: an explanation if it finds no fault, or an offer of settlement if it does (Pasal 77(1) and 78(1)). A spoken answer that you do not accept must be confirmed in writing (Pasal 78(4)); the elucidation says that written answer is what you need to go further. The bank may decline to handle a complaint if you do not complete the documents in time, if it was already settled, if it is not about a direct, reasonable material loss under the agreement, if it is not about that bank's product, or if a court has the case or has decided it (Pasal 76(1)).

If you do not agree with the result, you may complain to OJK, which handles it within its powers; or take the dispute to the dispute settlement body for the financial sector (LAPS Sektor Jasa Keuangan) that OJK has approved; or go to a court (Pasal 82(1)). You file with OJK through its integrated consumer service system, you can follow the case there, and you have 10 working days to answer the bank's reply there (Pasal 96(1) to (3) and (7)); the elucidation names the application used, APPK.

A report of fraud or theft, for example of someone who took money by using your login, goes to the police: see the page on disputes, section Police. OJK's own pages with its telephone, WhatsApp and web form refused our automated request on 6 October 2026, so we give no number: take the current channels from ojk.go.id.

Peraturan Otoritas Jasa Keuangan Nomor 22 Tahun 2023 tentang Pelindungan Konsumen dan Masyarakat di Sektor Jasa Keuangan, Pasal 1, 69 sampai 78, 82 dan 96 6 October 2026

What this page does not cover

Interest, fees, products and cards of any bank; QRIS and e-wallets; money changers and their licences; crypto assets; an account for a company (a PT PMA) or a foundation; the Indonesian tax on interest; the tax of your home country; joint accounts beyond the guarantee rule; inheriting an account; dormant accounts; the bank's secrecy rules beyond the exceptions above (we did not read the secrecy articles of the banking law); and insurance of cards against fraud.

Also not covered: how to send money from Russia or any other country, and which apps or banks do it. The law that applies to the money once it moves is in the sections above and on the pages on financing and on selling and leaving.

Questions to put to the bank

Which immigration document do you need to see for my permit: a passport and a residence permit card, or something else? Is that in your written requirements?

Do I have to come to a branch, or can the identity check be done by a video meeting, and what does that need from me?

Which data and documents beyond the regulation's list do you require (a letter of domicile, a reference, a minimum balance), and which of them are your own policy?

What does your declaration of tax residence ask for, and what do I write if I have no tax number in my home country?

If I send foreign currency abroad above US$50,000, which documents do you accept and by when must you have them? For the sale of a house, which document do you accept?

If my payment or my account is held for checks, to whom do I write, in how many days will I get an answer, and will it be in writing?

Is the bank a participant in the LPS guarantee, and how does it show it? What happens to my deposit if I also owe the bank?

Where do I file a written complaint, and how do I get the registration number and the date of receipt? What time limit does the bank follow?

What we could not confirm

What banks commonly ask of a foreigner. We found no official list of the papers, letters or balances that banks request beyond the regulation, so none is given and none is called law.

Whether a visa or a visit permit counts as the immigration document for an account. POJK 8/2023 says only passport and immigration document, with the residence permit card as an example.

The consumer channels of OJK. Its website refused our automated request, so no telephone number, WhatsApp number or form address is given beyond the OJK domain. The number 157 appears on the page on checking a developer as the contact for the alert list, not as a statement of the consumer line.

Annex II of PADG 21/28/PADG/2019 as amended (the documents accepted for a transfer abroad above US$50,000), annex I letter C of PMK 70/2017 as amended (when a tax number may be left out of the declaration) and PMK 73/2017 (the first amendment of PMK 70/2017); a later amendment of the US$50,000 limit, which Bank Indonesia has changed twice in recent years.

Whether an individual who is not a resident files anything with Bank Indonesia. PBI 9/2024 puts the duty on residents; we found no form for a non-resident individual and no text that says none exists.

How a foreigner without an Indonesian population record can open an account without a meeting. POJK 8/2023 Pasal 21(5) rests on population data.

The account-closing rules of the banking law and of the bank's agreement; money changers; and any rule of Bank Indonesia on payment services that a customer of a card or an e-wallet can rely on.