Everyday money

Start with the money actually available, essential needs, obligations and family goals. Compare the plan with real spending and review it regularly. Each allocation should reflect your household; one percentage formula will not fit everyone. Read the full guide.

Check the lender in OJK’s Financial Institutions Directory (FIND). Match the legal entity and official channels to the app or offer. A company’s licence does not prove that every account using its name is genuine, or that a loan is affordable for you. As of 30 June 2026, 94 online lending (P2P) platforms were licensed by OJK; you can also check a licence through OJK’s contact line 157 or WhatsApp 081 157 157 157. Read the full guide.

Immediately contact your bank or payment provider through its official channel and report the fraud at iasc.ojk.go.id. Keep transfer and conversation evidence, and file a police report. IASC coordinates financial handling; a report does not guarantee a successful freeze or refund. Read the full guide.

In JMO, choose Jaminan Hari Tua, then Cek Saldo and the KPJ membership number to inspect. A displayed balance does not automatically mean it can all be withdrawn now. Claims depend on the reason, requirements and appropriate BPJS Ketenagakerjaan channel. After resigning or being dismissed, you can claim JHT once a 1-month waiting period has passed, and payment is due within 5 working days of a complete application; balances up to Rp15,000,000 can be claimed directly in JMO. Read the full guide.

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. Under OJK Regulation (POJK) 8/2023, banks may verify identity in person, by live video call or electronically against population data and biometrics. Foreign nationals use a passport plus an immigration document such as a KITAS or KITAP. Since POJK 24/2025 took effect, an account with no deposit, withdrawal or balance check for more than 360 days becomes inactive. Read the full guide.

Before applying for a loan or credit card, assess repayments against net income, request your own OJK SLIK iDeb report and obtain written terms. Banks assess identity, income, payment history and internal risk; SLIK is neither a blacklist nor an approval guarantee. Read the full guide.

A new individual taxpayer can register through Coretax DJP using their NIK, verify contact and identity details, and receive a digital NPWP by email. An existing taxpayer files an annual return by creating a personal tax-return draft, checking prefilled data, completing it and signing and submitting. Registration and filing are separate tasks. Read the full guide.

LPS guarantees eligible deposits up to Rp2 billion per depositor per bank. Eligibility follows the 3T test: recorded in the bank’s books, interest not above the LPS guarantee rate, and the depositor not suspected or proven to have committed fraud. From 1 October 2026 to 31 January 2027 the guarantee rate at commercial banks is 3.75% for rupiah and 2.00% for foreign currency (PENG-7/DSPB/2026). Read the full guide.

A person can request their own debtor information through OJK iDebKu without a fee. Provide the required identity and email, complete verification and inspect the result. If a facility or status is wrong, contact the institution that reported it and keep evidence. iDeb is not one score that automatically approves or rejects a loan. Read the full guide.

For a financial-product complaint, first report the problem to the bank, lender or insurer and keep the case number. If unresolved or there is suspected misconduct, use OJK’s APPK or Contact 157. An unresolved dispute may have a LAPS SJK route. For a recent scam transfer, contact the bank and IASC urgently instead of waiting for a routine complaint. Read the full guide.

Online scams usually make you panic or get excited, then ask you to click a link, install an APK file, transfer money or hand over your OTP, PIN and passwords. If it has already happened, call your bank on an official number you look up yourself, report it at iasc.ojk.go.id and change the passwords of your important accounts from a safe device. Make a police report as well; reporting does not guarantee you will get your money back. Read the full guide.

Playing gambling games run without a licence carries a penalty of up to 3 years in prison or a fine of up to Rp50 million under Article 427 of the new Criminal Code (KUHP), in force since 2 January 2026, while organisers face up to 9 years. If you or a family member want to stop, start by blocking access on your phone and bank accounts, then get support: the Ministry of Health’s Healing119.id is free on 119 extension 8. Gambling sites, accounts and phone numbers can be reported to Komdigi’s aduankonten.id, cekrekening.id and aduannomor.id. Read the full guide.

Investment scams usually promise high, guaranteed and quick profits, are vague about the product or business model, and are often promoted by public figures. Before paying in, apply the Legal and Logical principle: make sure the provider and product are licensed by the right authority (OJK, including for crypto assets since 10 January 2025, or Bappebti for commodity futures trading), and compare the returns with something reasonable such as a deposit account. Report illegal offers at sipasti.ojk.go.id; if money has already gone, contact your bank immediately and report it at iasc.ojk.go.id. Read the full guide.

If your NIK (national identity number) or KTP photo has leaked or is being used by someone else, gather evidence, check your OJK iDeb SLIK credit report to see any credit recorded in your name, then complain about loans you never applied for to the lender and to Kontak OJK 157 or APPK at kontak157.ojk.go.id. Make a police report and use your rights under Law 27/2022 on Personal Data Protection to request access to, correction of and deletion of your data. As of 14 October 2026 we had not found the legal basis establishing the data protection supervisory body that the law requires. Read the full guide.