BCA - m-BCA

Life is easier when you can go cashless and conduct transaction everywhere with every ATM function in your hand. With easy, practical, safe, and user-friendly m-BCA services, you can do all this and more.

Enjoy the convenience and comfort of conducting transactions anytime and anywhere you need it.

m-BCA is easy to use: simply follow the menu displayed on your phone without the need for special knowledge of skills
Practical use that allows your to conduct transactions anytime, anywhere
m-BCA is protected with a maximum security system to help you conduct transaction with peace. In addition to you own PIN and mobile number as identification, every transaction is encrypted for extra guaranteed safety.
Enjoy transactions with user-friendly interface. Simply choose from transaction list in the m-BCA menu—no need to remember transaction codes.
Convenience is key. With m-BCA, all ATM functions lie in your hands.

The following are transactions available on m-BCA:

No.	Category	Services
1.	m-Info	Balance inquiry Account mutation Rates info Savings/Deposito Rp/Deposito foreign currency interest info Bank code info (for inter-bank transfers) Company code info (for m-Payment and m-Commerce) Deposito account info NAB and Reksadana balance info Credit Card BCA balance and transaction history info RDN (balance inquiry and account mutation) info
2.	m-Transfer	Transfer to BCA account Transfer to other bank account
3.	m-Payment	Payment for various credit card, PLN, PAM, mobile phone, telephone, insurance, education, and other bills
4.	m-Commerce	Mobile top up, PLN Prepaid, and other purchases (Blitz Card and Garuda Ticket)
5.	m-Admin	Activation, PIN change, others (registration and delete Credit Card BCA transaction history)

DAILY TRANSACTION LIMITS

No.	Feature	Paspor Blue	Paspor Gold / Tapres	Paspor Platinum	BCA Dollar
1.	BCA-to-BCA transfer	50 Million	75 Million	100 Million	~ 25 Million
2.	Inter-bank transfer	15 million	20 million	25 million	N/A
3.	Withdrawal	10 million	10 million	10 million	~10 million

Note:
- Transfer limit is combined with transfer limit at ATM BCA

- Updated in 1 February 2020

Mobile top up purchase limit

Maximum Rp 2.500.000 per day. This is a combined limit with other e-channels, including ATM BCA, KlikBCA, SMS BCA, SMS top up, and BCA by Phone*.

*Eff. Date 11 Des 2017

Payment limit

Determined by bill amount.

FEE

FEE PER TRANSACTION
No.	Description	XL	Indosat Ooredoo		Telkomsel
No.	Description	XL	Prepaid	Postpaid	Kartu Halo	simPATI	As
1.	Non Financial Transaction	650	600	500	850	1010	960
2.	Financial Transaction	1300	1200	1000	1450	1670	1620

Note:

Non-financial transaction

m-Info (Balance inquiry, account mutation, rates info)

m-Admin (activation, PIN change, etc.)

Financial transaction

m-Transfer (BCA-to-BCA or other bank transfer)
m-Commerce (mobile top up)
m-Payment (credit card, mobile phone, Telkom, insurance, education, etc.)

Note: To transfer to a foreign currency account, user must select transfer destination (as prompted by displayed menu).

The fees listed are not debited from user account, but from user mobile phone credit or charged to monthly phone bill.

Proof of transaction

Customers will receive proof of transaction with every transaction in the following manner:

Transaction type	Transaction proof
Financial (eg. transfer, payment, commerce)	SMS displayed on screen and saved in phone inbox
Non-financial For balance inquiry, account mutation, rates info, savings/deposito rp/deposito foreign currency interest info, pin change, activation, etc. For bank code info (for inter-bank transfers), company code info (for m-payment and m-commerce), etc.	SMS only displayed on screen Information immediately saved to phone inbox

Important note:

