Secure Your Retirement Visa in Bali Legally Before You Move

A retirement visa in Bali gives eligible foreign retirees a legal way to stay longer while enjoying the island’s lifestyle, warmer climate, wellness scene, and international community.  

With Bali recording 6.95 million direct foreign tourist arrivals in 2025 and more than 1.4 million foreign visitors in the first quarter of 2026 alone, the island remains one of Indonesia’s strongest destinations for both short-term visits and long-term living. 

For retirees, the key question is not only where to live but also how to stay legally, bring family, buy or lease property correctly, and avoid compliance mistakes that trigger deportation.

Key Takeaways

• Indonesia offers two retirement visa options: E33E for applicants aged 55+ without a sponsor, and E33F for sponsor-based retirement stays. 
• Both visas prohibit local employment, the sale of goods or services, and the earning of income sourced from Indonesia. 
• Retirees who stay more than 183 days in a 12-month period may become Indonesian tax residents and may need an NPWP, subject to applicable tax treaty rules. 
• E33E and E33F holders may qualify for Hak Pakai property rights under PP 18/2021, enabling property purchase planning subject to specific restrictions. 

Retirement Visa in Bali: E33E vs E33F at a Glance 

Feature	E33E (Silver Hair)	E33F (Standard Retirement)
Minimum age	55+	Commonly 60+ (varies by nationality; confirm with sponsor)
Local sponsor required	No	Yes
Financial requirement	USD 50,000 deposit in a state-owned Indonesian bank + USD 3,000/month income proof	USD 3,000/month income proof + USD 2,000 minimum 3-month bank balance
Stay period	Up to 5 years, extendable to 10	1 year, renewable annually
Multiple exit/re-entry	Included	Included
Family/dependents	Spouse, children, parents on matching-validity dependent permits	Spouse and eligible dependents via sponsor
Property eligibility (Hak Pakai)	Yes, once residency status is active	Yes, once residency status is active
Path to KITAP	Yes, after continuous residence	Yes, after continuous residence
Best suited for	Retirees who want fewer renewals and no sponsor dependency	Retirees comfortable with annual renewal and sponsor support

What Foreign Retirees Can Plan with a Bali Retirement Visa 

For eligible foreign retirees, a retirement visa provides a more stable legal basis for planning daily life, housing, family visits, and long-term residence in Bali. 

This can support foreign retirees in several practical ways: 

• Longer-Stay Certainty: E33E holders can plan for five to ten years without the annual paperwork required by E33F. 
• Family and Lifestyle Planning: E33E holders may bring eligible family members (spouse, children, and parents) to live in Indonesia on matching-validity-dependent permits, making it the more flexible option for retirees relocating as a household. 
• Compliance from Day One: A retirement visa helps align the purpose of stay, permitted activities, and long-term planning before retirees commit to housing, relocation, or property decisions. 

Property Purchase Benefits of a Bali Retirement Visa 

Holding a valid E33E or E33F visa opens a real, registered path to property ownership in Bali. Under PP 18/2021, foreigners with an active KITAS or KITAP (including holders of the Second Home Visa and retirement visas) are eligible to hold Hak Pakai (“Right to Use”), the strongest individual property title available to non-citizens in Indonesia. 

What Hak Pakai Gives a Retiree 

• A title registered directly under the retiree’s own name at the National Land Agency (BPN). It’s not a nominee for arrangement, and not a private lease contract. 
• A term of up to 80 years total, granted in three stages: an initial 30 years, a 20-year extension, and a 30-year renewal 
• Eligibility to hold landed houses or apartment/strata units for personal residential use, subject to a minimum purchase price that varies by regency. 
• The right to sell the property back to an Indonesian citizen (who can convert it back to Hak Milik) or transfer it to another eligible foreigner, and the right to pass it on through inheritance

READ MORE:

• How US Citizens Can Get a Retirement KITAS in Indonesia
• New Retirement Age in Indonesia: What Businesses Should Do Next
• 3 Ways to Get a Retirement Visa in East Java

What Retirees Should Plan For 

• Hak Pakai is limited to one residential property per foreigner or family unit and cannot be used for operating a commercial rental business in the retiree’s name. 
• The title is linked to the visa, and if the residency permit lapses, the retiree risks losing the title. Keeping the E33E or E33F current protects the property investment. 
• Retirees looking to rent out a villa for income need a different structure, such as an HGB (Right to Build) through a PT PMA, as a retirement visa does not allow this activity. 
• PP 28/2025 streamlined the licensing and OSS processes for property permits in 2025–2026 but left Hak Pakai’s duration, residency requirements, and freehold restrictions unchanged. 

