This page compares 7 accounts available in Indonesia, listing minimum deposit, monthly fee, how to apply and non-resident eligibility one by one: 5 can be opened fully online, 0 explicitly accept non-residents, 6 have no minimum deposit. Click any account for the full document checklist, pros and cons and common rejection reasons.
Data updated 2026-10-01 · compiled from published bank terms
| Account | Region | Type | Minimum deposit | Monthly fee | How to apply | Non-residents | Rating |
|---|---|---|---|---|---|---|---|
| Jenius (BTPN) | Indonesia | Digital Bank | 开户最低约 Rp 500,000–1,000,000（视活动与账户类型） | 零月费（部分功能与服务收费） | Online | Conditional | ★ 4.3 |
| Bank Jago | Indonesia | Digital Bank | 无最低存款要求 | 零月费（转账免费次数有限额） | Online | Conditional | ★ 4.3 |
| SeaBank Indonesia | Indonesia | Digital Bank | 无最低存款要求 | 零月费（转账与提现免费额度较慷慨） | Online | Conditional | ★ 4.2 |
| Jenius | Indonesia | Digital Bank | 无首存要求 | 免月费 | Online | Conditional | ★ 4.1 |
| Bank Jago | Indonesia | Digital Bank | 无首存要求 | 免月费 | Online | Conditional | ★ 4 |
| Bank Central Asia | Indonesia | Traditional Bank | 无首存要求 | 基础账户月费视套餐而定 | Must visit | Conditional | ★ 3.9 |
| Bank Mandiri | Indonesia | Traditional Bank | 无首存要求 | 基础账户月费视套餐而定 | Must visit | Conditional | ★ 3.8 |
None of the 7 accounts on this page is open to non-residents without conditions, but 7 accept foreigners who meet extra requirements (Bank Central Asia, Bank Mandiri, Jenius) — typically a valid visa or residence permit, and usually an in-branch visit. See each account page for details.
Not necessarily. 5 of the 7 accounts can be opened fully online (Jenius, Bank Jago, Jenius (BTPN)), with no branch visit; the remaining 2 still require a branch visit or an appointment. Online opening depends on whether your documents pass automated checks.
Minimums vary widely — see the "Minimum deposit" column. 6 account(s) have no minimum deposit, so you need not fund on day one. Also watch the minimum balance and monthly fee; dormant accounts can incur charges.
It depends on the account: online accounts are usually approved within minutes to a few working days, while branch or manually reviewed accounts typically take 1 to 3 weeks. The "How to apply" column shows the channel for each account, and timings are on the individual pages.