Opening a Bank Account for Foreigners
To open a bank account at CIMB Niaga in Indonesia as a foreigner, the following steps and information are required:
Documents Needed:
• Passport, visa, or residence permit (KITAS or KITAP).
• Documents verifying the purpose of your stay (e.g., work permit or proof of study).
• Local address in Indonesia and updated contact details.
• Additional information may be required, such as financial history or employer details in Indonesia.
Minimum Deposit:
• For accounts in Indonesian Rupiah, the minimum initial deposit is approximately IDR 8,000,000.
• For foreign currency accounts, such as in USD, the minimum deposit is around $1,000.
For complete and up-to-date information on requirements for foreigners, it is best to contact the bank directly or visit a CIMB Niaga branch in Indonesia.
CIMB Niaga Cards for Foreign Nationals
Debit Cards
Requirements for Opening a Debit Card Account:
1. Documents:
• Passport.
• KITAS/KITAP (temporary or permanent residence permit).
• Proof of address (e.g., utility bill or rental agreement).
• Proof of income or bank account statements may sometimes be requested for financial verification.
2. Initial Deposit:
CIMB Niaga requires a minimum deposit for account opening, ranging from IDR 100,000 to IDR 500,000 (approx. $6 to $30), depending on the account type.
3. Account opening is conducted in a bank branch where staff will assist with the application and document verification.
Debit Card Limits:
• Cash Withdrawal Limits:
Daily withdrawal limits at ATMs depend on the account type and card level. Standard debit cards typically have a daily limit of up to IDR 10,000,000 (approx. $640).
• Transfer Limits:
Transfer limits vary by card level, ranging from IDR 25,000,000 to IDR 50,000,000 per day (approx. $1,600–$3,200).
• Purchase Limits:
Transaction limits for purchases at retailers can be high, with daily limits reaching IDR 50,000,000.
Fees and Charges:
1. Maintenance Fee:
Standard debit cards typically have no monthly maintenance fee, but premium cards may incur charges.
2. International Transaction Fees:
A foreign currency conversion fee, typically around 3% of the transaction value, applies.
3. ATM Fees:
• Withdrawals at non-CIMB ATMs in Indonesia: IDR 6,500–7,500 ($0.40–$0.50).
• Withdrawals abroad: IDR 25,000 ($1.60).
Credit Cards
Requirements for Applying for a Credit Card:
• Documents Needed:
• Passport.
• KITAS/KITAP (temporary or permanent residence permit).
• Proof of income (e.g., recent bank statements or employment contract).
• Employer reference letter (if employed in Indonesia).
• Tax Identification Number (NPWP) may be required for residents with tax obligations in Indonesia.
Minimum Income Requirement:
• CIMB Niaga sets a minimum income requirement for foreign cardholders, varying by card type (standard cards require lower income than premium cards).
Credit Card Limits:
1. Credit Limit:
Limits vary depending on card type and applicant’s income. Standard cards offer lower limits, while premium cards provide higher ones.
2. Cash Withdrawal Limit:
Credit cards allow cash withdrawals, typically up to 40–50% of the credit limit, with additional fees applied.
3. Purchase and Transfer Limits:
Limits for online purchases or transfers depend on the card level, with premium cards offering higher limits.
Fees and Charges:
1. Annual Fee:
Standard cards have lower annual fees, while premium cards like Visa Platinum or World Mastercard charge higher fees (IDR 300,000–1,000,000).
2. Interest Rates:
Monthly interest rates on credit card balances range from 2–2.5%, depending on card type and customer income.
3. Cash Withdrawal Fee:
Typically 4–6% of the withdrawal amount or a fixed fee (e.g., IDR 50,000), whichever is higher.
4. International Fees:
Foreign currency transactions incur a currency conversion fee (around 3%) plus additional foreign transaction charges.
Additional Benefits for Foreigners
CIMB Niaga offers loyalty programs with bonuses and privileges, such as reward points, cashback, and participation in partner programs. These benefits are particularly useful for foreigners frequently traveling across Asia.
Note: Terms and fees are subject to change based on the bank’s policies and card level. Contact a CIMB Niaga branch for the most accurate and updated information.
Premium and Special Cards
Eligibility Requirements:
• CIMB Preferred Visa Platinum:
Requires a minimum deposit to maintain the CIMB Preferred premium status. Income requirements for premium cardholders vary, and this card is available for clients with confirmed CIMB Preferred status.
