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
Sum of insurance payment equal to the amount of Tahapan Berjangka monthly deposit that has yet to be deposited
Cause of Death
1 x UP, max. Rp 750 mil/customer
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
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.
Tahapan Berjangka interest rate information (update: November 1st, 2020):
Monthly Routine Deposit
Annual Interest Rates (floating), may change at any time
1 -< 3yrs
3 -< 5yrs
5 -< 10yrs
< Rp 1,000,000
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
You will communicate directly
By clicking "Continue", you will be directed to use the voice dialing application, and will be charged in accordance with the provisions of operator you use.
By clicking “Continue”, you will be directed to other website outside www.bca.co.id which is not affiliated with BCA and may have different security level. BCA is not responsible and not supporting, not guaranteeing, not controlling content, and not controlling the availability and perspective on products or services which are offered or mentioned on the website