Retire in Bali: Indonesia's Retirement Visa and Second Home Visa Explained

You would not be reading about Bali retirement visas unless Indonesia was already on your shortlist. This guide is for people who want the official age, income and deposit rules first, not travel tips.

Imagine you are 58, with a steady pension and a picture of a small house near the beach in Sanur. Indonesia gives you three doors. One needs a local sponsor. One needs a bank deposit. One has no age limit at all, but asks for much more money.

The short answer: As of November 2026, Indonesia's retirement visas are for people aged 55 or older (Permenkumham 11/2024, 2024). The 1-year retirement visa (index E33F) needs a sponsor and proof of income of at least US$3,000 a month. The government fee is Rp7,000,000 (Directorate General of Immigration, E33F, November 2026). The 5-year version (E33E) needs no sponsor, the same income, and a US$50,000 deposit in a state-owned Indonesian bank (Imigrasi, E33E, November 2026). The Second Home Visa (E33) has no age rule on its page. It asks for US$130,000 in a state-owned bank, or an apartment worth US$1 million (Imigrasi, E33, November 2026).

Indonesia's retirement routes at a glance

In dollars, Rp7,000,000 is about US$384 and Rp13,000,000 is about US$713. We used about Rp18,244 per US dollar, from European Central Bank reference rates on 13 November 2026.

To compare these rules with other countries, try our retirement visa finder.

Which route fits you?

Ask yourself three questions:

• Are you 55 or older? If not, only the Second Home Visa is open to you.
• Do you have a local sponsor? The 1-year E33F needs one. The 5-year E33E and the Second Home Visa do not.
• Can you park money in an Indonesian state bank? E33E needs US$50,000. The Second Home Visa needs US$130,000.

For many retirees, E33E is the middle option. You avoid yearly renewals and a sponsor, and the deposit is far lower than the Second Home Visa.

The 1-year retirement visa (E33F)

The official page calls it the second home visa for older people, for one year. Here is what it asks for (Imigrasi, E33F, November 2026):

• a sponsor, who applies for you through the e-Visa site
• a passport valid for at least six months
• a bank statement for the last three months, in your name or your sponsor's, with at least US$2,000
• proof of pension or allowance of at least US$3,000 a month
• a recent photo, a CV and a travel plan

The visa must be used within 90 days. Your stay permit (ITAS) is issued when you enter. You can extend it online. Processing takes five working days after payment.

The age rule is not on that page. It is in the regulation. Permenkumham 11/2024 lowered the age for these visas to 55 and set the US$3,000 income rule in law (Permenkumham 11/2024, 2024).

What about renting a house and hiring local staff?

You may read older guides that say you must rent a house and employ Indonesian staff. Those conditions are not on the current official E33F or E33E pages. Health insurance is not on the current list either. Ask your sponsor to confirm the full list before you apply.

The 5-year route (E33E)

E33E is for people aged 55 or older who want to stay without a sponsor (Imigrasi, E33E, November 2026). You need:

• the same US$2,000 bank statement and US$3,000 monthly income
• a signed commitment to keep at least US$50,000 in your own name at a state-owned bank in Indonesia

You must make that deposit and report it to the immigration office within 90 days of entering Indonesia. You must keep at least that amount for as long as your permit lasts. The first permit lasts up to five years. You can extend it, but your total stay on this permit cannot pass 10 years.

The Second Home Visa (E33)

The Second Home Visa is for foreigners who want to live in Indonesia without a sponsor (Imigrasi, E33, November 2026). Its page does not set an age limit. Within 90 days of getting your stay permit, you must prove one of these:

• at least US$130,000 in your own name at a state-owned bank
• an apartment in Indonesia worth at least US$1,000,000

The first permit lasts up to five years, with a 10-year total. You must keep the deposit or property while you stay.

A warning about old figures. An information box on the e-Visa site still lists a personal bank balance of Rp2,000,000,000 and a cost of IDR 21,000,000 for a second home visa (Indonesian e-Visa, November 2026). The main immigration page shows US$130,000 and Rp13,000,000. Check which figure applies on the day you apply.

Can you work?

The E33 and E33E pages say you may do other activities, including work, if you report a dual activity to the immigration office that issued your permit. The E33F page says you may not work outside what your permit allows. Get advice before you earn any money in Indonesia.

