Samudranesia.id – Each bank in Indonesia has a unique code that is different from one another, BNI Syariah Bank is no exception. You will really need the BNI Syariah Bank code and other bank codes when you want to transfer money.
This code does not need to be used when you are going to transfer to the same bank as the bank account you currently have. In other words, the bank code is only needed when you want to send money between banks, for example from BNI Bank to BNI Syariah Bank.
Or from Bank Danamon to Bank BNI Syariah and so on. The code between conventional BNI Bank and BNI Syariah Bank is also different, this is a more complete explanation.
BNI Syariah Bank Code Different from Conventional BNI Bank?
BNI Syariah Bank and Conventional BNI Bank come from the same institution. So it’s natural that initially the codes for the two banks were the same, namely 009. However, since the end of 2022, BNI Syariah Bank has set its own code, which is 427.
With this different code, it can be seen that BNI Syariah Bank and Conventional BNI Bank now have their respective identities. So when you are going to transfer money to BNI Syariah Bank using a different bank account, you must include the code 427, not 009 anymore.
1. Change of Code
You must enter the code 427 belonging to the BNI Syariah Bank before writing down the intended account number. The change in this code is because BNI Syariah Bank has collaborated separately with Arta Jasa in terms of using the ATM Bersama network.
Artajasa itself is a company that provides electronic payment services and manages the ATM network of various banks. At first, the use of separate code was also not immediately implemented simultaneously.
However, the code change applies gradually and eventually applies to all bank members who are included in the ATM Bersama network in various parts of Indonesia. Therefore, if you find an ATM machine that still can’t process this code, don’t worry.
Because you can still use the old BNI Syariah Bank code which is still affiliated with Conventional BNI Bank, which is 009 if you want to transfer money. The money you transfer will still go to the destination account number, provided the account number is entered correctly.
However, it does take a little longer to process the funds sent to the destination account. Because the transfer data will go to BNI Bank later. This also doesn’t mean that the process will take days, just a little longer.
2. Code Input Error
The presence of Bank BNI Syariah is the answer given by Bank BNI to a fairly high market interest in a banking system based on sharia principles. Previously, Bank BNI was only a business unit of Bank BNI.
However, BNI Syariah Bank is growing very rapidly and many people believe it abroad. There is a fundamental difference between BNI Syariah Bank and Conventional BNI Bank which is not only visible in the bank code, but also in the system that is run.
Many consider that the system run by Bank BNI Syariah is more open. At first, many did not realize that the bank code was between BNI Syariah Bank and Conventional BNI Bank.
So then the code input error still occurs when sending money, especially driven by the fact that initially the code for BNI Syariah Bank and Conventional BNI Bank was the same, namely 009.
If there is an incorrect input of the destination bank code, which in this case is Bank BNI Syariah, which should be 427 but the input is 009, it is known that the actual transaction can still be processed. So the money sender can stay calm.
But again, the time it takes for the money to arrive at the destination account number is longer than entering the correct bank code.
Functions and Uses of BNI Syariah Bank Code
The existence of a bank code is not intended to complicate the transfer process, but this code does have a special function and use. That’s why each bank’s code is different. The functions and uses of this bank code, including BNI Syariah Bank, are as follows.
1. As the Official Identity of a Bank
The bank code is one of the official identities of a bank so that if this identity is not included when you transfer money between banks, the transaction will not succeed. As an identity, of course the bank code is the difference between one bank and another.
If this identity is not included, the money you transfer might arrive but not in the intended account. Or in other words, wrong address. This bank code is like the bank’s official identity for transactions carried out by each bank so that it is easier to connect.
Related to BNI Syariah Bank itself, this code also helps make it easier for customers to distinguish whether transfers are to conventional BNI Banks or to BNI Syariah Banks.
2. For Transaction Identification Needs
Each bank requires the person who will transfer money to enter the destination bank code. This provision is certainly enforced not without reason, but because indeed the bank code can be a means to identify the transactions you make.
Without the bank code, the transactions you make will not be properly identified. These three digits need to be written down to anticipate if there is a similarity in the bank account number you are going to with other banks.
The account number itself consists of several numbers that are quite long. If this bank code is not included, then the system might get confused and instead send the money to someone else’s account number, instead of the account number you are going to.
