Crypto activity in Indonesia is regulated by the OJK, and most mainstream and neobank accounts restrict direct crypto trading. A Web3 software or services company can often bank normally, while a licensed digital asset business needs banking arranged within the OJK framework.
Suits Crypto and Web3 best
A licensed structure for digital asset firms; normal business accounts for Web3 software and services
Typical monthly fee
International accounts often none with per transaction pricing; local accounts charge monthly or admin fees
Non resident position
A foreign owned company registers a PT PMA first; a foreign director usually needs a KITAS
Providers that fit
Limited; direct crypto trading is restricted by most providers
Fees and features as of 17 December 2025Last reviewed 17 December 2025
General information, not financial, legal, or tax advice. Verify current terms and eligibility with the provider before applying.
Banking for crypto and Web3 in Indonesia depends heavily on what the business actually does. Since January 2025 the OJK supervises crypto assets, taking over from Bappebti, and trading is limited to whitelisted assets through licensed operators. The rupiah remains the only legal payment currency, so crypto cannot be used as money. A Web3 company doing software or services can often use ordinary business accounts, but a firm that trades or exchanges crypto needs a licensed structure and faces much heavier banking checks.
What Crypto and Web3 in Indonesia need from a business account
The first question is whether the business handles crypto assets directly or simply builds software in the Web3 space. A licensed digital asset business must meet OJK requirements, including capital, anti money laundering controls, and consumer protection, and arrange banking within that regulated framework. A Web3 development or services company that does not run an exchange or transmit money usually needs the same things any tech company needs: a local rupiah account for payroll and tax, and often an international account to receive foreign currency. Most neobanks and mainstream providers list direct cryptocurrency trading as a restricted activity, so confirm your specific activity before you rely on any account.
A
Airwallex
Suits Web3 software and services firms registered in Indonesia; lists direct cryptocurrency trading as a restricted activity
Best for
Web3 software and services companies, not exchanges
These providers can suit Web3 software and services companies connected to Indonesia. Direct cryptocurrency trading is a restricted activity at most providers and a licensed digital asset business must arrange banking within the OJK framework. Fees and eligibility shown as of 17 December 2025. Confirm current terms with the provider before applying.
Questions about banking for Crypto and Web3 in Indonesia
Can a crypto business open a bank account in Indonesia?
A digital asset business in Indonesia must be licensed and supervised by the OJK, which took over crypto oversight from Bappebti in January 2025. A licensed entity can hold a local bank account, but banks apply heavy checks and most mainstream and neobank providers restrict direct cryptocurrency trading as an activity. As of 17 December 2025, confirm your structure with the OJK framework and the bank.
Do international accounts like Airwallex or Payoneer support crypto trading firms?
Generally no for direct crypto trading or exchange activity, which these providers list as restricted. They can suit a Web3 company whose activity is software, services, or development and that is not operating an exchange or money transmission. As of 17 December 2025, confirm your specific activity with each provider before relying on the account.
Can a business in Indonesia accept payment in crypto?
No. The rupiah is the only legal payment currency for domestic transactions in Indonesia, so crypto cannot be used directly as payment. Digital assets are treated as tradable assets through licensed channels rather than as money. As of 17 December 2025, confirm the current rules with a local adviser.
What banking setup do Web3 companies in Indonesia use?
Operating companies typically keep a local rupiah account for payroll and tax and may add an international account for receiving foreign currency, provided the activity is permitted by the provider. A licensed crypto asset business additionally needs banking arranged within the OJK regulated framework. As of 17 December 2025, confirm requirements with each provider.
Fees, features, and eligibility change and vary by region. This page was last reviewed on 17 December 2025. Confirm current terms with the provider before applying.