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BNI SMS Banking

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BNI SMS Banking

Making banking transactions can now be done anywhere using your mobile phone. BNI SMS Banking is a banking service facility that makes it easy to refill credit, transfer up to pay BNI Credit Card bills as easily as you send SMS to your friends, family or the people closest to you.

BNI SMS Banking can be accessed with 3 options :

  • Menu application can be downloaded via App Store and Google Play Store.
  • Syntax (can be viewed on "Format" table).
  • USSD *141#.

Benefits and Advantages

  • Inquiry on the last 3 transactions and inquiry on BNI Credit Card and other bills.
  • Flexible PIN change.
  • Can be accessed by various types of mobile/smartphone based on Android, iOS, JAVA, Blackberry, Windows (for SMS type).
  • Options for how to do BNI SMS Banking transactions can be done with :
    • Type syntax
    • BNI SMS Banking Menu
    • USSD *141# Service
  • For SMS Banking Menu application can be downloaded by Android and iOS based smartphones on Play Store and Windows App Store.
  • There are several features of billing payment transactions and electronic money purchases.
  • Changing accounts that want to be used as source of funds.

Safe Way of Having Transaction Via BNI SMS Banking

  • Make sure the mobile number registered on BNI SMS Banking service is your personal mobile number.
  • Contact BNI Call 1500046 or the nearest BNI branch if your mobile phone registered with BNI SMS Banking is lost.
  • Immediately delete your Sent Items after making a transaction.
  • Do not tell your BNI SMS Banking PIN to others including bank officers or family.
  • Avoid to record BNI SMS Banking PIN anywhere.
  • If your transaction does not get a reply from 3346, to avoid double transaction please call BNI Call 1500046 to check.
BNI SMS Banking

There are two easy ways for BNI customers to become BNI SMS Banking Users: via BNI ATM or via BNI Branches.

BNI SMS Banking Registration and Activation Via BNI ATM

  • Register at BNI ATM using BNI debit card, enter to "e-Channel Registration" menu, do the steps :
    • Select "BNI SMS Banking".
    • Enter your mobile phone number.
    • Create BNI SMS Banking PIN (6 digits).*
    • Enter the financial activation OTP Code.
  • After you successfully register and activate at BNI ATM, you will get an activation receipt from BNI ATM and your mobile phone will receive a successful activation SMS from 3346.
  • BNI SMS Banking Service can be used for financial transactions.

* : for SMS Banking PIN, avoid using consecutive numbers and equal numbers.

BNI SMS Banking Registration and Activation Via BNI Branch

  • Come to the nearest BNI branch by bringing :
    • Personal Identity Card (KTP, SIM, Passport).
    • Ownership proof of individual accounts (Taplus and its derivatives and individual Giro) and/or BNI Card.
  • Branch Office officer will help you to carry out registration process and activation of BNI SMS Banking.
BNI SMS Banking
Non-Financial Transaction Feature Description
Information Balance Information Check savings account balance
Transaction Mutation Check the last 3 transactions
DPLK account Check DPLK account balance
BNI Credit Card Check the amount of bill to be paid
Post Paid Telephone
Subscription Internet/ TV
Account List Information on the accounts owned (max. 4)
Setting Change PIN Change SMS Banking PIN
Change Account Change source of SMS Banking transaction account
Financial Transaction Feature Limit Transaction/Day Admin Fee
Transfer Transfer to BNI Account Rp 25 million Free
Inter-Bank Transfer Rp 10 million Rp 6,500.-
Payment Credit Card According to Billing Amount BNI : Free
Other Bank : Rp 7,500.-
Post Paid Telephone Up to Rp 2,500.-
Electricity Rp 3,500.-
Water/PAM and IPL Rp 2,500.- to Rp 3,000.-
Subscription TV/Internet Up to Rp 5,000.-
Ticket Up to Rp 5,000.-
Zakat/Infaq/Qurban Free
State Revenue Rp 3,000.- to Rp 5,000.-
Insurance Free
Personal Loan Rp 7.500,-
Samsat Up to Rp 5.000,-
Installment/Multi Finance Rp 4.000,- to Rp 7.500,-
PGN Free
TKI Free
Purchase Top Up Link Aja    
Mobile phone/Telephone Credit According to Denomination Up to Rp 1.500,-
Electricity Token According to Purchasing Amount Rp 3.500,-
Data Package According to Purchasing Amount Up to Rp 1.500,-
Tap Cash According to Purchasing Amount Free
Top Up Go-Pay Rp 2 million Rp 1.000,-
Top Up Unikqu Rp 1 million Free
Top Up Electronic Money (iSaku) Rp 2 million Rp 1.000,-
Voucher Orange TV According to Purchasing Amount Free
Other Purchase (LPG 3 KG) According to Purchasing Amount Free
Fee SMS Deliver SMS Receive
Non-Finance Finance
*Telkomsel Rp 300,- to Rp 400,- Rp 600,- to Rp 660,- Rp 1.200,- to Rp 1.320,-
*Other Provider Rp 250,- to Rp 400,- Rp 300,- to Rp 650,- Rp 935,- to Rp 1.300,-

*)Desc.: according to provider’s policy.

