BCA mobile

Convenient banking at your fingertips

Why BCA mobile?


Simple banking tasks online using your smartphone via m-BCA menu without changing SIM Card


Convenient banking at your fingertips


Easy transfer and payment facilities

BCA mobile

BCA mobile

About Important Information Fees & Limits Get the Service

BCA mobile

Banking application service that provides easy banking transactions through KlikBCA or m-BCA.


Pay and transfer easily with QRIS feature
Mobile Banking
Check your balances, account statements, fund transfers, and pay bills more easily through m-BCA on the BCA mobile.
Lifestyle Feature
All your shopping and entertainment activities can easily be done #DibikinSimpel in just one app. Through Lifestyle feature on BCA mobile.
Launcher KlikBCA
Easy access to mobile KlikBCA with just one click
Easy balance check, top-up, information on the last 10 Flazz transactions on a smartphone with the Near Field Communication (NFC) feature
Forget your card? Don't worry, BCA mobile can cover your transactions

Important Information


  • Having downloaded the BCA mobile application
  • Having registered for m-BCA via BCA ATM/BCA Branch for non-financial transactions
  • Having activated the financial transactions at a BCA Branch Office or via Halo BCA to be able to conduct financial transactions
  • An Android or iPhone smartphone user
  • A GSM operator's customer

Terms of m-BCA


The customer mobile number must be connected to the ATM BCA card through the m-BCA registration process, in which:

  • One (1) mobile number can only be connected to one (1) ATM BCA card
  • One (1) ATM BCA card can be connected to a maximum of 10 mobile phone numbers

Proof of Transaction

  • From the screen display on completion of the transaction
  • For financial transactions and time deposit account information, the customer will receive the proof of transaction in the form of a message in the Inbox submenu, which can be copied and forwarded via email, SMS or other messenger applications

    Security of BCA mobile

    • The customer is required to enter an access code to secure access to the m-BCA menu. The access code takes the form of a 6-character alphanumeric code created by the customer
    • The customer is also required to enter a personal identification number (PIN) to verify and validate a transaction
      The PIN takes the form of a 6-digit numeric code created by the customer


    If there is a system breakdown at BCA or any disruption at the GSM Operator, the customer will not be able to access BCA mobile services temporarily


    1. m-BCA shall terminate if:
      1. The Customer submits a m-BCA termination request to BCA, due to, among others:
        • The Customer terminates the use of an ATM BCA card or mobile phone number; or
        • The Customer changes the mobile phone number
      2. The customer closes all accounts linked to the ATM BCA card.
    2. BCA reserves the right to terminate the m-BCA to the Customer, among others, if:
      1. The Customer uses m-BCA or allows m-BCA to be used by other parties to carry out an unlawful act;
      2. Based on the data provided by the Mobile Operator to BCA, the mobile number used by the Customer for registration of m-BCA is no longer used by the Customer (recycled);
      3. Based on BCA’s assessment, the Customer uses m-BCA beyond reasonable usage limits;
      4. The Customer has not performed any transaction (financial or non-financial) through m-BCA for 5 (five) consecutive years since the last transaction date; or
      5. The number of mobile phone numbers used by the Customer for registration of m-BCA exceeds the number of mobile phone numbers determined by BCA.

    Fees and Limit

    Fees for BCA mobile service

    • Transfer fee for interbank transfer that charged to the Customer :
      • The cost of BI-FAST transfer service is Rp 2,500 (Including VAT). This fee already includes the fee charged by Bank Indonesia of Rp 19 (Excluding VAT)
      • Via Online Transfer Rp 6,500 (Including VAT)
    • The customer will be charged for the internet access service (GPRS/EDGE/3G/4G/WIFI) at the applicable price (for m-BCA, around 15 KB per transaction or equal to around Rp150/transaction) if the customer uses a regular (non-package) internet service
    • For the initial use of the application, the customer will be charged an SMS fee for each SMS sent and received by the customer, as described below:
      • For Telkomsel, between Rp 300 and Rp 1,320 per SMS*
      • For Indosat, between Rp 400 and Rp 600 per SMS*



    Effective from July 2021, any SMS sent and received by the customer will be charged as follows: 
    • For Smartfren, between Rp 150 and Rp 600 per SMS*
    • For XL, between Rp 400 and Rp 600 per SMS*
    • For 3 (Tri) Hutchison, between Rp 250 and Rp 500 per SMS*


    *The prices above exclude applicable VAT

    Fees and Limits m-BCA

    FEATURES Xpresi Paspor Blue (IDR) Paspor Gold / Tapres (IDR) Paspor Platinum (IDR) BCA Dollar (IDR)
    1. Inhouse Transfer (between BCA accounts) 25 Million 50 Million 75 Million 100 Million ~ 25 Million
    2. Interbank  Transfer (to another bank's account)   10 Million 15 Million 20 Million 25 Million (equivalent)


    - Transfer Transaction Limit is a combined limit with transfer limit at ATM, except transfers to Sakuku and Virtual Account BCA
    - Update: 8 October 2021
    - The transfer limit from an IDR amount to a foreign currency amount is separate from the transfer limit between IDR amounts

    Maximum Limit for Purchase of Mobile Credit Recharge via m-BCA

    Rp 2,500,000 per day. This limit is a combined limit with other e-channels, such as BCA ATM, KlikBCA, and BCA By Phone*.
    *Eff. Date 11 Dec 2017

    Maximum Payment Limit

    Based on the total amount due

    No. Transaction Type XL Indosat Ooredoo Telkomsel
    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

    Payment and Purchase Transactions 

    Payment Transaction Fee
    Telephone/Telkom Rp2,500
    Electricity/PLN Rp3,000
    Tax/Land and Building Tax (PBB) Rp2,500 - Rp5,000
    Water Bill (PDAM/PAM) Rp2.500 – Rp3.500
    Healthcare (BPJS Kesehatan) Rp2.500
    XL Postpaid* Rp1,500
    Telkomsel Pascabayar (Halo)* IDR3,000

    *) Valid on m-BCA and KlikBCA Bisnis

    Purchase Transaction Fee
    Electricity/PLN Prepaid Rp2,500
    Telkomsel Balance and Data Plan Rp2,000
    Indosat Ooredo Mobile Credit Recharge Rp1,500
    XL/AXIS credit top-up vouchers Rp2,000
    XL/AXIS Data Plan Rp1,500

    QRIS Payment Limit

    Payment Method Limit Per Transaction Daily Limit


    IDR 10,000,000

    IDR 25,000,000


    IDR 1,000,000

    Lintas Negara (cross border)

    IDR 10,000,000

    According to Card Type

    QRIS Transfer* Method Limit per Transactions Daily Limit
    Between BCA Accounts Another Bank (Non BCA)






    According to Card Type

    IDR 1

    IDR 10,000,000

    IDR 10,000

    IDR 10,000,000

    Note :

    • Limit per QRIS Payment transaction of IDR 10,000,000
    • Limit per QRIS Transfer transaction of IDR 10,000,000
    • Daily limit for QRIS Payment transactions using BCA mobile is IDR 25,000,000 per day
    • The daily limit for cross-border QRIS transactions uses the combined limit of BCA Debit Cards according to the type of card.
    • Daily limit for QRIS transactions Transfers to fellow BCAs use the daily transfer limit to BCA accounts according to the card type, while to non-BCAs use the daily interbank transfer limit according to the card type.

    *QR code on QRIS Transfer made to receive funds can only be used once.

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