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PT Bank CIMB Niaga Tbk (CIMB Niaga), established in 1955, is Indonesia's second-largest private bank. The bank celebrated its 70th anniversary in 2025. Over the decades, CIMB Niaga has continued to deliver sustainable financial services and long-term value to individuals, businesses, and communities through digital innovation and customer-centric strategies.
In terms of scale, CIMB Niaga serves approximately 9.1 million customers in Indonesia. As of March 31, 2025, the bank operates 397 branches (including 34 digital lounges), 3,148 ATMs and 688,992 EDC terminals, QR payment points, and e-commerce card payment systems nationwide, while employing 11,829 people.
In terms of financial performance, CIMB Niaga achieved consolidated pre-tax profits of IDR 2.2 trillion in Q1 2025, a year-on-year increase of 3.2%. During the same period, the bank's total consolidated assets reached IDR 371 trillion, while its Capital Adequacy Ratio (CAR) stood at 24.8% and Loan-to-Deposit Ratio (LDR) at 89.3%, reflecting strong capital strength and prudent liquidity management.
CIMB Niaga's Net Promoter Score (NPS) in 2024 was 57, indicating high customer satisfaction and loyalty. In 2025, CIMB Niaga received widespread industry recognition for its service excellence and digital innovation, winning numerous accolades that include the Most Trusted Financial Brands Awards 2025 presented by Investortrust.id and Infovesta Utama, as well as The Most Innovative Digitalization of Conventional Bank 2025 for Banking Services Modernization through Various Digital Initiatives at Indonesia Digital Innovation Awards 2025 from Warta Ekonomi.
CIMB Niaga VA is a virtual account payment service offered by CIMB Niaga that serves more than 3 million Indonesian users. Through CIMB Niaga VA, users can easily complete payments via bank transfer, providing flexible payment options for consumers who are less accustomed to digital payment methods, as well as those in remote areas with growing purchasing power.
Properties
The following table lists the product properties supported by CIMB Niaga VA:
|
Payment type |
Online banking |
||
|
Acquirer |
AntomSG |
Refund |
❌ |
|
Merchant entity location |
SG, HK |
Partial refund |
❌ |
|
Buyer country/region |
Indonesia |
Refund period |
❌ |
|
Processing currency |
IDR |
Time to return payment result |
Real-time |
|
Payment flow |
Redirect |
Chargeback/Dispute |
❌ |
|
Minimum payment amount |
IDR 10,000 |
Customise the timeout |
✔️ |
|
Maximum payment amount |
IDR 100,000,000 |
Default timeout |
48 hours |
User experience
Note: The following payment flows on different terminals are for reference only. For supported merchants' terminal types, consult Antom Technical Support.
The following screenshots show the journey of paying with CIMB Niaga VA through WAP.
FAQ
1. What is CIMB Niaga VA (Virtual Account)?
A virtual account is a non-physical account generated by the system. Typically, the bank assigns a unique customer identification number to each transaction, which functions as a dedicated virtual account number. After obtaining a virtual account, users can use it according to their payment needs. Businesses can also apply for virtual accounts to support various transaction scenarios.
2. Why is CIMB Niaga VA well-suited for the digital payment preferences of Indonesian consumers?
Indonesia's digital finance is developing rapidly, with digital payment transaction volume increasing by 38.08% year-on-year in Q3 2025. Local consumers place strong trust in domestic banking systems while preferring accessible, contactless, and fully digital payment methods. As a virtual account solution launched by a leading local bank, CIMB Niaga VA combines the credibility of the banking system with the convenience of automated online payments, making it highly aligned with Indonesian consumers' core payment preferences of security and accessibility.
3. Is CIMB Niaga VA suitable for SMEs? Are there any integration barriers?
CIMB Niaga VA is highly suitable for SMEs. Merchants can achieve integration through Antom without additional technical barriers. To do so, merchants simply need to complete the standard business verification and compliance review process on Antom before requesting activation. Once that is done, payments are automatically verified and reconciled, eliminating the need for dedicated operational maintenance and significantly reducing operating and management costs for SMEs.
4. Is the payment process for CIMB Niaga VA complicated? Is it easy for Indonesian users to use?
The payment process is simple and closely aligned with Indonesian consumers' existing bank transfer habits. After selecting CIMB Niaga VA as the payment method, users receive a dedicated virtual account number. They can then complete the transfer via CIMB Niaga mobile banking or online banking services. Once the transfer is made, the system automatically verifies and confirms the payment, providing a smooth and straightforward payment experience without complicated steps.
