Information, not advice: Second Home Visa Indonesia is an independent editorial guide — not the Government of Indonesia, not the Directorate General of Immigration, and not a law firm or licensed adviser. The Second Home Visa is a non-working visa; the IDR 2 billion deposit is IDR-set and FX-exposed, rules change by regulation, and figures are "last verified June 2026" — confirm at the e-Visa portal (evisa.imigrasi.go.id) and with licensed Indonesian immigration/tax counsel before acting. We never promise approval. If you engage a partner we introduce, that partner may pay us a referral fee at no cost to you.
Proof of funds second home visa Indonesia means showing the Indonesian government you have enough money to qualify for the Second Home e‑Visa (E33F) and its stay permit. Practically, this usually means a state‑owned bank deposit or other documented assets that meet the minimum amount set in regulation.
What “Proof of Funds” Means for the Second Home Visa
For the Second Home Visa Indonesia, proof of funds is the financial requirement you must satisfy **before** the e‑Visa (E33F) is issued and again **before** the stay permit is printed in your passport.
The legal base is:
– **Peraturan Menteri Hukum dan HAM (Permenkumham) No. 22 Tahun 2023** on visas and stay permits, and
– Implementing circulars (Surat Edaran/SE) from the Directorate General of Immigration, especially those replacing SE IMI‑0740.GR.01.01 Tahun 2022.
Regulation uses two parallel concepts:
1. **“Dana dalam rekening Bank milik negara (state‑owned bank deposit)”**
2. **“Kepemilikan properti di Indonesia (eligible property ownership)”**
Both are forms of **proof of funds**. Agents often talk only about “the IDR 2 billion deposit”, but the rules are wider (and still evolving).
Where we say “IDR 2 billion” below, that’s the figure as **re‑confirmed in practice up to June 2026 [VERIFY]**. Always re‑check before moving funds.
Current Funds Requirement for the Second Home Visa
Below is a practice‑based snapshot, built from the Circulars and actual recent applications.
| Item | Current Practice (Last checked June 2026) [VERIFY] | Source / Notes |
|---|---|---|
| Regulatory basis | Permenkumham No. 22/2023 + DG Immigration Circulars | Replaces older SE IMI-0740.GR.01.01/2022 |
| Funds requirement second home visa (nominal) | IDR 2,000,000,000 (two billion rupiah) or equivalent | Threshold unchanged in practice to June 2026 [VERIFY] |
| Allowed financial formats | Deposit in state-owned bank (Bank BUMN) or qualifying asset proof | Exact acceptable formats can change by Circular |
| Timing – e-Visa stage | Proof usually needed before issuance of E33F e-Visa | Some Circulars allow proof closer to entry; practice is stricter |
| Timing – stay permit stage | Deposit / asset proof re-checked before ITAS (stay permit) sticker | Immigration may want refreshed bank statement / confirmation |
| Visa duration options | 5-year or 10-year Second Home ITAS (practice: 5 years most common) | Duration not proportional to >IDR 2bn balance |
| Currency allowed | Rupiah; foreign currency converted to equivalent IDR 2bn+ value | Bank issues letter showing IDR equivalent |
| Source of funds rule | No formal “source of wealth” test, but unusual flows can be queried | Anti–money-laundering checks at bank and Immigration discretion |
| Refundability | Money stays in your account; not paid to Immigration | Immigration sees proof, but does not “hold” the funds |
We focus here on **IDR 2bn via bank** because that is the most common path and the one agents and applicants are struggling to interpret.
For full route comparison (property‑based vs deposit‑based vs adjacent KITAS), see our main pillar: Indonesia Second Home Visa: Complete Guide.
Deposit vs Bank Statement: What Immigration Actually Expects
You will hear several overlapping phrases:
– “IDR 2bn deposit at a state‑owned bank”
– “second home visa Indonesia bank statement”
– “Bank guarantee”
– “Time deposit (deposito) letter”
These all point back to the same requirement: **prove you control at least IDR 2bn, in a way Immigration accepts.** Practice currently falls into two patterns.
