bjb net - Internet Banking

Mempermudah akses perbankan bjb anda secara online.

Internet Banking Corporate

Exchange Rate

Kurs per 23 November 2020 09:11
Currency Buy Sell
USD14,100.0014,200.00
EUR16,742.0016,865.00
GBP18,788.0018,922.00
AUD10,324.0010,400.00

Find bank bjb locations

bank bjb has 940 service location who spread in 10 cities in Indonesia

Jaringan Kantor bank bjb

Rekapitulasi jaringan kantor bank bjb
bjb Digi Cash

Server-based electronic money that utilizes mobile application-based technology that can be used to conduct various transactions.

  1. Electronic Money Value
    • Have no validity period until bjb DigiCash is closed
    • Can be used until it reaches zero balance (minimum zero balance)
    • Top Up is done with Mobile Number as the destination account number
    • For Top Up from another bank, enter the interbank transfer menu, select bank bjb (110), enter code 0041+ Mobile Number
  2. Limitation of Electronic Money
    • Maximum Unregistered Electronic Money Value is Rp 2.000.000,-
    • Maximum Registered Electronic Money Value saved is Rp. 10.000.000,-
    • Maximum Incoming Limit (Top Up, Transfer, Refund) in 1 (one) month is Rp. 20.000.000,-
    • Maximum limit in 1 transaction Rp 2.000.000,-
Electronic Money Value is not categorized as DPK (Third Party Funds) so it does not provide interest and is not categorized as guaranteed funds by Deposit Insurance Corporation (LPS)
Download Now !

  • Funds Transfer

    Transfer inter bjb DigiCash and to bank bjb account

  • Purchase QR Code Method

    Shop at various merchants using the QR Code / QRIS method

  • Cash Withdrawal

    Make cash withdrawals at teller via bjb Fast

  • Purchase

    Purchase of Prepaid Balance for various Providers

  • Payment

    Payment of Motor Vehicle Tax, PBB and PSTN

  • Top Up Balance

    Top up available from various channels such as bjb Fast, bjb Net, bjb SMS, bjb MOBILE and other banks through the transfer mechanism


bjb DigiCash registration process requires various data which include:

  1. Full Name
  2. Identity Card(KTP)
  3. Date of Birth
  4. Residential Address
  5. Mobile Number
  6. Email
  7. Create a bjb DigiCash PIN that is used for logging in and transactions

bjb DigiCash holder needs to activate by re-entering the Mobile Number in activation menu to receive an OTP from Sender Number.

If the activation is successful, bjb DigiCash holder receives a notification of successful activation.


  • bjb DigiCash closure must be done by the request of the bjb DigiCash Holder at bank bjb Customer Service
  • bjb DigiCash closure is done by submitting the Mobile Number and OTP
  • Remaining bjb DigiCash balance can be withdrawn before the closure at bank bjb Customer Service

QRIS is an acronym for QR Code Indonesian Standard. QR Code Standard payment is determined by Bank Indonesia to be used in facilitating payment transactions in Indonesia.

There are 2 types of transaction mechanisms using QR Code:
Merchant - Presented (Push payment) Customer - Presented (Push payment)
Secara setelmen, transaksi dilakukan secara push payment, di mana transaksi dipicu oleh transfer dari aku nasabah di penerbit Transaksi dilakukan secara pull payment, di mana merchant melalui acquiirer menagihkan pembayaran ke akun nasabah.
Membutuhkan Standar untuk QR. Membutuhkan standar untuk QR, Scanner dan aplikasi POS.
MPM Static Tidak memerlukan invetasi besar karena hanya berupa sticker, sementara untuk MPM Dynamic membutuhkan investasi EDC. CPM sesuai untuk usaha menengah dan besar, komplemen model pembayaran non tunai yang ada
Alternatif pembayaran transportasi karena dapat digunakan tanpa sinyal

Static QR Code
Customers need to input the value of transaction payment after scanning the QR Code
Static QR Code

Payment transaction value appears after the customer performs a dynamic QR Code scan

Merchant is provided with a smart device or EDC with the merchant app provided by the acquirer, and this application can generate dynamic QR Codes on the terminal screen or EDC receipt

  1. QRIS Manager

    Standard Institutions, Switching Institutions, Service Institutions and other Parties determined by Bank Indonesia

  2. QRIS Organizer
    • Qris Acquirer

      The Bank collaborates with QRIS Organic Merchants, QRIS Merchant Aggregators or other Merchants

    • Qris Issuer Bank provides an application for QRIS users, bjb Digicash
  3. QRIS users
    • bjb DigiCash users and/or other bank applications that can read QRIS
    • Other parties who use applications that can read QRIS (OVO, GOPAY, etc.)

A standard design issued by Bank Indonesia to be placed on every Merchant.