Official fees in rupiah

Sources: Imigrasi, E33F, E33E and E33, November 2026. These are government fees under Government Regulation 45/2024. If your application is refused, the fees are not refunded. Sponsors and agents charge their own fees on top.

Health insurance: not on the list, still essential

The current official pages do not list health insurance as a visa requirement. That does not mean you can skip it. If you fall ill in Bali with no cover, you pay the bill yourself. Check the age limits on any policy before you buy. Our guide to health insurance for retirees over 75 abroad explains your options.

The path to permanent stay (KITAP)

Indonesia's permanent stay permit is called ITAP, often known as KITAP. The rules allow holders of a second home stay permit, including retirees aged 55 or older, to switch to ITAP (Permenkumham 11/2024, 2024). An ITAP is issued for five years at a time (Permenkumham 22/2023, 2023).

You must apply no later than 30 days before your current permit ends, and sign an integration statement (Imigrasi, ITAS to ITAP, November 2026). That page still shows an age of 60 for this group, while the 2024 regulation says 55. It also gives no minimum waiting time. Ask the immigration office that issued your permit before you plan around it.

Tax: the 183-day rule

Indonesia taxes its tax residents on income from inside and outside the country. A foreigner becomes a tax resident by living in Indonesia, by staying more than 183 days in 12 months, or by being in Indonesia during a tax year with the intention to live there (Directorate General of Taxes, November 2026). A special rule that taxes only Indonesian income is for foreigners with certain work skills, not for retirees (DJP article, November 2026). Tax treaties may change the result for your pension. See our guide to countries that do not tax foreign pensions, and speak to a regulated tax adviser before you move.

How to apply, step by step

1. Choose your route. Check your age, your income proof and how much you can deposit.
2. Find a sponsor if you choose E33F. The sponsor needs an account on the e-Visa site and applies for you.
3. Prepare your files. Passport, three months of bank statements, pension letters, photo, CV and travel plan, as PDF or JPEG.
4. Pay the fee and wait four or five working days for a decision.
5. Enter Indonesia within 90 days of the visa being issued. Your stay permit starts at the border.
6. Make your deposit within 90 days if you chose E33E or E33, and report it to the immigration office.

Common mistakes

Is Bali the right choice?

Bali is not the only option for a warm retirement in Asia. If you have more savings, compare Malaysia's MM2H tiers. If you want lower income rules, compare Thailand's retirement visas and the Philippines SRRV. Our guide to the best countries to retire abroad puts them side by side.

Frequently asked questions

What is the minimum age for a Bali retirement visa?

The minimum age is 55. A 2024 regulation lowered it from 60. The 5-year E33E page also says 55. The Second Home Visa (E33) has no age limit on its official page.

How much money do I need for the Indonesia retirement visa?

You need proof of pension or allowance of at least US$3,000 a month, plus a bank statement with at least US$2,000 for the last three months. For the 5-year E33E, you also need US$50,000 in a state-owned Indonesian bank within 90 days of arrival.

How much does the Bali retirement visa cost?

The government fee for the 1-year E33F is Rp7,000,000, about US$384. The 5-year E33E costs Rp13,000,000, about US$713. Sponsor and agent fees are extra.

What is the Second Home Visa deposit?

The official E33 page asks for at least US$130,000 in your own name at a state-owned bank, or an apartment worth at least US$1,000,000. An older information box on the e-Visa site still shows Rp2,000,000,000. Confirm the current figure before you apply.

Do I pay tax in Indonesia as a retiree?

If you stay more than 183 days in 12 months, or live in Indonesia with the intention to stay, you can become a tax resident. Tax residents are taxed on worldwide income. A tax treaty may change how your pension is treated, so ask a regulated tax adviser.

Can a retirement visa lead to permanent residence?

The rules allow second home and elderly permit holders to switch to an ITAP, a permanent stay permit issued for five years at a time. The official page does not state a minimum waiting time. Ask your immigration office before you plan around it.

Your next step

Bali can offer warm mornings and a slower pace. Indonesia asks you to prove steady income, and for the longer routes, to keep money in a local bank. Be sure your budget still works if the rupiah moves or your health changes.

If you are still choosing a country, take our free migration assessment to see which options fit your money and plans.

This article is general information, not legal, immigration or tax advice. Rules and figures change. Always confirm with the official source and a regulated adviser before you act.