I constantly see BNI and BRI cash machines across Indonesia.

What are the differences between the two?

  • The same differences as between PostFinance and Credit Suisse ATMs. Every machine with a VISA sign allows you to get money from your credit card at a cost fixed by VISA and at the daily conversion rate of your credit card issuer.
    – Alexander
    Jul 16, 2015 at 12:37
  • 2
    Beside the fact they're just two different Indonesian banks ?
    – blackbird
    Jul 16, 2015 at 12:38
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    I was wondering if these actually were different banks, thought they could be part of the same group company
    – Adriano
    Jul 16, 2015 at 14:28
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    Just different banks. BNI sometimes seem to have higher limits though (sometimes it's possible to get 2 million while the machine states a maximum of 1,5 million).
    – Axel
    Jul 16, 2015 at 22:10

2 Answers 2


Bank Rakyat Indonesia (BRI) and Bank Negara Indonesia (BNI) are separate banks. BRI is bigger and has a more widespread ATM network, with over 20,000 compared to BNI's 6,000.

There's conflicting information about fees, with at least one claim that BRI has lower fees but a similar forum post stating there are no fees for most Indonesian ATMs.

  • Interesting. One thing I noticed is that BNI cash points accept bank cards belonging to a wider number of networks. Anything to say about it?
    – Adriano
    Jul 18, 2015 at 9:43

Although BRI seems to have a bigger network than BNI, there seems to be an advantage in using BNI cash machines: they usually (if not always) accept cards belonging to a larger number of card networks.

BNI cash points accept: Visa, Visa electron, MasterCard, Cirrus, Maestro, Plus, ATM Bersama, Prima, BNI, Link.

BRI cash points usually do not accept cards belonging to Visa. I'll try find out more on this.

BNI cash point in Indonesia

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