Are Banks Open Today in Indonesia?

Indonesian  banks are open Monday to Friday from 8:00 AM to 3:00 PM (some city branches until 4:00 PM). Banks are closed on Saturday, Sunday, and all national holidays. Select BCA, Mandiri, and BNI branches offer Weekend Banking at major malls on Saturday. Indonesia has 3 time zones — hours are local to each zone. Use our checker tool above for today's exact status.

Indonesia observes 16+ national holidays in 2026 including New Year's Day (Jan 1), Isra Mi'raj (Jan 27), Chinese New Year (Feb 17), Nyepi (Mar 19), Eid al-Fitr/Lebaran (Mar 20-21 plus cuti bersama Mar 18-24), Good Friday (Apr 3), Labour Day (May 1), Waisak (May 12), Ascension Day (May 14), Eid al-Adha (May 27), Pancasila Day (Jun 1), Islamic New Year (Jun 17), Independence Day (Aug 17), Maulid Nabi (Aug 25), and Christmas (Dec 25). Islamic dates are subject to moon sighting.

Lebaran creates the longest bank closure in Indonesia. In 2026, Eid al-Fitr falls on March 20-21, but the government declared cuti bersama (joint leave) from March 18-24, creating a 7-day combined closure. During this period, most branch services are closed. Some BRI, BCA, Mandiri, and BNI branches operate limited services on select dates (typically 8:00 AM to 3:00 PM) — check each bank's announcement. ATMs, mobile  banking, and BI-FAST work 24/7 throughout Lebaran.

Cuti bersama (joint leave) is a government-declared additional leave period around major holidays, typically announced via SKB 3 Menteri (Joint Decree of 3 Ministers). During cuti bersama, banks close their branches even though these days are not official national holidays. The longest cuti bersama period is around Lebaran — in 2026, it extended the 2-day Eid holiday into a 7-day closure. Bank Indonesia's systems (BI-RTGS, SKNBI) also stop during cuti bersama, but BI-FAST continues 24/7.

Yes. BI-FAST (Bank Indonesia Fast Payment) operates 24/7/365 — including all national holidays, Lebaran, weekends, cuti bersama, and Ramadan. BI-FAST processes instant transfers up to Rp 250 million per transaction with a small fee (typically Rp 2,500). However, BI-RTGS (for transfers above Rp 100 million in real-time) and SKNBI (clearing) do NOT operate during BI holidays. For large transfers on holidays, use BI-FAST in multiple transactions or wait for the next working day for RTGS.

Weekend Banking is a service where select bank branches — typically located inside shopping malls — operate on Saturday and sometimes Sunday. BCA Weekend Banking is available at major malls like Grand Indonesia Jakarta, PVJ Bandung, and Tunjungan Plaza Surabaya, typically Saturday 10:00 AM to 3:00 PM. Bank Mandiri and BNI also operate Weekend Banking at select mall locations. Regular branches outside malls are closed on weekends. Weekend Banking does not operate on national holidays even if they fall on a Saturday.

BRILink agents are authorized individuals (typically warung or kiosk owners) who provide basic banking services on behalf of BRI using a mobile device or EDC machine. Indonesia has over 600,000 BRILink agent locations — making them the largest banking access network in the country, especially in rural villages where no bank branch exists. BRILink agents can process cash withdrawals, deposits, transfers, bill payments, and mobile top-ups. Agent availability on holidays depends on the individual agent's operating hours, but many remain open during Lebaran and other holidays.

Some Indonesian banks adjust operating hours during Ramadan, typically shortening to 8:00 AM to 2:00 PM or 3:00 PM instead of the standard 8:00 AM to 3:00 PM. However, this varies by  bank and is not mandated by OJK or Bank Indonesia. Bank Syariah Indonesia (BSI) and Bank Muamalat may have more significant adjustments. ATMs, mobile banking, BI-FAST, and e-wallets continue to operate 24/7 throughout Ramadan.

Yes. All major Indonesian e-wallets — GoPay (Gojek), OVO (Grab), Dana, ShopeePay (Shopee), and LinkAja — process payments instantly 24/7/365 including all  holidays, Lebaran, weekends, and Ramadan. You can pay merchants, transfer to other users, pay bills, and top up phone credit at any time. E-wallet top-up from bank accounts via BI-FAST also works 24/7. These e-wallets are regulated by Bank Indonesia.

Yes. Indonesia spans 3 time zones: WIB (Waktu Indonesia Barat — Java, Sumatra, West and Central Kalimantan, GMT+7), WITA (Waktu Indonesia Tengah — Bali, South and East Kalimantan, Sulawesi, Nusa Tenggara, GMT+8), and WIT (Waktu Indonesia Timur — Maluku, Papua, GMT+9). Banking hours are local to each zone. When a Jakarta bank opens at 8:00 AM WIB, a Jayapura bank has already been open since 8:00 AM WIT (which is 6:00 AM WIB). BI-FAST cutoff times follow WIB.

Nyepi is the Balinese Hindu Day of Silence, observed as a national holiday throughout Indonesia. In 2026, Nyepi falls on March 19. All banks nationwide are closed on Nyepi. In Bali specifically, Nyepi is strictly observed — the entire island shuts down for 24 hours: no flights, no vehicles, no businesses, no internet. If you are in Bali, plan all banking at least 2 days before Nyepi. ATMs may be accessible in hotel lobbies but not guaranteed.

Regular bank branches in Indonesia are closed every Saturday. However, select branches of BCA, Bank Mandiri, and BNI operate Weekend  Banking at major shopping malls, typically Saturday 10:00 AM to 3:00 PM. Not all malls have Weekend Banking — check your bank's website for specific locations. On Saturdays, you can also use ATMs (24/7), mobile banking, BI-FAST transfers, and e-wallets (GoPay, OVO, Dana). BRILink agents at local warung may also be available.