Silver Hair KITAS E33E
Silver Hair is the five-year version of Indonesia's retirement residence permit, officially part of the Golden Visa programme. In the immigration classification it carries the code E33E; its full name is Visa Rumah Kedua Lansia Untuk 5 Tahun — the "second home visa for seniors, five years".
Two things set it apart from the ordinary retirement KITAS: the term is granted for five years at once, and no sponsor is required at all. In exchange, you place a deposit in an Indonesian state bank.
How it differs from the annual route
Age and income requirements are the same across both retirement statuses. The difference is the term, the sponsor and the money.
- Age — 55 and over in both cases
- Income — from USD 3,000 a month in both cases
- Term — 5 years on the E33E against 1 year on the E33F
- Sponsor — not needed on the E33E, mandatory on the E33F
- Deposit — USD 50,000 on the E33E, none on the annual route
- Maximum total — up to 10 years on the E33E, up to 5 on the annual one
How the deposit actually works
This is the part almost everyone describes wrongly, promising you simply "put down fifty thousand dollars". The real sequence is different:
The money is not needed yet. You sign a written commitment to place the deposit — surat pernyataan komitmen.
Within 90 days you open an account at an Indonesian state bank in your own name, deposit the sum and report it to immigration.
The deposit must stay in place for the whole term of the status. The balance can be checked.
The account must be personal — a joint account with a spouse will not do. And it is a deposit, not an investment: the money sits, it does not work.
What you need to prove
- Age 55 or over — by passport
- Income from USD 3,000 per month
- A three-month bank statement showing at least USD 2,000, in your own name
- A passport valid for at least 6 months
- A photo, a short CV and your travel itinerary
- A commitment to place the USD 50,000 deposit
Worth knowing in advance
- The programme is new and small. The Golden Visa launched in July 2024, and just over a thousand visas have been issued across all its categories since. Silver Hair within that is a handful of people, so airports and smaller immigration offices may simply not know it.
- Savings are not income. Immigration looks at regular inflows, not at your balance. A large lump sum does not satisfy the income requirement.
- Joint accounts with a spouse are not accepted. Both the statement and the deposit must be in your name.
- Tax residency. Living here more than 183 days in any 12 months makes you an Indonesian tax resident, with everything that follows. More below.
Tax: the part nobody mentions
Almost no visa agency writes about this, and for a retiree it is the central question — it concerns their main income.
The rule is simple: a foreigner becomes an Indonesian tax resident by living here or by spending more than 183 days in any 12 months. The days need not be consecutive. A tax resident must register, obtain an NPWP and file a return, and in the general case worldwide income is declared, not just Indonesian income. Rates are progressive, up to 35%.
How strictly this is enforced is a separate matter and people's experience varies. But cases where the tax office found foreign accounts through international data exchange are on record. Plan this part with a tax adviser, taking your country's double taxation treaty into account.
Who it fits, and who it does not
You are 55 or over, have regular income from USD 3,000, and can comfortably park USD 50,000 for five years without touching it. You want to live here long-term and not depend on an agency.
The money needs to stay working, or that sum is your entire reserve. Then the annual E33F is more practical: no deposit, and we act as your sponsor.
If you are not yet 55, there is Second Home E33 — also five years and with no age limit, but the deposit there is USD 130,000.
Pricing and timelines
Frequently asked questions
From what age is Silver Hair available?
From 55. That is written directly into the 2025 ministerial decree on visa classification. Many sites say 60 — that is wrong: the 60 threshold applies not to the visa but to converting into permanent KITAP on the retirement track.
Can property replace the deposit?
Not for Silver Hair — this route specifies a bank deposit. The property option exists on Second Home E33, but the threshold there is different.
Can I work on this status?
Selling goods or services directly inside Indonesia is prohibited. The law does formally allow other activity through a separate notification to immigration about combining activities, but on the retirement track practically nobody goes through it. If you plan to earn, look at the E33G or the investor E28A.
What about my spouse?
The law allows a status holder to bring family — the spouse is issued under a separate dependent code, not the retirement one. The spouse's age does not matter. One important detail: the income requirement is counted per person, not per couple. It is a non-standard case, so we work through it in a consultation.
What happens after five years?
The status is extended for another five, up to ten years in total. After that a move to KITAP — permanent residence — becomes possible; on the retirement track that opens at 60.
Useful reads
Let's check your case before you pay for anything
We will tell you honestly whether you clear the income bar and which of the two retirement routes suits you better. If you do not clear it, we will say that too.