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.
Withdrawing second home visa deposit Indonesia means asking immigration and the appointed Indonesian bank to send your IDR 2,000,000,000 guarantee back to you, normally after your stay ends or your permit is cancelled. It is not an ATM-style withdrawal; it is a formal process tied to your Second Home ITAS/ITAP status and subject to immigration clearance.
Quick definition: what the Second Home deposit actually is
The Second Home Visa and Second Home ITAS/ITAP are created under **PP 48/2021** and implemented via the **Directorate General of Immigration Circular IMI-0740.GR.01.01/2022**.
The “deposit” is:
– A **financial proof** of at least **IDR 2,000,000,000** (two billion rupiah) or ownership of luxury property, required for certain Second Home applicants.
– Typically held via a **time-deposit or blocked balance** at a **state-owned bank** in Indonesia, in the applicant’s name.
– A **condition for issuance and extension** of the Second Home limited stay permit (ITAS) or permanent stay permit (ITAP).
The Circular and its follow‑on guidance describe the proof and placement of funds; they do **not** (as of June 2026) lay out a detailed, public, step‑by‑step withdrawal procedure. What follows is stitched from:
– The text of **PP 48/2021**
– **IMI-0740.GR.01.01/2022** and clarifications from the Directorate General of Immigration
– Bank practice for blocked deposits linked to immigration permits
Where the regulation is silent and we rely on practice or bank policy, you will see **[PRACTICE]**. Where something must be double‑checked in your specific case, you will see **[VERIFY]**.
Key facts about the Second Home deposit
- Regulatory base
- PP 48/2021 (implementation of immigration services) + Circular DGI No. IMI-0740.GR.01.01/2022 on Second Home
- Deposit amount
- IDR 2,000,000,000 (two billion rupiah) minimum financial proof; figure active and publicly quoted since late 2022, last confirmed in government communications [VERIFY June 2026]
- Who must show it
- Foreigners applying under the “funds in Indonesian bank” path; alternative is qualifying luxury property ownership as per Circular
- Where funds sit
- In an account under applicant’s name at a state‑owned Indonesian bank designated for Second Home placements [PRACTICE]
- Who controls it
- Legally: you own the funds. Practically: subject to blocking instructions tied to your immigration status, set by the bank following DGI guidance [PRACTICE]
- When withdrawal is normally allowed
- After your Second Home ITAS/ITAP expires and is not extended, or after formal cancellation/transfer of status is approved by immigration and confirmed to the bank [PRACTICE, VERIFY with your bank]
- Tax coverage
- Deposit is not itself a tax payment. Tax residency and obligations follow Indonesia’s income tax law (183‑day rule, center of vital interests), not the deposit size
- Work rights
- Second Home holders have no work rights in Indonesia under PP 48/2021 and the Circular; any paid employment or business management needs a separate basis
For a full framework on eligibility, durations and work limits, see our pillar guide on the Second Home Visa and ITAS/ITAP.
Can you withdraw the Second Home Visa deposit?
You **can**, but timing and process are important.
The DGI Circular focuses on **placement** of the funds; it says less about **withdrawal**. In practice, three scenarios matter:
1. Withdrawal after your Second Home stay ends
Most straightforward case:
1. Your Second Home ITAS/ITAP reaches the end of its granted period.
2. You do **not** extend it.
3. You depart Indonesia or switch to a different immigration status that does not require this deposit.
In this scenario:
– Immigration records your status as finished.
– The bank, after seeing the expiry and/or receiving clearance, can **unblock and release** your funds back to you, typically via:
– Transfer to another Indonesian account in your name, or
– Outward remittance to an overseas account (standard FX rules and costs apply).
Because there is no single public SOP document, the exact sequence will follow **your bank’s internal compliance rules** and local immigration practice in the city where your account sits. Expect written requests and identity checks **[PRACTICE]**.
2. Withdrawal if you cancel early
If you decide to **cancel** your Second Home stay before expiry:
– You would file for **cancellation** of your ITAS/ITAP at the local immigration office (Kantor Imigrasi) that administers your permit.
– Once cancellation is granted and any required exit permit handled, immigration can notify relevant systems that your Second Home status ended.
– The bank may then rely on:
– Your written withdrawal request, and
– Evidence of immigration cancellation, to unblock the deposit **[PRACTICE]**.
Risk to avoid: withdrawing or trying to move the funds before status change. If immigration checks and finds that the required amount is no longer in place **during** the life of your Second Home ITAS/ITAP, they can:
– Refuse extension or conversion, and/or
– Move toward cancellation under PP 48/2021 grounds for non‑fulfilment of permit conditions.
3. Withdrawal if you switch to another permit type
If you transition from Second Home to, say, a work‑based ITAS or another residency category that does **not** require the deposit:
– Immigration will process a **change of status** or new permit application.
– After the new permit is active and Second Home status is formally closed, you can request the bank to remove the block and release your funds **[PRACTICE]**.
This is the type of case where working with an immigration specialist is useful; the sequence of “new permit active → Second Home closed → bank unblocks” needs to be clean.
