Country Overview
Indonesia is the world’s largest archipelago, comprised of over 17,000 islands with a rich cultural tapestry and diverse landscapes. Living in Indonesia offers a blend of vibrant city life and relaxed tropical living. The lifestyle varies from the fast-paced, modern capital city of Jakarta to the tranquil beaches of Bali and the historic temples of Yogyakarta. Expats often appreciate Indonesia’s friendly communities, affordable cost of living, and tropical climate – generally warm and humid year-round, with a rainy monsoon season typically from November to March. Major urban centers like Jakarta, Surabaya, and Bandung are economic hubs with growing opportunities, while regions such as Bali cater to tourism and digital nomads with a more laid-back atmosphere.
This comprehensive guide is designed to make your transition to life and work in Indonesia as smooth as possible. It walks you through essential steps – from obtaining the correct work visa and residence permit to setting up a bank account, accessing healthcare, and understanding taxes and the cost of living. Whether you’re still planning your move or already packing your bags, this practical, step-by-step guide will help you navigate the key aspects of Indonesian bureaucracy and daily life with confidence.
DOWNLOAD THE GUIDEABOUT US
Access Financial is the leading global provider of contract management, outsourced payroll and umbrella services. We offer customised and compliant solutions to corporate clients, recruitment agencies and professional contractors.
OUR ACCREDITATIONS & ASSOCIATIONS
22
years of experience confirm our competence
Employment in Indonesia
One of our solutions for workers in Indonesia is to operate through our umbrella company. We handle all billing, payroll and withholding deductions (e.g. income tax/social security) and payments on your behalf. You’ll receive full administrative support from us, while remaining responsible for your client work and deliverables.
OUR SOLUTIONS:
Employed / EOR
SERVICES
Agent of Record (AOR)
Our Agent of Record (AOR) service allows businesses to engage independent contractors worldwide with confidence.
Employer of Record (EOR)
We streamline your team management by overseeing hiring, payroll, taxes, benefits, and insurance, ensuring a seamless and compliant experience for your business.
Payroll Processing
Processing payroll is more than preparing payslips — it’s about accurate calculations, on time payments and strict compliance with tax and labour laws.
Business Expansion
We provide corporates and recruitment agencies with a turnkey solution: we establish and manage your local infrastructure so you can concentrate on winning clients and placing talent.
Immigration Assistance
Access Financial offers expert guidance and seamless solutions for all your international mobility needs.
Contract Management
Whether you are a freelancer or an employee needing compliant contracts, a recruiter looking to place talent quickly, or a business needing risk free engagement solutions, our team acts as your partner every step of the way.
Tax & Legal Compliance
Businesses, contractors and recruiters working internationally face complex labour and tax rules that vary by country and sector. Access Financial keeps pace with these changes so you don’t have to.
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Best choice
AF has greatly simplified the process of hiring and paying people for our company. The platform is highly intuitive and user-friendly, and the support team at AF has consistently exceeded our expectations in responding to our requests.
Antony Tonmberg
CEO
AF has made hiring internationally easy!
AF has significantly simplified our process of hiring international talent. They offer knowledgeable experts in each country, ensuring that we comply with local regulations for every hire.
Maria Kolesnikova
HR Director
Great platform and user-friendly
Access Financial provides me with a comprehensive, secure payroll platform that is user-friendly and operates on any device.
Andreas Koulogiras
Contractor
Thank you for your assistance
I like that WFM has a wide range of modules like timesheets, invoicing, expenses etc., which help me when working with different clients in Europe and Asia.
Kevin Corbet
Contractor
Since March 2022, I’ve been on this amazing journey with Access Financial
Honestly, it’s been the happiest and most fulfilling chapter of my career. Thank you for the trust, the learnings, and for being a part of this memorable journey. I genuinely wish for a bright and prosperous future for all of us.
Andreas
Contractor
If there is anything to remember about AF, it is the clarity, the honesty and the discretion
After several years of collaboration with you, I regret to announce my departure from AF. It has been a real pleasure to have made this part of road with you, and I wish you full success with other collaborators. I regret my departure from your company, but the rules decided otherwise.
Ahmed Mohammedi
Contractor
I’ve been using Access Financial services for more that one year and so far I’m fully satisfied with my choice
The company is providing prompt and valid support to all my needs as contractor and I recommend it.
Cesare Pittarello
Contractor
I want to take this opportunity to thank you for the good experience I’ve had the last 3 years working with AF
I feel a sense of trust in AF and for me that is what is most important in any business relationship.
Roy Harris
Haricom Limited
I would like to thank Access Financial Team for all your help on my urgent matter
A special mention to Louise and her commitment to help me promptly and in any possible way, even by disturbing some of her annual leave. You’re very lucky to have such people within your team!
Christos
Contractor
I want to thank Access Financial for your assistance with immigration
My special thanks to Team Europe, their service was very professional. They were always quick to respond, provide me with answers and solutions.
Luke Williams
Contractor
It was always a pleasure to work with AF
Before when I worked in Belgium and now in Germany, the service was always very pleasant. So yes, in the case I will need any umbrella company, I will surely contact only you.
Vlado
Contractor
I like the transparency you work with
I will let people know in my network with the services you provide.
Harshit
Contractor