
BNI Ibanking menawarkan keamanan yang tinggi dengan menggunakan teknologi enkripsi dan autentikasi dua faktor.
BNI Ibanking memiliki fitur-fitur yang lengkap, seperti transfer dana, pembayaran tagihan, dan cek saldo.
Keamanan yang tinggi ini membuat Anda dapat melakukan transaksi dengan lebih nyaman dan aman.
Dengan BNI Ibanking, Anda dapat mengakses rekening bank Anda kapan saja dan di mana saja.
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Cara Menggunakan BNI IBanking
To use BNI Internet Banking, you can start by accessing the website at https://ibank.bni.co.id or by downloading the BNI Mobile Banking app.
After registering for BNI Internet Banking, you can use the service by following the steps below.
First, you need to activate the service, which can be done by selecting the "Aktivasi" menu on the website.
You can also use BNI Internet Banking through your BNI ATM card by following the steps outlined in the registration process.
To transact financially, such as transferring funds or paying bills, you'll need to visit a nearby BNI branch to activate the financial transaction service.
Keep in mind that there may be fees associated with using BNI Internet Banking, so be sure to check the BNI website for more information.
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Keamanan dan Fitur

BNI Internet Banking has a robust security feature, including SMS Banking and Token, which protects your account and transactions from cyber threats.
These features ensure that your online transactions are safe and secure.
BNI Internet Banking also offers convenience without compromising security, allowing you to access various services without having to worry about your account's safety.
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Keamanan
Internet banking BNI has a robust security feature called SMS Banking and Token, which protects accounts and banking transactions from cyber threats.
With SMS Banking and Token, you can enjoy the convenience of accessing various banking services online.
The security feature helps safeguard your transactions and account information, giving you peace of mind when banking online.
BNI Internet Banking's advanced security features ensure that your online transactions are secure and protected from unauthorized access.
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Aman Penggunaan
To ensure the safe use of BNI Internet Banking, it's essential to follow some guidelines.
Jaga kerahasiaan user id dan password dengan cara tidak menyimpan password pada menu ‘simpan’ yang kerap muncul di browser komputermu.
Dengan melakukan aktivasi dan mengaktifkan fitur keamanan, kamu dapat melindungi akun dan transaksi perbankan dari ancaman kejahatan cyber.
Api

