myBCA

Simplifies your banking experience

myBCA

Easy

Easier transactions using BCA ID

Convenient

Open deposito account online

Lite

Integrated banking service

MyBCA

myBCA

Simplify your banking experiences with one single User ID, called BCA ID. myBCA can be accessed through either application within smartphone or through desktop website

How to Access myBCA

Available on either iOS or Android Operation System (OS) based smartphones, and can be accessed via desktop at https://mybca.bca.co.id

 

 

List of features:

Administrative


BCA ID Registration

Users are able to create new BCA ID

Change Password, Change Email, Change Transaction PIN

Users are able to change their BCA ID password, BCA ID email and Transaction PIN

BCA ID Personalization

Users are able to choose accounts to be connected to BCA ID and arranged them under BCA ID

Informational


e-Statement

e-statement can be downloaded by users through accounts connected through BCA ID

Balance Information

Displaying balance of saving account and RDN account that users have

Scheduled Transaction

Scheduled transaction created by BCA ID will appear for users to see

Transaction Histories

Showing transaction histories that created by BCA ID

Mutation Account Information, Deposit Account Information and Tahapan Berjangka

Displaying mutation information about account saving and RDN, Deposit Account and Tahapan Berjangka that users possess

Exchange Rate Information

Showing information about Exchange Rate

Transactional


Transfer to BCA Virtual Account

Users are able to conduct fund transfer to their BCA Virtual Account

Transfer to BCA Saving Account

Users can make fund transfer to their BCA Saving Account

Opening e-Deposito account

Able to create a new opening e-Deposito account

Transfer to Sakuku

Users are able to make fund transfer to Sakuku

Transfer to Other Banks (LLG, RTGS, Online)

Users are able to make fund transfer to other banks through either LLG and RTGS services or Online.

Fees and Limits Transaction

myBCA Transaction Authorization

myBCA transaction authorization through website conducted through KeyBCA (Hard Token), whereas for myBCA mobile version can be done through myBCA Transaction PIN

Transaction Fees

List of follow are myBCA transaction fees applies by reffering to the term of condition from transaction fees that currently used in KlikBCA Individual.

The following are the list of fees of per transaction transfer for myBCA:

Transaction Type

Services

Fees

Transfer to other banks LLG IDR2,900
RTGS IDR25,000
Online IDR6,500

myBCA Transaction Limit

  • Daily Transfer transaction limit is Maximum amount of transaction transfer, which is 300.000.000 IDR per day and per BCA ID.
    This is a combined limit for the whole transfer transactions through myBCA, except for transfer to Sakuku and transfer to BCA Virtual Account (VA)
  • Limit per Transaction is a minimum and maximum amount per transaction. The following are per transaction transfer limits applies within myBCA:

Transfer between BCA accounts

Transaction Type Transaction Limit
Minimal Maximal
Rupiah to Rupiah IDR10,000 IDR300,000,000
Rupiah to Foreign Currency
Foreign Currency to Rupiah

Equivalent
IDR300,000,000

Foreign Currency to Foreign Currency

 

Transfer to other banks

Transaction Type Transaction Limit
Minimal Maximal
LLG IDR10,000 IDR300,000,000
RTGS IDR100,000,000
Online IDR10,000 IDR50,000,000
Transfer to Sakuku Referring to Sakuku’s term and condition that applies
Transfer to BCA Virtual Account Referring to Virtual Account’s term and condition that applies

Terms & Conditions

TERMS AND CONDITIONS FOR myBCA
PT. BANK CENTRAL ASIA, Tbk

A. DEFINITIONS

  1. myBCA means a facility for conducting banking transactions on the Customer's account(s) at PT Bank Central Asia Tbk (“BCA”) and for obtaining information on the products and/or services provided by BCA as well as other parties cooperating with BCA via a browser and/or a mobile application, which can be downloaded from the official application/software distribution media owned by the mobile operating system of the Customer's mobile device as designated by BCA.
  2. Mobile version of myBCA means the version of myBCA that can be accessed through a mobile application.
  3. Web version of myBCA means the version of myBCA that can be accessed through the URL https://mybca.bca.co.id on a web browser.
  4. BCA ID means a username created by the Customer in the form of 6 to 21 characters consisting of numbers, letters, or a combination of both, which can be used to access the BCA e-Channel facilities determined by BCA.
  5. BCA ID Password means a personal password that must be created and entered by a BCA ID user to be able to use the BCA ID, in the form of a 6-to-12-character combination of numbers and letters.
  6. PIN (Personal Identification Number) means a 6-digit personal identification number for use by the Customer to conduct any financial transaction via the mobile version of myBCA.
  7. BCA ATM Card means an ATM card issued by BCA, which can be used by a BCA ATM Card holder to conduct certain banking transactions through BCA ATMs and/or other facilities as determined by BCA.
  8. Cellular Operator means a company that provides cellular telephone network services.
  9. SMS (Short Message Service) means a short message service in the form of texts and/or numbers that can be received and/or sent via a mobile device.
  10. Customer means an individual customer that has a deposit account at BCA and/or a BCA credit card.