• CIMB World Mastercard:
Designed for clients with higher income levels, typically exceeding those required for Visa Platinum. A minimum deposit is also required, usually higher, to confirm the premium status necessary for issuing the World Mastercard.
Fees:
• Annual Fees:
• Visa Platinum: Typically waived for CIMB Preferred clients or offered at a reduced rate.
• World Mastercard: Higher annual fees, but sometimes waived for privileged clients.
• Interest Rates on Debt:
• Visa Platinum: Around 2–2.5% per month.
• World Mastercard: Similar rates, but individual clients may receive special terms such as interest discounts.
• International Transactions:
Both cards charge a currency conversion fee (usually around 3%), but the World Mastercard may offer exemptions under certain conditions.
Limits:
• Purchase and Cash Withdrawal Limits:
• Visa Platinum: Limits are based on the client’s financial profile but generally lower than those of the World Mastercard.
• World Mastercard: Offers higher limits, ideal for clients with larger expenditures.
• Transfers and International Transactions:
Limits and fees depend on transaction type and the client’s financial activity. World Mastercard typically provides higher transfer limits and more benefits for international transactions.
Benefits and Bonuses:
• Visa Platinum: Includes standard privileges such as reward points, discounts at partner merchants, and preferential service terms.
• World Mastercard: Offers enhanced rewards, additional discounts, and access to airport lounges.
SWIFT
The SWIFT code for CIMB Niaga in Indonesia is used for international bank transfers, identifying specific branches for secure global transactions.
SWIFT Code Details:
• SWIFT Code: BNIAIDJA
• BNIA: Unique code for CIMB Niaga.
• ID: Country code for Indonesia.
• JA: Identifies the main branch in Jakarta.
SWIFT Transfer Fees:
• Standard Fee: $10–$30 for typical SWIFT transfers.
• Additional Charges: Processing and currency conversion fees depend on the currency and correspondent bank. Options include the sender (OUR), receiver (BEN), or shared costs (SHA).
Transfer Limits:
• Typical limits range from $50,000 to $100,000 per month, depending on the client’s account type and currency. Privileged clients may have higher limits.
Processing Times:
• Standard Transfers: 2–3 business days for major currencies (USD, EUR).
• Urgent Transfers: 1–2 business days, typically incurring extra fees.
Steps for SWIFT Transfers:
1. Gather Required Information:
• Recipient’s name and address.
• Recipient’s account number.
• Recipient bank’s SWIFT/BIC code.
• Recipient bank name and address.
• Transfer amount and currency.
2. Visit the Bank:
Go to the nearest CIMB Niaga branch or use online banking, if available. Foreign clients may need to visit the bank in person for document verification.
3. Complete the Transfer Form:
Fill out the form with all necessary details, such as transfer amount, currency, and recipient information.
4. Pay the Transfer Fee:
Once the form is completed, the bank will provide details of the fees, including fixed charges and any additional costs for currency conversion or correspondent banks.
5. Verify Processing Times:
Confirm the estimated transfer duration, which can range from 1 to 3 business days depending on the destination country and urgency.
6. Confirm the Transaction:
After verification and payment of fees, the transfer will be processed, and you’ll receive a confirmation slip with a transaction number for tracking.
7. Track the Transfer:
You can monitor the transfer status via online banking or by contacting the bank directly. Many banks offer tracking options through the SWIFT system.
Requesting CIMB Niaga Account Statements
To request a CIMB Niaga account statement, including address and account details, you can use the following methods:
1. Mobile App (CIMB Clicks):
• Log in to the CIMB Niaga mobile app.
• Navigate to the “Transaction History” or “Account Statement” section.
• Select the desired time period and download or email the statement.
2. Online Banking (CIMB Clicks):
• Log in via the CIMB Niaga website.
• Access the account statement request section.
• Choose the time period and file format (PDF or text) and download or email the statement.
3. Visit a Branch:
You can request a statement in person at any CIMB Niaga branch. Bank staff may provide a printed statement upon request.
4. Call Customer Support:
• Call CIMB Niaga customer service at +62 21 2985 8888.
• Be ready with your account number and identification documents.
5. Email Request:
• Send a request to cimbclicks@cimbniaga.co.id with the following details:
• Your name and account number.
• The desired time period for the statement.
• Any specific details required (e.g., address, transaction history).