The API is a crucial part of any secure system, and it's no different for our IBank system. The bni_api.ibank submodule handles user sessions and provides access to sensitive information.
To access your bank accounts summary, including general and balance details, you need to log in through the IBankSession. This is a necessary step for security reasons.
The API also allows you to retrieve your transaction history for a specific bank account, but only if you provide the account number and a date range of up to 30 days.
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Manfaat dan Biaya
BNI Internet Banking offers several benefits, including the ability to access your account from anywhere, transfer funds up to 1 billion rupiah per day, and open new accounts online. You can also block your debit card, check your deposit, and authorize financial transactions.
One of the advantages of BNI Internet Banking is the convenience it provides. You can access your account from your PC, laptop, or mobile phone, making it easy to manage your finances on the go. This is especially useful for those with busy schedules or who live far from a bank branch.
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Here are some of the key benefits of BNI Internet Banking:
- Dapat diakses melalui PC/Laptop atau HP dengan mengetik alamat URL BNI Internet Banking.
- Transaksi transfer dana dengan limit transaksi hingga 1 milyar dalam 1 hari, multi transfer, transfer terjadwal dan transfer berulang.
- Layanan grafik cash flow, realisasi anggaran dari pos-pos pengeluaran, dan komposisi nominal berbagai pos pengeluaran dan pemasukan.
- Notifikasi transaksi dapat berupa email dan SMS.
Additionally, BNI Internet Banking also offers a range of features to help you manage your finances, including the ability to authorize financial transactions with BNI e-Secure or BNI m-Secure, and to access your account information through a secure login system.
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[Manfaat]
Manfaat BNI Internet Banking adalah sangat luas dan memberikan kemudahan dalam melakukan transaksi perbankan. Dengan BNI Internet Banking, kamu dapat melakukan transaksi di mana pun dan kapan pun tanpa harus datang ke kantor cabang.
Transaksi transfer dana dapat dilakukan dengan limit transaksi hingga 1 milyar dalam 1 hari, dan kamu juga dapat melakukan multi transfer, transfer terjadwal, dan transfer berulang. Pembukaan rekening BNI juga dapat dilakukan melalui BNI Internet Banking, termasuk pemblokiran Kartu Debit dan pencairan Deposito.
BNI Internet Banking juga menyediakan otorisasi login yang aman, seperti USER ID, Password, dan Captcha, serta memiliki virtual keyboard untuk menghindari praktik keylogger. Notifikasi transaksi juga dapat berupa email dan SMS untuk memastikan kamu selalu terinformasi tentang transaksi yang telah dilakukan.
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Dengan BNI Internet Banking, kamu dapat melakukan transaksi transfer rekening BNI antar mata uang yang sama maupun dari USD/SGD ke IDR. Layanan grafik cash flow juga tersedia untuk melihat realisasi anggaran dari pos-pos pengeluaran dan komposisi nominal berbagai pos pengeluaran dan pemasukan.
Berikut adalah beberapa manfaat BNI Internet Banking yang perlu diketahui:
- Dapat diakses melalui PC/Laptop atau HP dengan mengetik alamat URL BNI Internet Banking.
- Transaksi transfer dana dengan limit transaksi hingga 1 milyar dalam 1 hari, multi transfer, transfer terjadwal dan transfer berulang.
- Pembukaan rekening BNI (Taplus, Deposito & Tapenas), pemblokiran Kartu Debit, cek setoran bulanan/jangka waktu Tapenas, dan pencairan Deposito.
- Ptorisasi transaksi finansial yaitu BNI e-Secure atau BNI m-Secure.
- Otorisasi login ke BNI Internet Banking yaitu, USER ID, Password dan Captcha serta telah memiliki virtual keyboard untuk menghindari praktik keylogger.
- Layanan grafik cash flow, realisasi anggaran dari pos-pos pengeluaran, dan komposisi nominal berbagai pos pengeluaran dan pemasukan.
- Layanan transfer rekening BNI antar mata uang yang sama maupun dari USD/SGD ke IDR.
- Notifikasi transaksi dapat berupa email dan SMS.
Biaya Awal
When you're considering internet banking, it's essential to know the initial costs involved.
The initial cost of internet banking is the token fee. This fee is either Rp20,000 or Rp40,000, depending on the gadget's specifications.
If you're setting up internet banking for the first time, you'll need to pay the token fee. This fee is non-refundable and is charged once.
You can expect to pay a higher fee if you're replacing a token that's been damaged due to your own carelessness.
Here's a breakdown of the token fees:
- Token fee for the first time: Rp20,000 or Rp40,000
- Token replacement fee due to negligence: Rp120,000
Proses Pendaftaran
To register for BNI Internet Banking, you'll need to follow these steps. First, you can do it through a BNI ATM, just head to the nearest one and follow the menu to register for e-Channel, then select BNI Internet Banking and create your own PIN.
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You'll receive a registration slip from the ATM after you've successfully registered. Next, activate your account on the website https://ibank.bni.co.id, where you'll find the activation menu.
Note that you can only use BNI Internet Banking for non-financial transactions, such as checking your account balance or viewing your bill information, until you've activated the financial transaction service at a nearby BNI branch.
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3. Masukkan Informasi
To complete the registration process, you'll need to provide some essential information. You'll need to bring your BNI ATM card and a valid ID to the nearest BNI branch.
When registering through the BNI ATM, you'll be asked to create a 6-digit PIN. This PIN is crucial for securing your account.
Here are the details you'll need to provide for registration:
- Your BNI ATM card
- A valid ID
- A 6-digit PIN for security purposes
Remember, having all the necessary information ready will make the registration process smoother and faster.
4. Verifikasi
After submitting your registration information, you'll need to verify your transaction by entering a one-time password (OTP) that will be sent to you via SMS or through the BNI Mobile Banking app.
This OTP is a crucial step in the process, as it ensures that the transaction is legitimate and secure.
Once you've entered the OTP, your transaction will be processed, and you'll receive a confirmation message through SMS or email.
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Penggunaan dan Fungsionalitas

