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Bank teller and frontliner jobs in Indonesia: duties, requirements, pay, applying safely

Written by KarirAman editorial team Approved by Kaiser Khan (editor), Updated

Bank tellers handle deposits, withdrawals and transfers at branches; most ads ask for a D3 or S1. A recruiter who wants test or lodging fees is a scammer.

Summary

High scam risk
  • Tellers handle deposits, withdrawals and transfers at the counter and balance the cash at the end of the day; customer service staff open accounts and handle complaints.
  • Teller and frontliner vacancies usually ask for a D3 or S1 graduate and are often open to fresh graduates.
  • The elucidation of OJK Regulation 9/POJK.03/2016 names tellers and customer service as core bank work; commercial banks may outsource only supporting work.
  • Official recruitment never charges a fee. Apply only through the bank's official careers site or the state enterprise careers directory, and check the recruiter's e-mail domain.
  • PPATK urges people never to lend or sell their identity or bank account. Walk away from any job that asks you to open an account for someone else.
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On this page
  1. What does a bank teller do?
  2. What do you need to work as a bank teller in Indonesia?
  3. What does a typical bank teller job description look like?
  4. How much does a bank teller earn in Indonesia?
  5. Which education routes lead to bank teller jobs?
  6. Can a bank teller be hired through an outsourcing company or on a PKWT contract?
  7. How do you check a test invitation or e-mail from a bank?
  8. Who pays when a teller's cash does not balance?
  9. How do you check a bank teller vacancy before applying?
  10. What should you do if you already sent money or data to a fake recruiter?
  11. Will the rules on teller contracts and outsourcing change?
  12. How does a teller career compare with accounting staff and cashiers?
  13. What interview questions might you be asked for bank teller jobs?
  14. Which job scams target bank teller applicants?
  15. Where can you find safe bank teller vacancies in Indonesia?
  16. Which careers are similar?

What does a bank teller do?

A bank teller handles transactions at a branch counter: deposits, withdrawals, transfers and payments, checking identity, signatures and whether notes are genuine, then balances the cash against the day's record. Other frontliners, the customer service staff, open accounts, explain products and handle complaints. The General Banking competency standard (Ministerial Decree 90/2019) covers cash and non-cash transactions and complaints. Back-office staff, not frontliners, validate transactions beyond a frontliner's authority and handle loan administration (2013 banking operations standard).

  • Process deposits, withdrawals, transfers and bill payments at the counter.
  • Check customers' identity, signatures and documents according to bank procedure.
  • Count cash and check that notes are genuine, then balance the cash position at the end of the day.
  • Record every transaction and file the transaction slips.
  • In customer service roles, open and close accounts and explain bank products.
  • Receive customer complaints and pass them on through the complaints procedure.
  • Keep customer and deposit information confidential.
  • Meet service targets and manage queues at the branch.

What do you need to work as a bank teller in Indonesia?

Teller and customer service vacancies in Indonesia usually ask for a D3 or S1 graduate, accuracy with numbers, service skills and willingness to work at any branch. Tellers need no professional licence from OJK, but as bank employees they must keep information about depositors and their deposits confidential (Banking Law Article 40(1), as amended by Law 4/2023). If you are assigned to market mutual funds at a bank that acts as a mutual fund selling agent, you need an OJK Wakil Perusahaan Efek or WAPERD licence (OJK Regulation 39/POJK.04/2014, Article 4).

What does a typical bank teller job description look like?

Bank teller ads usually ask for a D3 or S1 graduate who counts cash accurately, serves queues politely and is willing to work to service targets. Some ads still set age limits, appearance requirements or single status. Minister of Manpower Circular M/6/HK.04/V/2025 point 2 prohibits employers from discriminating on any basis in recruitment. Age limits require the special circumstances and conditions in point 3. We wrote the description below ourselves from common advertising patterns. It is not a vacancy from any bank, so there is no apply button.

General example, not a vacancy

We wrote this description ourselves from what job ads usually ask for. It is not a vacancy from any company.

Commonly requested requirements

  • A D3 or S1 graduate from any major; many vacancies are open to fresh graduates.
  • Accurate with numbers and comfortable using a computer.
  • Friendly, patient and able to explain procedures in plain language.
  • Willing to work to service targets and to be placed at any branch.
  • Honest and able to keep customer data confidential.
  • Customer service or cashier experience is a plus.