B.REGISTRATION OF myBCA
  1. Any Customer that owns a BCA ATM Card is entitled to obtain and use myBCA.
  2. To use the mobile version of myBCA, the Customer must:
    • Have a SIM card from a certain Cellular Operator;
    • Have a cellular phone number that is registered in the database of cellular phone numbers for BCA e-banking;
    • Install the myBCA application;
    • Create a BCA ID and a BCA ID Password;
    • Log in with the BCA ID and the BCA ID Password that have been created;
    • Choose the Customer’s account(s) and product(s) to be linked with the BCA ID on the BCA ID Account Personalization menu;
    • Create a PIN, which is self-determined by the Customer.
  3. To use the web version of myBCA, the Customer must:
  4. If the Customer already has a KlikBCA Individual, the Customer must enter the User ID and PIN of the KlikBCA Individual as well as Appli 1 Response of the KeyBCA that is linked with the KlikBCA Individual account.
  5. If the Customer does not have a KlikBCA Individual, the Customer must enter the One Time Password (OTP) code that is sent to the cellular phone number registered in the database of cellular phone numbers for BCA e-banking and selected by the Customer to receive the OTP code. To register his/her cellular phone number in the database of cellular phone numbers for BCA e-banking, the Customer can register the cellular phone number at any BCA Automated Teller Machine (ATM) and/or other facilities provided by BCA.
  6. Choose the Customer’s account(s) and product(s) to be linked with the BCA ID on the BCA ID Account Personalization menu;

C. TERMS OF USE
  1. After the Customer has completed the registration for myBCA, the Customer can use myBCA to conduct banking transactions on the Customer's account at BCA and obtain information on the products and/or services provided by BCA as well as other parties cooperating with BCA.
  2. The Customer must ensure the availability of funds in the Customer's account before making financial transactions through myBCA. The Customer must correctly and completely provide all the required data for each financial transaction..
  3. The Customer must enter the PIN on the mobile version of myBCA or the KeyBCA Appli Response on the web version of myBCA to conduct financial transactions or other transactions determined by BCA.
  4. Any instruction from the Customer as stored in BCA’s data center shall be deemed accurate and binding on the Customer and constitute valid proof of instruction from the Customer to BCA for the relevant transaction, except as proven otherwise by the Customer.
  5. The maximum transaction limit for myBCA shall follow the daily maximum limit for myBCA as determined by BCA.
  6. BCA shall accept and process any instruction from the Customer as a valid instruction based on the use of the cellular phone number, BCA ID, BCA ID Password, PIN (for the mobile version of myBCA), and/or KeyBCA Appli Response (for the web version of myBCA). BCA is under no obligation to review or investigate the authenticity or validity or authority of the user of such cellular phone number, BCA ID, BCA ID Password, PIN (for the mobile version of myBCA), and/or KeyBCA Appli Response (for the web version of myBCA) or judge or prove the accuracy or completeness of such instruction. Therefore, the instruction shall be deemed valid and legally binding on the Customer, except as proven otherwise by the Customer.
  7. Any immediate transaction instructed by the Customer to BCA is irrevocable for any reason whatsoever.
  8. The Customer must upgrade the mobile version of myBCA if a new version of the application is released through any official application/software distribution media designated by BCA.
  9. The Customer's failure to upgrade the mobile version of myBCA may result in the Customer’s inability to use myBCA or limited ability to access certain features on myBCA.
  10. For each financial transaction successfully processed by BCA based on the instruction from the Customer, the Customer will receive proof of transaction in the form of a reference number, which will be saved in the Customer’s Transaction History as evidence that the transaction has been processed by BCA as long as there is no disruption to the communication and/or Cellular Operator networks.
  11. BCA reserves the right not to process any instruction for a financial transaction from the Customer if the balance in the Customer’s account at BCA is insufficient for the relevant financial transaction or if the Customer’s account is blocked.
  12. The Customer shall be responsible for the accuracy and completeness of the transaction instruction sent to BCA through myBCA. BCA is not liable for any consequences arising from any incomplete and obscure data or inaccurate instruction from the Customer.
  13. When conducting a financial transaction on myBCA, the Customer must ensure, among others, the correctness of the name, destination account number, and transaction amount. The Customer shall be fully responsible for any consequences arising from the transactions conducted by the Customer, including any losses arising from the wrong name, destination account number, and transaction amount.
  14. The exchange rate for any transaction in a foreign currency shall be the TT (Telegraphic Transfer) rate for that currency as applied to transactions conducted through BCA ATMs.
  15. All records, tapes/cartridges, computer print-outs, copies, or any other forms of information or data storage media held by BCA shall constitute valid and conclusive evidence of the Customer’s instruction that is processed by BCA..
  16. The Customer accepts and acknowledges the validity, correctness, or authenticity of the proof of any instruction and communication electronically sent by BCA, including any documents in the forms of computer records or proof of transactions conducted by BCA, tapes/cartridges, computer printouts, copies, or any other forms of information storage media held by BCA. All such media and/or documents constitute the only valid and conclusive evidence of the banking transactions conducted by the Customer through myBCA, except as proven otherwise by the Customer.
  17. By conducting a transaction through myBCA, the Customer acknowledges that all communications and instructions received by BCA from the Customer shall be treated as valid evidence despite the absence of any document made in writing and/or signed by the Customer and BCA.
  18. The Transaction data that can be viewed on the Transaction History menu are those conducted within the last 31 (thirty-one) days..
  19. The Customer agrees that BCA has the right to store and/or use the data attached to the mobile device or browser used by the Customer when downloading or accessing myBCA as well as the transaction data (as well as distributing such transaction data to any other parties cooperating with BCA) for the Customer’s convenience and security in conducting transactions.