Jenis Merchant Kategori % MDR
Reguler Usaha Mikro (UMI) 0% *)
Usaha Kecil (UKE), Usaha Menengah (UME) dan Usaha Besar (UBE) 0.7% *)
Khusus Pendidikan 0.6%
SPBU 0.4%
G2P,P2G & donasi 0%
Pihak Distributor MDR
Issuer 37%
Acquirer 39%
Lembaga Switching 18%
Lembaga Services 4%
Lembaga Standar 2%
*) = 1 April 2020 - 30 September 2020 (Surat BI No 22/6/DpG-DKSP/Srt/B tw)

MDR 0.70% 700
Payment User Free Merchant Keterangan
Issuer L Switching L Service L Standart L Acquirer
37% 18% 4% 2% 39%
Flow Pemotongan Merchant 100,000 259 126 28 14 273 99,300 Issuer, Switching, Accquirer mendapatkan fee yang ditanggung merchant
259 168 273 700
100,000

Banks can work with merchants to receive QRIS transactions from QRIS users:

QRIS Organic Merchant
  1. Initiation of Bank Office Networks (Branch Offices & KCP)
  2. Using the QRIS Merchant Form
  3. Coordination with Head Office:
    • Retail (Digital & Transaction Banking Division)
    • nstitutions (Institutional Relations Division)
QRIS Organic Merchant Grouping
No Jenis Usaha Kode Merchant Kekayaan Bersih Hasil Penjualan Tahunan
Perorangan Badan Usaha
1 Usaha Mikro Usaha Mikro UMI <= Rp. 50 Juta <= Rp. 300 Juta
2 Usaha Kecil Usaha Kecil UKE Rp. 50 – 500 Juta Rp. 300 Juta – 2,5 M
3 Usaha Menengah Usaha Menengah UME Rp. 500 Juta – 10 M Rp. 2,5 – 50M
4 - Usaha Besar UBE > Rp.10 M > Rp.50 M
QRIS Organic Merchant Cooperation Document Requirements
  • Merchant data form
  • General Terms and Conditions for QRIS Merchant Cooperation
  • QRIS Organic Merchant Document Requirements
  • Business analysis at least includes :
    • Potential Target Market
    • Cooperation plan includes the number and name of those who will cooperate
    • Region of conducting and analysing business competition
    • MDR price
    • Revenue Targets to be achieved based on cost & benefit calculations
QRIS Organic Merchant Document Requirements
Jenis Usaha
Usaha Mikro/Usaha Kecil/Usaha Menengah Usaha Mikro/Usaha Kecil/Usaha Menengah/Usaha Besar
Perorangan Badan Usaha
Fotocopy Kartu Identitas (KTP/SIM/Paspor/KITAS) Fotocopy Kartu Identitas (KTP/STM/Paspor/KITAS) pengurus yang berwenang
Fotocopy NPWP (Wajib Untuk Usaha Menengah) Coto Copy NPWP KPerusahaan
- Fotocopy Akta Pendirian Perusahaan dan dokumen pengesahaan
Foto Copy SIUP dan/atau Fotocopy TDP (Tanda Daftar Perusahaan) dan/atau Fotocopy Surat keterangan Domisili dari kelurahan Fotocopu SIUP dan/atau Fotocopy TDP(Tanda Daftar Perusahaan) dan/atau Fotocopy Surat dan/atau NIB (Nomor Induk Berusaha) Keterangan Domisili dari Kelurahan
Foto lokasi usaha dengan terlihat barang yang diperdagangkan Foto lokasi usaha dengan terlihat barang yang diperdagangkan
Dokumen Legalitas lainnya sesuai dengan ketentuan yang berlaku (bila ada/bila diperlukan) Dokumen legalitas lainnya sesuai ketentuan yang berlaku (bila ada/bila diperlukan)
Rekening tabungan pada Bank Rekening Giro atau tabungan pada bank

bjb DigiCash Merchant

Android-based application for receiving QRIS Transactions that is used by Merchants who cooperate with The Bank

  1. Account Info and Transaction History
  2. Receiving QRIS Transactions
  3. Refund
  4. Settlement
Download Now !

The Merchant conducts Activation by entering Mobile Number on the activation menu to receive an OTP from Sender Number. If the Activation is successful the Merchant will receives a notification of successful activation.


Merchant may login by entering the PIN obtained from Sender Number 3373 when the Merchant Approved in Pocket Web Application.


  1. Scan QRIS by Electronic Money on the Smartphone screen of DigiCash Merchant Application
  2. Scan QRIS by Electronic Money on Print Media that displays QRIS

Recommendation Articles
Event28 August 2020
Free for Bandung MSMEs bank...

BANDUNG – Digital marketing has now become one of the new trends that are favored by business people, especially MSMEs as part of a promotional strategy. There are many ways you can choose...

News29 January 2020
Business Review Semester II 2019...

Business Review Semester II 2019 bank bjb yang mengangkat tema “Meningkatkan Pertumbuhan Yang Berkualitas Melalui Sinergi, Inovasi dan Integritas”. Acara tersebut dihadiri oleh Gubernur Jawa Barat yang diwakili oleh Asisten Perekonomian dan Pembangunan,...

News27 April 2020
Through a webinar, bank bjb...

BOGOR – The existence of COVID-19 pandemic has lasted in the country since it was first confirmed in early March 2020 then urges its own challenges for the business world.

Contact Us

bank bjb Head Office
Menara bank bjb
Divisi Corporate Secretary
Jl.Naripan No. 12-14
Bandung - 40111
bank bjb Contact
Telp : 022-4234868
Fax : 022-4206099



bank bjb Registered and Supervised by OJK | bank bjb merupakan peserta penjamin LPS Copyright © 2020 bank bjb