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.
Indonesia second home visa for digital nomads is a long-stay residence permit (5–10 years) that lets foreign nationals live in Indonesia, but *without* local work rights. If you are a remote worker or digital nomad considering Indonesia as a base, this visa is about legal long-term stay and stability, not about legally working for Indonesian clients.
What the Indonesia Second Home Visa Actually Is
The Second Home Visa is a long-stay residence option created under:
– **Immigration**: Peraturan Menteri Hukum dan HAM (Permenkumham) No. 22 Tahun 2023 (which replaced Permenkumham 18/2022)
– **Tax Residency**: UU HPP (Law No. 7/2021) and implementing regulations
Key design points, based on the latest regulations and circulars:
– It is a **5-year or 10-year stay permit** (Izin Tinggal Terbatas / ITAS → Izin Tinggal Tetap-style stability).
– As of **June 2026**, it still requires proof of **IDR 2,000,000,000** assets or property ownership in Indonesia. **[VERIFY current threshold before applying]**.
– It is targeted at **wealthy foreigners**: retirees, long-stay families, property owners, and higher-income remote workers.
– It is **not** a work visa: **no right to take employment or run a business in Indonesia**.
The Second Home Visa is managed by **Ditjen Imigrasi (Directorate General of Immigration)** and is separate from:
– Investor KITAS (C313/C314)
– Retirement Visa (C319)
– Golden Visa (Permenkumham 22/2023, separate category)
– Standard work KITAS (e.g. RPTKA-based)
Core Facts: Deposit, Duration, Proof and Purpose
Definition-first, here are the atomic facts for digital nomads and remote workers.
- Visa type
- Second Home Visa (residence permit based on wealth/property, not employment)
- Legal basis
- Permenkumham No. 22 Tahun 2023 and related circulars (Immigration)
- Stay duration options
- 5 years or 10 years (single sponsor → your own finances)
- Financial requirement
- IDR 2,000,000,000 proof of funds or qualifying property (threshold last seen in official circulars; status as of June 2026 – [VERIFY before committing])
- Proof format
- Indonesian bank account balance or land/house ownership certificate (Sertipikat Hak Milik / HGB in your name)
- Work rights in Indonesia
- None. No local employment, no operating a business that requires an Indonesian business license.
- Remote work for foreign clients
- Practically tolerated if no Indonesian-sourced income and no local employment contract, but not explicitly written as “digital nomad” in regulations.
- Tax residency
- Stay ≥183 days in any 12-month period → you are normally Indonesian tax resident under UU HPP, with some transitional incentives for new residents. Seek a licensed tax advisor.
- Intended users
- High-net-worth individuals, retirees, long-stay families, property owners, and remote workers who can meet the asset threshold.
- Application channel
- Online via the Immigration e-visa system; execution commonly through licensed agents/lawyers.
All numbers and rules here are drawn from current regulations and official circulars as of **June 2026**, plus interpretive practice from licensed partners. Policies move; always reconfirm directly with Immigration or a qualified professional before you wire funds.
Does the Second Home Visa Suit Digital Nomads?
For digital nomads, the Second Home Visa is mostly about **stability and fewer visa runs**, not about special “digital nomad privileges”.
Who it tends to fit
The Second Home Visa can be a realistic option for you as a:
– **Remote employee** of a foreign company, paid abroad.
– **Freelancer / consultant** invoicing non-Indonesian clients.
– **Online business owner** whose customers and corporate entity are outside Indonesia.
…IF you can satisfy:
1. **Wealth threshold**
You can show **IDR 2bn** (~currency equivalent) in an Indonesian bank account or approved property ownership.
This is a policy tool: Indonesia wants long-stay residents who bring in capital, not people scraping by.
2. **No local work or active business in Indonesia**
You are okay **not**:
– Signing Indonesian employment contracts.
– Being on an Indonesian payroll.
– Running a restaurant, café, dive shop, co-working space, tour company, yoga studio etc. without the proper corporate and work permits.
3. **You want 5–10 years of predictable stay**
Compared with hopping between **visa on arrival (VOA)**, **e-VOA**, or short social/cultural visas, a Second Home Visa is “set and forget” on the **immigration** side.
Who it usually does not fit
The Second Home Visa is usually a **poor fit** if you:
– Cannot comfortably lock in or show **IDR 2bn** in assets.
– Want to **work in an Indonesian company**, teach in a school, or be on local payroll.
