QRIS for Foreigners and Expats
Long-term residents: get full QRIS access in Indonesia
Tourist vs Expat
1. Tourists
2. Expats
Full QRIS via Indonesian bank account
How Expats Get Full QRIS Access
Requirements:
- • KITAS (temporary stay permit) or KITAP
- • Indonesian phone number (local SIM)
- • Indonesian bank account
- 1
Get a local SIM (Telkomsel, Indosat or XL)
- 2
Open a bank account (BCA, Mandiri or BRI – most expat-friendly)
- 3
Download the bank's app
- 4
Register for QRIS in the app or at a branch
- 5
Start using it at all 30M+ merchants
Expat-Friendly Banks in Indonesia
🏦
Bank Central Asia (BCA)
- Expats: ✅ With KITAS
- App: myBCA (good English support)
- QRIS: ✅ Built in
🏦
Bank Mandiri
- Expats: ✅ With KITAS
- App: Livin' by Mandiri
- QRIS: ✅
🏦
BRI (Bank Rakyat Indonesia)
- Expats: ✅ Some branches
- Note: Widest ATM network in Indonesia
- QRIS: ✅
Practical Expat Tips
- •Get a Telkomsel SIM first (best coverage)
- •BCA is preferred for expats (English support)
- •Register GoPay/OVO as a backup
- •Keep cash for smaller towns outside Java/Bali
Receiving payments as an expat or merchant?
Generate QRIS Code →