Conventional Sharia Priority Prospera About BTN
Investor Relation PPID Career |
  • EN
  • ID
logo
  • Individual


    product

    Fund Products

    Savings solutions for your diverse needs


      • Tabungan BTN Batara

      • Tabungan BTN Bisnis

      • Tabungan BTN Felas

      • Tabungan BTN e'BATARAPOS

      • Tabunganku

      • Tabungan BTN Investa

      • Tabungan BTN Siap!

      • Tabungan BTN SiMuda RumahKu

      • Tabungan BTN Juara

      • Tabungan BTN SimPel

      • Deposito BTN Rupiah

      • BTN Retail Foreign Currency Deposits

      • Giro Perorangan

      • Kartu ATM/Debit BTN

      • Kartu ATM/Debit BTN Suka - Suka

      • Kartu ATM Debit BTN Visa Contactless Paywave

    icon

    Consumer Credit

    Apply for a loan with low installment


      • KPR BTN Platinum

      • Kredit Agunan Rumah BTN

      • Kredit Bangun Rumah BTN

      • Fasilitas Pembiayaan Perumahan Kerjasama dengan BPJS Ketenagakerjaan

      • KRING BTN

      • KRING BTN Pensiunan

      • KRING BTN Molis

      • KPA BTN Platinum

      • KPR BTN Sejahtera FLPP

      • KPR BTN Tapera

      • KRR BTN Tapera

      • KBR BTN Tapera

      • Kartu Kredit BTN

    jasa

    Services

    Enjoy BTN services for ease of life


      • Kartu Prepaid BTN Blink

      • Agen BTN

      • balé by BTN

      • ATM Link

      • CRM

      • BTN Internet Banking

      • Notifikasi Transaksi BTN

      • BTN Digital Store

      • balé poin

      • Safe Deposit Box

      • Market Linked Deposit

      • Dual Currency Investment

      • Swap Depo

      • MoneyGram

      • Finnet (Finpay Remittance)

      • Pengiriman uang melalui SWIFT

      • Debit BTN Online

      • SPP Online

      • Pembayaran UTBK dan SMM PTN-Barat

      • PDAM

      • Pembayaran Pajak Kendaraan Jawa Tengah (SAKPOLE) & SAMSAT DKI

      • Pembayaran Tiket KAI

      • Money Changer

    digital

    Digital Mortgage

    Realize the convenience of managing dream property


      • BTN Properti

      • BTN Smart Residence (Penghuni)

  • Business


    product

    Fund Products

    Build your business and operations more optimally


      • Tabungan BTN Batara

      • Tabungan BTN Bisnis

      • Tabungan BTN Felas

      • Tabungan BTN e'BATARAPOS

      • Tabungan BTN Investa

      • Giro Lembaga

      • Deposito BTN Lembaga

      • Deposito On Call (DOC)

    icon

    Commercial Products

    Provide loans with ease for business financing


      • Kredit Konstruksi Bank BTN

      • Kredit Modal Kerja

      • Kredit Modal Kerja Properti BTN

      • Kredit Investasi

      • Kredit Modal Kerja Kontraktor

      • Kredit Modal Kerja Linkage

      • Kredit Modal Kerja Beragunan Simpanan

      • Kredit Kepemilikan Lahan

      • KUR (Kredit Usaha Rakyat)

      • Kredit UMKM Modal Kerja

      • Kredit UMKM Investasi

      • Kredit UMKM Linkage Program

      • BTN LAKU

    jasa

    Services

    Simplify all your business transactions and finance


      • BTN Open API

      • EDC BTN

      • balé bisnis

      • BTN Cash Management

      • Jasa Layanan BTN Payroll

      • Supply Chain Financing

      • Surat Kredit Berdokumen Dalam Negeri/Letter of Credit

      • Negosiasi/Diskonto Surat Kredit Berdokumen Dalam Negeri/Letter of Credit

      • Trust Receipt

      • Documentary Collection

      • Bank Garansi/Standby Letter of Credit/Demand Guarantee

      • BTN Solusi

      • Jasa Kustodian

      • Wali Amanat

      • QRIS BTN Merchant

      • BTN Token

      • Virtual Account BTN

    digital

    Digital Mortgage

    Featured digital services for dream property


      • BTN Properti for Developer

      • BTN Smart Residence (Pengelola)