Skills

Accurate cash handling, Customer service, Spoken communication, Counterfeit note detection, Computers and banking applications, Data confidentiality, Working calmly with queues, Complaint handling.

Ministry of Manpower Circular M/6/HK.04/V/2025 bars employers from discriminating on any basis in recruitment. An age requirement is allowed only where the nature of the job genuinely affects ability and it does not remove the chance of work, and the same applies to workers with disabilities. Law 13/2003 Articles 5 and 6 guarantee equal opportunity and treatment without discrimination. JDIH Kementerian Ketenagakerjaan JDIH BPK RI (peraturan.bpk.go.id)

How much does a bank teller earn in Indonesia?

A bank teller may not be paid below the provincial or regency/city minimum wage that applies where they work, at least for workers with less than one year of service; after that, pay follows the company's wage structure and scale (Government Regulation 36/2021, Articles 23 and 24). KarirAman does not show a teller-specific figure yet, because no verified vacancy data with a large enough sample exists. The closest group reference is the financial and insurance sector net wage from the BPS May 2026 survey on our average salary page.

Bank Teller: available pay data (as of 8 October 2026)
Data Figure Notes
Pay range in KarirAman verified vacancies Not enough data yet (n < 30)
Average net wage of employees, Financial and insurance activities (BPS Sakernas May 2026) IDR 5,511,847 reference for the Financial and insurance activities sector, not specific to this career; net (after deductions) Badan Pusat Statistik
Minimum wage (UMP/UMK) as the floor IDR 2,317,601 to IDR 5,729,876 Lowest 2026 UMP IDR 2,317,601 (West Java), highest IDR 5,729,876 (Jakarta) Micro and small businesses are exempt from the minimum wage rules; pay there is set by agreement and still has a legal floor. Kementerian Hukum RI (peraturan.go.id)

Check your city's minimum wage (2026) Work out your take-home pay How we handle salary data

Which education routes lead to bank teller jobs?

The most common route is a D3 or S1 in any major, because teller ads rarely require a banking degree. D1 to S1 graduates can gain experience through Kemnaker's National Apprenticeship Programme, and fresh graduates can join the joint state enterprise recruitment or state enterprise internships listed in the official careers directory. A competency certificate from a BNSP-licensed certification body can strengthen an application, but it is rarely a requirement.

Can a bank teller be hired through an outsourcing company or on a PKWT contract?

Not through outsourcing at a commercial bank: OJK Regulation 9/POJK.03/2016 lets commercial banks outsource only supporting work, and its elucidation names tellers and customer service as examples of core work. This rule covers commercial banks only, not rural banks (BPR). If you are offered a fixed-term PKWT contract, Government Regulation 35/2021 limits a time-based PKWT to five years including extensions and bans probation. If a teller vacancy comes from a staffing company, ask who your employer is.

How do you check a test invitation or e-mail from a bank?

Compare the sender's e-mail domain, letter by letter, with the domain of the bank's official website that you opened yourself. Kemnaker names free e-mail domains as a sign of a fake vacancy, and OJK's Satgas PASTI records scammers copying the names, websites and social media of licensed entities. Make sure the vacancy also appears on the bank's official careers site, then confirm through the bank's official contacts. Do not click links or install apps from a recruiter's message.

Who pays when a teller's cash does not balance?

A teller pays for a cash shortage through wage deductions only if the employment contract, company regulation or collective agreement provides for it (Government Regulation 36/2021, Article 63, on deductions for damages), and Article 65 caps the total deductions per wage payment. A cash difference is a shortage or surplus found when the cash is balanced at the end of the day. Read the cash-difference rules before you sign, ask for a written record of every difference and never hand over your original diploma as security.

How do you check a bank teller vacancy before applying?

  1. Open the bank's careers site by typing its address yourself, or through the state enterprise careers directory for state-owned banks. Make sure the same vacancy is listed there.
  2. Compare the invitation's e-mail domain with that official website's domain, letter by letter. Kemnaker treats free e-mail domains as a red flag.
  3. Confirm the test invitation through the phone number or e-mail address listed on the bank's website, not a number the recruiter sends.
  4. Do not pay anything for a test, uniform, training or accommodation, and do not install apps sent in a chat.
  5. Do not send an OTP, PIN, password, photo of your ATM card or your savings book, and hold back your account details until there is a formal interview and an employment agreement.

