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.
The indonesia second home visa deposit is a financial requirement set by Indonesia’s immigration framework for certain long-stay “Second Home” residence permits. As at last verified June 2026, the core rule is a proof of funds equivalent to IDR 2,000,000,000 (~USD 120,000–130,000, FX caveat) or qualifying property ownership, documented in very specific ways.
We are Second Home Visa Indonesia — an independent analysis project, not the government, not the Directorate General of Immigration (DGI), and not a law firm. This page is information, not advice. 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.
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1. Where the Second Home Visa Deposit Comes From in the Law
Indonesia’s Second Home framework lives mainly in:
– **PP 48/2021** – *Peraturan Pemerintah Nomor 48 Tahun 2021* on Third-Party Immigration Services (general legal basis for visa classes and sponsorship formats).
– **DGI Circular IMI-0740.GR.01.01/2022** – *Surat Edaran Dirjen Imigrasi* that introduced the “Izin Tinggal Rumah Kedua / Second Home” and its financial proof rules.
– The **visa index** around **E33F** (Second Home Visa) and **E33E** (Second Home KITAS/KITAP) classifications, as maintained by Ditjen Imigrasi.
Key points on the deposit, as last verified June 2026, distilled from those sources:
– The Circular requires:
– **Proof of ownership of funds** of at least **IDR 2,000,000,000** *OR*
– **Proof of ownership of luxury property** in Indonesia (threshold interpreted in practice as ~USD 1,000,000 [VERIFY]).
– Funds must be **placed in / proven in a bank account in Indonesia**, and in practice immigration officers typically ask for:
– An account with a **state-owned bank (Bank BUMN)** for foreign applicants relying on the deposit method, or
– Documentation of qualifying **Hak Pakai / Hak Milik** over designated residential property for the property route.
The Circular itself does not spell out every operational detail (for example, it does not list bank names, interest rules, or step‑by‑step withdrawal mechanics). Those come from implementing practice, internal DGI guidance, and bank-level policy, which are changeable and must always be treated as [VERIFY] items unless backed by written regulation.
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2. The Core Number: IDR 2,000,000,000 (≈ USD 120k–130k, FX Caveat)
As at last verified **June 2026**, the regulatory financial threshold is:
– **IDR 2,000,000,000** (two billion rupiah)
– Set via **DGI Circular IMI-0740.GR.01.01/2022** for Second Home applicants using the “funds” route.
– This figure is **nominal in rupiah**, **not** indexed to foreign currencies.
Using mid-market FX ranges seen in early 2026:
– IDR 2bn ≈ **USD 120,000–130,000**
– Exchange rates move; this is an **estimate**, not a guaranteed conversion. Your bank’s rate and spread will differ.
Important:
– The **2bn number is what matters to Immigration**, not whatever USD/EUR/SGD amount you transferred in.
– If the rupiah weakens or strengthens after you deposit, the immigration requirement does **not automatically re-index**; it remains 2bn nominal unless the Circular is revised.
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3. Deposit vs Property Route: Two Ways to Meet the Financial Rule
IMI-0740.GR.01.01/2022 sets out **two conceptual options** for proving you qualify financially:
1. **Cash / Deposit Route** – proof of at least IDR 2bn in an Indonesian bank account.
2. **Property Ownership Route** – proof you own qualifying “luxury” residential property, often described in practice as **~USD 1,000,000 value** [VERIFY].
The Circular is explicit about the **funds** threshold (2bn) but vaguer about the **property valuation**, which is why any USD 1m figure must be treated as **practice-based, not strictly codified**. Local immigration offices may interpret and apply this differently.
| Requirement | Deposit / Funds Route | Property Route [VERIFY] |
|---|---|---|
| Legal basis | IMI-0740.GR.01.01/2022 (funds ≥ IDR 2bn) | IMI-0740.GR.01.01/2022 (property-ownership option, valuation threshold not numerically fixed) |
| Amount / value | IDR 2,000,000,000 minimum (last verified June 2026) | Commonly applied ≈ USD 1,000,000+ property value [VERIFY, practice-based, FX caveat] |
| Form of proof | Bank reference / statement from Indonesian bank; sometimes time-deposit (deposit berjangka) | Land certificate (SHM/SHGB/Hak Pakai), IMB/PBG, sale-purchase deed (AJB), valuation if requested |
| Liquidity | High, but tied to immigration status; premature withdrawal can jeopardise stay | Low; property sale or transfer is slow and regulated |
| Volatility risk | FX risk if originally funded in foreign currency; rupiah asset thereafter | Local property-market risk; potential regulatory zoning/use issues |
| Who holds the asset | Applicant (or guarantor) in Indonesian bank | Applicant (or eligible structure) on land registry |
Both routes are **screening mechanisms**, not investments promoted by the state. They act as a signal you can support yourself without working in Indonesia.
