• Pilih fitur ini untuk bayar belanjaanmu
    di merchant Sakuku. Mulai dari bayar
    makan maupun belanja barang favorit
    secara online!

  • Kamu bisa isi pulsa sendiri atau mengisi pulsa teman
    kamu bahkan bisa minta isi pulsa ke teman Sakuku di sini

  • Bisa transfer uang atau minta transfer
    ke teman Sakuku kamu
    (Khusus untuk Sakuku Plus)

  • Berbagi tagihan sama temen kamu,
    bayarnya juga bisa dibagi rata.
    (Khusus untuk Sakuku Plus)

  • Cara baru ambil uang tanpa kartu,
    di ATM BCA berlogo Sakuku.
    (Khusus untuk Sakuku Plus)

Get to the Know the Products

Sakuku is all out hangout. Sakuku is an electronic money you can use for shopping, topping up your mobile credit, and other banking transactions.

Benefit

Earn all the benefits when you use Sakuku.

Easy

Simply download the app to access Sakuku.

Practical

You mobile number acts as your Sakuku account number.

Free

No monthly administration fee.

Product Features

Sakuku is an electronic money on your smartphone that you can use for shopping, topping up your mobile credit, and other banking transactions. That way, all your hangouts are more all out.

Balance Inquiry

Check your account balance with this feature

Transaction Mutation

See all your previous transaction here.

Shopping Payment

Use Sakuku to pay for items at physical (store) or online merchants/Sakuku website.

Mobile Top Up

Top up your or your friend’s mobile credit here. You can even ask your friend to top up your mobile credit.

Contact

See which friends are using Sakuku

Setting

Customize your Sakuku profile, cover picture, PIN, or activate request feature, check Sakuku info, and activate Sakuku Plus here.


Sakuku Plus? For an even MORE all-out hangout, activate Sakuku Plus, Sakuku Plus has the following features:

Transfer

Transfer to another friend with a Sakuku account. Minimum transfer limit is Rp 5.000, and your friend has to activate Sakuku Plus first.

Split Bill

Split the bill equally amongst all your friends—up to nine friends with Sakuku Plus.

Cash Withdrawal ATM BCA

There’s a new way to withdraw cash without a card. Once you activated Sakuku Plus, you can withdraw cash (multiples of Rp 50.000) for up to Rp 1.250.000 at ATM BCA carrying the Sakuku logo.


With Sakuku Plus, there’s no way your hangout
doesn’t get even more all out. For more information, continue reading.

Limits and Fees

Transaction Limits

Details

Limit per Sakuku No.

Maximum balance

Rp 1.000.000 (Sakuku)
Rp 10.000.000 (Sakuku Plus)

Top up/maximum deposit

Rp 20.000.000/month

Initial deposit and subsequent regular deposit minimum

Rp 10.000

Purchase payment at online/physical merchants

Depends on balance

Mobile top up

Rp 1.100.000/day

Transfer and split bill (minimum value)

Rp 5.000/transaction (Sakuku Plus)

Cash withdrawal at ATM BCA

Rp 1.250.000/transaction (Sakuku Plus)

Top up/deposit to Sakuku primary account source

Rp 5.000.000/day

Transaction fees

  • During Sakuku registration, you will be charged 1x SMS tariff (Rp 250 - Rp 350,- depending on operator)
  • SMS tariff will reduce your mobile credit (prepaid) or be charged to your monthly bill (postpaid)
Get Sakuku

Getting Sakuku app is easy when you follow these simple steps:


Suitable for Android (OS 4.0 and above) or iPhone (iOS 7.1 and above)

Download Sakuku app from Google Play or App Store

Enter your data in the application

Create a Sakuku (6 numeric digits) PIN

 

Once Sakuku is active, you can immediately Top Up/Cash In your Sakuku with a maximum balance of Rp 1.000.000

  

 After Sakuku Plus activation, your maximum balance increases to Rp 5.000.000

Sakuku Plus Activation

Sakuku is designed to make your hangouts more fun. Shopping payments become easier, mobile top up is more fun, and you can even top up your friend’s, family’s mobile credit with Sakuku—better yet, get them to top up yours!

For an all out hangout, Sakuku Plus is a definite must! Check the information below:

Sakuku

Sakuku Plus

Balance inquiry

Transaction mutation

Payment

Mobile top up

Contact

Setting

Transfer

-

Split Bill

-

Cash withdrawal

-

Maximum balance

Rp 1 juta

Rp 5 juta

3 Sakuku Plus Activation Options

Enjoy greater benefits with Sakuku Plus!



Automatic offer for m-BCA users
If you use the same mobile number for your Sakuku and m-BCA account, and has been actively conducting transactions within the last month, you will be immediately offered the choice to upgrade to Sakuku Plus when you log in for the first time.


