Product Features:

The product is aimed at individuals with routine deposits of fixed amount and time period. Life insurance is included for your added comfort.

  • Savings in is Indonesian Rupiah currency
  • Minimum account period is 12 months and maximum account period is 240 months
  • Autodebit monthly deposits from other fund account. (Tahapan Berjangka funds can come from Tahapan, Tahapan Gold, Tahapan Xpresi, or Tapres BCA.)
  • Monthly deposits starts from Rp 500.000/month (multiples of Rp 50.000)
  • Withdrawal is not available for the duration of the savings period
  • Monthly e-statements available at KlikBCA Individual and KlikBCA Business up to two (2) years
  • A customer can own more than one Tahapan Berjangka account connected to one primary account (source of funds)
  • Account ownership identified by ownership of primary fund account
  • Easy balance inquiry services at KlikBCA Individual and KlikBCA Business

Tahapan Berjangka BCA Simulation

 Monthly Deposit
 Target Funds

Rencana 1

  • The above calculation does not include the interest tax.
  • Interest rates can change at any time following the applicable provisions.
  • The Simulation is an illustration of Tahapan Berjangka calculation. The actual calculation follows the system of BCA

Tahapan Berjangka Benefits

As one of the savings account featuring routine deposits, Tahapan Berjangka provides various benefits for you:

  • Helps achieve your dream
  • Shape routine savings habit
  • Interest rates above regular savings account
  • Freedom to increase monthly deposit beyond set amount
  • Free life insurance protection throughout the duration of Tahapan Berjangka account period
  • Insurance benefits:
    • Sum of insurance payment equal to the amount of Tahapan Berjangka monthly deposit that has yet to be deposited


Savings Period

Cause of Death

Insurance Payout

<1 year




1 x UP, max. Rp 750 mil/customer

≥1 year


1 x UP, max. Rp 750 mil/customer


2 X UP, max. Rp 1,5B /customer

    • Sum of death benefits up to Rp 5.000.000 (five million rupiah) per account to add to insurance payout
  • Free administration fee
  • No hassle of manual monthly deposit because of autodebit transfer from source account
  • Funds from matured account will be automatically transferred to source account and customers will be notified through SMS/email

What You Need to Know

To protect your banking activities, please make a note of the following information:

  • If there are no available funds on the date of autodebit, funds will be redebited at the end of the same month
  • Failure of debit process for 3 months in a row will result in automatic closure of Tahapan Berjangka account and funds will be returned to primary source account
  • Customers cannot withdraw funds or close account before termination of savings period. Fund withdrawal or account closure will incur an account closure fee.
  • Life Insurance of Tahapan Berjangka is an insurance product of PT Asuransi Jiwa BCA and is not a product and responsibility of BCA and is not covered under the scope of the underwriting program as defined in the laws on the deposit insurance institution. The use of the logo and/or attribute of BCA in the marketing document is only intended to demonstrate the existence of cooperation between BCA and PT Asuransi Jiwa BCA.

Tahapan Berjangka administration fees are as follows:

Type of Fee
Deposit transaction at counter
Monthly administration
Debit failure
Insurance premium
Account closing before maturity*
1% of final Tahapan Berjangka balance

Terms and conditions:

  • Minimum of Rp 50.000, or
  • Maximum equal to paid accumulated interest, whichever is the larger amount.
Print/account mutation at branch
According to applicable terms and conditions

*) Account closure to death of account holder will result in automatic account closure, free of charge. Insurance benefits and funds associated with the Tahapan Berjangka account will be returned to primary source account.

Interest Rates

Tahapan Berjangka interest rate information (update: January 1st, 2021):

Monthly Routine Deposit
Annual Interest Rates (floating), may change at any time
1 -< 3yrs 3 -< 5yrs
5 -< 10yrs
>= 10yrs

< Rp 1,000,000

1.60% 2.10% 2.35% 2.60%

>=Rp 1,000,000

2.10% 2.35% 2.60% 2.60%

Get the Product

Tahapan Berjangka account opening can be done at every BCA branch. The terms and conditions for Tahapan Berjangka account opening is as follows:

  • Indonesian citizen, min. 12 years of age, max. 60 years of age. Maximum age for account holder is up to 65th birthday
  • Owns a Tahapan, Tahapan Gold, Tahapan Xpresi, or Tapres BCA account
  • Fill in a Tahapan Berjangka account opening form
  • Agree to the terms and conditions of account opening, as well as terms and conditions of life insurance product
  • Joint “AND” or “OR” account is not permitted