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4. Where the Money Sits: State-Owned Bank & Account Type
The Circular requires the funds to be in an Indonesian bank; in practice, immigration offices most often ask for:
– A **bank reference letter or statement** from a **state‑owned bank (Bank BUMN)** such as BRI, BNI, Mandiri, BTN (examples only, not endorsements).
– The applicant’s **name must appear on the account**, or the guarantor’s name if you are using a guarantor arrangement.
As at last verified June 2026, operational practice generally looks like this (these are **practice norms**, not written law):
– **Account type**:
– Acceptable: **savings account (tabungan)** or **time deposit (deposito berjangka)**.
– Some local offices prefer a **fixed-term deposit** because it is easier to demonstrate that the **2bn is held continuously**.
– **Currency**:
– Many banks allow **IDR or foreign currency accounts (USD, SGD, etc.)**.
– Immigration’s threshold, however, is **denominated in IDR**:
– If you hold USD, banks will often issue a letter showing the equivalent IDR value at that day’s rate.
– FX swings could, in theory, put you under 2bn at a later check, even if the foreign currency number looks the same.
The safer assumption (not legal advice) is that **a straight IDR balance at ≥ 2bn** minimises interpretation risk. Always confirm the latest practice with a qualified immigration professional before transferring significant funds.
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5. Do You Have to Maintain IDR 2 Billion for the Whole Visa Term?
This is one of the most important and most misunderstood elements.
– The Circular sets **2bn as a threshold for granting the Second Home stay permit**.
– Operationally, DGI and local Kantor Imigrasi have treated this as a **condition to be maintained**, not a one‑day snapshot, especially at:
– **Initial visa issuance**
– **Conversion to ITAS/ITAP** (temporary/permanent stay)
– **Extension or status check** events
As at last verified June 2026, the working assumption from practitioners is:
– You should plan to **keep the 2bn (or more) in your Indonesian bank account for the full term of your Second Home stay**, especially for the first 5‑year period.
– Significant withdrawals that bring the balance **below 2bn** before the end of the authorised stay can:
– Trigger **questions at extension**; and
– In the worst case, be treated as **non-compliance**, risking cancellation of your stay permit.
Because the Circular does not spell out “daily minimum balance rules” or “percentage tolerance”, this is **interpretation and practice**, not black-letter law. We mark it [VERIFY] at each use and encourage you to:
– Get the **exact expectation in writing** from your executing agent or lawyer.
– Retain your **bank statements and letters** in case of future checks.
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6. When You Actually Have to Place the Deposit
The process has two distinct regulatory moments:
1. **Visa application stage** (offshore / online visa)
2. **Post‑arrival stay permit conversion and reporting** inside Indonesia
Under IMI-0740.GR.01.01/2022:
– For the **initial Second Home visa issuance**, you must upload **proof of funds or property** with your application.
– That proof can be:
– A bank statement from abroad, **or**
– A bank statement from Indonesia, **or**
– Property documents.
However, practice since 2023 has solidified toward **showing the funds in an Indonesian bank** as early as possible.
The “~90 days” point in your brief refers to:
– **Typical bank and immigration practice**: some officers and agents prefer that you open the Indonesian account and place funds **within roughly 90 days before your intended entry** so that:
– The documentation is current (most letters/statements must be <30 days old at time of application).
- The bank has cleared any **source-of-funds checks** and KYC, which can take weeks for foreign clients.
To be precise:
- There is **no explicit “90-day rule” in PP 48/2021 or IMI‑0740.GR.01.01/2022**.
- The **90 days** is a **planning window**, not a regulatory deadline. We flag this as [VERIFY: procedural practice, not codified].
Practical sequence seen in many successful cases (not a guarantee):
1. **Open Indonesian bank account** (may require a visit; some banks allow pre‑opening via priority desks).
2. **Transfer at least IDR 2bn equivalent** into that account.
3. Obtain a **bank reference letter** (usually valid for 30 days for immigration purposes).
4. Submit **Second Home visa application** online with that letter and other documents.
5. On arrival, **report and convert** to the appropriate stay permit, re‑showing the financial proof if asked.
If you want help lining up the bank documents and timing, you can plan your trip with us and we can connect you to a vetted local immigration partner over WhatsApp.
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7. Interest, Currency Risk, and Practical Holding Considerations
The Second Home deposit is not described in the law as an escrow or blocked guarantee. It is, in most interpretations:
– **Your money**, in **your account**, with:
– **Interest** or profit share determined by the bank’s product.
– **FX risk** if you use non‑IDR currencies.
– **Liquidity constraints** driven by immigration compliance rather than banking rules.
Key practical points, as last verified June 2026 (bank policies change frequently, always [VERIFY] with the bank):
– **Interest rates**:
– Rupiah time deposits generally pay **more** than foreign-currency deposits.
– Rates vary widely by bank and tenor (3, 6, 12 months, etc.).
– **Access**:
– A standard **savings account** is usually fully liquid but may be more heavily scrutinised by immigration in terms of maintaining the balance.
– A **time deposit** may lock you in: early breaking it can reduce interest and may raise red flags if Immigration expects to see that deposit intact.
– **FX risk**:
– Example: You deposit USD 130,000 when USD/IDR is 15,400, giving ~2bn IDR equivalent.
– If USD/IDR falls (rupiah strengthens) to 14,500 and you stay in a USD account, your **IDR equivalent** drops below 2bn.
– Immigration could, in theory, see a letter showing <2bn at your next check.
- **Inflation / policy risk**:
- PP 48/2021 gives the government flexibility to adjust visa conditions.
- DGI could revise the Circular to change thresholds (up or down) without passing a new law, although such changes are normally announced.
Because the **deposit is large and in a single emerging-market currency**, applicants commonly coordinate:
- **Financial planning** (portfolio and FX), and
- **Immigration-execution planning**
in parallel, not in isolation.
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8. Guarantor Option: Can Someone Else Provide the Funds?
IMI-0740.GR.01.01/2022 permits the use of **“penjamin” (guarantor)** structures for certain foreign nationals. This flows from broader concepts in **PP 48/2021**, where sponsorship and guarantees can be provided by:
– Indonesian citizens,
– Indonesian legal entities (Perseroan, etc.), and
– In some cases, foreign entities with specific approvals.
As applied in the Second Home visa context (last verified June 2026):
– A **guarantor can, in some cases, place or show the required IDR 2bn** instead of the applicant.
– The guarantor must:
– Be a **legally recognised sponsor** for immigration purposes (not just a friend sending a letter),
– Provide **identity and corporate documents** as required, and
– Sign the **guarantee / sponsorship forms** used by Immigration.
Operationally:
– The **bank account may be in the guarantor’s name**, with a letter explicitly stating that the funds are held as support for the named applicant’s Second Home stay.
– Immigration remains focused on:
– The **existence and stability** of ≥2bn support,
– The guarantor’s **credibility and continuing willingness** to sponsor you.
Risks and caveats:
– If the guarantor **withdraws support** or the funds:
– Immigration can regard your **basis for staying as no longer valid**.
– The Circular and PP 48/2021 permit enforcement measures against guarantors who **fail their obligations**.
– This is a **legally and practically sensitive arrangement**; you should engage a competent immigration lawyer if relying on it.
We occasionally introduce users to vetted Indonesian law firms who structure such guarantees; plan your trip with us if you want an introduction via WhatsApp.
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9. Withdrawal and Early Exit: What Happens to the Deposit?
Because the deposit is not legally “seized” by the state, there is no confiscation clause in PP 48/2021 or IMI-0740.GR.01.01/2022 tied to early withdrawal. However, there is a **clear logic** in the framework:
– The **2bn proof** is a **condition** of your Second Home residence.
– If that condition ceases to be met:
– The **legal basis for your stay weakens or disappears**.
