Exact Costs, Deposit Rules & Hidden Fees for Bali’s Second Home Visa (E33)

Bali’s Second Home Visa (E33) lets you live in Indonesia for 5–10 years without working, but it comes with a hefty proof‑of‑wealth requirement and layered government, bank and agent fees. Below I unpack the exact 2026 numbers: the real second home visa Bali cost, the IDR 2 billion deposit rules, and the most common “gotcha” charges.

Quick definition: what you’re really paying for

The Second Home Visa E33 is a long‑term stay permit (ITAS) for financially strong foreigners who want to base themselves in Bali or elsewhere in Indonesia without employment income in Indonesia. You get 5 years initially (often extendable to 10), with multiple re‑entry, the right to bring family, and no need for an Indonesian sponsor – provided you meet the financial thresholds.

Government fees: what Immigration actually charges in 2026

Let’s separate hard government fees from everything else.

As of 2026, the second home visa E33 government fee is built from three components:

Visa approval (telex/e‑visa issuance): approx. IDR 3,000,000
5‑year ITAS (stay permit): approx. IDR 12,000,000
Multiple re‑entry permit (IMK) 5‑year: approx. IDR 6,000,000

So the second home visa Indonesia official price 2026 on the Immigration side sits in the region of IDR 21,000,000 per main applicant for a 5‑year stay. Some official calculators show slightly different bundled numbers (around IDR 7,000,000 for family followers because their stay permit piggybacks off the main holder), but if you are budgeting for yourself as the principal E33 holder, IDR 21 million is the realistic minimum for government fees alone.

That number is the “clean” state fee. Anything higher is either:

Service fees charged by your agent, or
Fast‑track / priority options, or
Bank and document costs around the required deposit.

The famous IDR 2 billion requirement: what it really means

This is the point everyone gets nervous about and searches: how much money do I need for Second Home Visa Bali?

For 2026, there are two officially accepted ways to show financial capability:

IDR 2 billion deposit Second Home Visa in a state‑owned Indonesian bank in your own name; or
Ownership of qualifying “luxury” property in Indonesia of at least approximately USD 1,000,000 (varies slightly by regulation wording and zone).

You do not need to pay IDR 2 billion to the government. It is not a fee. It is proof of assets, either as cash on account or as properly documented real estate ownership.

Second home visa Bali bank deposit vs property value

Here’s the trade‑off in practical language:

Bank route: You open a personal account with a state bank (BRI, BNI, Mandiri) and park the IDR 2,000,000,000 there. Easy to document, but ties up cash.
Property route: You show notarial proof that you own a qualifying property (Hak Pakai, apartment, etc.) with the minimum “luxury” valuation. Better if you already own the asset, but the legal structure must be clean, and not every villa contract qualifies.

For most new applicants in 2026, the second home visa Bali bank deposit vs property value decision comes down to timing: if you don’t already own a compliant property, buying one just to satisfy the visa is slower, more complex, and has its own tax and notary fees.

Are funds locked for Second Home Visa Bali?

This is the blunt version you won’t get in glossy brochures.

Regulation says you must demonstrate the funds (or property) within 90 days of arrival and maintain the qualifying status for the duration of your stay. In practice, that means:

You should treat the IDR 2 billion as “don’t touch” money for 5 years.
Immigration and banks reserve the right to re‑check balances or documentation, especially at extension or when you apply to upgrade to a 10‑year permit.
If the balance substantially drops below the floor and gets reported, you are technically in breach of the visa’s financial condition.

So while the funds are not “frozen” by law like a security deposit with Immigration, the honest answer to are funds locked for Second Home Visa Bali? is: they should be treated as locked for as long as you rely on them to keep your status.

Agent fees: what you pay professionals (and what you get)

This is where the biggest price variation lives, and where “hidden” costs sneak in.

In 2026, a realistic, transparent agent fee for Second Home Visa Bali for the main E33 holder looks like:

IDR 14–20 million standard full‑service package (from e‑visa until your ITAS is activated and card issued), excluding government fees.
IDR 20–25 million if you want priority processing, in‑person escort, and documentation management with your bank for the deposit proof.

When you see “Second Home Visa package 35–40 million” advertised, normally that includes:

The actual government fees (~IDR 21 million); plus
The agent’s professional fee (10–19 million); plus
Sometimes airport meet‑and‑greet, local address letters, and tax or property consultations.

Second Home Visa Bali is a niche product. You are not paying for paperwork only; you’re paying to not be the experiment while regulations are still evolving. That is precisely what we do with our concierge service.

Ongoing yearly fees for Second Home Visa

Here’s the good news: there is no annual “visa renewal” fee for the 5‑year period. You pay once for the 5‑year stay permit and multiple re‑entry.

But there are genuine ongoing yearly fees for Second Home Visa life in Bali that many people forget to budget for:

Health insurance (often required by regulation and certainly smart).
Periodic bank account maintenance fees on your IDR 2 billion deposit.
Tax compliance if you become an Indonesian tax resident (more on that below).
Optional agent retainer for address change reports, family visas, and compliance questions.