– Intend to **own and actively manage** a PT PMA business, with staff and office.
– Only want to stay **a few months per year** and don’t care about long-stay status.
In those cases, you should compare:
– **Investor KITAS**
– **Work KITAS**
– **Visitor / business visas**
– Or even **Golden Visa** if your investment profile is higher.
Deposit, Bank Proof and Property Option
Agents often phrase this as a “deposit you can’t touch”. The reality is more technical.
The IDR 2bn requirement (and why it exists)
The Second Home scheme is built around a **wealth floor**, set in circular letters and reflected in Permenkumham 22/2023:
– As of **June 2026**, the threshold referenced in practice and past circulars is:
– **IDR 2,000,000,000** in an Indonesian bank account, or
– Ownership of qualifying **land/house** in Indonesia (with a proper certificate in your name).
This **may be revised** in future circulars. Immigration has left itself room to tweak, so you **must [VERIFY]** the exact figure and acceptable forms of proof at time of application.
Is it a frozen “deposit”?
Regulations focus on **proof of funds** and **ongoing eligibility**, not a textbook fixed-term deposit product.
In practice:
– You usually present **bank statements / balance letters** showing you meet the threshold.
– Some local Immigration offices and banks **treat it like a de-facto deposit** and expect the funds to remain available.
– If you drop below the threshold and this is discovered, Immigration can question your continued eligibility.
Key point:
Treat this money as **strategic reserves**, not rent money. If you cannot afford to keep that level of assets visible and stable, the Second Home Visa may be too tight a fit.
Using property instead of cash
Regulations allow **property ownership** as an alternative:
– Typically a **Hak Pakai** or other permitted right for foreigners, with:
– Valid land/house certificate (in your individual name).
– Meeting value or type criteria per the latest circular.
Because Indonesian land law is complex (and varies by region), you should speak with:
– A **notaris/PPAT** and
– A **licensed immigration consultant**
…to confirm that your specific property qualifies for Second Home proof.
Application Flow for Digital Nomads
You can file online, but many remote workers use agents because the process touches immigration, banking, and sometimes property.
Basic eligibility checklist
At a high level, you need:
– A **valid passport** (typically ≥ 36 months validity recommended for a 5-year grant).
– **Proof of funds** or **property** as above.
– Clean **criminal record** per Indonesian standards (self-declared; in higher scrutiny cases, supporting documents may be requested).
– Basic civil documents (photo, biodata, etc.).
Step-by-step overview
Details shift over time; this is the backbone as applied in 2024–2026:
1. **Prepare your documents**
– Passport scan.
– Bank reference / statements (or property certificates).
– Passport-style photos.
– Any additional documents listed on the Immigration e-visa portal at time of application.
2. **Online application**
– Submit through the official **Immigration e-visa system**.
– Pay the **visa fee** online.
Fees are periodically adjusted by regulation; as of **June 2026**, expect them in the upper range compared with standard ITAS categories. **[Check the latest PP/PNBP table before paying].**
3. **E-visa issuance**
– If approved, you receive an **e-visa** by email.
– No embassy visit is typically required; you can enter directly with the e-visa.
4. **Entry to Indonesia**
– Fly into Indonesia using the **Second Home e-visa**.
– At arrival, Immigration will **activate** your stay permit.
5. **Conversion to plastic ITAS card / digital proof**
– Some regions issue physical cards; many are now moving to **digital stay-permit records** only.
– Ensure your address and contact information are correctly recorded.
Processing time can vary:
– Straightforward files: sometimes **1–4 weeks** from complete submission.
– Files with incomplete documentation or local clarifications: **longer**.
There is **no guaranteed processing time** and **no guarantee of approval**. Immigration retains discretion.
If you want help structuring your application, our vetted partners can sanity-check your eligibility and document set. You can start that process via plan your trip — we coordinate a WhatsApp call so you can ask detailed questions before you spend on fees. 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.
Work Limits: What You Can and Cannot Do
This is the area most digital nomads are confused about, because marketing pages often gloss over it.
No Indonesian employment
Under immigration law:
– Second Home status is **not a work permit**.
– You **cannot**:
– Take a job in an Indonesian company.
– Be listed as staff on a local payroll.
– Teach or coach in-person on a paid basis for Indonesian entities, unless covered by a proper work KITAS.
Doing so without the right visa can expose you to:
– Fines
– Deportation
– Blacklisting
Remote work for foreign employers or clients
The regulations do **not** use the word “digital nomad”. Instead, they focus on:
– Source of income.