1. Time Deposit (Deposito) at a State-Owned Bank
Historically, the cleanest format has been a **time deposit at a Bank BUMN** (state‑owned bank such as BRI, BNI, Mandiri, BTN), with:
– Minimum **IDR 2,000,000,000** equivalent
– In your **own name** (or joint, if clearly including you)
– Supported by a **bank letter in Bahasa Indonesia**, confirming:
– Your full name and passport number
– Account/Deposit number
– Balance ≥ IDR 2bn
– Date of issue (as close as possible to the application)
You then upload:
– Scan of the bank letter (PDF)
– Sometimes: supporting **bank statement** pages showing the balance and transaction history
2. Regular Account Balance + Statement
More recently, practice has softened in some Kanwil (regional offices):
– A **current/savings account** with ≥ IDR 2bn
– **Bank statement** (mutasi rekening) for the last 1–3 months
– Accompanying **bank confirmation letter** (surat keterangan bank) stating the available balance
This is why you see the phrase **“second home visa Indonesia bank statement”** on agent sites: they are talking about this second option.
However:
– Immigration officers still **prefer a clear, static deposit** over a moving current account.
– Large recent incoming transfers into a fresh account can trigger extra questions.
If you want the path of least resistance, many of our vetted partners still structure proof of funds using a **time deposit + bank letter**.
Step-by-Step: Meeting the Proof of Funds Requirement
Below is a practical walk‑through of how the funds requirement for the Second Home Visa is usually handled in 2025–2026.
Step 1 – Decide on Your Route (Deposit vs Property)
You essentially choose between:
– **Deposit route:** maintain a **liquid balance** of at least IDR 2bn equivalent.
– **Property route (where available):** show ownership of eligible property with minimum value defined by local regulation and Circulars.
This page focuses on the **deposit route**, because it is:
– Supported nationwide
– More consistent from one Kanwil to another
– Easier to change (you can move banks / currencies later, so long as you maintain the threshold and can prove it)
If you want to explore property as proof of funds, or hybrid structures with an existing KITAS, ask us via plan your trip — our WhatsApp‑based planning team can connect you with a lawyer‑led partner for a case‑specific check.
Step 2 – Get Your Money into a Usable Account
You have two main choices:
1. **Transfer into Indonesia and open a local account**
2. **Use funds in your home country and rely on equivalent‑value statements / letters** (only sometimes accepted; more friction).
In practice:
– **Using an Indonesian state‑owned bank** simplifies life. The bank can issue Bahasa letters in the exact format officers expect.
– If you cannot yet open a local account (e.g., still abroad), some partners structure the application with:
– An overseas bank statement + bank letter in English
– Translation and additional documentation
– Then shifting to a local deposit before ITAS printing
This is more fragile: individual officers and airports may interpret the Circulars differently.
Step 3 – Lock the Format: Time Deposit or High-Balance Account
Work with your bank to:
– Set up a **time deposit (deposito berjangka)** in IDR or major foreign currency.
– Or maintain your **current account** above IDR 2bn equivalent for at least 1–3 months.
Ask specifically for:
– A **surat keterangan saldo (balance certificate)** in Bahasa Indonesia
– Including the **IDR equivalent value** if your account is in foreign currency
– Signed and stamped (cap basah), with bank letterhead and contact details
Step 4 – Prepare the Documents for the E-Visa (E33F) Application
For the **e‑Visa online application**, you (or your sponsor/agent) will typically upload:
– **Color scan** of the bank letter (PDF)
– **Bank statement** for the last 1–3 months (where requested by the system or by officer)
– Passport, photo, CV, and other standard E33F requirements (see main pillar)
The system doesn’t always have a dedicated field called “proof of funds”. Documents are often uploaded under generic headings (e.g. “supporting documents”), then clarified in the notes.
Step 5 – Immigration Review and Possible Clarifications
Processing reality (not theory):
– Jakarta (central) checks documents first, then may push queries to **local Kanwil**.
– Officers sometimes ask for:
– Fresher bank letter (if the first has “expired” by the time they review)
– Clearer translation, if your documents are not in Bahasa Indonesia
– Confirmation that the account is in your **personal** name
Processing times and strictness can vary **by batch and by officer**. No reputable party can promise that your proof of funds will be accepted exactly as submitted.
Step 6 – Before the ITAS Sticker: Re-Showing Funds
Even after the **E33F e‑Visa is granted**, some airports and Kanwil will:
– Ask to see **printed** proof of funds at entry; and/or
– Request a **fresh bank letter/statement** before they issue your Second Home ITAS (stay permit) and print the sticker.