Make sure you are aware of each button function by referring to you mobile phone manual
Before conducting transactions through your phone, please make sure your phone inbox is not full
PIN used to access m-BCA for the first time is the same PIN determined during registration at ATM BCA. If you register for m-BCA at a BCA branch, your m-BCA PIN with the same as your ATM BCA PIN.
M-BCA services will immediately block you after 3 recurring wrongful PIN entry
Do not share your m-BCA PIN with others
Do not keep your m-BCA PIN in your phone, or other media that risks confidentiality breach
If you have more than one account linked to the ATM BCA Card used for m-BCA, all accounts will be automatically linked to m-BCA. At the start of every transaction, you will be asked to choose which account to use.
One ATM BCA Card may be linked to ten mobile phone number from the same or different operators
m-Info and m-Admin may be activated by phone, while m-Transfer, m-Commerce, and m-Payment must be activated by visiting the nearest BCA branch. Customer will be asked to activate FIN by filling in application form accurately and completely to be handed to CSO BCA. Please make sure the mobile number written in the form is yours.
For financial transactions (Transfer/ Payment/ Commerce), enter the transfer/payment/commerce amount and account/customer ID, credit card/phone/mobile phone numbers without space or other punctuations (period, comma, or others).
You will receive a confirmation message for every financial transaction that contains transaction details. Please ensure the accuracy of transaction details before proceeding with the transaction.
When performing transactions using m-BCA, please wait momentarily for a return response regarding the transaction. If you do not receive a response, please check if transaction instruction was processed by checking your balance or account mutation.
You will receive a transaction message, indicating success or failure of transaction. For successful transactions, the message will be automatically stored in your phone inbox (provided phone inbox is not full).
Immediately inform BCA is your SIM Card is missing/stolen/or has been transferred to someone else

Important:
m-BCA services will be temporarily unavailable BCA system or GSM operator encounters a network problem.

m-BCA is available for customers with:

Paspor BCA Card with subscription to a GSM (XL, Indosat, Telkomsel) provider
SIM Card m-BCA Ready.

Simple process

Registering at the nearest ATM/BCA branch

See : how to register

Phone activation (for m-Info and m-Admin)

Phone activation:

XL (Xplor/bebas) users may find the menu on Life In Hand (LIH)/Layanan Data/XL Life. INDOSAT (Matrix/mentari/IM3) users may access menu Satelindo@ccess or M3 Access. TELKOMSEL (kartoHALO/simPATI) users may find the feature in T-Sel Menu.

Steps:
- Select “m-BCA” menu on your phone and press OK/YES
- Select “m-Admin” and press OK/YES
- Select “Aktivasi” and press OK/YES
- The statement “I have read and agreed to the terms and conditions of m-BCA and confirm this phone number as my ID” will appear. Press OK/YES to proceed.
- Enter ATM BCA Card number used to register for m-BCA and press OK/YES
- Enter m-BCA PIN and press OK/YES
A message will be displayed on your phone momentarily: “Welcome to m-BCA Service”.

This activation allows you to conduct m-Info and m-Admin transactions.

Activate financial transaction at nearest BCA branch (for the m-Transfer, m-Payment and m-Commerce transactions)

FIN activation at BCA branch:

To activate m-Transfer, m-Payment, and m-Commerce facilities, customers are asked to visit the nearest BCA branch to activate FIN and provide:

ATM/Tapres/BCA Dollar Card linked to m-BCA facilities

Proof of identity (KTP/SIM)

Paspor BCA/BCA Dollar Card linked to m-BCA facilities

Registration to m-BCA for non-financial activities by phone

Customers may begin transferring funds on the same day as FIN activation.

To get SIM Card m-BCA
XL customers

Get your SIM Card m-BCA XL at XL Center.

Mentari/Matrix/IM3 customers:

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

kartuHALO/simPATI customers:

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

Enjoy the freedom and innovation offered by m-BCA. The following is an easy guide to help improve your m-BCA experience.

Learn more about m-BCA services
Get complete information on m-BCA features

Conducting transactions using m-BCA?
Get the complete guide to help you perform m-BCA transactions for various banking needs, including transfer, mutation, payment, and more.