Living in Indonesia: the ultimate expat guide

Before moving, familiarize yourself with the visa requirements for Indonesia, which vary based on the length and purpose of your stay. From short-term visits to long-term residency, proper planning ensures a smooth relocation and avoids complications with local authorities.

For longer stays, most expats will need a Limited Stay Visa (ITAS), depending on employment or retirement status. These visas are often tied to sponsorship or proof of income and can be extended while in-country. Tourist visas allow short visits of up to 30 days and are sometimes extendable.

Tips:

1. Ensure your passport is valid for at least six months beyond your intended stay.
2. Keep all visa and supporting documents organized and easily accessible.
3. Stay updated on Indonesian immigration rules, as they can change with little notice

Source:

The Official Immigration Services Website for Indonesia

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Indonesia’s job market offers opportunities for skilled professionals in many fields. Expats with experience in education, IT, hospitality and engineering often find fulfilling roles with both international and local companies.

In-demand jobs

Some of the most in-demand jobs in Indonesia include English teachers, particularly in international schools and language centers, IT professionals (software development, data analysis, and tech management roles) and hospitality and tourism.

Tips:

1. Tailor your CV to Indonesian standards, highlighting relevant skills and experience.
2. Network through local events, professional associations, and online platforms.
3. Understand workplace culture and expectations, which can differ from Western norms.

Facts & figures

Data correct as of October 2025

Sources: CEIC, World Bank, Time Doctor

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Indonesia is becoming an appealing study destination for international students looking for a mix of academic quality, cultural diversity, and affordability. With its growing network of reputable universities and a welcoming environment, the country offers a unique setting to earn a degree while experiencing life in one of Southeast Asia’s most dynamic nations.

Top institutions such as Universitas Indonesia (UI), Gadjah Mada University (UGM), and Bandung Institute of Technology (ITB) are recognized for their programs in engineering, business, social sciences, and environmental studies. An increasing number of universities offer fully English-taught or English-track programs, especially at the postgraduate level and in key fields.

Why study in Indonesia?

Indonesia offers a well-balanced mix of academic opportunity and cultural discovery. Tuition and living costs are generally lower than those at Western universities, though English‐track programs may carry premium fees, and living costs vary by city. Students can also benefit from government or university scholarships designed for international learners, including the Darmasiswa Scholarship, which supports non-degree studies in the Indonesian language, arts, and culture.

Outside the classroom, studying in Indonesia opens the door to diverse traditions, natural beauty, and a welcoming local community—ideal for anyone interested in Southeast Asian culture and global connections.

Tips:

1. You’ll need to apply for a student visa (often class C316), and then your university will help you convert to a stay permit (KITAS) after arrival.
2. Gather transcripts, passport, financial proof, and health certificate, legalized by the Indonesian Embassy if required.
3. Many programs are in English, but learning Bahasa Indonesia helps with daily life and local interactions.
4. Always check whether your chosen program is genuinely full-English (or partially) and recognized in your home country.

For many, Indonesia offers an enticing setting for retirement, with warm tropical climates, rich culture, and a lower cost of living. Retirees from Australia, the United States, Europe, and other regions are increasingly drawn to Bali, Yogyakarta, or the peaceful beaches of Lombok. From vibrant coastal towns to serene jungle hideaways, there’s a lifestyle to suit every preference, whether you seek community, adventure, or quiet reflection. Bali’s beach resorts and Java’s cultural heartlands are perennial favorites for people retiring to Indonesia.

Major advantages

Affordable living: Lower costs for housing, food, and daily expenses compared with Western countries.

Health access: Private clinics offer quality care; international health insurance is recommended.

Relaxed lifestyle: Warm weather, abundant natural beauty, and an emphasis on community and family life.

Important:

1. Retirees should apply for a retirement visa and provide proof of sufficient funds (typically around USD 1,500 per month).
2. Bureaucracy can be slow; expect multiple visits to immigration and local offices.
3. Private health insurance is strongly recommended, as public healthcare facilities may not meet expat expectations.