That is why we treat this as a **continuing requirement**, not a one‑time upload.
How Long Must the IDR 2bn Stay in the Account?
Regulation is not explicit on a day‑by‑day minimum, but practice shows a pattern:
– Officers expect the funds to be **real and continuously available**, not just a one‑day “window dressing” transfer.
– Short‑lived balances with immediate outflows can trigger doubts.
Practical guardrails from recent cases:
– Maintain the IDR 2bn (or more) **from at least a few weeks before** you submit until **after your ITAS is printed.**
– Many applicants then **keep the balance** or a similar level in place, because Immigration can re‑check at:
– **Extension/renewal** (after 5 or 10 years, depending on your ITAS)
– **Status changes**, such as moving to a different stay permit category.
There is **no written rule** that Immigration can see your account in real‑time. But they can always request updated statements or letters as a condition for future services.
Eligibility and Proof of Funds: Who Actually Qualifies?
Proof of funds is only part of the eligibility picture.
Key Eligibility Points (Beyond the Money)
You must also satisfy:
– **Passport validity:** at least 36 months at time of application (check the latest Circular for exact months).
– **Clean record:** no listed immigration blacklist or recorded overstay issues in Indonesia.
– **Purpose:** “Second Home” – long‑term stay, not employment.
The funds requirement for the Second Home Visa does **not** substitute for:
– Professional qualifications (not needed here, unlike some work KITAS routes).
– Sponsorship by an employer (you do not get formal work rights with Second Home status).
Funds Requirement vs Other KITAS Routes
Some applicants compare the **funds requirement second home visa** to other stay permits:
– **Retirement KITAS:** Lower monthly income proof, age limit, no formal IDR 2bn lump‑sum requirement but tighter age/insurance/agent rules.
– **Investor KITAS (PMA route):** Requires company capitalisation and corporate compliance instead of a personal IDR 2bn deposit.
– **Work KITAS:** Employer‑sponsored, no personal deposit, but complex quota and tax obligations.
Choosing the Second Home route primarily for **“no employer” + fixed proof of funds** can make sense, but it does **not** remove Indonesia’s tax or reporting expectations (see below).
For a structured comparison of these routes with real‑world numbers, use our main guide: Indonesia Second Home Visa: Complete Guide.
Can You Work on a Second Home Visa If You Have the Funds?
No. Proof of funds does **not** create work rights.
– Second Home ITAS is classed as a **non‑work stay permit**.
– You **cannot take employment in Indonesia** that would normally require a work KITAS (e.g. being on local payroll, having a formal job title).
– You also do not automatically have the right to act as a **commissioner/director** in a PMA company with this status; that typically needs the corresponding **Investor/Work KITAS**.
What you realistically can do:
– **Manage your own investments** (e.g. overseas portfolios, passive holdings).
– **Sit on foreign boards or invoice foreign clients**, where the work relationship and tax nexus remain offshore.
– Participate in non‑paid activities (community events, some volunteer roles – within Indonesian law).
The line between “remote work” for foreign clients and taxable local work is a **tax and regulatory grey area**, not defined in the Second Home regulation itself. The safe reading is:
– Your Second Home status does **not** authorise you to engage in activities that would otherwise require a work permit under **UU Ketenagakerjaan** and related regulations.
Tax: Does Having IDR 2bn on Deposit Make You an Indonesian Tax Resident?
Tax is separate from the visa, but the consequences are real.
Under **Indonesian tax law (UU HPP revisions to UU KUP and UU PPh)**, tax residency is mainly based on:
– Physical presence of **>183 days in any 12‑month period**; or
– Clear intent to stay and be domiciled in Indonesia.
Holding a Second Home ITAS and physically living in Indonesia the bulk of the year will, in practice, often make you a **tax resident**.
Key implications:
– Indonesia taxes residents on **worldwide income**, with foreign tax credits available under tax treaties.
– The IDR 2bn deposit itself is **not taxed as income** (it is capital).
– **Interest** you earn on that deposit may be subject to Indonesian tax at bank level or in your annual return.
Immigration officers will not compute your tax for you. But as a matter of integrated risk, large balances without clear tax compliance will attract more attention over time, not less.