Sakuku Plus Activation Menu
Paspor/ATM BCA cardholder can access Setting/Sakuku Activation menu or choose SplitBill/Transfer/cash withdrawal on Sakuku application to get an automatic offer to upgrade to Sakuku Plus.


Visit a branch
Customers and non-customers can visit the nearest BCA branch and provide a valid proof of ID.

Note:

  • Sakuku users are recommended to update their Sakuku to the newest version (1.2.0) before upgrading to Sakuku Plus
  • New users must download and register using the latest Sakuku version ( 1.2.0) from the application before upgrading to Sakuku Plus

Central Park Mall
Grand Indonesia, Lt.8
Mal Bekasi Cyber Park
Pacific Place

Bandara Soekarno Hatta, Term 2
Central Park Mall Lower, Lt.G
Central Park Mall, Ground Floor
Cilandak Town Square, Ground Floor

Service Info

Proof of transaction

  • Displayed on screen
  • Financial transactions will receive proof in the Inbox menu

Sakuku security

  • Private mobile number
  • Sakuku PIN (6 numeric digits)

Sakuku transaction tips

  • Maintain Sakuku PIN confidentiality to ensure secure transactions
  • Check and re-check the confirmation screen before authorizing/approving transactions
  • If you encounter any problem when using Sakuku, follow these tips:
    • Make sure you have sufficient mobile credit when registering for Sakuku
    • Make sure you smartphone has Internet connection to conduct transactions
    • Make sure you have sufficient balance in your Sakuku account, and your account is active (not blocked)
    • Check your proof of transaction to make sure your most recent transaction was successful
    • Contact Halo BCA at 1500888 if you need additional help
  • If you change your SIM Card or mobile number you used to register for Sakuku, you will need to delete and re-download your Sakuku app, and then re-register for Sakuku service. Your balance will be the same as long as your mobile number remain the same.

Smartphone tips for accessing Sakuku

Brand

Devices Supporting Sakuku

Android

Devices OS 4.0 (ICS) and up

iPhone

Devices iOS 7.1 and up

Blocking Sakuku account

  • Block your Sakuku account by contacting Halo BCA if you lose your phone, or for other reasons
  • Halo BCA will follow procedure and verify your data
  • If data verification is successful, Halo BCA will block your Sakuku

Terminating Sakuku account

  • Contact Halo BCA to close your Sakuku account
  • Halo BCA will follow procedure and verify your data, and then ask to which BCA account you wish to issue the refund (Sakuku remaining balance)
  • If data verification is successful, Halo BCA will close your Sakuku account
  • For Sakuku Plus only: Sakuku refund can only be issued to BCA account with the same name as the Sakuku account. Alternatively, you can withdraw all remaining balance before closing your Sakuku account.

Sakuku products and service are registered to and monitored by FSA (OJK)

Important:
Sakuku will be temporarily available if BCA system or cellular operator network encounters connectivity problems.

 

FAQ

FAQ

Q : What is Sakuku?

A : Sakuku is an electronic money that can be used to pay items, purchase mobile credit, and other banking transactions using Sakuku smartphone application.

Q : What are Sakuku features?

A : Customers can enjoy the following Sakuku features:

  • Balance inquiry
  • Transaction mutation
  • Payment at physical/store or online merchants
  • Mobile top up (own number, other number, by request)
  • Contact
  • Setting
  • Transfer (between Sakuku accounts)
  • Split bill (share bills with other Sakuku users)
  • Cash withdrawal at ATM BCA

Q : What are Sakuku benefits?

A : Sakuku benefits include:

  • Easy, simple download the app at the application store to access Sakuku electronic money services
  • Practical, your mobile number also acts as Sakuku account number
  • Free, no monthly administration fee

Q : Can I use Sakuku if I’m not a BCA customer?

A : If you have an Android (OS 4.0 and up)/iPhone (iOS 7.1 and up) and an active cellular number (all Indonesian operators) card, then you can use Sakuku

Q : How can I register for Sakuku?

A :

  • Download Sakuku app from Google Play or App Store
  • Enter your data and wait for verification
  • Create a 6-digit numeric Sakuku PIN
  • Once your Sakuku is active you can immediately Top Up/Cash In Sakuku with a maximum balance limit of Rp 1 million

Q : Is there a fee when I use Sakuku?

A : You will only be charged during Sakuku registration for 1x SMS tariff (Rp 250 - Rp 350,- depending on operator). SMS tariff will reduce your mobile credit (prepaid) or be charged to your monthly bill (postpaid)

Q : Is there a Sakuku transaction limit?