Consider three scenarios:
9.1. You keep the deposit for the full visa term
– You maintain ≥2bn in your Indonesian bank account.
– You **comply with checks** at extensions and status reviews.
– At the **end of your authorised stay** (e.g., after 5 or 10 years, depending on your permit), you:
– **Exit Indonesia** or **transition to another visa class**, and
– Are then free to **repatriate or reallocate funds** without immigration consequences.
9.2. You partially withdraw but remain above 2bn
– If your balance remains **≥2bn**, the core condition is, on paper, still met.
– However, heavy transaction activity can attract **additional questions** at extension.
– Documentation management (statements, letters) becomes more important to demonstrate **continuous eligibility**.
9.3. You withdraw so the balance falls below 2bn before your stay ends
This is the **highest-risk scenario** from an immigration perspective:
– At the next immigration interaction (extension, address update, random audit), you may be asked to **show financial proof** again.
– If your balance <2bn:
- The officer can **recommend non‑renewal or cancellation** of your Second Home status.
- You may be asked to **restore the balance** quickly or to **change status** (e.g., to a shorter-stay visa) and leave.
The exact procedure for discovery and enforcement is **not spelled out** in PP 48/2021 or the Circular. That means local interpretation varies and is subject to internal DGI policy. From a risk-management perspective, the cleanest strategy is:
- **Don’t treat the 2bn as spendable capital** while you rely on Second Home status.
- Treat it as a **dedicated reserve**, even though, legally, it is in your name and earning interest.
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10. Work Limits: What You Cannot Do With a Second Home Visa
PP 48/2021 and IMI-0740.GR.01.01/2022 are clear on intent: the Second Home pathway is for **non-working, self-funded long stays**.
Practically, that means:
– **No right to take employment** in Indonesia (no local employment contract, no salary from an Indonesian employer).
– **No right to act as director/commissioner** in an operational Indonesian company that requires a work permit (RPTKA/IMTA), unless covered by a **separate work-authorised status**, which is rarely compatible.
– **No right to perform on-the-ground, billable services** for Indonesian clients.
Permitted / tolerated activities usually include (subject to other sectoral laws):
– **Holding foreign assets** and earning offshore income (dividends, pensions, royalties).
– **Owning Indonesian property** in compliant forms and renting it out through proper licensing and tax channels (but not personally working as an unlicensed property manager).
– **Remote work for non-Indonesian employers**, done online, where the employer has **no Indonesian presence** and you are careful about:
– **Tax residency**, and
– **Permanent establishment** risks for that foreign employer.
None of this expands the visa’s formal work rights; it is about how Second Home residents actually live while staying within the legal intention of PP 48/2021.
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11. Tax: Does the Deposit or Your Stay Make You Tax Resident?
Immigration status and tax status are legally separate in Indonesia, but they intersect in practice.
As at last verified June 2026, under Indonesian tax rules (UU PPh and its implementing regulations):
– You may be treated as an **Indonesian tax resident** if:
– You stay **more than 183 days in any 12‑month period**, or
– You are present and demonstrate an intention to **reside in Indonesia**.
– **Second Home permit holders are directly in the “long‑stay, resident” category** in most cases.
How this interacts with the deposit:
– The **deposit itself** (2bn) is **not a taxable event** merely by sitting in a bank account.
– **Interest** or profit from that deposit:
– Is usually subject to **Indonesian withholding tax** at source (commonly 20% on deposit interest, sometimes reduced by tax treaties).
– Once you are **tax resident**, Indonesia may tax your:
– **Indonesian‑source income** fully;
– **Foreign‑source income** depending on evolving rules and whether it is **remitted** to Indonesia and on timing (some recent reforms introduced transitional or territorial elements for new residents—this area is fluid and must be [VERIFY] at the moment you apply).
Tax YMYL caveat:
– Details of Indonesian personal tax for Second Home holders are **not fully codified inside the immigration Circular**.
– You should assume:
– **Long presence + Second Home = tax resident** in many fact patterns.
– Cross‑border implications (pensions, portfolios, companies) need a **licensed tax adviser**.
We can connect you to tax professionals experienced with long‑stay foreigners; use plan your trip to request a WhatsApp introduction.
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12. Independence, Role, and How We Work With Partners
Clarity is part of our brand:
– We are **Second Home Visa Indonesia**, a private, independent information and analysis project.
