{"id":16252,"date":"2026-06-26T09:00:44","date_gmt":"2026-06-26T02:00:44","guid":{"rendered":"https:\/\/easylink.id\/?p=16252"},"modified":"2026-07-23T14:54:35","modified_gmt":"2026-07-23T07:54:35","slug":"bank-indonesia-branches-abroad","status":"publish","type":"post","link":"https:\/\/easylink.id\/en\/bank-indonesia-yang-di-luar-negeri\/","title":{"rendered":"9 Bank Indonesia Branches That Can Be Used Abroad"},"content":{"rendered":"

Have you ever been enjoying a trip or working abroad when you suddenly needed to withdraw cash or make a payment, only to have your ATM card rejected by the machine? Or been in a hurry to send money to your family back home, only to find that the process took forever and the fees were a shock?<\/span><\/p>\n

Don\u2019t worry\u2014this is a problem that Indonesian expats, students, and businesspeople face all the time. The good news is that several major banks in Indonesia already have robust international networks to support your mobility. Let\u2019s go over them one by one, along with the most efficient solutions if your main goal is to send money abroad.<\/span><\/p>\n

1. BCA (Bank Central Asia)<\/b><\/h2>\n

BCA has the most extensive network of ATMs and partner institutions in Indonesia, and its cards are compatible with both the Visa and Mastercard global networks, allowing customers to withdraw cash at ATMs abroad.<\/span><\/p>\n

Here are some facilities you can take advantage of:<\/span><\/p>\n

    \n
  1. Withdraw cash at ATMs bearing the Visa or Mastercard logo in various countries<\/span><\/li>\n
  2. Online shopping on global platforms such as Amazon or AliExpress<\/span><\/li>\n
  3. Send money internationally via BCA Remittance<\/span><\/li>\n
  4. A debit card that can be used immediately for global transactions without opening a new account<\/span><\/li>\n<\/ol>\n

    It\u2019s important to note that every international transaction is typically subject to an administrative fee plus a currency conversion fee, generally ranging from 1 to 31 TP3T per transaction.<\/span><\/p>\n

    2. Bank Mandiri<\/b><\/h2>\n

    As the largest state-owned bank, Mandiri has also established a robust cross-border transaction infrastructure, complete with several overseas branches.<\/span><\/p>\n

      \n
    1. Visa\/Mastercard debit cards that can be used at ATMs and EDC terminals worldwide<\/span><\/li>\n
    2. Mandiri Remittance Service, with coverage in Singapore, Hong Kong, Malaysia, and other countries<\/span><\/li>\n
    3. Livin\u2019 by Mandiri remains accessible from abroad as long as you can still receive OTPs or use a digital token<\/span><\/li>\n<\/ol>\n

      For students or migrant workers, Mandiri\u2019s branches in Singapore and Hong Kong are often a lifeline when they need in-person service.<\/span><\/p>\n

      3. BNI (Bank Negara Indonesia)<\/b><\/h2>\n

      BNI is among the most aggressive in expanding its overseas network, with branch offices in several major cities around the world: Tokyo, Seoul, London, New York, Hong Kong, and Singapore.<\/span><\/p>\n

      Its flagship services:<\/span><\/p>\n

        \n
      1. BNI Smart Remittance for international transfers at more affordable rates<\/span><\/li>\n
      2. A debit card accepted on the Visa and Mastercard networks worldwide<\/span><\/li>\n
      3. BNI Mobile Banking, which can be accessed anytime as long as you have an internet connection<\/span><\/li>\n<\/ol>\n

        These BNI branches also frequently collaborate with universities and diaspora communities, so they\u2019re quite welcoming to Indonesian students studying abroad.<\/span><\/p>\n

        4. CIMB Niaga<\/b><\/h2>\n

        Because it is a subsidiary of the Malaysia-based CIMB Group, CIMB Niaga automatically has access to a broader network in Southeast Asia than most other local banks.<\/span><\/p>\n

          \n
        1. Visa\/Mastercard debit and credit cards accepted in many countries<\/span><\/li>\n
        2. Octo Mobile for international transfers and payments right at your fingertips<\/span><\/li>\n
        3. CIMB Preferred International Access priority services at branches in Singapore, Malaysia, and Thailand<\/span><\/li>\n
        4. CIMB Niaga International Remittance, which is connected to more than 100 correspondent banks worldwide<\/span><\/li>\n<\/ol>\n

          Read Also: Send Money Abroad Faster, Cheaper, and Safer<\/a><\/strong><\/p><\/blockquote>\n

          5. Bank Danamon<\/b><\/h2>\n

          Danamon does not yet have many branches overseas, but its cards comply with Visa\/Mastercard network standards, so they can be used for global transactions. For money transfers, Danamon partners with Western Union, and customers can still access their accounts via Danamon Online Banking from anywhere.<\/span><\/p>\n

          6. PermataBank<\/b><\/h2>\n

          Through its partnership with Standard Chartered Bank, PermataBank is introducing PermataMobile X with the following features:<\/span><\/p>\n

            \n
          1. International transfers to more than 50 countries<\/span><\/li>\n
          2. Cash withdrawals at ATMs abroad bearing the Visa or Mastercard logo<\/span><\/li>\n
          3. Real-time notifications and automatic currency conversion right in the app<\/span><\/li>\n<\/ol>\n

            7. BRI, BTN, and OCBC NISP<\/b><\/h2>\n

            These three banks are also continuing to expand their international reach:<\/span><\/p>\n

              \n
            1. BRI<\/b> using BRIfast Remittance and a global debit card<\/span><\/li>\n
            2. BTN<\/b> focuses on the convenience of cash withdrawals and using debit cards abroad<\/span><\/li>\n
            3. OCBC NISP<\/b> Benefiting from the OCBC Group\u2019s network in Singapore, this is perfect for those who frequently travel between Indonesia and Singapore<\/span><\/li>\n<\/ol>\n

              Three Types of Services That Are Generally Available<\/b><\/h2>\n

              Although policies vary from bank to bank, there are generally three main services you can use while abroad:<\/span><\/p>\n