Expanding to Bali? 7 compliant ways to send international business payments in 2025

Bali, Indonesia, has become a magnet for global entrepreneurs, property investors, and companies in tourism, hospitality, and trade. Whether you are securing land for a resort, paying suppliers for imported goods, or settling service contracts, international business payments to Bali require legal compliance, efficient execution, and trustworthy partners. In 2025, banking regulations and currency control remain strict, making it essential to choose the right payment channels.

Here are seven proven, regulation-compliant ways to transfer funds to Bali — each designed to protect your capital, avoid unnecessary delays, and ensure that your transactions meet both Indonesian and international standards.

Explore our full range of global services

1. SWIFT transfers through optimized banking networks

SWIFT remains one of the most recognized ways to send large-scale payments internationally. For Bali, using a correspondent banking route that has experience in Indonesian compliance can significantly reduce delays and clearance issues. In regulated sectors like property acquisition or corporate service agreements, documentation must align with Bank Indonesia’s currency control requirements. Partnering with experienced intermediaries helps ensure that each transfer is correctly coded, documented, and cleared.

2. Multi-currency business accounts

Operating a multi-currency account allows you to send funds in USD, EUR, IDR, or other major currencies without repetitive conversions. This approach is ideal for businesses negotiating contracts with Indonesian suppliers, as it allows more flexibility in payment terms and reduces foreign exchange risk. A well-structured account setup can also simplify tax reporting and make cash flow planning more predictable when working with Bali-based partners.

3. Licensed payment processors for faster settlements

When speed is critical — for example, securing a land plot before a competitor or paying for urgent shipments — licensed non-bank payment processors can provide same-day or next-day settlement. These providers operate under financial supervision, ensuring that transfers remain legal and traceable. They are particularly valuable for repeat transactions such as monthly service retainers or recurring supplier payments.

4. Escrow services for property and high-value deals

For real estate acquisitions, construction projects, or bulk purchases, escrow accounts offer strong protection for both buyer and seller. Funds are held by a neutral, licensed party until contract conditions are fulfilled. In Bali’s property sector, this helps mitigate risks from title disputes, regulatory checks, or last-minute contract amendments. Escrow services are recognized within Indonesia’s legal system, providing additional credibility to cross-border transactions.

5. Trade finance solutions for import/export

If your Bali-based business imports materials or exports goods, trade finance solutions like letters of credit or documentary collections can protect both sides. These tools guarantee payment once agreed shipping and quality terms are met, reducing disputes and strengthening supplier relationships. They also make it easier to work with partners in markets where direct trust may take time to establish.

6. Alternative payment rails beyond SWIFT

In cases where SWIFT is slow or subject to limitations, alternative licensed payment channels can be a game-changer. These systems are often used for transfers between countries with strong trade ties to Indonesia, allowing funds to clear faster while remaining compliant. This route is especially effective for companies balancing multiple payment destinations or operating in regions with banking restrictions.

7. Crypto-to-fiat conversion under legal oversight

For businesses holding digital assets, converting cryptocurrency to Indonesian Rupiah (IDR) through licensed operators can be a practical strategy. Under the proper legal framework, this method offers liquidity and transactional flexibility while ensuring compliance with anti-money laundering (AML) regulations. It’s particularly attractive for global tech companies and investors diversifying their asset transfer methods.

Key documentation and compliance steps for Bali payments

• Invoices and contracts: Ensure that every payment is linked to a clear contractual agreement to satisfy regulatory checks.
• Purpose codes: Assign the correct code for your transaction type — property purchase, goods import, service payment, etc.
• Currency choice: Decide whether to settle in IDR or a foreign currency, considering conversion rates and partner preferences.
• Regulatory proof: Maintain evidence of legal origin of funds to meet Bank Indonesia’s compliance rules.

Common mistakes to avoid

• Relying solely on unverified local intermediaries without proper licensing.
• Sending payments without confirming beneficiary account eligibility for foreign transfers.
• Ignoring time zone and banking cut-off times, leading to delays.
• Failing to factor in correspondent bank fees and exchange rate margins.

Why choose VelesClub Int. and UNIBROKER for your Bali transactions

At VelesClub Int., together with our trusted partner UNIBROKER, we deliver an integrated payment solution designed for the Bali market. Our approach combines global reach with in-depth knowledge of Indonesian compliance, ensuring that every transaction is structured, secure, and efficient. With us, you gain:

• Access to both SWIFT and alternative regulated payment channels
• Multi-currency settlement options, including IDR, USD, EUR, and more
• Escrow arrangements for real estate and high-value business deals
• Trade finance instruments to secure import/export transactions
• Licensed crypto-to-fiat conversion for diversified asset transfers
• End-to-end documentation support, from contract verification to compliance reporting

With our combined expertise, your international business payments to Bali are executed with precision, transparency, and a commitment to safeguarding your capital.