A : Find the limits here:

Sakuku

Sakuku Plus

Maximum balance

Rp 1.000.000

Rp 5.000.000

Top up/maximum deposit

Rp 20.000.000 /bulan

Rp 20.000.000 /bulan

Initial deposit and subsequent regular deposit minimum

Rp 10.000

Rp 10.000

Purchase payment at online/physical merchants

Depends on balance

Depends on balance

Mobile top up

Rp 1.100.000 /day

Rp 1.100.000 /day

Transfer and split bill (minimum value)

Rp 5.000 /transaksi

Cash Withdrawal ATM BCA

Rp 1.250.000 /transaction

Top up/deposit to Sakuku primary account source

Rp 5.000.000 /day

Rp 5.000.000 /day


Q : How do I increase my maximum balance to Rp 5 million (Sakuku Plus)?

A : Get Sakuku Plus to increase your maximum balance limit:

  • Automatic offer for m-BCA users. If you use the same mobile number for your Sakuku and m-BCA account, and has been actively conducting transactions within the last month, you will be immediately offered the choice to upgrade to Sakuku Plus when you log in for the first time.
  • Sakuku Plus Activation Menu. Paspor/ATM BCA cardholder can access Setting/Sakuku Activation menu or choose SplitBill/Transfer/cash withdrawal on Sakuku application to get an automatic offer to upgrade to Sakuku Plus.
  • Visit a branch. Customers and non-customers can visit the nearest BCA branch and provide a valid proof of ID.

Q : What is the difference between Sakuku Plus and regular Sakuku?

A : 

Sakuku

Sakuku Plus

Balance inquiry

Transaction mutation

Payment

Mobile top up

Contact

Setting

Transfer

-

Split Bill

-

Cash withdrawal

-

Maximum balance

Rp 1 juta

  Rp 5 juta


Q : Will I lose my balance if I upgrade to Sakuku Plus?

A : No, your balance will remain the same.


Q : Will my data change if I upgrade to Sakuku Plus?

A : Your name and birthday will be verified using your existing data and BCA account, and cannot be changed through your Sakuku app.


Q : Is Sakuku only for BCA customers?

A : You can use Sakuku even if you don’t have a BCA account. Sakuku is available for both customers and non-customers.


Q : What if you don’t have a BCA account, but would like to upgrade to Sakuku Plus?

A : You can visit the nearest BCA branch


Q : Can I withdraw cash at ATM BCA using Sakuku Plus?

A : Yes, simply enter the cash withdrawal code to withdraw multiples of Rp 50.000 and a maximum of Rp 1.250.000.


Q : How secure is Sakuku?

A : Security for Sakuku includes

  • Private mobile number
  • Sakuku PIN (6 numeric digits)


Q : Can I have more than one Sakuku account?

A : Yes, using a different mobile number and smartphone.


Q : Can I access Sakuku abroad?

A : You can access Sakuku abroad as long as your smartphone have access to Internet and SMS roaming is active (only for Sakuku registration).


Q : Is there a minimum balance for Sakuku?

A : No, there is no minimum balance for Sakuku.


Q : Is there an administration fee or interest rates for Sakuku?

A : In compliance with Bank Indonesia regulations, electronic money services like Sakuku does not incur administration fee or interest rates.


Q : How do I know if my transaction is successful?

A : You will receive a notification on your screen, which will be saved to your Sakuku inbox.


Q : What should I do if my transaction is successful but I did not receive a notification/proof?

A : Check your account balance on Sakuku mutation feature. If your balance remains the same, then the transaction was not successful, and you must try again. If your balance has been reduced, but the transaction has failed, please contact Halo BCA at 1500888.


Q : Why can’t I conduct Sakuku transactions?

A : Reasons may include:

  • Your smartphone does not support Sakuku
  • SMS-Center operator is busy, your phone does not have battery, insufficient mobile credit, network disruption, or other causes


Q : What do I do if I forgot my PIN/Sakuku is blocked?

A : You will need to delete and re-download your Sakuku app, and then re-register for Sakuku service.


Q : What do I do if when I re-register, I am asked to re-register the next day?

A :

  • You phone number may have been registered for Sakuku before using a different set of data, and BCA needs to process and verify the information
  • You can ask for a refund to proof that you are the rightful owner of the account


Q : What is my SIM Card and/or mobile phone is lost or stolen?

A : Report your loss to your provider and Halo BCA at 1500888 for processing. To use Sakuku again, you will need to re-download your Sakuku app, and re-register for Sakuku service using the same data.


Q : Will my money be safe is my SIM Card/mobile phone is lost/stolen?

A : Yes, as long as your Sakuku PIN remains confidential.


Q : What should I do if my Sakuku account is debited, but the transaction failed/debited 2x for the same transaction/paid more than the intended amount (wrong payment value input)?

A : Visit the nearest branch/call Halo BCA at 1500888 for processing. BCA will verify your data and specified transaction, and process the next step.


Q : What is I want to close Sakuku account?

A : Contact Halo BCA 1500888. Halo BCA will follow procedure and verify your data. If data verification is successful, Halo BCA will close your Sakuku account. Any remaining Sakuku balance will be refunded to your BCA account.