Indonesia SWIFT Codes and Bank Codes

Use a SWIFT or BIC for an international business payment to Indonesia. Use the three-digit Indonesian bank code for a domestic transfer only when the payment form or receiving instructions request it.

The table below contains 125 institutions and banking units in BCA’s Sandi Bank table updated November 1, 2024. The source publishes each BIC and bank code together. It includes foreign-bank branches and some sharia business units. Because the source is dated, confirm every code with the receiving bank before sending money.

Indonesia SWIFT codes and bank codes

A SWIFT/BIC identifies a financial institution or service in international bank messaging. The three-digit bank code identifies an institution in Indonesian domestic payment instructions. A business payment form may ask for one or both.

The source supplies eight-character BICs. Do not add XXX or another branch suffix unless the receiving bank provides it.

Are SWIFT codes different for business accounts?

Business and personal accounts usually share the institution-level SWIFT/BIC. Receiving instructions can still differ by legal bank entity, branch, account currency, banking product and correspondent route.

For a business payment, obtain bank-issued instructions showing the registered business name, account number, account currency, bank name and required routing identifiers. Confirm changed or first-time instructions through a known contact at the recipient business.

How to choose the correct Indonesian bank code

1. Identify the payment route. International wires usually require a SWIFT/BIC. Indonesian domestic workflows may request the three-digit bank code.
2. Match the legal institution. The source includes conventional banks, sharia business units and foreign-bank branches as distinct entries.
3. Check the account currency and branch. International receipts may use additional branch or correspondent instructions.
4. Confirm before release. The source table is dated November 1, 2024, so compare every code with current instructions issued for the beneficiary account.

Using Indonesian bank details in a business payment workflow

Store the beneficiary name, account number, currency, bank entity and verified routing details together. Require a second-channel check when bank details change before approving the payment.

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Frequently asked questions

Is an Indonesian bank code the same as a SWIFT code?

No. The Indonesian bank code in this directory is a three-digit domestic institution code. A SWIFT/BIC identifies a financial institution for international bank messaging.

Do Indonesian business accounts use different SWIFT codes?

Business and personal accounts usually share the institution-level BIC. Receiving instructions can still differ by legal entity, branch, account currency, product or correspondent route.

Why are some Islamic banking units listed separately?

The source table lists some conventional banks and their sharia business units as separate entries with different codes. Match the exact receiving institution named in the beneficiary instructions.

How should an Indonesian bank code be verified?

Compare it with written receiving instructions issued for the beneficiary account. Because the underlying table is dated November 1, 2024, confirm the current bank entity, branch, account currency and payment route before releasing funds.