🇮🇩 Indonesia

Three banks open IDR savings accounts for foreign residents at the branch: BCA Tahapan, CIMB Niaga OCTO Savers, and OCBC NISP Tanda 360 Plus. Each takes a different procedural shape — branch-only at BCA, branch-then-OCTO-Mobile at CIMB Niaga, and branch with a base-currency choice at OCBC. Bring an unexpired KITAS or KITAP, your passport, and an NPWP if you have Indonesian-source income. Minimum initial deposits range from Rp 100,000 to Rp 500,000.

NPWP is Indonesia's taxpayer identification number, issued free by Direktorat Jenderal Pajak to foreign residents holding a valid KITAS or KITAP. The application takes one working day once paperwork is complete, and a foreign professional employed in Indonesia normally registers shortly after the KITAS card arrives. Card, Surat Keterangan Terdaftar (SKT), and EFIN are issued together at the local KPP.

BPJS Kesehatan is Indonesia's mandatory national health insurance, run as the JKN program for every resident including foreign workers on KITAS. Foreigners working at least 6 months in Indonesia must enroll under Perpres No. 82 Tahun 2018 Pasal 6. Wage earners (PPU) are registered by their Indonesian employer through SIPP; self-payers (PBPU) register on Mobile JKN and select Class 1, 2, or 3 at registration.

The KITAS is the physical Limited Stay Permit Card issued by Direktorat Jenderal Imigrasi for an Izin Tinggal Terbatas (ITAS). Foreign professionals enter on an E23 work visa, then file the ITAS application at the local Kantor Imigrasi within 30 days of arrival. The employer files the underlying RPTKA / Notifikasi with the Ministry of Manpower before the visa is issued — those approvals are not paid by the worker out-of-pocket.

SIM A is Indonesia's domestic driving licence for private four-wheeled vehicles up to 3,500 kg, issued by Korlantas Polri through local Satpas units. Foreign residents on a KITAS or KITAP follow the same six-step new-issuance flow as Indonesian citizens, with passport plus immigration card substituting for KTP throughout.