Jakarta

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Banks and ATMs

Sections

Banks in Jakarta, Indonesia

Types of Banks

  1. Local Banks:

    • Bank Mandiri: One of the largest banks in Indonesia, offering a wide range of services.
    • BCA (Bank Central Asia): Known for its extensive ATM network and online banking services.
    • BNI (Bank Negara Indonesia): Offers various banking services, including personal and business accounts.

  2. International Banks:

    • HSBC: Provides comprehensive banking services, including personal and corporate banking.
    • Citibank: Offers a range of financial products, including credit cards and investment services.
    • Standard Chartered: Known for its wealth management and personal banking services.

ATM Networks

  • Local ATM Networks:

    • ATM Bersama: A network that allows cardholders from various banks to access ATMs.
    • Link: Another local network providing widespread ATM access.

  • International ATM Networks:

    • Cirrus: Accessible for international cards, typically found in major banks.
    • Plus: Similar to Cirrus, allowing access for international cardholders.

Fees for Withdrawals

  • Local Cards: Generally, local banks charge minimal fees for ATM withdrawals.
  • International Cards:
    • Fees can range from IDR 5,000 to IDR 50,000 (approximately $0.35 to $3.50) per transaction.
    • Additional fees may apply from your home bank, so check with them before traveling.

Operating Hours

  • Banks: Typically open Monday to Friday from 8:00 AM to 3:00 PM. Some branches may open on Saturdays from 8:00 AM to 1:00 PM.
  • ATMs: Generally available 24/7, but some may be located in less secure areas.

Safety Tips

  • Use ATMs located in well-lit, busy areas or inside bank branches for added security.
  • Be cautious of your surroundings when withdrawing cash.
  • Avoid withdrawing large amounts of cash at once; instead, make multiple smaller withdrawals.
  • Cover the keypad when entering your PIN to prevent shoulder surfing.

Cultural and Practical Considerations

  • Language: Most bank staff in major banks speak basic English, but itโ€™s helpful to learn a few Indonesian phrases.
  • Documentation: Carry identification (passport or local ID) when using banking services.
  • Cash Usage: While credit cards are accepted in many places, cash is still widely used, especially in markets and smaller shops.
  • Currency: The local currency is the Indonesian Rupiah (IDR). Familiarize yourself with the currency denominations to avoid confusion.

This information should help you navigate banking and ATM services in Jakarta effectively.