  • Promotion
  • I Want To Login

    • cash

      Cash Management

    • Internet

      Internet Banking

    • Internet

      Bale Korpora

promo
Promo

Contact Us

150286 1500286 +62 87771500286 @bankbtn @Facebook @btn @btn @bankbtn PT Bank Tabungan Negara

Simulation & Information

Simulation

Converter E-Converter Kurs Calculation Deposit Deposit Simulation Credit Consumer Credit Simulation
panah Service Rates arrow SBDK

Find What You Need

Lokasi Cabang

EN | ID |

Saya sedang mencari layanan

Conventional
Conventional
Syaria
Sharia
Priority
Priority
Conventional
Prospera
banner mobile about
About BTN
Investor Relation PPID Career

Surat Kredit Berdokumen Dalam Negeri/Letter of Credit

Easy Business Agreement with SKBDN

Promise of payment from BTN to the beneficiary/recipient if the recipient submits the appropriate documents

Surat Kredit Berdokumen Dalam Negeri (SKBDN)

Available in 4 types of service, namely SKBDN issuance, SKBDN forward, and SKBDN financing - SKBDN Usance Discount

transaksi

Competitive Fee

The fee offer of SKBDN is competitive with other banks

icon-handshake

Credibility

Reliable agreement with high-quality guarantee

icon-loop

Security Guarantee

Buyer or contractor payment security is proven

relasi

Wide Range of Correspondent

Wide range of network relationships with correspondent banks

biaya

Alternative Financing

SKBDN as payment alternate to mitigate the possibility of non-payment

icon-waktu

Quick and Easy

The processing of letters issued by BTN only takes a short time

transaksi

Competitive Fee

The fee offer of SKBDN is competitive with other banks

icon-handshake

Credibility

Reliable agreement with high-quality guarantee

icon-loop

Security Guarantee

Buyer or contractor payment security is proven

relasi

Wide Range of Correspondent

Wide range of network relationships with correspondent banks

biaya

Alternative Financing

SKBDN as payment alternate to mitigate the possibility of non-payment

icon-waktu

Quick and Easy

The processing of letters issued by BTN only takes a short time

Terms & Conditions

SKBDN Issuance

  • Have SKBDN ceiling/facility/line of issuance at BTN

  • Fill out the SKBDN application form and fulfill the general requirements for SKBDN issuance

SKBDN Forwarding & Discount

  • Have a giro/savings account at BTN

  • Acceptance from the Issuing Bank for the discount of SKBDN document

Benefits of SKBDN

  • ⓘ Ensure the security of payments to exporters and support international trade.
  • ⓘ Forwarding rights/claims to smooth payment and risk mitigation to third parties.

Issuance

Fixed Period
Increase the credibility of the Buyer/Contractor by providing a payment guarantee for the Seller/Supplier/Sub-Contractor through BTN as one of the state-owned banks
Guarantee the security payment of the Buyer/Contractor, where payment is only made if the documents received are in accordance with the terms and conditions of SKBDN
Assist the cash flow of Buyer/Contractor with SKBDN Usance Payable At Sight (UPAS)/Usance Payable At Usance (UPAU) financing at BTN
Competitive fee

Forwarding

Fixed Period
BTN has a wide network of working units and relationships with correspondent banks in Indonesia
Gain certainty of Seller/Supplier/Sub-Contractor payment from the Issuing Bank
Mitigate the risk of non-payment of Seller/Supplier/Sub-Contractor documents from the Issuing Bank because of discrepancies with document preparation and inspection services from BTN
Assist the cash flow of Seller/Supplier/Sub-Contractor with SKBDN document discount from BTN
Competitive Fee

List of Service Fees

  • ⓘ Forwarding rights/claims to smooth payment and risk mitigation to third parties.
  • ⓘ Ensure the security of payments to exporters and support international trade.