For my own clients, I tell them: assume at least IDR 15–30 million per year in “soft costs” around the visa, separate from your living expenses.

Health insurance: a real cost, not a footnote

Health cover is not just a tick‑box anymore. For long‑stay foreigners, Immigration and airlines increasingly ask for proof of insurance that covers hospitalisation in Indonesia.

For a realistic second home visa Bali health insurance cost in 2026:

50–60 years old: expect around IDR 15–30 million per year for a decent international or top‑tier local plan.
60–70 years old: more realistically IDR 25–50 million per year, depending on pre‑existing conditions and coverage limits.
Under 50: you might still find serious cover in the IDR 10–20 million per year range.

Cheaper “travel insurance” policies almost never satisfy the requirements for 5‑year stays or meaningful hospital bills in Bali. If you are building a second home visa Bali budget calculator, I would plug in IDR 25 million per adult per year as a responsible average.

Tax implications: the conversation most agents avoid

The second home visa Bali tax implications depend on one key concept: tax residency.

If you spend more than 183 days in Indonesia in any 12‑month period (or establish Indonesia as your habitual residence), the Tax Office can consider you an Indonesian tax resident. That can mean:

Taxation on your global income, not just money sourced in Indonesia.
Reporting of foreign bank accounts or structures, depending on how regulations evolve.
Possible benefits under double‑tax treaties if your home country has one with Indonesia, but you must structure this properly.

The visa itself does not charge a yearly tax. But the lifestyle and duration it allows may pull you into the tax net. For high‑net‑worth individuals using Second Home Visa E33 as a base to manage investments, I strongly recommend at least one session with a cross‑border tax advisor before your first year end in Indonesia.

Hidden and “surprise” fees to watch for

Here’s where people end up paying more than they expected:

Bank “administration” fees on the IDR 2 billion deposit: Some packages require opening premium accounts with higher monthly charges. Over 5 years, this can easily total several million rupiah.
Document legalisation & translations: Notarising and translating property deeds, marriage certificates or other supporting documents typically add IDR 3–8 million, depending on volume and language.
Family followers (E31) costs: Your spouse and children do not pay the full E33 fee, but each still has their own visa and stay‑permit costs and agent fees. For a family of four, your total bill can be almost double the headline package for a single person.
Address change reports: Moving house in Bali? Immigration notifications are mandatory. Most people hire their agent for each report, at IDR 1–2 million per instance.
Extension to 10 years: If you later upgrade or extend to a 10‑year stay, expect another round of government and agent fees, even if the original deposit requirement remains the same.

Building your 2026 Second Home Visa Bali budget (example)

Let’s build a simple, conservative second home visa Bali budget calculator for a single applicant coming from overseas in 2026 and choosing the bank deposit route:

Government fees (5‑year E33, incl. re‑entry): IDR 21,000,000
Agent fee (standard, not priority): IDR 16,000,000
Document translations & legalisations: IDR 5,000,000
Bank account setup & 5 years of admin fees: IDR 3,000,000 (conservative)
Health insurance (average over 5 years): IDR 25,000,000 per year × 5 = IDR 125,000,000

That gives a cash‑out budget of roughly IDR 170,000,000 over 5 years, plus the IDR 2,000,000,000 deposit, which you should consider tied up but still legally yours.

For a couple, multiply most of these by about 1.5–1.7 once you add your partner’s follower visa, insurance, and translations.

FAQ – money questions I get every week

1. Can I use investments (stocks, crypto, offshore accounts) instead of the IDR 2 billion bank deposit?

No. For the visa itself, Immigration wants either an Indonesian state‑bank account with the required balance in your own name, or qualifying property ownership documentation. Investment portfolios abroad don’t satisfy the formal requirement, although they are relevant for your overall financial planning.

2. Do I have to show the full IDR 2 billion when I apply, or only after I arrive?

Formally, you sign a commitment and then have up to 90 days after your ITAS is issued to present the proof (bank statement or property deed). In practice, I advise clients to have the funds ready before applying, because banks and transfers can be slower than expected, and you do not want to be chasing deadlines with Immigration.

3. What happens to my visa if my property drops below the “luxury” threshold in a market downturn?

The requirement is based on purchase value and documented contract, not current market fluctuations. However, if you refinance, transfer ownership, or materially change the structure, you may need fresh documentation. When in doubt, ask your advisor to review any planned property changes before you sign.

Next steps if you’re serious about Second Home Visa E33

If you’re ready to run the numbers and see whether Bali’s Second Home Visa fits your portfolio and lifestyle, start by reading:

If you prefer a structured, hand‑held process from day one, have a look at our concierge service or head back to home and explore other permits I handle.

Ready to talk real numbers for your situation? Send me a quick WhatsApp message with “Second Home E33” and your country of residence, and I’ll reply with a personalised cost breakdown and timeline.

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General information, not legal advice; fees are agency estimates, not government fees. We confirm the latest rules for your case before you apply.