What should you do if you already sent money or data to a fake recruiter?

Call your bank on the official number on your card or app to block access, then change the passwords of important accounts from another device. If you transferred money, report it to IASC (Indonesia Anti-Scam Centre) as soon as possible and make a police report at the nearest SPKT; IASC says both reports are needed and that a fast report improves the chance of tracing funds. Our guide on what to do after paying a scammer has the full steps. If your ID card photo or selfie was sent, monitor your credit record with the Panduan Warga guide to checking your OJK credit record, because Kemnaker says such data can be misused for online loans. For reporting financial fraud, see also the Panduan Warga guide to reporting fraud to IASC.

Will the rules on teller contracts and outsourcing change?

Indonesia's Labour Protection Law (UU Pelindungan Ketenagakerjaan) was approved by the DPR and the Government on 6 October 2026. According to Kemnaker's summary, it also covers outsourced workers at state-owned enterprises. When we checked on 8 October 2026, the law had no number, had not been promulgated and its text was not public, so until it takes effect, Government Regulation 35/2021 remains the rule for PKWT contracts and outsourcing. Our guide to PKWT and PKWTT employment contracts explains the rules that apply now, and our new labour law guide has the latest status of the new law.

Whoever employs you, including an outsourcing company, must register you with BPJS (Law 24/2011, Article 15). Our BPJS employment social security guide explains your rights as a member.

How does a teller career compare with accounting staff and cashiers?

Tellers can move up to senior teller or head teller, then into customer service, branch operations or bank product sales. Some move into accounting or finance; our accounting staff guide explains that path. Counting cash and serving queues is close to cashier work in retail, but bank tellers are also bound by bank secrecy under Banking Law Article 40.

What interview questions might you be asked for bank teller jobs?

Interview questions for bank teller jobs often cover accuracy with figures, the accounting software or spreadsheets you use, handling discrepancies, what you would do if asked to change figures, and reporting deadlines. Each example below comes with why it is asked and how to answer it. The Ministry of Manpower warns that an instant chat interview without formal confirmation is one sign of a fake job.

Republika (official statement via media)

General examples written by KarirAman, not questions from any particular company. How to practise: read the question, answer it out loud, then open the guidance to compare.

Questions for this field

How do you make sure the figures in a report are right?

Why they ask: Financial reports drive important decisions, so accuracy comes first.

How to answer: Explain your steps: reconciling with transaction evidence, cross-checking between reports and keeping a traceable record of changes.

Which accounting software or spreadsheets have you used?

Why they ask: The company wants to know how quickly you can work with its systems.

How to answer: Name the programs and tasks, such as journals, bank reconciliations or summary tables. If you have not used their system, explain how you learn a new one.

Tell me about a time you found a discrepancy or a recording error.

Why they ask: How you trace a discrepancy shows persistence and honesty.

How to answer: Use the STAR pattern. Describe how you traced the cause, documented the correction and reported it to your supervisor.

What would you do if you were asked to change figures without a clear basis?

Why they ask: This tests integrity, which matters in finance.

How to answer: Say you would ask for supporting documents, refuse to falsify records and raise the matter through the company's proper channel.

How do you organise your work before month-end closing or a reporting deadline?

Why they ask: Closing periods are busy and deadlines are fixed.

How to answer: Describe your checklist, a schedule worked back from the deadline and the work you prepare early.

How do you serve a customer in a hurry while still following procedure?

Why they ask: Verification steps protect customers and the bank from fraud.

How to answer: Say you stay friendly and quick, explain why each check is needed and never skip a procedure, even under pressure.

Common questions that also come up (12 questions)

  • Tell me about yourself.

    Answer in about a minute: where you are now in work or study, two experiences that matter for this job, then why you applied. Personal matters such as family status are not needed.

  • Why did you apply to this company?

    Mention one or two real things you learned from the company's official website, such as its business or services, and link them to your skills.

  • Why are you interested in this role?

    Pick two tasks from the job advert, describe similar things you have done, and say which part you most want to grow in.

  • What are your strengths?

    Name one or two strengths and give short proof: the situation, what you did and the result.

  • What is your weakness?

    Choose a real weakness that is not central to the job, then explain what you are doing to improve it.

  • Tell me about a problem at work or school that you solved.

    Use the STAR pattern: Situation, Task, Action, Result. Focus on what you yourself did and what you learned.

