Paying motor vehicle tax is an obligation for every vehicle owner. But what if the Vehicle Ownership Document (BPKB) is not yet in your hands—perhaps because your vehicle is still under financing or in the process of a name transfer?
Don’t worry. You can still pay your vehicle tax without a BPKB, both for the annual tax and the five-year tax renewal, as long as you meet all the applicable requirements. Here’s the complete guide!
Can You Pay Vehicle Tax Without a BPKB?
The BPKB is not the main requirement for paying annual vehicle tax, meaning you can still fulfill your tax obligations without it. At the Samsat office, officers only require the original Vehicle Registration Certificate (STNK) and the owner’s National ID card (KTP) as listed on the STNK.
However, for the five-year tax—which includes STNK renewal, license plate replacement, and a physical vehicle inspection—the BPKB becomes a mandatory requirement. If you don’t have it, you’ll need to provide a supporting letter from the leasing company or a BPKB guarantee statement.
In some regions, the Traffic Directorate has allowed the five-year tax renewal process to proceed even if the BPKB is still held by the leasing company, provided you follow special procedures, such as presenting an official statement and bringing your vehicle for physical inspection.
Requirements for Paying Vehicle Tax Without a BPKB
Before processing your annual or five-year vehicle tax payment without a BPKB, make sure you’ve prepared the following documents to ensure a smooth process at Samsat:
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Original STNK and a photocopy as proof of vehicle ownership.
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KTP of the vehicle owner (matching the STNK) and a copy.
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A guarantee letter from the leasing company if the vehicle is still under financing and the BPKB is being held.
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Proof of the previous year’s tax payment for verification.
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Vehicle insurance policy (if available) as supporting documentation.
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A stamped power of attorney, if someone else is handling the payment on your behalf.
For vehicles under financing, don’t forget to request an official letter from the leasing company confirming that the BPKB is being held as collateral. In most cases, the leasing company will also provide a photocopy of the BPKB to complete your requirements.
As the legal basis, the Motor Vehicle Tax (PKB) is regulated under Law No. 28 of 2009 on Regional Taxes, which states that PKB is imposed on the ownership and/or control of motor vehicles.
Meanwhile, Law No. 22 of 2009 on Road Traffic and Transportation stipulates that the STNK and license plates are valid for five years, with mandatory annual validation. The required documents differ depending on the type of tax:
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Annual tax: Original STNK, owner’s KTP, and power of attorney (if represented).
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Five-year tax: Original STNK, owner’s KTP, leasing company statement (if BPKB is held), a photocopy of BPKB, and physical inspection results.
How to Pay Vehicle Tax Without a BPKB Online
Thanks to the SIGNAL (National Digital Samsat) app managed by the Indonesian National Police, you can conveniently pay your vehicle tax online—without the need to visit Samsat in person. Here’s how:
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Download the SIGNAL app from the Play Store or App Store.
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Open the app and select Register.
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Fill in your personal details: full name (as on KTP), ID number (NIK), email address, phone number, and password. Then tap Next.
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Upload a clear photo of your KTP.
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Complete facial verification (biometric) and enter the OTP code sent to your phone.
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Log in using your registered email and password.
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On the homepage, choose Add Vehicle Data, then select Vehicle under own name.
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Enter your license plate number and the last 5 digits of your chassis number (as stated on STNK).
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Confirm the vehicle details, then proceed to the payment process.
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Select STNK Validation Registration, then choose your vehicle and tap Next.
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Generate a payment code to view your tax amount.
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Complete payment through your preferred bank or digital payment channel.
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After payment, you can opt for a digital STNK or request physical delivery to your home via POS Indonesia (with additional shipping cost).
How to Pay Vehicle Tax Without a BPKB Offline
Prefer an offline method? You can still settle your vehicle tax at the Samsat office, public service malls, or via Samsat Keliling (mobile Samsat service). Here’s the step-by-step guide:
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Visit your preferred Samsat service point with the original STNK and KTP.
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Register at the counter and submit the required documents for verification.
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Once verified, proceed to the cashier counter, where the officer will inform you of the payable amount.
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Make your payment at the cashier.
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Collect your tax receipt as proof that your tax has been paid and your STNK renewed.
With this guide, you now know that paying vehicle tax without a BPKB is possible, both online and offline. By preparing the required documents and following the right procedure, you can remain a responsible taxpayer, avoid penalties, and ensure your vehicle’s legal status remains valid.
This is especially important if you’re planning to apply for a loan. If you need financial assistance, BFI Finance offers a wide range of trusted financing solutions with flexible terms—using a Motorcycle BPKB, Car BPKB, or Property Certificate as collateral.
With a simple, transparent process under the supervision of the Financial Services Authority (OJK), BFI Finance ensures you can secure funds without interfering with your tax obligations.
So, there’s no need to worry if your BPKB is currently held as collateral. Fulfill your financial needs with confidence—because with BFI Finance, #SelaluAdaJalan to achieve your future goals in a secure and well-planned way!
