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m-BCA - e-Banking - Individual-bca.co.id
The Nearest ATM Machine
Is Your Mobile Phone

Life will definitely be easier if you can carry a non cash ATM everywhere you go and be able to do transactions anywhere you are and anytime you need to. With m-BCA, just by using your mobile phone, you can do various banking transactions. It is like having an ATM in the palm of your hand.

m-BCA offers simple, practical, safe and user-friendly banking services.

Main Advantages
  • You can do transactions anytime, anywhere
  • Protection system
  • User-friendly
  • Easy to use menu features

In order to fulfill your needs, obtain all the comfort of being able to do transactions anytime you need to, wherever you are.

  • Using m-BCA is very easy. All you need to do is follow the instructions on the menu on your mobile phone. No special skills are required to use it.
  • Practical, it is as easy as using a mobile phone. You can also do banking transactions wherever you are, whenever you need to.
  • You can feel secure when doing your transactions because m-BCA is protected by a maximum security system. Aside from using the PIN you have chosen for yourself and the mobile phone number you registered, each transaction will also be encrypted to ensure its safety.
  • Enjoy the comfort of doing transactions with the user-friendly m-BCA. You only need to choose the type of transaction you desire from the available menu. There is no hassle of memorizing transaction codes.
  • Comfortable, it is like having your own personal ATM machine in the palm of your hands.

Transactions available through m-BCA are as follows:

No. Category Service
1. m-Info
  • Balance,
  • Account Mutation,
  • Foreign Exchange,
  • Savings/ Rp deposit/ foreign currency deposit interest rates,
  • Bank codes (to know the transfer codes between BCA and other banks),
  • Bank codes (to know the transfer codes between BCA and other banks),
  • Company codes (used for m-Payment and m-Commerce),
  • Gebyar Tahapan BCA coupon number
  • NAV and Mutual Funds
  • BCA credit card balance and transaction information*
2. m-Transfer
  • Transfer to BCA Account,
  • Transfer to other bank accounts
3. m-Payment Credit card, PLN (electricity), PAM (water), mobile phone, telephone, insurance, education, and other payments
4. m-Commerce Top Up, Blitz card, stocks, and others
5. m-Admin Activation, PIN alteration


FEATURES Paspor Silver Paspor Gold / Tapres Paspor Platinum BCA Dollar
1. Transfer between BCA accounts 15 Million 25 Million 75 Million ~ 25 Million
2. Transfer between other bank accounts 10 Million 10 Million 10 Million -------

*The Limit is combined with the transfer limit at an ATM BCA machine.

Credit Refill (Top Up) Limit

As much as Rp. 1,100,000 per day. This is the combined limit of topping up using other e-channels such as ATM BCA, KlikBCA, SMS BCA, SMS Top Up, and BCA by Phone.

Payment Limit

According to the amount stated on the bill



DESCRIPTION Indosat & XL Kartu Halo simPATI
1. Non Financial Transaction 500 750 900
2. Financial Transaction 1000 1500 1950

Note :

Non Financial Transaction:
  • m-Info ( Balance, Account Mutation, Foreign Exchange rate)
  • m-Admin (Activation, PIN alteration, etc)

Financial Transaction:

  • m-Transfer (Transfer between BCA accounts and other banks)
  • m-Commerce (Top up, stocks)
  • m-Payment ( Credit Card, Mobile Phone, Telkom, Insurance, Education, etc)

The above fees are not withdrawn automatically from the customerís account. It will immediately decrease the credits from the customerís mobile phone or charge the customer through its monthly mobile phone bill.

*There will be no transaction fees for XL and Matrix postpaid customers, and also prepaid XL and IM3 customers.

Proof of Transaction:

For each transaction made, you will receive the proof of transaction as follows:

Type of Transaction Proof of Transaction
Financial (such as : transfer, payment, commerce) A text message will appear on the screen of your mobile phone and go directly to your inbox
Non financial
  • Balance, account mutation, foreign exchange rate, savings / Rupiah deposit / foreign currency deposit interest rates, PIN alteration, activation?
  • Bank codes (transfer between banks) and company codes (used for m- Payment and m-Commerce), Gebyar Tahapan BCA coupon number
  • A text message will only appear on the screen of your mobile phone
  • The information will go to the Inbox of your mobile phone

      • Make sure you know the function of each key on your mobile phone keypad by looking at the instruction manual of your mobile phone.

      • Before you do a transaction using your mobile phone, make sure your message inbox is not full.

      • The PIN used the first time you access the m-BCA service will be the PIN you determined during registration through ATM BCA. If you register for m-BCA through a counter at a BCA branch office, the m-BCA PIN that will be used will be the same as the PIN of your Kartu ATM BCA.

