USD 14,818.00 0.00
JPY 117.00 0.01
GBP 18,074.00 0.01
AUD 10,607.00 0.00
HKD 2,041.00 0.00
SGD 10,902.00 0.00
EUR 15,247.00 0.01
MYR 3,482.00 0.00
SAR 4,147.00 0.00
CNY 2,295.00 0.00
Currency Purchasing Price Selling Price
  • USD 14,568.00 14,818.00
  • JPY 105.00 117.00
  • GBP 17,567.00 18,074.00
  • AUD 10,321.00 10,607.00
  • HKD 1,709.00 2,041.00
  • SGD 10,518.00 10,902.00
  • EUR 14,896.00 15,247.00
  • MYR 3,123.00 3,482.00
  • SAR 3,678.00 4,147.00
  • CNY 2,058.00 2,295.00
BTN Contact Us

Terms and Conditions for BTN Visa ATM / Debit Cards

We thank you for your trust in continuing to use the BTN Visa Debit Card. In accordance with regulations set by Bank Indonesia, the BTN Visa Debit Card is currently chip-based and uses a 6 (six) digit PIN for each transaction. BTN Visa Debit Cards can be obtained and used after the customer opens a savings account. Your Savings Account must have a sufficient balance and be active and unblocked.

Enjoy the convenience, speed and security of using the BTN Visa Debit Card. Easy, because just give the card to the cashier at the store and check the value on the transaction receipt. Fast, because you don't need to queue at the ATM to take money or prepare cash and count money while shopping. Safe, because you don't need to carry cash when shopping and have implemented the use of a PIN for each transaction. Also enjoy services to pay your various routine monthly bills through BTN ATMs that are spread throughout Indonesia.


Have a pleasant and memorable experience in every transaction using the BTN Visa Debit Card. If your card is lost or stolen to block your card or if you encounter problems in the transaction, contact the 24-Hour BTN Contact Center at 1500 286.

Payment of mortgage bills

Payment of Telkom, Telkomsel, Indosat and XL bills

Purchase cellular phone credit

Short implementation time

Payment of PAM bills

Payment of tuition fees

Vehicle installment payments

Credit Card installment payments

Payment for flight tickets

Payment of zakat & infaq

Use of BTN VISA Debit Cards and PINs
  1. The BTN Visa Debit Card issued is the property of the Bank and must be returned immediately without conditions if requested by the Bank.
  2. Cardholders are required to put their signature on the panel paper on the back of the BTN Visa Debit Card. By accepting, signing and / or using / using the BTN Visa Debit Card, the Cardholder has agreed to the applicable terms.
  3. The BTN Visa Debit Card cannot be transferred to anyone and only valid BTN Visa Debit Card owners are allowed to use it in transactions at ATMs and transactions at shops / merchants.
  4. The Card Holder forms a PIN (Personal Identification Number) on the PINPAD / ATM provided by the Bank as the Cardholder's personal identification code number to be able to make transactions at ATM / EDC.
  5. The use of a PIN is applied to all transactions made either through EDC at shops / merchants or at ATMs.
  6. CVV2 (Card Verification Value 2) in the form of 3 (three) digit numbers printed on the back of the card, which is the authorization code number in E-Commerce transactions or online shopping.
  7. Cardholders are responsible for maintaining the confidentiality of the PIN, card number, CVV2, security and card usage. The use of the Card or PIN in transactions that are not valid and have an impact on the occurrence of a loss is the responsibility of the Card Holder. The Bank in this case is exempt from all claims for compensation suffered by the Cardholder or any Party.
  8. The card administration fee is IDR 3,000 / month
BTN Visa Debit Card Validity Period
  1. BTN Visa Debit Cards that have expired must be returned to the Bank to be exchanged for a replacement card.
  2. BTN Visa Debit Cards that are closed / returned by the Cardholder to the Bank before they expire must be destroyed / cut to prevent misuse of the card.
  1. All transactions will be billed in rupiah currency and debited directly from the Cardholder's account. Transactions that are not denominated in rupiah will be converted into rupiah currency based on the exchange rate determined by the Bank.
  2. Cancellation of transactions with EDC at the store / merchant can only be done with mutual consent between the Cardholder and the store / merchant. For the cancellation, the shop / merchant will provide proof of credit in the form of a credit slip equal to the nominal amount of the canceled transaction which will then be credited by the processing Bank to the Cardholder's account through the Bank.
  3. If the Cardholder wishes to obtain a copy of the proof of the transaction slip (sales draft / sales slip) through the Bank, the Cardholder will be charged a fee for requesting a copy of the sales draft / sales slip, the amount of which is determined by the Bank.
  4. Complaints / claims of the Cardholder for all transactions through ATMs and through EDC at shops / merchants will be served by the Bank up to a time limit of 30 days from the date the transaction occurred. More than that time, all complaints are not served and the Cardholder is deemed to have approved all transactions.
  5. The bank is not responsible for any losses in any form for purchase and / or service transactions using the card. The Bank is freed from all claims arising from a dispute between the Cardholder and the shop / merchant.
  6. BTN Visa Debit Cards can already be used for e-Commerce transactions or online shopping at all merchants marked as Verified By Visa (VBV) or Visa.
Lost BTN VISA Debit Card
  1. If there is theft or loss of the BTN Visa Debit Card, the Cardholder must immediately notify the nearest BTN Outlet or through the Contact Center service.
  2. The Cardholder is fully responsible for all transactions that occur prior to receipt of the report of card loss / theft by the Bank.
  3. The bank charges the BTN Visa Debit Card replacement fee in the amount set by the Bank.
Card facilities for transactions
  1. Withdraw cash at ATM BTN, LINK, ATM Bersama, PRIMA, Alto and ATM with Visa or PLUS logo around the world with a maximum of IDR 10,000,000, - / day (or equivalent currency).
  2. Transfers between BTN accounts are a maximum of IDR 25,000,000 / day.
  3. Transfer to Other Banks members of the ATM Bersama, LINK, PRIMA, ALTO networks with a maximum of IDR 25,000,000 / day, with a nominal transfer of IDR 20,000,000 / transaction.
  4. Shopping transactions via EDC or E-Commerce (BTN Online Debit) with a maximum of IDR 20,000,000 / day