3. To Facilitate Transactions
So that the money in your account can be transferred to another account, a bank code is needed to make transactions easier. If the intended bank is the same as the bank used, this code is clearly unnecessary. But if the transaction is between banks, the bank code is absolutely necessary.
This code also helps each bank involved to know what their rights and obligations are when a transaction occurs between the two parties.
How to find out the BNI Syariah Bank Code through an ATM
You can find information about bank codes throughout Indonesia easily, especially if your smartphone is connected to the internet. Just look for a trusted source that contains bank code information in Indonesia.
To avoid forgetting, you can write down the bank code you usually go to, including BNI Syariah Bank to make transactions, then save the notes in your wallet. This way, every time you want to transfer from a different bank, you can open the note.
But if you have already arrived at the ATM and it turns out that the note is missing or even lost, you can follow the steps below to find out the code from Bank BNI Syariah.
- Insert the ATM card in the slot provided
- Enter your ATM card pin then select the menu. Here two options will appear, whether the transfer will be directed to another bank or to another bank account. If the destination bank account is not the same, just click Other bank accounts
- You have to enter the three-digit code for the bank account of the destination, and if you don’t know it, you can click List of bank codes. After that the screen will display codes from all banks in Indonesia. You can click Next to find the destination bank code
That’s all you have to do to find codes from various banks in Indonesia, including BNI Syariah Bank. Then you only need to remember the bank code so you can write it down in the column provided.
Generally, you have to enter the bank code manually if the transfer is made via ATM and SMS Banking. Meanwhile, if you transfer the money using M-Banking or Internet Banking, this bank code is usually filled in automatically.
Example of How to Use BNI Syariah Bank Code Through ATM
The use of the bank code is clearly done when you are about to transfer some funds. This transfer can be done via SMS Banking, Internet Banking or M-Banking and through an ATM machine.
The following is an example of using a code belonging to Bank BNI Syariah to receive money from a BRI account through an ATM.
- Visit the nearest ATM and insert the ATM card into the slot provided
- Choose Indonesian to make it easier for you to understand the instructions and enter the ATM card pin
- Next select Other transactions and select Transfer
- After that select Interbank transfer and at this stage later you will be asked to enter the following bank code with the account number of the destination
- Enter the special code for Bank BNI Syariah, which is 427 which is then followed by the bank account number of the direct destination, without spaces
- Enter the amount of money to be sent
- select Right and re-check the various information that you have entered earlier. Make sure there are no errors that can hinder the transfer process
- select Yes then wait for the transfer process to complete and then you can print a receipt as proof of the transaction.
BNI Syariah Bank Joins to Become Indonesian Sharia Bank (BSI)
On February 1, 2022, Bank Syariah Indonesia (BSI) was officially established. This bank is the result of a merger between several Islamic banks consisting of BRI Syariah, Bank Mandiri Syariah and Bank BNI Syariah.
Because it is a merger of several Islamic banks, of course there are several bank codes that can be used when transferring money. The code is 451 for Bank Mandiri Syariah, 427 for Bank BNI Syariah and 422 for Bank BRI Syariah.
BSI itself carries out the migration process which makes only one bank code used, namely the Bank Syariah Indonesia code itself and the code is 451. Meanwhile, how to use this code if you want to transfer money from a BRI account through an ATM as follows.
- Go to the nearest ATM then insert the ATM card into the slot provided
- Select Indonesian to make it easier to understand the instructions then enter the ATM PIN
- select Other Menu and select Transfer
- Enter the BSI Bank code followed by the account number of the Bank Syariah Indonesia to which the transfer is intended
- Also enter the amount of money you want to send and if there is a reference number on the screen, you can just leave it blank
- Then check again whether all the data you entered is correct. If you are sure you can choose Yes then select the source of funds From a Savings Account
- Just wait until the transfer process is complete and you will receive a receipt as proof of transfer
Like other banks, the BNI Syariah Bank code is required when you are going to transfer money from a different bank account. This code is unique so it won’t change.
However, with the merger of Bank BNI Syariah with other Islamic banks to become Bank Syariah Indonesia, the bank code has also changed. From the original 427 to 451.
