BANK TRANSFER
Official Payment Information for National/International Students
Enigma Business School (EBS) provides secure and verified payment channels for students around the world. In addition to digital payment platforms such as PayPal, Wise, Stripe, and Credit Card, students may complete their tuition fee payments through an official bank transfer. This page outlines the authorized bank transfer information and important instructions to ensure smooth and accurate processing of tuition payments.
Official Bank Account Details
Bank Name: Bank Negara Indonesia (BNI)
Account Name: PT Enigma Group Indonesia
Account Number: 2083973412
SWIFT / BIC Code: BNINIDJAYGY
Bank Address: BNI Yogyakarta Branch, KCP KHA. Dahlan
Currency Accepted: USD (United States Dollars)
Please ensure all payments are made in USD to avoid delays or additional conversion charges.
Payment Instructions
To complete a bank transfer successfully, students must follow these guidelines:
1. Include Student Information
When sending the transfer, include:
Full Name
Program Name
Student ID (if already received)
Email Address
This information ensures EBS can match the payment to the correct student account.
2. Use Only the Official Bank Account
Payments sent to unauthorized bank accounts or personal accounts will not be recognized. EBS is not responsible for:
Payments sent to incorrect accounts
Transfers made outside official channels
Fees charged by intermediary banks
Always verify payment details before making a transfer.
3. Cover All Transfer Fees
Students are responsible for ensuring that:
Their bank covers all transaction fees
The full tuition amount arrives in the EBS account
Shortages due to bank fees must be corrected by the student.
4. Upload Payment Receipt
After completing the transfer, students must upload the payment proof through:
The Finance Office will verify and update the student’s payment status.
Processing Time
Bank transfer verification may take:
2–7 business days for international transfers
2–3 business days for regional transfers
Processing times depend on the sending bank, intermediary banks, and international routing. Students will receive a confirmation email once the payment has been successfully recorded.
Security & Fraud Prevention
To protect students and maintain financial integrity:
EBS does not use personal bank accounts for tuition payments
EBS will never request payment through unofficial channels
- This provision is excluded if students carry out the enrollment process through an official EBS partner.
Always confirm bank details from the official website
Suspicious requests should be reported immediately to:
Email: finance@enigmabusinessschool.id
Refund for Bank Transfer Payments
Refunds (if eligible under the Refund Policy) will be issued:
To the same originating bank account
In USD
After verification of student identity and payment history
- Administration fee may apply
Refund processing may take additional time based on international banking procedures.
Common Payment Errors and How to Avoid Them
Sending payments in local currency (should be USD only)
Incorrect account number or SWIFT / BIC code
Missing student information in the transfer notes
Uploading unclear or incomplete payment receipts
Using unauthorized agents or intermediaries
Double-check all details to ensure smooth processing.
Institutional Statement
EBS is committed to providing secure, transparent, and reliable payment methods for its global student community. The Bank Transfer option is designed for students who prefer traditional financial channels while maintaining international standards of safety and accuracy.
For any questions regarding tuition payments, students may contact:
Finance Office – Enigma Business School
Email: finance@enigmabusinessschool.id
Website: www.enigmabusinessschool.id