LMM,
i am spanish, with no Kitas and managed to open a bank account (RP currency) in Danamon (Jl Raya Ubud). The only thing they requested was to have a sponsor, meaning a person with an account in the same bank, which by the way...at the moment of opening the account, the clerk asked a guy that was sitting close to me, managing his account if he could be my sponsor. - Just formalitas...he said. He signed the paper and done. In 1 hour i had my bank account open, with ATM card (no name on it) and access to online banking. If you need any other details, please PM. I managed to transfer money from my bank account in Spain to Danamon without any problems...