BJB Bank Code and How to Make Interbank Transfers
BJB Bank Code and How to Make Interbank Transfers

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You will need a BJB bank code when you transfer from another bank to a BJB bank. The need for money transfer has become a necessity for the people of INdonesia in living everyday life. People in general carry out transfer activities for the purposes of buying and selling online.

Nowadays in meeting the needs often people do shopping online. Be it shopping for basic necessities, clothing, electronic devices, and much more. It is not uncommon to make payments to make interbank transfers, because the account that is the destination is different from the account owned.

For that you need to know the existing bank codes, in order to make interbank transfers. The bank codes have become the agreement of all banking services in Indonesia. Without using a bank code, you cannot make interbank transfers. Because when making an interbank transfer without using the destination bank code will definitely be rejected by the machine.

There are a lot of bank codes in Indonesia, so it seems impossible if you have to memorize them all. But it would be nice for you to memorize the bank code that is widely naggingby the majority of Indonesian people. For example, BJB bank code, BNI bank code, BRI bank code, BCA bank code, and standalone bank code.

The banks above are banks that have very many customers in Indonesia. So chances are you will make a transfer to one of these banks. It will be very useful if you memorize the popularly used bank codes. That will make you do not need to check the list of bank codes when going to make a transfer.

What is the BJB Bank Code?

BJB bank code is a unique code owned by BJB bank. The unique code has become the caseepakatan along with other banks in Indonesia. Bank codes usually number three digits. The bank code needs to be entered in front of the destination account number when going to make an interbank transfer.

When you make a transfer between banks you will be charged an additional fee. The fees charged vary according to the bank you use. In order for the transfer to be successful you must ensure that the balance is sufficient if it has been added up to the  transfer fee that must be paid. There is also usually a minimum amount of money transferred.

For example, the cost of transferring BJB bank to another bank amounts to Rp6,500. Then also the bank applies a maximum limit of daily transfers. The amount itself varies, some are Rp10,000,000 and some are Rp15,000,000. Doing transfer through the bank usually money will be sent very quickly.

Types of Remittances Through Banking

If you are a customer of one of the banks in Indonesia, you need to know the types ofk tire transfers  in Indonesia. There are three types of transfers, namely bi national clearing system (SKNBI), Real Time Gross Settlement (RTGS), and online transfer.  Currently most Indonesians only know the type of online transfer.

You can use SKNBI services by coming directly to the nearest branch office. By using this clearing system you will get a cheaper kan transfer fee of Rp5,000. But the funds will get to the destination account will take 4 hours. In a day you can send funds using the clearing system five times.

For the RTGS method it is used for transfers in very large quantities. The minimum amount of RTGS transfer reaches Rp100,000,000 each time you make a transaction.  This system  is quite rarely used by individuals, usually carried out by bank C to bank D. But it can actually also be used by individuals as long as the minimum transfer limit is met.

Furthermore, online transfer, this type of online transfer is the most widely used by the public. This type of transfer can be done through your ATM machine or smartphone. This online transfer fee varies, usually Rp6,500 to Rp7,500 per transaction.

Bank Code BJB and Several Other Banks in Indonesia

There are manybanking companies in Indonesia, so there are also many bank codes that exist. Here are some of the codes of Bank BJB 110, Bank BJB Syariah 425, bank BCA 014, bank Mandiri 008, bank BNI 009, bank BNI Syariah 427, bank BRI 002, bank Syariah Mandiri 451, bank CIMB Niaga 022, bank CIMB Niaga Syariah 022, b ank Muamalat 147, and bank National Retirement Savings (BTPN) 213.

In addition to those mentioned above, there are still several, namely jenius bank code 213, bank BRI Syariah 422, bank Tabungan Negara (BTN) 200, Permata Bank 013, bank Danamon 011, bank BII Maybank 016, bank Mega 426, bank Sinarmas 153, bank Commonwealth 950 , bank OCBC NISP 028, bank Bukopin 441, bank BCA Syariah 536, bank Lippo 026, Citibank 031, and Indosat Dompetku 789.

Actually, there are still very many bank codes in Indonesia, because each bank has its own code. These codes are used when you are about to make an interbank transfer. To see the complete list of bank codes in Indonesia you can use an ATM machine.

How to Make Interbank Transfers Through ATM Machines

Suppose you will do transfer with a BJB bank destination account.  The first step is to go to the nearest ATM machine where you are.  Then make sure that your ATM balance is sufficient to make the transfer.  Next follow these steps to make a transfer betweenk tires  with the aim of bank BJB:

  1. Insert the ATM card into the ATM machine.
  2. Then type your ATM card pin
  3. If it is successful, select the transfer and then select between online banks.
  4. Enter the BJB bank code plus the destination account number. Let’s say the account number 098765432 and the code is 110. So what you put in is 1100987654321.
  5. Enter the nominal amount of money that you will transfer. Make sure the amount entered is correct. Because the money that has been transferred cannot be withdrawn. After that choose correctly.
  6. On the monitor screen will display rincian information about the receiver. Make sure if the recipient’s name and account number are appropriate. If you have just click right.
  7. If there is no error or error,the screen will make it clear that the transaction has been successful. Then the ATM machine will issue a receipt of proof of transfer. If you have a bagit means you have successfully made a transfer.
  8. Do not forget to keep proof of transfer receipt if needed.

Currently you have to be very careful when making transfers through ATM machines. There are so many modes of crime. Never give your ATM pin to anyone because it is very dangerous. When inserting an ATM pin in an ATM machine should also not be seen by people around you.

When going to make an interbank transfer there are several things that must be considered. The first is the transfer fee. The transfer fee between banks varies in amount. Then the second is the destination bank code. It would be nice for you to prepare in advance before entering the ATM machine outlet. Suppose making interbank delivery with the purpose of BJB bank as shown above, prepare the BJB bank code in advance.

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