Introduction to Tahapan Berjangka

Tahapan Berjangka is a savings product that can help make dreams come true. The product is aimed at individuals with routine deposits of fixed amount and time period. Life insurance is included for your added comfort.

Tahapan Berjangka funds can come from Tahapan, Tahapan Gold, Tahapan Xpresi, or Tapres BCA.

Product Features:

  • 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
  • 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 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 Klik BCA Individual

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.
  • Interest rate fluctuations are adjusted to market development (floating interest rates)
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:

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

< Rp 1.000.000,00

3,00% 3,50% 3,75% 4,00%

>=Rp 1.000.000,00

3,50% 3,75% 4,00% 4,00%


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

Tahapan Berjangka - From Dreams to Reality

Article Recomendation
Good news for you businessmen and professionals! Jakarta Social Media Week 2017 returns and this time
Have you already had a list of movies you want to watch this September? Now, this is a perfect time for you because the Buy 1 Get 1 promo via BookMyShow
Starting October 2017, the government will implement e-tollgate system. This means that toll roads do not accept cash payments.
You have an online business but are clueless how to develop its marketing? Amidst the advancement of technology in today’s e-commerce world