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IDR – Indonesian Rupiah


IDR is considered to be a restricted currency, which implies an inherent limitation to the tradability of this currency. Fund transfers in this currency are not allowed outside of Indonesia.

Besides this limitation, this currency is considered to be complex (multiple information to be provided and complex processing).

Currency Guidelines

Besides the standard information, the beneficiary’s physical full address is recommended.

A clear reason / purpose of payment is mandatory and consists of a full written description (in English) of the nature of payment to be provided in the remittance information. For example: providing an invoice number without guiding text is considered as insufficient and can result in errors or delays.

Example: Payment of travel expenses – invoice n° 123456789

purpose of payment code (see Appendix IV) is required in the remittance information (field 70) when payments are above IDR 100 million and one party involved in the transaction is a non-resident. If the selected purpose code is "1011" or "2012", it is mandatory to add the invoice number and the invoice amount. This information should follow a specific formatting in order to avoid delays or rejections. The required formatting is: free text (should you need it)/purpose code//invoice number(invoiceamount)

Example with a payment related to two invoices: "70: this is free text/1011//456XYZ(100000)578ZWX(500000)"

This currency does not have any decimal places.

Eventually ​it is highly recommended that all IDR wire payments have the following information under Beneficiary Address with format “SKN/2*2**​” where:

* BenefTypeCode value = 1/ 2/ 3 (1: Individual, 2: Corporate, 3: Government)

** BenefStatusCode value = 1/ 2 (1: Resident, 2: Non-Resident)

Examples in case of SWIFT MT103:

• Using tag 77B - must be on line 1: 77B:/BENEFRES/ID/SKN/2*2**

• Using tag 70 (payment details-free format): 70:/BENEFRES/ID/SKN/2*2**

• Using tag 72 (bank-to-bank information): 72:/ACC/BENEFRES/ID/SKN/2*2**


• that incomplete instructions may result in delay and late execution.

• that ID in the above-mentioned examples, is a fixed value that stands for "Indonesia" and not for a particular identification reference.

Instructions, technical guidelines & more

To consult the Technical Guidelines of this currency, click here


To consult the Appendix(es) click here

Appendix IV: Purpose of Payment Codes (IDR)
Additional information

• Available charge options: OUR/SHA/BEN

• Central bank of Indonesia: