Make Bali work
for your life.

A place you enjoy.
A life you can run.

Bali is a serious lifestyle choice for many people. Our founder, Spencer Tarring, knows the appeal from his own life in Indonesia. The useful conversation starts with an ordinary week: where you work, how you train, who you spend time with and what your family needs.

Before committing to a long lease, test the journeys you will make, the internet connection, workspace, noise and access to healthcare. Include insurance, school arrangements where relevant, a realistic spending plan and the cost of trips elsewhere. Your first month should help you make a better decision about the next twelve.

Set up an Indonesian company with a clear purpose.

We can coordinate Indonesian company setup and ongoing support through our corporate-service route, including Vistra, with the local delivery scope agreed for your activity. For foreign investment, the PT PMA is the company structure to assess with local advisers.

Describe what the business sells, who buys it, where it operates and your role. Then confirm the business classification (KBLI), foreign-ownership eligibility, capital, premises and licensing through OSS. A business identification number (NIB) is part of that process; the permissions needed to operate depend on the activity and risk level.

Agree the continuing work too: bookkeeping, tax filings, investment reporting where required, licence maintenance and a named person responsible for deadlines. The company needs to function after the incorporation documents arrive.

How will you invoice—and get paid?

Begin with the contract. Who is supplying the service: you, your overseas company or an Indonesian company? Where is the work performed, and who is the customer? That determines the questions for your accountant and immigration adviser before you send the first invoice.

1. Confirm the supplier and permission. Align the contracting entity, actual work and licences. An overseas company is not a blanket exemption from Indonesian rules.
2. Set the invoice and tax process. Agree the entity details, invoice numbering, payment terms, bookkeeping and any withholding or VAT obligations. A commercial invoice and a Faktur Pajak tax invoice serve different purposes; the latter is issued by a qualifying taxable entrepreneur (PKP) for the relevant taxable supply.
3. Match the payment route. Put the correct payee and account on the invoice, record fees and currency conversion, and reconcile receipts. Keep personal spending and company receipts distinct.

Bank Indonesia’s rules generally require Rupiah for domestic transactions, including price quotations, with specified exceptions such as qualifying international trade. Have the actual transaction checked before choosing a foreign-currency invoice.

Banking in Indonesia, properly prepared.

We can help with Indonesian banking preparation, relevant introductions and onboarding coordination. Start with what the account needs to do: daily living, customer receipts, payroll, supplier payments or international transfers. The bank and team are matched to the brief.

BCA is a published requirements example, not a claimed Commonwealth X partner. Account eligibility and acceptance remain with the institution.

After opening, check transfer limits, access while overseas, the mobile number used for authentication and who can authorise payments. Include a lost-phone procedure in your digital security strategy.

Which visa fits the life you intend to live?

These are starting points for a conversation with an immigration specialist. Nationality, passport, activities, sponsorship and supporting evidence matter. Visa validity for entry and the permitted length of stay are different dates.

Official Immigration pages checked 2 November 2026. Conditions and categories can change; confirm the live requirements before applying. This is a selected overview, not an eligibility decision.

We coordinate the application brief, document requirements, provider responsibilities and renewal calendar. Approvals remain with Immigration. Retirees, children, mixed-nationality families and other specialist circumstances may need a different category from those above.

Understand what you are buying.

A villa advertisement does not tell you enough about your rights. Establish who owns the land, which right is being offered, who can hold it, what you may do there and what happens at the end of the term.

Hak MilikFreehold land title

A foreign individual cannot hold this title. A PT PMA is not a way to turn foreign ownership into personal freehold. Do not rely on an Indonesian nominee holding title as though it were legally yours.

LeaseholdRights under a contract

A lease grants use on its agreed terms; it does not transfer freehold. Review the owner’s authority, term, renewal wording, permitted use, access, assignment and what happens to buildings or improvements.

Hak PakaiA registered right to use

Available in qualifying cases, including eligible foreign individuals. Immigration documents, the property, price and other statutory conditions matter. It is different from both a private lease and freehold.

Hak Guna BangunanA right to build · HGB

An eligible Indonesian legal entity, including an appropriately established PT PMA, can hold this right. It belongs to the company. Permitted activity, land status, term and extension conditions still need review.

Before a deposit or signature, commission independent legal and land-deed (PPAT) checks: title and encumbrances, boundaries and access, zoning, building approvals, intended use, taxes and the contract. A home for your own use and a villa you let commercially require different checks. Owning or leasing a building does not itself authorise a rental business.

Commonwealth X helps frame that brief and coordinate the appropriate local specialists. The legal opinion and title verification belong with the appointed professionals.

The questions people actually ask.