– Purpose of stay.
In practice, Immigration has **tolerated** Second Home holders who:
– Work online for:
– Employers **outside Indonesia**, or
– Clients **outside Indonesia**.
– Are paid into **foreign bank accounts**.
– Do not sign Indonesian employment contracts.
– Do not run unlicensed onshore businesses.
This grey area is common worldwide. The **safest approach** is:
– Treat your Second Home Visa as **permission to reside**, not formal permission to “do business” in Indonesia.
– Keep your **contracts and tax structures** aligned with this idea.
– If you want to employ staff in Indonesia, rent office space long-term, or market actively to Indonesian clients, you are drifting into **Investor KITAS / PT PMA** territory instead.
Can you earn Indonesian-sourced income online?
This is where immigration and tax start to overlap.
– If the **economic activity and customers are clearly outside Indonesia**, the risk is lower.
– If your customers are **in Indonesia**, you host events or sell services **onshore**, you should assume:
– Immigration may treat it as local work.
– Tax authorities may view it as **Indonesian-sourced income**.
For any business model that touches Indonesian customers, talk to:
– A **licensed tax consultant (Konsultan Pajak)** and
– An **immigration lawyer**
before you scale it from within Indonesia.
Tax: Becoming a Resident and What That Means
Living in Indonesia 5–10 years has tax consequences. This visa does not grant tax exemptions by default.
Tax residency basics
Under UU HPP and its implementing rules, you are generally an **Indonesian tax resident** if:
– You stay in Indonesia for **183 days or more** in any period of 12 months, or
– You reside in Indonesia and intend to live here.
For typical Second Home users, you will almost always cross that 183-day threshold.
Tax resident usually means:
– Tax on **worldwide income**, subject to:
– **Double Tax Treaties (DTTs)**.
– Transitional incentives for **new foreign taxpayers** that Indonesia has introduced in recent years (these have specific conditions, sectors, and timelines).
Details of those incentives change; you must confirm with a professional. Rates and scope are defined in tax law, not immigration regulations.
Digital nomads and cross-border structures
The main tax questions we see for Second Home holders:
– Where is your **company or freelance entity** incorporated?
– Where is your work **effectively managed**?
– Where are your **clients** located?
– Where do you **physically perform** the work?
Indonesian tax law is moving towards the global norm of looking at:
– **Effective place of management**.
– **Substance over form.**
If you are:
– Living most of the year in Bali or Jakarta.
– Running your global business from there.
– Making key decisions there.
…then even if your company is registered abroad, Indonesia may have a tax claim.
Second Home Indonesia is **not** a tax advisory firm; we can only highlight the issues. For real planning, we recommend:
– Speaking with a **Kantor Jasa Akuntansi** or licensed tax consultant who understands both Indonesian and international rules.
– Getting written advice before your first full year as a tax resident.
How the Second Home Visa Compares for Digital Nomads
Here is a simplified comparison against other long-stay options remote workers consider.
| Option | Stay Length | Asset / Income Requirement | Work Rights in Indonesia | Best For |
|---|---|---|---|---|
| Second Home Visa | 5 or 10 years | IDR 2bn proof of funds or qualifying property [VERIFY June 2026] | No local work, remote foreign work tolerated in practice | Wealthy digital nomads, retirees, families wanting stability |
| Retirement Visa (C319) | 1 year, renewable, with path to longer stay | Age ≥ 55, foreign pension/income, accommodation contract, insurance, etc. | No employment; designed for retirees, not remote work | Older long-stayers with modest but stable income |
| Investor KITAS (C313/C314) | 1–2 years at a time, renewable | Shareholding in a PT PMA, capital investment per sector rules | Passive investor director roles; active operational work still regulated | Founders building a real Indonesian business |
| Golden Visa | 5 or 10 years | Significantly higher investment thresholds than Second Home | Some streamlined facilitation; still not a blanket “work-anywhere” permit | High-net-worth individuals seeking residency plus investment play |
| Short VOAs / Tourist | 30–60 days typically | Low; just travel funds and ticket | No work; technically tourism/business meetings only | Short-term nomads testing Indonesia |
If you are a **digital nomad second home visa Indonesia** candidate, your choice is usually between:
– **Second Home Visa** if:
– You meet the IDR 2bn proof.
– You want multi-year stay with minimal renewals.
– You wish to keep your work foreign-based.
