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1. Block your card right away using your bank’s app or by calling customer service. 2. Report the loss and request a replacement card at your nearest bank branch (bring your passport/KITAS). 3. Check your account for any suspicious transactions and report them if needed.
BCA and Mandiri are the top choices for expats in Bali thanks to their extensive ATM networks and strong local support. Permata is popular for its English-friendly service and easy-to-use digital banking, while CIMB Niaga stands out for its international banking network, multi-currency accounts, and smooth overseas transfers. Bank Mega is also a good option, especially for those who value credit card perks.
The key difference lies in how transactions are verified: - CIMB Niaga provides a soft token — approvals are done directly via the mobile app. - Permata and Bank Mega use a hard token — a physical device required for certain transactions. This makes CIMB Niaga generally more convenient for foreigners who prefer mobile-based banking.
You can start the process remotely, but you must be physically present in Indonesia to complete the account opening. Our service helps you prepare all documents in advance and get pre-approval, so once you arrive, you only need to visit the bank briefly to sign the papers.