Bank Code Verified








Country: Indonesia

Anto Swift Codes

In today’s interconnected world, the global financial system relies on a complex network of transactions between various banks and financial institutions. Swift codes play a crucial role in facilitating these transactions, ensuring they are secure and efficient.

In this article, we will delve into the purpose and importance of Swift codes, with a particular focus on the Swift code BNINIDJAPKJ, belonging to Bank Negara Indonesia – PT (Persero). What is a Swift Code?

A Swift code, also known as a Bank Identifier Code (BIC), is a unique identification code assigned to financial institutions worldwide. It is a standardized format for banks to communicate and transfer funds securely across national borders.

Swift codes consist of either eight or eleven characters, and each character carries a specific meaning.

The Structure and Meaning Behind a Swift Code

Let us now decipher the Swift code BNINIDJAPKJ. The first four characters, “BNIN,” represent the bank’s unique identifier, in this case, Bank Negara Indonesia – PT (Persero).

The following two characters, “ID,” signify the country of the bank, which in this case is Indonesia. The next two characters, “JA,” denote the bank’s location, which is Jakarta.

Lastly, “PK” and “J” represent the branch and department codes respectively.

The Role of Swift Codes in International Banking

Now that we understand what Swift codes are, let’s explore their significance in international banking. Swift codes act as a global address for banks, enabling them to connect and communicate securely with other financial institutions worldwide.

This standardized system allows for streamlined and error-free transaction processing.

Efficient and Secure Transactions

One of the primary benefits of Swift codes is their role in facilitating efficient and secure international transactions. When a bank in one country needs to transfer funds to a bank in another country, the sending bank uses the Swift code of the receiving bank to ensure accurate routing and delivery of funds.

The use of Swift codes eliminates the need for cumbersome and error-prone manual processes, reducing the risk of delays and inaccuracies.

Connecting Financial Institutions

Swift codes serve as the backbone of the global financial network by facilitating connections between various financial institutions. The Swift network, comprising over 11,000 financial institutions across more than 200 countries, ensures seamless communication and collaboration between banks, making international transactions faster and more reliable.

The Swift code BNINIDJAPKJ of Bank Negara Indonesia – PT (Persero) connects customers of this bank with a vast network of global partners, boosting its international reach and capabilities.

Compliance with International Regulations

In addition to facilitating efficient transactions, Swift codes play a crucial role in ensuring compliance with international regulations. Financial institutions are required to comply with anti-money laundering (AML) and know-your-customer (KYC) regulations to prevent illicit activities and protect the integrity of the global financial system.

Swift codes provide essential information about the bank’s identity and location, making it easier for regulatory authorities to monitor and enforce compliance.


Swift codes are an integral part of the international banking system, enabling secure and efficient transactions between financial institutions across the globe. The Swift code BNINIDJAPKJ of Bank Negara Indonesia – PT (Persero) serves as a vital link in connecting this bank’s customers with partners worldwide.

Understanding the purpose and significance of Swift codes is crucial for anyone involved in international banking or conducting cross-border transactions. By employing a standardized system for communication and identification, Swift codes ensure that funds are transferred accurately and securely, contributing to the smooth functioning of the global financial network.


Bank Negara Indonesia – PT (Persero), commonly known as BNI, is one of the largest banks in Indonesia and holds a significant position in the country’s financial landscape. Established on July 5, 1946, as a state-owned bank, BNI aims to play a crucial role in supporting national development and contributing to the growth of the Indonesian economy.

With its headquarters located in Jakarta, BNI operates through a vast network of branches across the country, including its Pasar Koja Branch, which is represented by the Swift code BNINIDJAPKJ.

A Bank Supporting National Development

BNI’s mission goes beyond providing financial services. It aims to support national development initiatives, promote economic growth, and alleviate poverty in Indonesia.

By offering various banking products and services, BNI caters to the needs of individuals, SMEs, and large corporations alike, which in turn contributes to the strengthening of the national economy. BNI’s Commitment to Innovation

In today’s fast-paced digital era, BNI has recognized the importance of embracing technological advancements to deliver enhanced banking experiences to its customers.

By adopting digital banking solutions, BNI has made it easier and more convenient for customers to access their accounts, make transactions, and manage their finances. Mobile banking apps, internet banking platforms, and contactless payment options are just a few examples of the innovative solutions BNI has implemented to meet the evolving needs of its customers.

Sustainable Banking Practices

BNI places great emphasis on sustainable banking practices and corporate social responsibility. The bank actively engages in initiatives aimed at social and environmental preservation, contributing to the overall well-being of Indonesian society.

As part of its commitment to sustainability, BNI supports various environmentally friendly projects and actively promotes financial inclusion and literacy programs throughout the country.

Common Uses of Swift Codes

Now that we have explored the significance of Swift codes and unveiled Bank Negara Indonesia – PT (Persero), let’s delve into some common uses of Swift codes in international banking:

1. Wire Transfers: Swift codes play a pivotal role in wire transfer transactions.

When an individual or business needs to send money across borders, the sender’s bank will use the recipient bank’s Swift code to ensure the funds are accurately routed to the intended account. This ensures a smooth and secure transfer of funds between financial institutions, regardless of the geographical distance between them.

2. Interbank Communication: Swift codes facilitate secure and standardized communication between financial institutions.

Banks use Swift codes to exchange essential information regarding beneficiary accounts, transaction details, and any specific instructions required for the successful completion of a transaction. This ensures that information is transmitted accurately and reliably, reducing the risk of errors or misunderstandings.

3. Foreign Exchange Transactions: Swift codes are also used in foreign exchange transactions.

When a bank or an individual needs to exchange currency, the use of Swift codes simplifies the process of identifying the respective financial institutions involved. By including the Swift codes of the sender and recipient banks, foreign exchange transactions can be processed efficiently and accurately.

4. Correspondent Banking: Swift codes play a critical role in correspondent banking relationships.

Correspondent banks, acting as intermediaries, facilitate transactions between banks that do not have a direct relationship. Swift codes enable correspondent banks to identify and communicate with each other, ensuring the seamless flow of funds and information across different financial institutions.

5. Account Verification: Swift codes are often used for account verification purposes.

When an individual or business needs to confirm the authenticity and legitimacy of a bank account, they can use the associated Swift code to verify the bank’s identity and location. This adds an extra layer of security and trust to financial transactions, particularly in cases where parties may be unfamiliar with each other.

6. Regulatory Compliance: Swift codes are crucial for regulatory compliance purposes.

Financial institutions are required to comply with various international regulations, such as anti-money laundering (AML) and counter-terrorism financing (CTF) measures. Swift codes provide vital information about the identity and location of banks, assisting regulatory authorities in monitoring and enforcing compliance to ensure the integrity of the global financial system.

In conclusion, Swift codes like BNINIDJAPKJ play a vital role in international banking by facilitating secure and efficient transactions between financial institutions. Bank Negara Indonesia – PT (Persero), represented by the Swift code BNINIDJAPKJ, stands as a significant player in Indonesia’s banking industry, supporting national development and embracing innovation.

Understanding the purpose and common uses of Swift codes is essential for individuals and businesses engaged in international transactions, as it ensures accurate routing of funds, streamlined communication, and compliance with international regulations.

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