– **Investor KITAS** if:
– You actively build a local business.
– You hire staff and operate onshore.
– **Retirement Visa** if:
– You’re 55+ and trying to maximise flexibility without locking IDR 2bn.
For a longer overview of how Second Home stacks up against Golden Visa, retirement and Investor KITAS, see our main pillar guide on the Indonesian Second Home Visa (linked from our homepage).
Practical Lifestyle Considerations for Nomads
Paperwork is only half the story. Day-to-day life matters.
Bali and other hubs
Most digital nomads eye:
– **Bali** (Canggu, Ubud, Uluwatu, Sanur, Pererenan)
– **Jakarta** (for corporate access)
– **Bandung / Yogyakarta / Surabaya** (growing tech and creative scenes)
– Emerging destinations like **Lombok** and parts of East Indonesia.
Second Home status doesn’t lock you to a province. You can move around Indonesia, rent villas or apartments, join co-working spaces, and generally live as a long-term resident.
Family and dependants
Regulations allow **dependant stay permits** for spouses and children linked to the main Second Home holder, under specific conditions.
– Your partner and kids can generally stay with you.
– They **also do not get automatic work rights**.
– Schooling, insurance, and local registration have their own rules.
If you plan to move as a family, factor:
– International or national-plus school fees.
– Private health insurance (strongly recommended).
– The fact that dependants cannot work locally under this status.
Cost of living versus wealth requirement
The IDR 2bn threshold is **not** a realistic monthly budget indicator:
– In Bali, many long-stay foreigners live comfortably at:
– **IDR 15–35 million/month** (single, mid-range lifestyle).
– Families can spend significantly more, especially with international schools.
The government set the 2bn figure to ensure **financial resilience**, not to suggest you must spend that much. You are free to budget frugally; Immigration just wants confidence that you are not at risk of destitution.
How We Work and How to Get Help
Second Home Visa Indonesia is an independent information resource:
– We read **laws, regulations, and circular letters** (PP, Permenkumham, SE) and talk with licensed practitioners.
– We publish in **plain-English and plain-Bahasa** where useful.
– **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.**
We do **not** accept every applicant. Our partners will often tell you **“this visa is not the right fit”** if:
– Your finances are borderline for the Second Home category.
– Your actual goal is to work locally.
– Another visa type clearly aligns better with your plans.
If you want a structured eligibility review for the **remote worker second home visa** path — deposit proof, tax risk, family, and realistic timelines — you can start via plan your trip. We or our vetted partners will usually follow up via WhatsApp so you can ask the uncomfortable questions before committing money to any application.
FAQs: Indonesia Second Home Visa for Digital Nomads
Can I work online on the Second Home Visa?
You cannot take a job in an Indonesian company or run an unlicensed onshore business. Many holders quietly work online for foreign employers or clients and are paid abroad; Immigration has tolerated this in practice as long as there is no Indonesian contract or obvious local business activity. It is still a grey area, and you should get personalised tax and legal advice.
Is the IDR 2bn deposit for the Second Home Visa refundable?
Immigration regulations talk about proof of funds, not a specific banking product or “non-refundable” clause. You are not paying that money to the government; it remains your asset. However, if your balance or qualifying property falls below the threshold and this comes to light, your eligibility for the visa can be questioned. Treat it as capital you should not plan to spend down. Always verify the latest threshold before applying.
Can I switch from a Second Home Visa to a work or investor KITAS later?
Yes, category changes are possible under Indonesian immigration law, but they require a new process, approvals, and often leaving and re-entering the country. There is no automatic upgrade from Second Home to work status. If your medium-term goal is to build an Indonesian business, you should compare Investor KITAS first instead of assuming you can “convert later”.
Do Second Home Visa holders pay tax in Indonesia?
If you spend 183 days or more in Indonesia within 12 months, you are generally considered an Indonesian tax resident, regardless of your visa type. That usually means worldwide income tax, subject to treaties and specific incentives for new residents. The Second Home Visa itself does not grant blanket tax exemptions. Speak with a qualified Indonesian tax advisor before committing to long-term residence.
Is the Indonesia Second Home Visa the best option for digital nomads?
It can be an excellent option for higher-asset digital nomads who want 5–10 years of stable stay and are comfortable not working locally. For others, short-stay visas, retirement visa or Investor KITAS may fit better. The “best” option depends on your assets, business model, family situation, and how much time you will actually spend in Indonesia each year.