To use BNI Internet Banking safely, make sure to keep your user ID and password confidential, and don't store your password in your browser's saved password menu.
BNI Internet Banking offers a wide range of features to make your banking experience more convenient. You can log in to the website or mobile app to access various services.
The platform provides a variety of transaction options, including transfer between banks, bill payments, and prepaid card purchases. Here are some of the available services:
You can also monitor your finances in real-time using the Monitoring Keuangan feature, which allows you to track your account balance, transaction history, and banking activities.
Cara Bayar dengan Mobile
To pay bills using your mobile, you can use BNI Mobile Banking. First, login to BNI Mobile, then enter your UserID and MPIN. After that, click on the Transfer menu and select Antar BNI. You can then input a new transfer by entering the code and account number of the recipient, for example 8808xxxxxxxxxxxx.
The next step is to enter the transfer amount, making sure the total amount matches the details of the payment. Once you've confirmed the recipient's name and the total amount, click Selanjutnya. Then, enter your password and click Lanjut. After completing these steps, your transaction is complete.
You can also monitor your financial transactions and balance in real-time through BNI Internet Banking. This feature allows you to track your incoming and outgoing transactions, purchases, and bill payments. By having access to this information, you can manage your finances more effectively, identify spending patterns, and make informed financial decisions.
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Fitur Lengkap
BNI Internet Banking menawarkan fitur yang lengkap untuk memenuhi kebutuhan dalam melakukan transaksi perbankan. Dengan menggunakan layanan ini, kamu dapat melakukan transfer uang ke rekening bank lain, baik lokal maupun internasional.
Transfer uang adalah salah satu fitur utama dari BNI Internet Banking, yang memungkinkan kamu untuk mengirim uang ke rekening bank lain dengan cepat dan mudah. Selain itu, kamu juga dapat melakukan pembayaran tagihan bulanan, seperti tagihan listrik, air, telepon, kartu kredit, dan masih banyak lagi.

Pembayaran tagihan dapat dilakukan secara online, sehingga kamu dapat menghindari antrian panjang di kantor pos atau gerai pembayaran. Dengan BNI Internet Banking, kamu juga dapat membeli pulsa untuk nomor ponselmu atau orang lain dengan mudah.
Berikut adalah beberapa jenis transaksi yang dapat dilakukan melalui BNI Internet Banking:
- Transfer uang
- Pembayaran tagihan
- Pembelian pulsa
Tabel Jenis Transaksi BNI Internet Banking
Dengan fitur-fitur lengkap ini, BNI Internet Banking memudahkan kamu untuk melakukan transaksi perbankan dengan cepat dan mudah.
Api.Utils
Api.Utils is a submodule that contains useful utilities for extracting data from the IBankSession class.
It's located in the bni_api.utils section, making it easily accessible for developers who need to use these utilities.
This submodule is designed to make data extraction easier and more efficient.
The utilities in this submodule can be very helpful when working with the IBankSession class, saving developers time and effort.
Api.Utils contains some of the most commonly used utilities, making it a go-to resource for many developers.
These utilities are specifically designed to work with the IBankSession class, ensuring seamless integration.
Developers can rely on Api.Utils to get the job done quickly and accurately.
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Login dan Akses

To log in to BNI Internet Banking, you need to access the website or mobile app using your registered user ID and password.
First, go to the BNI Internet Banking website or open the BNI Mobile Banking app on your device.
You'll need to enter your user ID and password to proceed.
The login process is straightforward, but make sure you have your credentials handy.
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Penggunaan yang Mudah
Using BNI Internet Banking is incredibly convenient. You can do your banking transactions from anywhere and at any time, without having to physically visit a bank branch.
The digital era means time and money are crucial factors to consider in every transaction. With BNI Internet Banking, you can complete transactions quickly and easily, without wasting time and money on traveling to a bank branch.
One of the best things about BNI Internet Banking is that it saves you time. No more waiting in line or dealing with long queues – you can do your banking from the comfort of your own home or office.
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Sources
- https://support.online-pajak.com/en/hc/cara-melakukan-pembayaran-pajak-dengan-metode-bank-transfer-melalui-bank-bni-1
- https://github.com/lc-at/bni-api
- https://keuangan.kontan.co.id/news/cara-registrasi-bni-internet-banking-dan-manfaatnya-bagi-nasabah
- https://flip.id/blog/cara-daftar-bni-internet-banking
- https://www.cermati.com/artikel/bni-internet-banking
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