Include a copy of your ID for verification if requested. The bank will respond with the requested information.
By using these methods, you can easily access your account statement for personal or professional use.
How to Withdraw Money Without a Card (MOBILE CASH)
CIMB Niaga offers the Mobile Cash feature, allowing customers to withdraw money without a physical card. Here’s how it works:
Steps to Withdraw Using Mobile Cash:
1. Open the CIMB Niaga app on your mobile device.
2. Navigate to the “Mobile Cash” section.
3. Select the amount you wish to withdraw (limits may apply based on account type or available funds).
4. Confirm your identity using the bank’s security system, such as an OTP (One-Time Password) sent to your registered phone number.
5. After confirmation, you will receive a QR code or a code to enter at the ATM.
6. Go to the nearest CIMB Niaga ATM that supports this feature.
7. Enter the code or scan the QR code on the ATM screen.
8. Complete the transaction and collect your cash.
This feature is convenient if you lose your card or don’t have it on hand. Ensure the ATM supports Mobile Cash and your mobile app is correctly set up.
How to Find Your Bank Account Number
You can locate your CIMB Niaga account number using several methods:
1. Through the CIMB Niaga Mobile App:
• Open the CIMB Niaga app and log in using your credentials.
• Navigate to the “Accounts” section (usually on the home page or in the menu).
• Select the account you want details for.
• Your account number will be displayed in the account details section.
2. On Your Bank Card:
If you have a CIMB Niaga debit or credit card, your account number may be printed on the back of the card.
3. On Your Account Statement:
Your account number is typically located in the header of your CIMB Niaga account statement:
• At the top of the statement: The account number is usually listed along with basic account details.
• In transaction details: The account number may also appear next to specific transactions.
• If you receive an electronic statement, your account number will be on the first page or in the account details section.
4. Through Internet Banking:
• Log in to CIMB Niaga Internet Banking.
• Go to the “My Accounts” or “Account Information” section.
• Select the desired account to view its details.
• The account number will be displayed along with currency, balance, and other information.
You can also download a statement through Internet Banking, where the account number will be included.
5. Through an ATM:
• Insert your CIMB Niaga card into the ATM.
• Enter your PIN to access your account.
• Choose the “Balance” or “Account Information” option.
• Some ATMs display the account number along with your balance on the screen or in the transaction receipt.
• You may also request a printed mini statement, which includes the account number.
6. Customer Support:
If you’re unable to locate your account number, contact CIMB Niaga’s customer service via their website chat or by calling their hotline. Be prepared to provide identification and account details for verification.
For additional guidance, visit the official CIMB Niaga website.
Phone Bill Payments
CIMB Niaga offers several ways to pay phone bills through various channels, such as the mobile app, internet banking, and ATMs. Here’s how you can do it:
1. CIMB Niaga Mobile App:
• Open the CIMB Niaga mobile app and navigate to the “Payment” or “Transfer” section.
• Select “Bill Payment” or “Mobile Top-Up.”
• Enter the phone number and the amount to be paid, then confirm the transaction.
2. Internet Banking (CIMB Clicks):
• Log in to your CIMB Niaga internet banking account.
• Go to the “Payments” section and select “Mobile Top-Up.”
• Enter the phone number, the amount, and confirm the payment.
3. CIMB Niaga ATMs:
• Insert your card into a CIMB Niaga ATM and enter your PIN.
• Choose “Payments” or “Bill Payment” from the menu.
• Select “Mobile Top-Up” and follow the on-screen instructions.
4. SMS Payments:
In some cases, you can pay your phone bill using the SMS service by sending a message to the number provided by the bank or your mobile operator.
These options make it quick and easy to pay your phone bill using CIMB Niaga’s available channels.
Currency Transfers Between Your Accounts
CIMB Niaga offers multiple ways to transfer currency between your accounts:
1. Through CIMB Clicks Internet Banking:
• Log in to your account on CIMB Clicks.
• Go to the “Transfers” or “Own Account Transfer” section.
• Select the accounts for the transfer (e.g., from a debit to a credit account or between currency accounts).
• Enter the amount and confirm the transaction.
• If you have multi-currency accounts, you can choose the transfer currency, enabling easy management of funds in different currencies.
2. Through the CIMB Niaga Mobile App:
• Log in to the mobile app and navigate to the “Transfers” section.
• Select the accounts and currency for the transfer.
• Confirm the transaction using a PIN or other authentication methods.