Acceptance

  1. 1SKBDN Forwarding Fee

    Type of Fee Fee
    Original SKBDN not taken by customer IDR 50,000
    Original SKBDN taken by customer IDR 150,000
  2. 2SKBDN Amendment Forwarding Fee

    Type of Fee Fee
    Original SKBDN not taken by customer IDR 50,000
    Original SKBDN taken by customer IDR 150,000
  3. 3Document Fee

    Type of Fee Fee
    Document Inspection 0.125% of document value min. IDR 150,000,-
    In-town Document Delivery IDR 50,000
    Out-of-town Document Delivery IDR 150,000

Issuance

  1. 1SKBDN Issuance Fee

    Type of Fee Fee
    Increase SKBDN value         0.125/3 months min. IDR 150,000
    Extension of SKBDN period 0.125/3 months min. IDR 150,000 
    Other changes IDR 150,000
  2. 2Document Fee

    Type of Fee Fee
    Document Acceptance 1% p.a. min. IDR 200,000
  3. 3SWIFT Transfer

    Type of Fee Fee
    Short (1 page) IDR 50,000
    Long (more than 1 page) IDR 100,000

Find Answers to Your Questions

What is Surat Kredit Berdokumen Dalam Negeri (SKBDN)/Letter of Credit (L/C)?

Surat Kredit Berdokumen Dalam Negeri (SKBDN) is a written and irrevocable promise issued by the Issuing Bank upon instruction from the Applicant to pay the sum of money to the Beneficiary as long as the terms and conditions stated in the SKBDN are fulfilled.

What are the types of Surat Kredit Berdokumen Dalam Negeri (SKBDN)/Letter of Credit (L/C) based on the payment term?

SKBDN, based on the payment term, consists of SKBDN Sight, Usance, UPAS, and UPAU.

What are the benefits of Surat Kredit Berdokumen Dalam Negeri (SKBDN)/Letter of Credit (L/C)?

The benefits of SKBDN are:
- Increase the credibility of the Exporter to the Importer
- Payment is more secure because it is made through the Issuing Bank that has verified and validated the documents required
- Documents are guaranteed because the required documents have passed verification and validation from the Issuing Bank

Related News

Gandeng Dewan Masjid Indonesia, BTN Dukung Inklusi Keuangan Lewat Solusi Digital

22 May 2025

Jelang Spin Off, BTN Syariah Kembali Raih Penghargaan Internasional Best Islamic Bank 2025

21 May 2025

Dukung Asta Cita Kesetaraan Gender, BTN Dorong Pemberdayaan Perempuan

14 May 2025

BTN Dukung Pembiayaan Rumah bagi Karyawan Industri Media

07 May 2025

Gandeng Dewan Masjid Indonesia, BTN Dukung Inklusi Keuangan Lewat Solusi Digital

22 May 2025

Jelang Spin Off, BTN Syariah Kembali Raih Penghargaan Internasional Best Islamic Bank 2025

21 May 2025

Dukung Asta Cita Kesetaraan Gender, BTN Dorong Pemberdayaan Perempuan

14 May 2025

BTN Dukung Pembiayaan Rumah bagi Karyawan Industri Media

07 May 2025

Seamless Business Credit with BTN

map
Get Services
chat
Ask Questions

Supply Chain Financing

Bank Guarantee

Head Office

Menara BTN Jl. Gajah Mada No. 1 Jakarta 10130 150286 1500286
BTN Call

Help Center

Complaint Service FAQ

Digital Ecosystem

BTN Properti Rumah Murah BTN Smart Residence balé by BTN

Guidance & Information

Term & Condition Privacy Policy Procurement Sitemap Security Awareness

BTN is licensed and supervised by the Financial Services Authority (OJK) & Bank Indonesia and is a member of the Deposit Insurance Corporation (LPS) guarantee.
The maximum deposit value guaranteed by LPS per customer per bank is IDR 2 billion.
To find out the Guaranteed Interest Rate, please access here.