InCorp Indonesia (an Ascentium Company) can coordinate both the visa application and the property due diligence, so retirees aren’t managing two disconnected processes with two separate providers. Talk to our team -> 

What Retirees Can and Cannot Do with a Retirement Visa 

A retirement visa gives eligible foreign retirees a legal basis to live in Indonesia, including Bali. However, the visa still comes with permitted activities and restrictions that must be followed. 

What Retirees Can Do 

• Live in Indonesia for the full approved stay period under a valid E33E or E33F permit. 
• Travel in and out of Indonesia using the built-in Multiple Exit and Re-entry Permit (MERP). 
• Engage in tourism, leisure, and lifestyle activities. 
• Purchase goods for personal use, including eligible residential property under Hak Pakai. 
• Visit and host family and friends long-term. 

What Retirees Cannot Do 

• Overstay their visa validity. An extension or an Exit Permit Only (EPO) must be processed before the expiry date. 
• Take local employment or receive a salary from an Indonesian company. 
• Sell goods or services locally without the correct permit, even informal or small-scale sales. 
• Manage or actively run a local business, including operating a purchased property as a commercial rental without the correct licensing structure. 
• Perform consulting, content creation, or substantial remote work without prior visa review.  

For foreign retirees in Bali, the safest approach is to review planned activities before applying. If the goal includes work, business, or remote income, another visa route may be more suitable than a retirement visa. 

Retirement Visa vs Remote Worker Visa in Bali 

Not every foreigner moving to Bali is fully retired. Some want to stop working entirely, while others continue to work remotely for a company outside Indonesia. 

Featured	Retirement Visa (E33E/E33F)	Remote Worker Visa (E33G)
Purpose	Non-working long-term residence	Living in Indonesia while working for a foreign employer/client
Income source	Passive (pension, investments)	Active remote employment or freelance income from abroad
Age requirement	Yes (55+ / typically 60+)	No
Local income allowed	No	No (income must originate outside Indonesia)

The retirement visa is more suitable for eligible foreign retirees who want to live in Bali without working locally. The remote worker visa is more suitable for foreigners who still earn income from an overseas company while staying in Indonesia. 

For applicants unsure which category fits, InCorp Indonesia (an Ascentium Company) can review the purpose of stay, income source, sponsor needs, and planned activities before submission. Talk to our team -> 

Tax and Long-Term Compliance Considerations 

Retirees who spend more than 183 days in Indonesia within a 12-month period become Indonesian tax residents and typically need an NPWP (Tax ID) to open certain bank accounts, buy a vehicle, or complete property registration.  

Indonesia’s Double Taxation Agreements with more than 60 countries, including the US, UK, and Australia, generally prevent foreign pensions from being taxed twice. Still, the specific treatment depends on the retiree’s home country and pension structure. 

InCorp’s tax advisory team can review alongside the visa and property application.

Retire Legally with Retirement Visa in Bali 

Applying for a retirement visa in Bali is not only about submitting forms. Applicants must choose the appropriate visa category, prepare financial documents correctly, verify sponsor requirements, align activities with visa conditions, and avoid mistakes that could delay the application. 

InCorp Indonesia (an Ascentium Company) can assist foreign retirees with: 

• Visa Route Review: Assess eligibility for E33E, E33F, or E33G based on the applicant’s purpose of stay. 
• Document and Application Support: Help prepare financial documents, meet visa requirements, handle submissions, and manage biometrics. 
• Sponsor and Extension Guidance: Support sponsor needs where applicable and guide visa extensions as needed. 
• Relocation and Property Guidance: Assist with Hak Pakai eligibility, title registration, and property-rights considerations under PP 18/2021. 

Planning to retire in Bali? Fill out the form below to start with a free visa eligibility review. 

Frequently Asked Questions