We work with vetted tax advisors who understand both the Circulars and the tax code; if you want a joined‑up view of proof of funds **plus** residence‑based tax, use plan your trip and we can connect you via WhatsApp.
Common Pitfalls With Proof of Funds
1. Using a Corporate or Spouse-Only Account
Immigration expects the funds to be clearly under **your personal control**:
– Corporate bank accounts, even if you are director/owner, are weak proof.
– Spouse‑only accounts, where your name does not appear, can be rejected.
Safer structure:
– Personal account or time deposit in **your own name**.
– Joint account only if your full name and passport details are clearly listed in the bank letter.
2. Over-Reliance on Foreign Bank Statements
Foreign statements can work but frequently cause:
– Requests for **legalised translations**.
– Questions on currency conversion rates and date of valuation.
– Extra time in review.
If you are serious about a 5–10 year stay, establishing a relationship with an Indonesian **Bank BUMN** is typically more efficient.
3. Micro-Managing Every Rupiah Around the IDR 2bn Line
Trying to sit at exactly IDR 2,000,000,001 and moving funds in and out frequently:
– Increases the chance that your **statement date** catches the balance below the threshold.
– Creates a pattern that is harder to defend if AML screening is applied.
Most successful applicants keep a **buffer** above IDR 2bn. The Circular doesn’t reward you for having more than the minimum (you don’t get a 20‑year visa for IDR 4bn), but operationally it reduces friction.
4. Assuming the Funds Are “Locked” With Immigration
You are not paying a fee or bond to Immigration:
– The money remains in your **own account**.
– You retain legal control, subject to your bank’s deposit terms (e.g. penalties for early break).
The practical constraint is:
– You must be able to **re‑prove** at key points that you still meet the requirement.
– If you fully withdraw and spend the funds, you might pass a spot check if timing is lucky, but you increase your medium‑term risk (especially on extension).
Independence and How We’re Funded
Second Home Visa Indonesia is an **independent intelligence site**. We read the **PPs, Permenkumham, and Circulars** line‑by‑line, compare them with actual processing, and publish what we can stand behind factually.
We are not an agent. We do work with a small number of **vetted partners** (lawyer‑led or highly specialised consultancies) for execution. Our independence rule is:
– **No one can pay to change what we publish; if you proceed with our partner they may pay us a referral fee at no extra cost to you.**
That is how we keep covering dry details like bank letters and SE numbers instead of chasing glossy marketing.
If you want help turning this page into an actual application strategy, contact us via plan your trip; our team can coordinate by email or WhatsApp and connect you to the right operator for your situation.
FAQs: Proof of Funds for the Indonesia Second Home Visa
Is the IDR 2 billion figure for the Second Home Visa still valid?
Yes, in practice the minimum proof of funds requirement remains IDR 2,000,000,000 (two billion rupiah) or equivalent up to June 2026, but you should re-check the latest Circulars or confirm with Immigration before moving funds, as official policy can change without long public notice.
Do I have to keep the IDR 2bn in an Indonesian bank, or can it stay overseas?
Some officers accept overseas bank statements and bank letters showing the equivalent of IDR 2bn, but applications supported by a time deposit or account at an Indonesian state-owned bank are generally smoother; for long-term residence most applicants eventually move the funds into Indonesia.
Can I spend or move the money after my Second Home ITAS is issued?
Legally the funds remain yours and are not frozen by Immigration, but because officers can ask for renewed proof at entry, at extension, or for other services, draining the balance significantly below IDR 2bn increases your medium-term risk and may complicate renewals.
Does showing IDR 2bn proof of funds give me the right to work in Indonesia?
No, the Second Home Visa and its ITAS are classified as non-work permits; proof of funds allows long-term residence but does not authorise local employment or roles that normally require a work KITAS or investor KITAS.
Will having IDR 2bn on deposit make me an Indonesian tax resident?
The deposit itself does not define tax residency; tax status depends mainly on how many days you spend in Indonesia and your intention to be domiciled there, but in practice someone living in Indonesia long-term on a Second Home ITAS will often be treated as a tax resident and should plan for worldwide income reporting.
If you want a reality‑checked view of your own finances, tax position, and the Second Home path, start with us here: plan your trip — we’ll map out the steps and, if you wish, coordinate introductions via WhatsApp to a vetted execution partner.