The subject of the query, "kode bank 911," is a noun phrase that functions as a specific identifier. This numerical code, 911, is not a universal bank routing number used for general interbank transfers within the Indonesian national clearing system (SKN-BI) or Real-Time Gross Settlement (RTGS). Instead, it serves as the unique company code designated for PT Bank BTPN Syariah Tbk specifically for transactions related to topping up a GoPay digital wallet balance.
This type of code operates as a prefix for a virtual account number within a closed-loop or semi-closed-loop payment ecosystem. Unlike standardized bank codes which facilitate transfers between any two domestic banks, this identifier's function is context-specific. When a user initiates a GoPay top-up from their BTPN Syariah account, the code 911 is used in conjunction with the user's mobile phone number to create a destination account. The financial system of the GoTo Group (the parent company of GoPay) uses this prefix to correctly route the incoming funds from BTPN Syariah to the intended GoPay user's wallet.
In practical application, the sequence "911 + [GoPay Registered Phone Number]" constitutes the full virtual account number for the top-up transaction. This mechanism streamlines the payment process by assigning a predictable and easily generated identifier for a recurring financial action. Therefore, the significance of the code 911 is entirely dependent on its use within the GoPay top-up framework involving BTPN Syariah; it holds no function or validity in other banking transfer scenarios.