BNI SMS Banking
Information Balance Information BAL
Transaction Mutation HST
DPLK Account INQ<space>DPLK<space>(NumberRek. DPLK (BNI Simponi))
BNI Credit Card TAG<space>BNI<space>(BNI Credit Card Number)
Post Paid Telephone Kartu Halo TAG<space>HALO<space>(Kartu HALO Mobile phone Number)
Indosat Ooredoo TAG<space>INDOSAT<space>(Indosat Mobile phone Number)
Telkom TAG<space>TELKOM<space>(4 digit Code Area+Phone Number)
XL Xplor TAG<space>PLOR<space>(Xplor Mobile phone Number)
3(Tri) TAG<space><space>(Tri Mobile phone Number)
Smartfren TAG<space>SMARTFREN<space>(Smartfren Mobile phone Number)
Electricity TAG<space>PLN<space>(Customer ID Number)
Subscription Internet/TV Berlangganan Indovision TAG<space>INDOVISION<space>(Customer ID Number)
Transvision TAG<space>TRANSVISION<space>(Customer ID Number)
Telkom TAG<space>TELKOM<space>(Customer ID Number)
Chage PIN PIN<space>(New PIN)<space>(Old PIN)
Change Account GANTI<space>ACCOUNT<space>(Account NumberRek To be used for SMS Banking Transaction)
Transfer Transfer BNI Account TRANSFER<space>(Destination Acc. Number)<space>(Nominal Transfer)
With news TRANSFER<space>(Destination Acc. Number)<space>(Nominal Transfer)<space>#News#
With notification TRANSFER<space>(Destination Acc. Number)<space>(Nominal Transfer))<space>(Receiver’s Phone Number)
Inter-Bank Transfer TRANSFER<space>INTERBANK<space>(BankCode+Destination Account)<space>(Nominal Transfer)<space>##
Payment Credit Card BNI PAY<space>BNI<space>(Credit Card Number)<space>(Payment Amount)
ANZ PAY<space>ANZ<space>(Credit Card Number)<space>(Payment Amount)
BRI PAY<space>BRI<space>(Credit Card Number)<space>(Payment Amount)
Bukopin PAY<space>BUKOPIN<space>(Credit Card Number)<space>(Payment Amount)
Citibank PAY<space>CITIBANK<space>(Credit Card Number)<space>(Payment Amount)
CIMB Niaga PAY<space>NIAGA<space>(Credit Card Number)<space>(Payment Amount)
Danamon PAY<space>DANAMON<space>(Credit Card Number)<space>(Payment Amount)
HSBC PAY<space>HSBC<space>Credit Card Number)<space>(Payment Amount)
Bank Mega PAY<space>MEGA<space>(Credit Card Number)<space>(Payment Amount)
Bank Permata PAY<space>PERMATA<space>(Credit Card Number)<space>(Payment Amount)
Standard Chartered PAY<space>SCB<space>(Credit Card Number)<space>(Payment Amount)
Panin PAY<space>PANIN<space>(Credit Card Number)<space>(Payment Amount)
Post Paid Telephone Telkom PAY<space>TELKOM<space>(4 digit Code Area+Phone Number)
Telkomsel HALO PAY<space>HALO<space>(Kartu HALO Mobile phone Number)
Indosat PAY<space>INDOSAT<space>(Indosat Mobile phone Number)
XL Xlor PAY<space>PLOR<space>(Xplor Mobile phone Number)
Tri (3) PAY<space><space>(Tri Mobile phone Number)
Smartfren PAY<space>SMARTFREN<space>(Smartfren Mobile phone Number)
Electricity PLN Electricity Bill PAY<space>PLN<space>(Customer ID Number)
PLN Non Bill PAY<space>PLNNONTAGLIS<space>(Customer ID Number)
BPJS Employment Wage Receiver PAY<space>BPJSTK<space>PU<space>(Billing Number)<space>(Number of Month)
Non-Wage Receiver PAY<space>BPJSTK<space>BPU<space>(NIK KTP)<space>(Number of Month)
Indonesia Worker PAY<space>BPJSTK<space>TKI<space>(Payment Code)<space>(Number of Month)
BPJS Health PAY<space>BPJSTKES<space><space>(Participant Code)<space>(Number of Month)
Water/PAM and IPL PAY<space>PAM<space>(Name of PDAM or IPL)<space>(Customer Number)
Subscription TV/Internet MNC Vision/Indovision/TopTV/Okevision PAY<space>MNCVISION<space>(Customer Number)
First Media PAY<space>FIRSTMEDIA<space>(Customer Number)
