Business account fees in Indonesia

General information, not financial, legal, or tax advice. Verify current terms and eligibility with the provider before applying.

In Indonesia the monthly administration fee is rarely the whole cost. Local banks tend to charge a small monthly fee, sometimes waived above a minimum balance, while international accounts often start with no monthly fee but charge per transaction and for currency conversion. The figures below are as of 26 April 2026 and come from the providers and reputable reporting. Fees change, so confirm the current schedule before you apply.

How business account fees work in Indonesia

There are three cost patterns to watch. The first is the flat monthly administration fee that most local bank accounts carry. The second is a minimum balance condition, where some accounts waive the fee or apply a charge depending on the balance held. The third is the per use cost of running the account, such as local and international transfers, currency conversion, and cards. A low monthly fee can still be expensive if your transfers or conversions are costly.

The local banks

As of 26 April 2026, reporting on Indonesian bank administration fees indicates that monthly charges on common accounts run from a few thousand rupiah to several tens of thousands of rupiah, depending on the bank and product. Reported figures include around IDR 12,500 a month on a Mandiri business savings product, IDR 5,000 to 12,000 on BNI Taplus Bisnis by tier, and a BRI Giro that waives the monthly fee when the balance stays above IDR 10 million and otherwise charges about IDR 31,000 a month. Corporate giro and PT accounts can differ from these published savings tariffs, so treat them as a guide and confirm the exact corporate schedule with the bank.

The international accounts

International accounts compete on no monthly fee entry. As of 26 April 2026 Airwallex states there is no account opening fee, no monthly maintenance fee, and no minimum transaction requirement on its rupiah business account, and Payoneer typically has no monthly subscription. With these you still pay for transactions and currency conversion, so the real cost depends on how you use the account. Confirm the current pricing with the provider.

Transaction and conversion fees

Beyond the monthly fee, the running cost includes transfers, currency conversion, and cards. As of 26 April 2026 Payoneer for example charges around 1 percent on receiving a direct transfer to an account and a withdrawal fee to a local bank, with cross currency withdrawals carrying a margin above the mid market rate, while local banks charge per transfer and for some services. Read each fee schedule and confirm the current figures with the provider.

Compare business accounts available in Indonesia

These providers serve business customers in Indonesia. Fees and eligibility shown as of 26 April 2026. Confirm current terms with the provider before applying.

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Questions about business account fees in Indonesia

What does a business account cost in Indonesia?

At the local banks you usually pay a small monthly administration fee, and some accounts waive it above a minimum balance. As of 26 April 2026, published admin fees on Indonesian bank accounts commonly range from a few thousand rupiah to several tens of thousands a month depending on the bank and product, and a BRI Giro account is reported to waive the monthly fee above a set balance. Corporate giro pricing varies, so confirm the current schedule with the bank.

Are there business accounts in Indonesia with no monthly fee?

Yes, among international accounts. As of 26 April 2026, Airwallex states no account opening or monthly maintenance fee on its rupiah business account, and Payoneer typically has no monthly subscription, though both charge per transaction and on currency conversion. Local bank accounts usually carry a monthly administration fee. Confirm the current pricing with the provider.

What fees apply beyond the monthly charge?

The running cost of an account also includes transfer fees, currency conversion, card fees, and sometimes a fee for falling below a minimum balance. As of 26 April 2026, Payoneer for example charges around 1 percent on receiving direct transfers and a withdrawal fee to a local bank, while local banks charge per transfer and for some services. Check each provider fee schedule.

Is Wise Business an option for fees in Indonesia?

As of 26 April 2026, Wise reports that new Wise Business accounts cannot be opened in Indonesia following the discontinuation of its rupiah eWallet service in 2024, though existing accounts may remain and international transfers are still possible. For a no monthly fee account in Indonesia, Airwallex and Payoneer are the more commonly available options. Verify current availability with the provider.

Fees, features, and eligibility change and vary by region. This page was last reviewed on 26 April 2026. Confirm current terms with the provider before applying.