How to Open a Bank Account in Bali, Indonesia: BNI & OCBC Guide (Updated September 2024)

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Opening an account with BNI and OCBC banks

Both BNI and OCBC bank cards are Mastercard and can be used for online payments and ATM withdrawals. Here’s a comparison of some key features:

Account opening fee: BNI charges IDR 500,000 while OCBC charges IDR 1,000,000 to open an account.
Minimum deposit: BNI requires a minimum deposit of IDR 3,000,000 for IDR accounts and USD 100 for USD accounts, while OCBC requires a minimum deposit of IDR 50,000,000 with IDR 25,000,000 being frozen for 3 months and an investment fee of IDR 1,000,000 for 12 months.
Multicurrency account: OCBC offers a multicurrency account, while BNI does not.
Daily online payment limit: OCBC has a higher daily online payment limit of IDR 50,000,000 compared to BNI’s IDR 10,000,000.
Daily ATM withdrawal limit: Both banks offer a daily ATM withdrawal limit of IDR 15,000,000 for Platinum and Gold tiers. However, OCBC offers a higher withdrawal limit for Silver tier cardholders at IDR 15,000,000 compared to BNI’s IDR 5,000,000.
Monthly service fee: BNI charges a monthly service fee that varies depending on the card tier, while OCBC only charges a monthly service fee if the balance falls below IDR 25,000,000.
Paypal: Neither BNI nor OCBC cards can be directly linked to Paypal for online payments or withdrawals. However, both banks allow linking their cards to Paypal by visiting a branch.
Issuing USD card: BNI can issue a separate USD card, while OCBC offers a multicurrency account that can be used in USD.
Online banking app: OCBC is said to have a more convenient mobile app compared to BNI.

Overall, OCBC seems to be a more feature-rich option with a multicurrency account, higher daily limits, and a user-friendly mobile app. However, it comes with a higher account opening fee and a monthly service fee if the balance falls below a certain amount. BNI, on the other hand, has lower fees but offers fewer features.

Disclaimer: It’s recommended that you visit the banks’ official websites or contact them directly for the latest updated information.

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Start your business in Indonesia. This will make possible to obtain an extended residence permit for 2 years, the residence permit will be available to the whole family. You will also be able to buy housing and transport, local insurance will be available, prices will be in many places as for Indonesians (with discounts):