– We are **not**:
– The Indonesian government,
– The Directorate General of Immigration,
– A law firm or tax advisory practice.
What we do:
– Read and interpret the **primary regulations** (PP 48/2021, IMI‑0740.GR.01.01/2022, visa index updates).
– **Date‑stamp every figure** and **flag anything based on practice** rather than explicit regulation ([VERIFY]).
– Maintain a **network of vetted partners** (immigration consultants, law firms, tax advisers, and selected banks) who execute applications and banking steps.
Funding:
– We do not sell legal or immigration advice.
– We may introduce you to a partner who can. In that case: **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.**
If you are considering the Indonesia Second Home Visa and want a **deposit and tax‑aware plan** built with regulated professionals, you can plan your trip and request a callback or WhatsApp chat.
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13. Key Facts Summary: Indonesia Second Home Visa Deposit
- Legal basis
- PP 48/2021 and DGI Circular IMI‑0740.GR.01.01/2022 (last verified June 2026).
- Deposit threshold
- IDR 2,000,000,000 minimum (nominal rupiah, not FX‑indexed; last verified June 2026).
- Approximate foreign equivalent
- ≈ USD 120,000–130,000 at early‑2026 rates (FX caveat, indicative only).
- Alternative to deposit
- Qualifying ownership of “luxury” Indonesian property, commonly interpreted as ~USD 1,000,000+ value [VERIFY, practice-based].
- Where funds sit
- Applicant’s or guarantor’s account in an Indonesian bank; state‑owned banks (Bank BUMN) are commonly requested in practice.
- Must maintain 2bn throughout stay?
- Yes as a working assumption; law is threshold-based, but practice expects continuous compliance for visa term [VERIFY on application].
- Can a guarantor provide funds?
- Yes, where a legally recognised guarantor (penjamin) acts as sponsor and shows ≥2bn support; structure sensitive and best handled by a lawyer.
- Interest on deposit
- Paid according to bank product; interest income normally subject to Indonesian withholding tax.
- Work rights
- No employment rights in Indonesia; Second Home is for self‑funded long stays, not local work.
- Tax exposure
- Long presence + Second Home likely to trigger Indonesian tax residency; worldwide/foreign income treatment depends on current tax rules and remittance; specialist advice required.
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FAQs on the Indonesia Second Home Visa Deposit
Why is the Second Home Visa Indonesia 2 billion deposit set at that level?
The Circular IMI‑0740.GR.01.01/2022 simply states the threshold as IDR 2,000,000,000; it does not provide a policy explanation. Practically, it functions as a wealth and self-sufficiency screen, ensuring applicants can support long stays without working. Any deeper rationale (tourism strategy, fiscal goals) is inferred, not written into the regulation.
Is the Indonesia Second Home Visa deposit refundable?
The 2bn is never paid to Immigration; it sits in your own Indonesian bank account or your guarantor’s account. There is nothing for Immigration to “refund”. When your Second Home stay ends and you no longer need to meet the 2bn condition, you can withdraw or repatriate the funds subject to banking, tax, and FX rules.
Which banks can I use for the Second Home Visa bank account Indonesia requirement?
The regulation only requires an Indonesian bank. In practice, officers often prefer state-owned banks (Bank BUMN) such as BRI, BNI, Mandiri, or BTN; some private and foreign banks are also accepted. There is no exhaustive published list, and acceptance can vary by office, so this point should always be confirmed before you transfer funds.
Can someone else provide the Second Home Visa deposit Indonesia requires?
Yes, via a guarantor (penjamin) structure allowed under PP 48/2021 and applied in the Second Home Circular. A legally recognised sponsor—an individual or entity—can show the 2bn in their account and guarantee your stay. The arrangement is legally sensitive; a formal sponsorship and guarantee framework must be in place, not just an informal promise.
Why do some sources mention a USD 1 million property alternative?
IMI‑0740.GR.01.01/2022 allows property ownership as an alternative to the cash deposit but does not fix a USD amount. In practice, some immigration offices and agents interpret “luxury residential property” as property worth around USD 1,000,000 or more. Because this figure comes from practice, not explicit regulation, it should always be treated as [VERIFY] and confirmed with the specific immigration office executing your case.