Banking
Indonesia — Banking: Opening Account
Foreigners generally need a passport, a valid KITAS or KITAP and a local address, with an NPWP tax number sometimes requested; rules vary by bank and branch.
VerifiedProfessional tax guide — not a government sourceExpat.or.id – Banking in Indonesia (community/commercial source)Last reviewed: 2026-10-26
Key facts
- Documents usually required: passport, valid visa (usually a KITAS or KITAP) and a local address.
- A tax number (NPWP) is sometimes requested but not always mandatory.
- Requirements vary by bank and sometimes by branch, and branch staff may exercise discretion.
- Banks charge fees for account maintenance, ATM withdrawals and transfers; the source gives no amounts, so ask the bank for monthly admin fees and minimum balances.
- Tourists without a long-term permit generally cannot open an account.