Opening a Bank Account in Bali: A Step-by-Step Guide

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Whether you’re planning to stay in Bali for an extended period, start a business, or simply need a local bank account for convenience, opening a bank account in Bali can be a straightforward process if you know the necessary steps and requirements. This guide will walk you through the process of opening a bank account in Bali, the documents you’ll need, and tips for choosing the right bank.

Section 1: Choosing the Right Bank

Bali is home to numerous banks, including both local and international institutions. Some of the popular banks for expatriates and long-term visitors include:

  • Bank Central Asia (BCA)
  • Bank Negara Indonesia (BNI)
  • Bank Mandiri
  • HSBC Indonesia
  • Standard Chartered

Consider factors such as branch locations, available services, online banking options, and customer service when choosing a bank.

Section 2: Required Documents

To open a bank account in Bali, you will typically need the following documents:

  • Passport: A valid passport with a copy of the identification page.
  • Visa: A valid visa, such as a KITAS (Temporary Stay Permit) or KITAP (Permanent Stay Permit).
  • Proof of Address: This can be a rental agreement, utility bill, or a letter from your employer.
  • Tax Identification Number (NPWP): Not always required, but some banks may ask for it.
  • Initial Deposit: An initial deposit amount, which varies by bank.

Section 3: The Application Process

Follow these steps to open a bank account in Bali:

  • Visit the Bank: Go to the branch of the bank you have chosen with the required documents.
  • Fill Out the Application Form: Complete the bank’s account opening form with your personal information.
  • Submit Documents: Provide the required documents to the bank officer for verification.
  • Initial Deposit: Make the initial deposit as required by the bank.
  • Account Activation: Once the documents are verified and the initial deposit is made, the bank will process your application and activate your account. You will receive your account details and banking materials (such as a debit card and checkbook).

Section 4: Online Banking and Mobile Apps

Most banks in Bali offer online banking and mobile apps to make managing your finances more convenient. When opening your account, ask about the bank’s digital services and how to set up online and mobile banking. This will allow you to:

  • Check account balances
  • Transfer money
  • Pay bills
  • Monitor transactions

Section 5: Tips for Banking in Bali

  • Language: While many bank staff speak English, it may be helpful to learn some basic Indonesian banking terms.
  • Bank Fees: Be aware of any account maintenance fees, ATM withdrawal fees, and international transfer fees that may apply.
  • Customer Service: Choose a bank known for good customer service and support, especially if you are new to banking in Indonesia.
  • Security: Always keep your banking information secure and report any suspicious activity to your bank immediately.


Opening a bank account in Bali is a relatively straightforward process if you have the necessary documents and understand the steps involved. By choosing the right bank and taking advantage of online banking services, you can manage your finances efficiently while enjoying your time on the island. Whether you’re an expatriate, a long-term visitor, or starting a business, a local bank account will provide you with the convenience and security you need for your financial transactions in Bali.

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