If you want tailored support rather than just information, you can plan your trip with one of our vetted partners over email or WhatsApp. We stay independent; no one can pay to change what we publish, but if you proceed with our partner they may pay us a referral fee at no extra cost to you.
Second Home Visa deposit withdrawal vs simple proof of funds
Some readers mix up:
– **Proof of funds** shown just to get a visa, vs
– **Ongoing blocked deposit** linked to your stay permit
For Second Home, the Circular and subsequent practice lean toward **funds actually placed and held** in Indonesia, not just a screenshot from abroad.
Here’s how that differs from a “regular” proof‑of‑funds scenario:
| Aspect | Second Home deposit | Simple visa proof of funds |
|---|---|---|
| Regulatory anchor | PP 48/2021 + IMI-0740.GR.01.01/2022 (Second Home scheme) | General visa rules (various regulations) without deposit mechanism |
| Typical amount | IDR 2,000,000,000 minimum [VERIFY June 2026] | Varies widely; often just enough to show travel/maintenance ability |
| Where money sits | Indonesian bank, often blocked/time‑deposit under your name [PRACTICE] | Anywhere; often just an overseas bank statement |
| Access during stay | Restricted – full withdrawal generally aligned with end of status [PRACTICE] | Free – funds are yours with no regulatory block |
| Withdrawal process | Formal: request to bank, often with immigration clearance | No special process; it was never blocked |
| Effect on permit | Insufficient deposit during stay can endanger permit continuation | Balance after issuance usually not monitored |
Can you move the Second Home Visa deposit to another bank?
This is the core of the “move second home visa deposit bank” question.
The Circular specifies **using a designated bank** for the financial proof. It does not explicitly describe **inter‑bank moves while your Second Home permit is active**.
Based on current practice:
– Moving the blocked deposit from one **branch of the same bank**: usually possible through internal transfer with continuity of the block, subject to that bank’s policy **[PRACTICE]**.
– Moving the blocked deposit to a **different bank** during your Second Home status:
– Some immigration offices have allowed it where:
– The new bank is also designated for Second Home deposits, and
– The new bank issues a compliant placement statement before or simultaneous with the old bank releasing the block.
– Other offices are more conservative and may advise against shifting during the active permit **[PRACTICE, LOCAL VARIATION].**
Risks in shifting mid‑permit:
1. A timing gap where neither bank shows the full required IDR 2,000,000,000.
2. Documentary mismatch (amount, wording, or date) that can raise questions at extension time.
If you must move the deposit bank while your permit is live, treat it as a three‑party coordination task:
– **Existing bank** – to schedule release.
– **New bank** – to pre‑approve the new blocked placement.
– **Local immigration office** – to confirm what documentation they accept and whether they want to be copied on the switch.
Do this only with written confirmation from all sides **[VERIFY case‑by‑case].**
What actually happens inside the bank during deposit withdrawal?
Banks don’t all publish their Second Home internal procedures, but across state‑owned banks the process typically follows this **[PRACTICE]**:
1. **You submit a written request**
– Identification (passport, NPWP if you have one).
– Details of your Second Home permit (copy of e‑ITAS/ITAP, expiry, any cancellation letter).
– Transfer instructions (domestic account or foreign account, currency).
2. **Bank checks immigration‑linked flags**
– Confirms the account is tied to a Second Home placement.
– Checks if there are active blocking instructions with a time limit or “until further notice.”
3. **Bank may request confirmation**
– Some branches seek confirmation from internal head office units that liaise with immigration.
– In complex cases (e.g., apparent early withdrawal), they may ask you to provide an immigration letter confirming status change.
4. **Block is lifted, then funds moved**
– Once the block is lifted, funds become a normal balance.
– You can then withdraw or transfer, subject to standard banking, FX and anti‑money‑laundering checks.
Because this part is governed by **bank policy + general banking regulations**, not by PP 48/2021, the exact mechanics vary. Do not assume one bank’s practice applies to all.
Tax angles: does withdrawing the deposit trigger Indonesian tax?
What the immigration rules say:
– PP 48/2021 and Circular IMI-0740.GR.01.01/2022 do **not** define the deposit as a tax or fee.
– The deposit is a **financial requirement**, separate from visa and stay permit charges.
What Indonesia’s tax law says (summarised, public‑domain understanding):
– **Tax residency**: typically triggered if you:
– Stay in Indonesia more than **183 days in any 12‑month period**, or
– Have Indonesia as your center of vital interests.
– **Object of income tax**: income (worldwide for tax residents, Indonesian‑sourced for non‑residents), not the mere movement of capital.
Implications for the deposit:
– **Placing** IDR 2,000,000,000 into Indonesia is a capital movement.
– **Interest** earned on that deposit, if any, is income. Indonesian bank interest is generally subject to final withholding tax at the bank level.
– **Withdrawing** or repatriating the principal (the 2bn itself) is usually not a taxable “income” event in Indonesia, as you are just moving your own capital back.
However:
– Your broader situation (length of stay, other Indonesian‑sourced income, use of Indonesian tax facilities) can create or change a **tax residency** status.
– Some Second Home holders also consider using Indonesia’s relatively new **expat tax reforms** or non‑ordinarily resident schemes; those sit outside the Second Home regulation.