Source:

Official e-Visa website for Indonesia

The banking system in Indonesia is generally reliable and straightforward, with a good mix of local and international banks. Most banks require you to open an account in person, and doing so makes it much easier to manage daily expenses and local transfers. Major banks such as Bank Central Asia (BCA), Bank Mandiri, and BNI offer user-friendly mobile apps and often have English-speaking staff.

Your account options may depend on your visa type. In most cases, foreign residents need a valid passport, KITAS or KITAP (residency permit), and proof of address such as a rental agreement or utility bill. Some banks may also request a tax identification number (NPWP).

Tips:

1. Be prepared to meet minimum deposit requirements, which vary by bank and account type.
2. Ask about monthly fees, foreign transaction charges, and ATM limits before opening an account.
3. Bring extra documents, as requirements can differ between branches or cities.

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The healthcare system in Indonesia is a mix of public and private services, with the highest quality care found in major cities such as Jakarta, Surabaya and Bali. The public system is managed through the BPJS Kesehatan national health insurance program, which provides basic coverage for citizens and eligible residents. However, public hospitals can experience long wait times and limited English support, so most expats rely on private hospitals or international clinics for faster, higher-standard treatment.

Private facilities such as Siloam Hospitals, RS Premier, and International SOS are known for modern equipment, English-speaking staff, and efficient service. Expats are strongly advised to obtain private or international health insurance, as costs for quality care can be high without coverage. Note that private hospitals may require upfront payment or insurance guarantee letters before treatment.

What you need to know

1. In a medical emergency in Indonesia you can call 112 (general emergency number) or 118/119 for ambulance/medical support, depending on the region.
2. BPJS Kesehatan is Indonesia’s public insurance scheme, offering limited coverage mostly suited to basic or routine care.
3. Most expats choose private health insurance for reliable access to international hospitals and a wider network of specialists.
4. English-speaking doctors are common in private hospitals, especially in Jakarta and other major expat areas.

Source:

BPJS Kesehatan national health insurance program

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For families moving to Indonesia, understanding the school system helps make the transition smoother for children. Education standards vary widely, and the choice between local state schools, private schools, and international schools often depends on your location, budget, and language preferences.

State (public) schools in Indonesia are open to residents and follow a national curriculum taught primarily in Bahasa Indonesia. While they are in many cases more affordable, they may not always suit children who are new to the language or unfamiliar with the local system. Many expat families instead look to private or international schools for continuity and English-based instruction.

International schools tend to be concentrated in larger cities such as Jakarta, Surabaya, and Bali. They often offer globally recognised programs (for example the International Baccalaureate (IB), Cambridge International Examinations or an Australian curriculum) and instruction in English. These schools frequently place more emphasis on personalised learning, extracurricular activities and multicultural community, and they come with higher tuition fees.

Tips:

1. Check the school calendar — in many cases the school year starts around July and runs through mid-year, but private/international schools may use different schedules.
2. Some schools have entrance assessments or interviews, so start applications several months in advance.
3. Ask about second-language support if your child is not yet fluent in English or Bahasa Indonesia.

Sources:

Ministry of Education, Culture, Research and Technology

Association of National and Private Schools Indonesia (ANPS)

Finding accommodation in Indonesia depends heavily on your lifestyle, location and budget. In major cities such as Jakarta and Surabaya you’ll find apartment complexes (including serviced apartments) with shared facilities like gyms, pools and security, while in smaller towns and tourist-areas the typical options are houses, townhouses or private villas. Coastal regions and islands often offer rental options aimed at expats seeking a quieter or resort-style environment — though supply and cost vary widely.

Short-term rentals are popular among newcomers who want to test different neighbourhoods before committing long-term. Rental agreements vary greatly: in some the monthly rent includes utilities, maintenance and services (common in serviced apartments), while in others you’ll pay utilities separately. In many expat-friendly buildings long leases of around 12 months are common; serviced apartments may offer more flexible terms of 6 months, 3 months or even month-to-month depending on the property.

Indonesian law restricts foreign ownership of land — foreigners cannot normally own freehold land (Hak Milik) in their own name. However, there are legal alternatives such as long-term leases (Hak Sewa), “right to use” titles (Hak Pakai), or owning strata-title apartment units under certain conditions. More complex structures (for example a foreign-investment company, PT PMA) may be used for investment or commercial property ownership. Because of the legal complexity it’s wise to consult a local property lawyer or specialist.

