Banking
Indonesia — Banking: Online Banks
Most major Indonesian banks provide internet and mobile banking; check app language support before opening an account.
VerifiedProfessional tax guide — not a government sourceExpat.or.id – Banking in Indonesia (community/commercial source)Last reviewed: 2026-10-26
Key facts
- Most major banks offer both online and mobile banking for transfers, bill payments, mobile credit purchases and account monitoring.
- Not all apps fully support English; some menus are only in Bahasa Indonesia.
- International transfers can go through SWIFT or services such as Wise; PayPal may involve higher fees and withdrawal limits.
- QRIS QR payments are widely accepted in urban restaurants, cafes and retail.
- Merchants may add a surcharge of around 3% on credit card payments; paying by debit card, QRIS or cash avoids it.