Transvision PAY<space>TRANSVISION<space>(Customer Number)
Internet Telkom PAY<space>TELKOM<space>(Customer Number)
Ticket Garuda Indonesia PAY<space>GARUDA<space>(Payment Code)
Lion Air PAY<space>LION<space>(Payment Code)
Citilink PAY<space>CITILINK<space>(Payment Code)
Zakat/Infaq/Qurban Zakat ZAKAT<space>(Name of Zakat Entity)<space>(Nominal)
Infaq INFAQ<space>(Name of Infaq Entity)<space>(Nominal)
Qurban QURBAN<space>(Name of Qurban Entity)<space>(Nominal)
State Revenue PNBP AHU (Fiduciary) PAY<space>PNBPAHU<space>(Billing Number)
PBB PAY<space>PBB<space>(Object Number)<space>(SPPT Tax Year)
Regional Tax PAY<space>PAJAKDAERAH<space>(Region)<space>(Object Number)
Insurance Jiwasraya PAY<space>JIWASRAYA<space>(Participant Code)
AJB Bumiputera PAY<space>BUMIPUTERA<space>(Payment type)<space>(NumberSPAJ/Policy)
Prudential PAY<space>PRUDENTIAL<space>(Payment type)<space>(NumberSPAJ/Policy)<space>(Nominal)
Personal Loan Citibank PAY<space>KTA<space>CITIBANK<space>(Acc. Number)<space>(Nominal)
DBS/Eks-ANZ PAY<space>KTA<space>ANZ<space>(Acc. Number)<space>(Nominal)
Standard Chartered PAY<space>KTA<space>SCB<space>(Acc. Number)<space>(Nominal)
HSBC PAY<space>KTA<space>HSBC<space>(Acc. Number)<space>(Nominal)
Samsat Jatim PAY<space>SAMSAT<space>(Samsat Code+Payment Code)
Signal PAY<space>SIGNAL<space>(Payment Code)
Installment/Multi Finance NSC Multi Finance PAY<space>NSC<space>(Contract Number)
BNI Multi Finance PAY<space>BNIMF<space>(Contract Number)
Astra Credit Company PAY<space>ACC<space>(Contract Number)
Oto Credit PAY<space>OTO<space>(Contract Number)
Adira Finance PAY<space>ADIRA<space>(Contract Number)
FIF PAY<space>FIF<space>(Contract Number)
Finansia/Kredit Plus PAY<space>KREDITPLUS<space>(Contract Number)
SMS Finance PAY<space>SMS<space>(Contract Number)
UM PTKIN PAY<space>UMPTKIN<space>(SumberSIP)
UTBK LPMT PAY<space>UTBK<space>(Payment Code)<space>(NISN)
KAI KAI PAY<space>KAI<space>(Payment Code)
  RAILINK PAY<space>RAILINK<space>(Payment Code)
PGN PAY<space>PGN<space>(Customer Number)
TKI PAY<space>TKI<space>(Payment Code)
Purchase Mobile phone/Telephone Credit Telkomsel TOP<space>(Number Ponsel)<space>(Nominal)
Indosat Ooredoo TOP<space>(Mobile phone Number)<space>(Nominal)
XL/Axis TOP<space>L<space>(Mobile phone Number)<space>(Nominal)
3 (Tri) TOP<space><space>(Mobile phone Number)<space>(Nominal)
Smartfren TOP<space>FREN<space>(Mobile phone Number)<space>(Nominal)
Mobile phone Number PLN Prepaid Token TOP<space>PLN<space>(ID Pel./Number Meter)<space>(Nominal)
Status Check CEK<space>PLN<space>(ID Pel./Number Meter)<space>(Nominal)
Data Package XL Data TOP<space>(Package Type)<space>(Number Telp)
Indosat Ooredoo TOP<space>(Package Type)<space>(Number Telp)
Telkomsel Internet Credit TOP<space>PULSA<space>INTERNET<space>(Phone Number)<space>(Denominasi)
Tap Cash TOP<space>TAPCASH<space>(Card Number)<space>(Nominal)
Go-Pay Top Up Go-Pay Customer Top Up TOP<space>GOPAY<space>CUSTOMER<space>(Phone Number)<space>(Nominal)
Go-Jek Driver Top Up TOP<space>GOPAY<space>DRIVER<space>(Phone Number)<space>(Nominal)
Go-Pay Merchant Top Up TOP<space>GOPAY<space>MERCHANT<space>(Phone Number)<space>(Nominal)
Top Up Unikqu TOP<space>UNIKQU<space>(Phone Number)<space>(Nominal)
Top Up Electronic Money (iSaku) TOP<space>iSaku<space>(No.Telp)<space>(Nominal)
Other Purchase Pertamina LPG 3KG PAY<space>LPG3KG<space>(Station ID)<space>(Agent ID)<space>(Purchasing Amount)<space>(Delivered Date ddmmyyyy)