PT Bank Syariah Indonesia (Persero) Tbk. (BRIS), or BSI, is strengthening its service network and digital infrastructure for payment of the Hajj Pilgrimage Travel Cost (Bipih) for Indonesian prospective pilgrims in 1448 H/2027 M. BSI has readied its branch network, the BYOND by BSI app and more than 135 thousand BSI Agents.

Payment schedule

The Ministry of Hajj and Umrah (Kemenhaj) opened first-stage regular Bipih payments on 10 November-10 December 2026. The second stage is scheduled for 16-31 December 2026. BSI said it has made sure all transaction infrastructure and service resources are ready, both through digital channels and face to face.

BSI's role

BSI Sales and Distribution Director Anton Sukarna said BSI, as Indonesia's largest Islamic bank and one of the banks with the largest hajj customer base nationwide, is responsible for giving optimal service. "We are optimizing all service channels so the public has options suited to their needs and conditions. Currently, about 8 out of 10 regular prospective pilgrims entitled to pay in full are BSI customers," he said at the Ngopi Media Regular Hajj Payment Outreach event at Agreya Coffee, Jakarta, on Thursday (12/11/2026).

Based on BSI Hajj Savings customer data, 162,712 regular prospective pilgrims (80% of the national quota of 203 thousand) and 9,844 special hajj pilgrims are entitled to pay in the first stage. Most entitled pilgrims come from East Java, Central Java and West Java.

How to pay through BYOND by BSI

Payment can be made digitally without visiting a branch. The steps: log in to the BYOND app, select the Pay menu, then Hajj and Umrah, then Hajj Payment. Customers choose the source account, enter the portion number, confirm the data is correct, and enter their transaction PIN. After a successful payment, customers receive a receipt as proof of payment.

For prospective pilgrims who need in-person help, BSI is optimizing its branch network and BSI Agents across regions. BSI Agents widen access to Islamic banking services, especially for people in areas far from branch offices.

Education, security and cards for the Holy Land

BSI is strengthening education on payment schedules, administrative requirements and document readiness through social media, its official website, BSI Call 14040 and information at branches. Prospective pilgrims are urged to heed the health istithaah requirements set by the government, including the need to hold an istithaah certificate.

BSI also assures the reliability of its systems and the security of digital transactions during the payment period to protect customers' funds and data. Prospective pilgrims are educated to prepare for transactions while in the Holy Land using the BSI Mabrur Debit Card and the BSI Hasanah Card, which can be used for payments and cash withdrawals at ATM networks in Saudi Arabia so there is no need to carry large amounts of cash.

Quota and cost rules from the government

Kemenhaj Director of Domestic Hajj Services Nurchalis said the government has prepared the payment stages in a measured way so that departures run in an orderly, transparent and certain manner. Indonesia's hajj quota this year is 221,000 pilgrims, consisting of 203,320 regular pilgrims and 17,680 special hajj pilgrims. He urged pilgrims within the quota allocation to heed the requirements and schedule and not delay payment. "Support from banks, including BSI, is an important part of ensuring the payment process can run easily, safely and comfortably for pilgrims," he said.

The regular Hajj Operational Cost (BPIH) for 2026 is set at Rp98,466,351 per pilgrim. The Bipih each pilgrim pays differs by embarkation point. The amount to be paid in full is the difference between the Bipih for the embarkation point and the Rp25 million initial deposit paid earlier.

Regular BPIH by embarkation point:

1. Aceh: Rp43,695,779
2. Medan: Rp44,020,279
3. Padang: Rp44,148,779
4. Balikpapan: Rp49,891,779
5. Banjarmasin: Rp50,128,779
6. Lombok: Rp50,366,779
7. Batam: Rp51,531,279
8. Palembang: Rp52,161,279
9. Solo and Yogyakarta: Rp52,710,779
10. Jakarta: Rp53,543,779
11. Kertajati: Rp55,101,279
12. Makassar: Rp55,428,465
13. Surabaya and Dhoho: Rp58,146,279

BSI said it is committed to being the government's strategic partner in integrated hajj financial services, with assistance from preparation and departure through to pilgrims performing worship in the Holy Land.

Sources

• BSI (BRIS) Buka Pelunasan Ongkos Haji, Ini Jadwal dan Biayanya — CNBC Indonesia (Zefanya Aprilia), 12 November 2026 19:05. https://www.cnbcindonesia.com/market/20261112182627-17-784790/bsi--bris--buka-pelunasan-ongkos-haji-ini-jadwal-dan-biayanya