Everyday money
Open a bank account in Indonesia
Compare account-opening routes at BCA, BRI, Mandiri and BNI, including ID checks, deposits and product charges.
English edition. Official forms and source documents may be in Indonesian.
Indonesian citizens generally need a KTP-el, active phone number and employment or tax details if requested. BCA uses myBCA, BRI BRImo, Mandiri Livin and BNI wondr. Opening deposit, minimum balance and monthly fees depend on the account product.
See 4 official references ↓Open the official service ↗www.bca.co.id
Guide contents
What to prepare
- KTP-el and NIK matching Dukcapil records.
- Phone, email, smartphone camera and tax number if requested or held.
Steps you can follow
Choose the account product
Compare savings purpose, debit card, ATM access, opening deposit, monthly fee and minimum balance in each product summary.
Use the bank’s official channel
Download from the bank’s own site or visit a branch; avoid app files sent by message.
Complete identity checks
Photograph the KTP-el, enter details and complete selfie or video verification if required.
Activate and keep terms
Make the displayed opening deposit, activate access and keep the product fee summary.
Costs and timing
Opening charges and deposits vary by product. There is no single fee for every BCA, BRI, Mandiri or BNI account; inspect the product information sheet first.
Check current requirements, availability and charges through the official reference ↗ before applying or paying.
Four major-bank routes
BCA myBCA describes account choice, document upload and video verification. Mandiri Livin explains citizen and resident-foreigner criteria. BRI provides BRImo account opening, and BNI offers opening through wondr.
Things to check carefully
- Never share OTPs, PINs or passwords with staff or intermediaries.
- Child, foreign-resident and business accounts have different requirements.
Frequently asked questions
Which bank is cheapest?
Compare actual products and your transaction pattern; monthly fees and balance rules vary within one bank.
Sources and review
Editorial review of public information: . This is not a review by an agency officer or a professional adviser. Official document titles are retained below.
- BCA: cara buka rekening online ↗www.bca.co.id · Accessed 23 September 2026
- Mandiri: pembukaan Livin ↗www.bankmandiri.co.id · Accessed 23 September 2026
- BRI: pembukaan tabungan BRImo ↗bri.co.id · Accessed 23 September 2026
- BNI: tabungan wondr ↗wondr.bni.co.id · Accessed 23 September 2026
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