      • The m-BCA service will be automatically blocked if you enter the incorrect m-BCA PIN 3 times in a row.

      • Do not tell anyone else of your m-BCA PIN.

      • Do not store your m-BCA PIN in your mobile phone or other storage devices where it can be known by another person.

      • If you own more than 1 (one) account in relation to the Kartu ATM BCA you used for the m-BCA registration, all of those accounts will automatically be connected to the m-BCA. For each m-BCA transaction you do, you will be requested to choose an account.

      • One Kartu ATM BCA can be connected to ten mobile numbers, either from the same operator or a different one

      • The activation done on your mobile will activate the m-Info, and m-Admin service, meanwhile to activate the m-Transfer, m-Payment and m-Commerce service, the Customer must go to the nearest BCA office branch in order to activate the PIN, by filling out the request form correctly, clearly and entirely and then submitting it to the CSO BCA. Make sure the mobile number you registered is your own mobile phone.

      • For financial transactions (Transfer / Payment/ Commerce), enter the transfer / payment / commerce amount and the account / customer / credit card/telephone/mobile phone number without any space in between or any punctuation marks (such as a dash, period, and others).

      • For each financial transaction, you will receive a confirmation message containing transaction data. Make sure the content of the transaction data is correct before you continue to your transaction.

      • For each transaction using m-BCA, wait a few moments until you receive a response regarding the transaction. If you do not receive a response for the transaction done, you must make sure whether the transaction was processed by checking your balance / account mutation.

      • For each financial transaction, you will receive a transaction message on whether or not your transaction failed or was successful. For successful transactions, the message received will automatically be kept in your inbox (if your inbox is not full).

      • Immediately inform BCA if your SIM Card is missing/ stolen/ or used by another person.

m-BCA can be accessed by customers who have:

  • Kartu Paspor BCA and are customers of GSM providers (XL, Indosat, Telkomsel)
  • SIM Card m-BCA Ready.
  • How to do it is simple:

        • Mobile Activation:

          For XL users (Xplor/bebas) this service is included in the Life In Hand (LIH)/Data Services/XL Life menu. . For INDOSAT users (Matrix/mentari/IM3), this service is included in the Satelindo@ccess atau M3 Access Menu.For TELKOMSEL users (kartoHALO/simPATI), this service is included in the T-Sel Menu.

          How to :

          • Choose the “m-BCA” menu on your mobile phone then enter OK/YES
          • Choose “m-Admin” and enter OK/YES
          • Choose “Aktivasi” and enter OK/YES
          • The statement "I have read and agree on the Terms & Conditions for m-BCA and will use this Mobile Number as my ID ", will appear, enter OK/YES to confirm.
          • Enter the Kartu ATM BCA number used to register to m-BCA and enter OK/YES
          • Write your m-BCA PIN and enter OK/YES

          After a few moments, you will receive a message on your mobile screen that says "Welcome to the m-BCA Service"

          By doing this activation, you can do m-BCA transactions using the m-Info and m-Admin menu.

        • Pin Activation at Branch offices:

          In order to activate the m-Transfer, m-Payment and m-Commerce services, the customer must go to the nearest BCA branch in order to do a Fin Activation Activation and bring/ do the following:

          • ATM/Tapres/BCA Dollar card in relation to the m-BCA facility
          • Personal Identification (ID or Driverís License)
          • bring your Identification Card (KTP or SIM) and Paspor BCA/BCA Dollar card in relation to the m-BCA facility
          • Registered and activated the non financial features of m-BCA on your mobile phone
          • The customer will be able to immediately do transfers on the same day the fin activation process is completed.

    How to obtain an m-BCA SIM Card

    For XL users

    • Get the SIM Card m-BCA XL at XL Center.

    For Mentari/Matrix/IM3 users :

    • Get the SIM Card Mentari/ Matrix m-BCA Ready at GALERI Indosat.

    For kartuHALO/simPATI users :

    • Get the SIM Card KartuHALO or simPATI m-BCA Ready at GraPARI.

    Enjoy easy banking transactions with the innovative m-BCA service. The following are a few simple guides you can use to make it easier for you to do transactions using m-BCA.

    Learn the m-BCA Service Features

    Get the complete information about the features of the m-BCA service.

    How do you do transactions using m-BCA?

    Get the complete guide to doing m-BCA transactions for your
    various banking needs such as; transfer, mutation, payments and others.

    Demo m-BCA?

    Get complete information about the m-BCA products through the m-BCA demo

    List of Company Codes for m-Transfer, m-Payment & m-Commerce

    Get the complete list of company codes to ease your banking transactions

    Terms & Conditions of m-BCA

    The following is the information you need to know about the m-BCA service

    SIM Card mobile banking ready

    The following is the information you need to know about the m-BCA service

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