Tips:

1. Confirm utility access and internet speed before signing any lease or agreement.
2. Visit multiple properties at different times to assess noise, traffic and neighborhood safety.
3. Read contracts carefully to check included fees, lease terms, and deposit requirements.
4. Use reputable agents or property managers to avoid scams or misrepresentation.

Source:

National Land Agency (Badan Pertanahan Nasional - BPN)

Moving to Indonesia is an exciting opportunity to experience a new culture, but careful preparation will make the transition much easier. From navigating visa requirements to arranging housing, starting early can help you avoid stress and unexpected delays.

Tips:

1. Begin your move at least six months in advance to handle visas, flights, and housing searches.
2. Research reputable international movers experienced with shipments to Indonesia and Southeast Asia.
3. Don´t take everything with you—Indonesia’s shipping costs depend on volume, so lighter loads are more cost-effective.
4. Keep all essential documents together, including passports, visas, vaccination records, and educational or work certificates.
5. Familiarize yourself with Indonesia’s customs rules; certain electronics, foods, or medicines may require special permits.
6. Clearly label all boxes and maintain a detailed inventory to speed up clearance at customs.
7. Arrange temporary accommodation for the first few weeks to settle in while exploring local neighborhoods.
8. Before shipping or moving, check the Indonesian Directorate General of Immigration website or your nearest Indonesian embassy for the latest visa categories and requirements, as these can change.

Sources:

Directorate General of Customs and Excise – Indonesia

FIDI – International Federation of International Movers

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Life in Indonesia offers endless ways to enjoy free time, whether you’re seeking relaxation, adventure, or cultural immersion. Many expats embrace local hobbies like yoga, cycling, or exploring traditional markets on weekends, blending everyday activities with the country’s vibrant culture. Waterfront walks, riverside cafés, and community parks provide low-key ways to unwind while observing local life.

Adventure seekers can explore active volcanoes, tropical forests, and hidden waterfalls, or join local clubs for surfing, diving, and hiking excursions. Meanwhile, cultural engagement is part of daily life: attending traditional dance performances, cooking classes, or craft workshops allows you to connect directly with Indonesian customs. The country’s growing café culture, modern malls, and music venues make it easy to socialize and find like-minded communities.

Tips:

1. Explore local communities and weekend markets to discover authentic experiences beyond tourist spots.
2. Join clubs, workshops, or sports groups to meet expats and locals with shared interests.
3. Take advantage of public parks, riverfronts, and cultural centers for low-cost leisure activities.
4. Keep an eye on festival calendars—religious and regional events offer unique cultural experiences.

Source:

Ministry of Tourism and Creative Economy – Indonesia

Life in Indonesia often follows local rhythms rather than the clock. Many neighborhoods feature vibrant morning markets, street vendors serving breakfast, and communal spaces where neighbors gather for conversation or tea. Daily routines are frequently intertwined with social and cultural interactions, making community engagement a natural part of life.

Urban centers like Jakarta or Bandung are bustling and fast-paced, but outdoor life remains important. Streets are shared by pedestrians, motorcycles, and bicycles, while parks, plazas, and riverfronts provide spaces to relax, exercise, or meet friends. In smaller towns and villages, life moves at a slower pace, with local traditions shaping daily routines, celebrations, and family gatherings.

Local habits & customs

Greetings: A handshake is common in professional contexts; a slight nod or “Selamat pagi” (good morning) is typical socially.

Respect and hierarchy: Using polite forms of address, such as “Bapak” (Mr.) or “Ibu” (Mrs./Madam), signals respect, especially toward elders or authority figures.

Modesty and etiquette: Dress conservatively in public spaces, particularly in religious areas, and remove shoes before entering homes or certain businesses.

Community focus: Participation in local events, from neighborhood gatherings to religious ceremonies, is valued and helps build relationships.

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Indonesia is generally more affordable than many Western countries, though costs vary by location. Jakarta and Bali tend to be more expensive than smaller towns. Here is a general breakdown of average monthly expenses for different household types to help you manage your budget.

Monthly expenses

Data correct as of October 2025

Sources: Numbeo, Copound - single person, Copound - family of four