For anything beyond the narrow “is the withdrawal itself taxed” question, you should speak with a licensed Indonesian tax adviser. We can connect you to one; again, no one can pay to change what we publish, but if you proceed with our partner they may pay us a referral fee at no extra cost to you.
Important limits: no work rights, even with a big deposit
The size of the deposit – IDR 2,000,000,000 – often tempts people to assume the Second Home scheme is an “investor” or “business owner” pathway. Under **PP 48/2021** and the Second Home Circular, it is not.
Key points:
– Second Home ITAS/ITAP is oriented to **long‑stay residency**, not employment.
– It does **not** grant:
– The right to be employed by an Indonesian company.
– The right to be a director/commissioner with work functions requiring a separate work permit.
– The right to run a local business in a way that counts as “working” under Indonesia’s manpower and immigration rules.
– Remote work for foreign clients from your laptop sits in a grey practical area; the regulation is silent, and enforcement focuses on local labour market impacts. This is a risk call, not a legal green light.
The deposit’s only clear function in the regulation is as **financial proof** and a **condition** of stay. It does not buy work rights, tax exemptions, or a shortcut to citizenship.
Practical checklist before you try to withdraw or move the deposit
Use this as a structured sanity check **[GENERAL INFORMATION, NOT ADVICE]**:
1. **Status check**
– Is your Second Home ITAS/ITAP:
– Active with time left?
– Within an extension window?
– Cancelled or expired?
– Retrieve your latest e‑ITAS/ITAP and any cancellation or change‑of‑status letter.
2. **Bank documentation**
– Get the latest statement or certificate showing:
– Account holder (must be you).
– Current balance.
– Any wording tying the account to immigration / Second Home.
3. **Goal clarity**
– Do you want:
– Full withdrawal and closure?
– Partial use of funds while maintaining the required minimum?
– A move to another bank?
4. **Sequence planning**
– If you want to **end** your Second Home:
– Align immigration cancellation/expiry first, then deposit withdrawal.
– If you want to **switch banks**:
– Pre‑clear with immigration and both banks to avoid any “gap” in the 2bn requirement.
5. **Tax and FX awareness**
– Ask your bank:
– FX spread and outward remittance fees.
– Any reporting thresholds.
– Ask a tax professional:
– Whether you counted as a tax resident in Indonesia.
– How interest and any gains should be reported.
If you prefer to walk this through with a specialist familiar with both immigration and banking practice, you can plan your trip and request WhatsApp‑based support from our network.
Our independence and what may change next
Second Home is still a relatively **young scheme** in Indonesia’s immigration framework. Two things follow:
– Practice on deposits – including withdrawal and bank switching – is still maturing and occasionally **differs by city and bank branch**.
– The core **IDR 2,000,000,000** figure has held steady from late 2022 through **June 2026 [VERIFY]**, but can, in principle, be adjusted by regulation or updated Circular.
Second Home Visa Indonesia is not a law firm and does not file your application. Our role is to read the regulations – PP 48/2021, IMI-0740.GR.01.01/2022, and related guidance – and translate them into plain English and Bahasa Indonesia. We work with vetted immigration and tax partners to execute; no one can pay to change what we publish, but if you proceed with our partner they may pay us a referral fee at no extra cost to you.
For the latest operational details for your specific case, pair what you read here with:
– Direct checks with your **local Kantor Imigrasi**, and
– Written confirmation from your **Indonesian bank**.
FAQs on withdrawing and moving the Second Home deposit
Can I withdraw my Second Home deposit while my ITAS/ITAP is still valid?
In practice you should not fully withdraw below the required IDR 2,000,000,000 while your Second Home status is active, as the deposit is a condition of stay. Early withdrawal without a status change risks problems at extension or even cancellation. Partial use above the 2bn floor may be possible depending on how your bank structured the block, but always confirm in writing with the bank and understand the immigration risk.
How long does Second Home visa deposit withdrawal usually take?
There is no regulated fixed timeframe. Based on current practice, once your status is clearly ended and your paperwork is complete, banks can often release within a few working days to a couple of weeks, depending on internal approvals and any foreign transfer. Treat any timeline as an estimate, not a guarantee.
Can I move my Second Home deposit to another bank without cancelling my permit?
Sometimes, but it is not automatic. Some immigration offices and banks support a controlled switch between designated banks with no gap in the required amount; others discourage it. To avoid jeopardising your permit, only attempt a bank switch with written coordination between both banks and, ideally, confirmation from your local immigration office.
Will I pay Indonesian tax when I take the deposit money back overseas?
The principal deposit itself is capital, not income, so simply repatriating it is generally not treated as taxable income in Indonesia. Interest earned on the deposit is usually subject to Indonesian withholding tax at the bank. Your overall tax position depends on your residency status and other income, so a local tax adviser should review the full picture.
Does the Second Home deposit let me work or run a business in Indonesia?
No. The deposit size does not create any work rights. Second Home status, as structured under PP 48/2021 and the implementing Circular, is for residence only and does not replace the need for a proper work permit and compatible stay permit if you want to be employed or manage a business in Indonesia.