  • How do you work in a team, including when people disagree?

    Give a real example of listening, explaining your view politely and finding a solution everyone accepted.

  • How do you handle pressure or tight deadlines?

    Explain how you set priorities, such as a task list or checking with your supervisor, and give one example of the outcome.

  • Where do you see yourself in two or three years?

    Mention the skills you want to master and the responsibility you hope to take on, without promising things you cannot know.

  • What salary do you expect?

    First research the pay range for the role and the local minimum wage where you would work. Give a range, then ask whether the figure is gross or net and which allowances apply.

  • When can you start?

    Give a realistic date. If you are still employed, mention the notice period in your current contract so you do not break it.

  • Do you have any questions for us?

    Ask about the contract type, working hours, base pay and allowances, the next selection step and when results are announced. Ask for the offer in writing.

Warning signs in interviews (6)

  • The interview happens only by WhatsApp or Telegram chat with no formal invitation, or you are pushed to be interviewed on the spot.

    What to do: Ask for a written invitation from a company-domain e-mail address, then match the contact with the official website you look up yourself.

    Republika (official statement via media)Kompas TV (official statement via media)detikFinance

  • You are asked to pay for a test, a psychological test, a medical check-up, training or a uniform, or to book tickets and a hotel through an appointed agent with a promise of reimbursement.

    What to do: Do not transfer anything. The Ministry of Manpower says legitimate recruitment does not charge applicants.

    Kompas TV (official statement via media)Republika (official statement via media)Koran Jakarta (official statement via media)PT Bank Central Asia Tbk (BCA)

  • The interview is held in a hotel room, a private house or another closed place that is not an office, or the location keeps changing. An invitation to stay overnight, or any sexual demand, as a condition for being hired or for renewing a contract is also a warning sign.

    What to do: Ask for the interview at the office or a public place, tell someone close to you where you are, and leave if you feel unsafe. Sexual demands can be reported to the police or the local manpower office (Disnaker). If you are in danger, call the police.

    Koran Jakarta (official statement via media)detikBali (detik.com) (official statement via media)Medcom.id (official statement via media)

  • You are asked for a photo of your KTP or family card, a selfie holding your ID, your bank account number, an OTP code, a PIN or a password before any written job offer.

    What to do: Do not send them. OJK says never to give an OTP, PIN or password to anyone, and identity data can be misused for illegal online loans.

    Kompas TV (official statement via media)Otoritas Jasa Keuangan (Sekretariat Satgas PASTI)Koran Jakarta (official statement via media)

  • The interview invitation arrives as an app file (APK) or a link that asks you to install an app.

    What to do: Do not open it. OJK and Kominfo warn that fake APK files can read SMS messages with OTP codes and then drain bank accounts.

    CNN Indonesia (official statement via media)

  • After the interview you are asked to hand over your original diploma or other original personal documents as a guarantee for the job.

    What to do: Ministry of Manpower Circular M/5/HK.04.00/V/2025 bars employers from requiring or holding original diplomas and personal documents as a guarantee for the job. The only exception is a diploma or competency certificate from education or training paid for by the employer under a written employment agreement, and the employer must keep it safe and compensate you if it is damaged or lost. Otherwise, show them for checking, then take them home.

    Dinas Tenaga Kerja Kota Batam (meneruskan SE Menteri Ketenagakerjaan RI)

In danger or held at an interview location? Call the police:

See all interview questions Build an ATS CV Write a cover letter

Which job scams target bank teller applicants?

According to OJK, job scammers usually pose as large companies or official institutions, ask for upfront payment and request sensitive data linked to financial accounts. Common fake-job patterns that can also use a bank's name include invitations from free e-mail addresses, fee requests, requests for an OTP and APK files. Kemnaker says official companies do not ask applicants for any fee, and FHCI stated that every stage of the 2024 joint state enterprise recruitment was free.