3. Through ATMs:
• Insert your card into a CIMB Niaga ATM and select the “Transfer” option.
• Specify the amount and the destination account (if you have multiple accounts).
• Confirm the transaction and complete the transfer.
4. Through SMS or Mobile Banking:
Some banks allow transfers via SMS or mobile banking, which may require prior registration or feature activation.
Fees and Limits:
• Transfers between your own accounts are generally free at CIMB Niaga.
• There may be restrictions on amounts or conditions based on the account type (e.g., currency exchange transfers).
• Be aware of possible currency conversion fees if the transfer involves changing currencies.
For detailed information on fees and limits, check the CIMB Niaga website or mobile app.
CIMB Niaga Customer Support
Contact Options:
1. Phone:
Call their support center at +62 21 2985 8888 for inquiries about accounts, transactions, or bank services.
2. Email:
Send your queries to cimbclicks@cimbniaga.co.id.
3. Chat in Mobile App:
Use the live chat feature in the CIMB Niaga mobile app (CIMB Clicks) for quick issue resolution.
4. Social Media:
CIMB Niaga actively engages with customers on platforms like Twitter and Facebook. You can message their official pages for assistance.
5. Branch Visit:
For detailed discussions, visit a CIMB Niaga branch near you.
These options ensure you can reach out to CIMB Niaga for any questions or specific requests.
Mobile App
The CIMB Niaga mobile app offers users a convenient way to manage their accounts and perform various banking transactions. Here are some of its key features and functionalities:
1. Financial Transactions
• Fund Transfers:
Easily transfer money between your CIMB Niaga accounts or to other bank accounts. Transfers can be domestic or international.
• Bill Payments:
Pay utility bills, mobile phone bills, internet, and more directly from the app.
• Mobile Top-Up:
Recharge mobile accounts, including prepaid cards and other services.
2. Multifunctional Tools
• Balance and Statement View:
Check your account balance in real-time and access account statements for a specified period.
• Card Management:
Activate or deactivate cards, block them if lost, and set transaction limits.
3. Security and Authentication
• Multi-layered Protection:
The app uses advanced security measures, including PIN codes, biometric authentication (fingerprint or face recognition), and other methods to ensure user data safety.
• Transaction Notifications:
Receive alerts for all activities related to your accounts and cards.
4. Payments for Goods and Services
• The app supports payments using QR codes via the QRIS (QR Code Indonesian Standard) system, simplifying purchases in stores and online.
5. Interface and Accessibility
• The app features a simple, intuitive interface and is available for Android and iOS devices. It supports multiple languages, including Indonesian and English, making it accessible to a wide range of users.
6. Multi-Currency Support
• Manage funds across different currencies seamlessly if you hold multi-currency accounts.
To install and use the app, you need to be registered with CIMB Niaga and complete the security setup process.
Browser-Based Banking
CIMB Niaga does not offer a standalone browser-based app for online banking like some other banks. However, clients can use CIMB Niaga Internet Banking through a web browser on a computer or mobile device. This platform enables various banking operations, including:
• ✅ Viewing account balances and transaction histories.
• ✅ Transfers between accounts.
• ✅ Paying bills and shopping.
• ✅ Loan applications and other banking services.
• ✅ Security and notification settings.
To access Internet Banking, visit the official CIMB Niaga website and log in using your credentials. An additional authentication process will be required for extra security.
Bank Branches
CIMB Niaga has numerous branches where customers can perform in-person banking operations, including opening accounts, applying for loans, and resolving queries. For a detailed list of branches, you can check the official CIMB Niaga website.
Ubud
Bank CIMB Niaga - Ubud Jl. Raya Andong No.208, Ubud, Kecamatan Ubud, Kabupaten Gianyar
Canggu
CIMB Niaga Digital Branch Bali - Canggu Jl. Subak Sari 13, Tibubeneng, Kec. Kuta Utara, Kabupaten Badung
Denpasar
Bank CIMB Niaga Denpasar - Thamrin
CIMB Niaga Bali - Melati Jl. Melati No. 29. Kel. Dangin Puri Kaja, Jl. Melati No.29, Dangin Puri Kangin, Kec. Denpasar Utara, Kota Denpasar
Kuta
CIMB Niaga Kuta Bali Jl. Bypass Ngurah Rai No.120 AB, Kuta, Kec. Kuta, Kabupaten Badung
Sanur
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