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Indonesia Second Home Visa vs Retirement KITAS: E33 and E33F Compared

The E33 Second Home Visa looks at how much money you hold. The E33F Retirement KITAS looks at your age and your income. This post compares the two on deposits, age, work rules, renewals, and tax residence.

Pura Ulun Danu Bratan temple on Lake Bratan, Bali, Indonesia.
Photo by Vyacheslav Argenberg, CC BY 4.0, via Wikimedia Commons

Published: 2026-10-16 · Last verified: 2026-10-16 · Numbers apply to US passport holders

Rules change. Confirm the current rules with the official sources linked below before you apply, pay a fee, or book travel around a date in this guide.

The short version

US passport holders can use either the E33 Second Home Visa or the E33F Retirement KITAS to live in Indonesia without a job there. Neither one allows local employment. The difference is what each one tests. The E33 checks money you hold: IDR 2,000,000,000 (about USD 130,000) in an account in your own name at an Indonesian state owned bank. It has no minimum age, and one grant lasts 5 years. The E33F checks age and income: you must be 55 or over and show a pension or other income. One grant lasts 1 year. Full details on both routes are on the Indonesia country page.

Side by side

Deposit and income math

E33: the IDR 2,000,000,000 is a balance you keep, not a fee. The money stays in your own account and is never paid to the state. You have 90 days from the date the stay permit is issued to put the funds in an account in your name at a state owned bank and show them to immigration. The only government charge is the IDR 21,000,000 visa fee. Spread over the 5 year grant, that is IDR 4,200,000 a year, or IDR 350,000 for each month of the permit. Any new grant means qualifying again, including the funds test.

E33F: sources give two different income figures. The retirement regulation says at least USD 1,500 a month, which is USD 18,000 a year. The current e-visa portal checklist, as copied in agent documents, asks for at least USD 3,000 a month, which is USD 36,000 a year. Plan to be tested at USD 3,000 a month. The USD 2,000 bank statement covering the last 3 months is a separate requirement on top of the income proof.

In practice, the E33 tests a lump sum and the E33F tests ongoing income. Someone 55 or older with USD 36,000 a year in pension income but no USD 130,000 in savings fits only the E33F. Someone under 55 fits only the E33, no matter how much income they have.

Age eligibility

The E33 has no minimum age. The E33F starts at 55. If you are under 55 and do not plan to work in Indonesia, the E33 is the only one of these two routes open to you. If you are 55 or older, both are open, and the choice comes down to deposit versus income, and 5 year grants versus 1 year grants.

Work permissions

Neither permit allows a local job. E33 holders may not work in an employment relationship in Indonesia. E33F holders may not work for an Indonesian employer or earn money from an Indonesian entity. If you plan to earn money while living in Indonesia, look at the separate work and remote worker routes on the Indonesia country page. Do not assume either of these two permits covers it.

5 years vs 1 year: counting renewals

Over a 5 year stay, the E33 takes one application, and that one application covers the visa, the limited stay permit, and the multiple entry re-entry permit. The E33F takes 5 filings: the first grant and 4 annual renewals. Each renewal must be filed within 1 month before the permit expires, and you must be in Indonesia when you file. So your travel plans have to put you in the country during that window every year.

Processing times are reported, not official. Agents who walk through the portal process say an E33 decision comes 3 to 5 working days after payment. For the E33F, they say regular processing takes up to 14 business days and priority up to 7. An E33F visa must be used within 90 days of issue.

Permanent residence: the E33F can be converted to a KITAP after 5 consecutive years. Two independent program guides report that E33 holders can convert after 3 years, while the general rule for KITAS holders is 5 consecutive years. The 3 year figure is not confirmed officially, so plan on 5. A KITAP lasts 5 years at a time and can be renewed with no limit. Naturalization requires at least 5 consecutive years, or 10 non-consecutive years, of legal residence. You must also speak Indonesian and give up your other citizenship, which for a US passport holder means giving up US citizenship.

Tax residency on either permit

The tax rules are the same for both permits. Under the Income Tax Law, you become an Indonesian tax resident if any one of these applies: you are domiciled in Indonesia, you are present for more than 183 days in any 12 month period, or you are present during a tax year with the intention to reside. Both permits are valid for longer than 183 days. The Directorate General of Taxes treats holding a stay permit valid for more than 183 days as evidence of intention to reside, and it says second home visa holders are generally treated as tax residents. Indonesian tax residents are taxed on worldwide income. US citizens also stay subject to US tax on worldwide income, so plan for filing in both countries and for relief through tax credits or the treaty.

The 183 day count runs over any rolling 12 month period, not the calendar year. Staying under 183 days does not protect you if domicile or intention to reside already applies.

Which one fits

Before you apply

Check the current E33 and E33F requirements on the official e-visa portal of the Directorate General of Immigration before you move any money or book travel. The E33F income figure is the most likely to differ from what you read here, because published sources still disagree on it. Fees in rupiah and the deposit amount are set by regulation and can change. The deposit's USD equivalent changes with the exchange rate. For other Indonesian routes, including the remote worker visa and the golden visa, see the Indonesia country page.

Country pages

Official sources

Facts in this guide last verified against the sources: 2026-10-16