Warning signs in bank teller job ads

  • The recruiter asks you to transfer money for a test, uniform, training or accommodation so you can join the selection; Kemnaker says official companies charge applicants nothing.
  • The test invitation comes from a free e-mail address or from a domain that differs from the bank's official website.Kompas TV (official statement via media)
  • A vacancy in the name of a state-owned bank is not listed on that bank's official careers site or in the state enterprise careers directory.Badan Pengaturan BUMN
  • The recruiter asks for an OTP, PIN, mobile banking password or other sensitive data linked to your financial accounts.Otoritas Jasa Keuangan (Sekretariat Satgas PASTI)
  • You are asked to open a new bank account and hand the savings book, ATM card or mobile banking access to the recruiter.Pusat Pelaporan dan Analisis Transaksi Keuangan (PPATK)
  • You are asked to install an APK file to fill in the application form or see your test results.CNN Indonesia (official statement via media)
  • Someone promises you a place in the joint state enterprise recruitment for money, although FHCI said every stage of the 2024 recruitment was free.detikFinance (official statement via media)
  • The employer asks to hold your original diploma as security for a contract or service bond.detikFinance (official statement via media)

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Where can you find safe bank teller vacancies in Indonesia?

Look for teller vacancies only on the bank's official careers site, the bank's official social media accounts, Kemnaker's Karirhub portal, campus job centres and, for state-owned banks, the state enterprise careers directory. Type the bank's address yourself or open it from the official directory, never from a link in a chat. To confirm that a bank is licensed, ask OJK's contact centre 157. Ministerial Regulation 18/2024 bars licensed job portals from charging job seekers. KarirAman does not list verified teller vacancies yet.

No verified vacancies for this role yet

We only list vacancies we have checked. In the meantime, look for jobs on these official channels.

Which careers are similar?

See other careers in Finance and accounting

Frequently asked questions

Do you have to pay to apply for a bank teller job in Indonesia?

No. Kemnaker, the Ministry of Manpower, says official companies do not ask applicants for any fee, and that requests for money for administration, training or uniforms are a sign of a fake vacancy. For state-owned banks, the state enterprise HR forum FHCI stated that every stage of the 2024 joint state enterprise recruitment (Rekrutmen Bersama BUMN) was free. If you are asked to pay for a test, accommodation or a uniform, stop, keep the evidence and report it.

Can a recruiter ask me to open a new bank account or hand over my ATM card?

Never hand a savings book, ATM card, PIN or mobile banking access to a recruiter. PPATK, Indonesia's financial intelligence unit, urges people not to lend or sell their identity or bank account to others, because such accounts are misused for fraud, account trading and online gambling. OJK also warns never to share an OTP, PIN or password with anyone, including people who claim to be from an official institution.

Is an outsourced teller the same as a bank employee?

Not necessarily. At commercial banks, OJK Regulation 9/POJK.03/2016 classes tellers and customer service as core work that may not be outsourced; this rule covers commercial banks only, not rural banks (BPR). Outsourced workers have an employment contract with the outsourcing company, and Government Regulation 35/2021, Article 18, makes it responsible for worker protection, wages, welfare, working conditions and disputes. Ask who employs you, which contract you are on and who registers you with BPJS; under Law 24/2011, Article 15, employers must register their workers.

What if a teller test invitation arrives by WhatsApp?

A WhatsApp invitation is not automatically fake, but check before you go. OJK advises not to trust job information received by private message straight away, to make sure the website and social media accounts announcing the vacancy are official, and to confirm directly with the company. Do not open an APK file from the sender: according to OJK, a fake APK file can steal personal data and drain your bank account.

Are age, appearance or single-status requirements in teller ads allowed?

Minister of Manpower Circular M/6/HK.04/V/2025 point 2 prohibits employers from discriminating on any basis in recruitment. Age limits require the special circumstances and conditions in point 3. If a teller ad includes a discriminatory requirement, you may still apply if you meet the skill requirements, and you can report a discriminatory ad to Kemnaker.

Can a high school graduate become a bank teller in Indonesia?

Yes, if the bank accepts it, but it is uncommon. Tellers need no professional licence from OJK, so each bank sets its own education requirement, and typical teller ads ask for a D3 or S1. If you finished SMA or SMK, make sure the vacancy is listed on the bank's official careers site. Kemnaker says official companies do not ask applicants for any fee, so refuse any request for money to get hired.

Who wrote and reviewed this page?

Written by KarirAman editorial team Published Updated

Prepared with AI assistance. Checked against official sources and approved for publication by Kaiser Khan (editor). Approval date: .

Sources

The facts on this page come from these sources. Dates show when we opened them.

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How to cite

KarirAman (2026). Bank teller and frontliner jobs in Indonesia: duties, requirements, pay, applying safely. Updated 8 October 2026. https://kariraman.com/en/careers/bank-teller/

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