bagaimana proses pembayaran bi rtgs yang dilakukan oleh bank indonesia

Indonesian Bank NotesSource:

Bank Indonesia, the central bank of Indonesia, operates the Real Time Gross Settlement (RTGS) system for interbank payments. The RTGS system allows for immediate and final settlement of high-value payments between banks. In this article, we will discuss the process of RTGS payment by Bank Indonesia.

Overview of RTGS Payment

Rtgs PaymentSource:

The RTGS system is a real-time settlement system that enables banks to transfer funds electronically. RTGS is used for high-value transactions that require immediate clearance and settlement. In Indonesia, the minimum amount for RTGS payment is Rp500 million.

RTGS payment is processed on a gross basis, meaning each transaction is settled individually without netting with other settlements. This ensures the immediate and final settlement of the payment. RTGS payment can be initiated both by the sender and the receiver.

Initiating RTGS Payment

Online BankingSource:

RTGS payment can be initiated through various channels, including:

  • Online banking
  • Mobile banking
  • ATM
  • Branch

The sender must provide the following information to initiate an RTGS payment:

  • Beneficiary bank’s name and address
  • Beneficiary’s account number
  • Beneficiary’s name
  • Amount of payment

The sender’s account will be debited with the payment amount, and the payment will be immediately credited to the beneficiary’s account.

Processing RTGS Payment

Bank IndonesiaSource:

Once an RTGS payment is initiated, it will be processed by Bank Indonesia. The processing of RTGS payment involves the following steps:

  1. Validation: The payment details are validated to ensure that all necessary information is provided and is accurate.
  2. Authorization: The payment is authorized based on the sender’s account balance and other criteria set by Bank Indonesia.
  3. Settlement: The payment is settled immediately and finally between the sender’s bank and the beneficiary’s bank.
BACA JUGA   bagaimana cara menjernihkan air secara fisika

Bank Indonesia operates the RTGS system on a 24/7 basis. This ensures that RTGS payment can be processed at any time of the day, including weekends and public holidays.

RTGS Payment Fees

Indonesian RupiahSource:

Bank Indonesia charges fees for processing RTGS payment. The fees are based on the amount of payment and are as follows:

  • Payment amount less than or equal to Rp250 million: Rp5,000
  • Payment amount between Rp250 million and Rp1 billion: Rp15,000
  • Payment amount greater than Rp1 billion: Rp25,000

The fees may vary between banks, and the sender may also be charged additional fees by their own bank.


RTGS payment is an important system for high-value interbank transactions in Indonesia, and Bank Indonesia plays a crucial role in processing RTGS payment. The RTGS system ensures immediate and final settlement of payments, making it a reliable and efficient payment system.

Meta Description

Meta Keywords

Tinggalkan Balasan

Alamat email Anda tidak akan dipublikasikan. Ruas yang wajib ditandai *