D. BCA ID, BCA ID PASSWORD, PIN, AND KEYBCA APPLI RESPONSE

  1. The BCA ID, BCA ID Password, PIN, and KeyBCA Appli Response must be used only by the relevant Customer.
  2. The Customer must keep the confidentiality of the BCA ID, BCA ID Password, PIN, and KeyBCA Appli Response by:
    • Not disclosing the BCA ID, BCA ID Password, PIN, and KeyBCA Appli Response to any other parties including the Customer’s family members or closest associates;
    • Not storing the BCA ID, BCA ID Password, PIN, and KeyBCA Appli Response on the cellular phone, or any other things or media in a way that allows others to see the BCA ID, BCA ID Password, PIN, and KeyBCA Appli Response.;
    • Carefully using the BCA ID, BCA ID Password, PIN, and KeyBCA Appli Response in a way that prevents others from seeing them.
    • Not using a cellular phone number, BCA ID, BCA ID Password, PIN, and KeyBCA Appli Response determined or created by another party or easily guessed by others, such as a birth date or any combination thereof, and a phone number.
  3. Any misuse of the BCA ID, BCA ID Password, PIN, and KeyBCA Appli Response shall be the full responsibility of the Customer. The Customer hereby holds BCA harmless against all claims, whether from other parties or from the Customer, as a consequence of any misuse of the BCA ID, BCA ID Password, PIN, and KeyBCA Appli Response.
  4. The use of the BCA ID Password, PIN, and KeyBCA Appli Response on myBCA shall have the same legal force as a written instruction signed by the Customer.
  5. The Customer may at any time change the BCA ID Password and PIN through the media provided by BCA.
  6. If the SIM card of the Cellular Operator and/or the Customer's mobile device is lost/stolen/transferred to another party, the Customer must report the same to the nearest BCA branch office or Halo BCA so that the access to myBCA can be blocked/prevented. All unauthorized transaction instructions using the cellular phone number, PIN, and BCA ID Password conducted before the authorized officer of BCA receives such report from the Customer shall become the sole responsibility of the Customer.
  7. The Customer must ensure that the mobile device and/or computer and web browser used to access myBCA comply with the standards set by BCA and are free from malware, viruses, and various applications that may harm the Customer and/or interfere with the smooth operation of the Customer's transactions through myBCA.
  8. BCA reserves the right to block the Customer's BCA ID if such BCA ID continues to be inactive for a certain period determined by BCA.
  9. BCA reserves the right to delete the Customer's BCA ID if all accounts in the Customer's CIN (Customer Identifier Number) are closed. Thereafter, the deleted BCA ID will become available for use by either the same Customer or another Customer.

E. BLOCKAGE OF ACCESS TO myBCA

  1. The access to myBCA shall be blocked if the Customer conducts the following:
    • The BCA ID Password is incorrectly entered 3 (three) times in a row;
    • The PIN is incorrectly entered 3 (three) times in a row on the mobile version of myBCA;
    • The KeyBCA Appli Response is incorrectly entered 3 (three) times in a row on the web version of myBCA;
    • A request to block the BCA ID is made according to the provisions applicable at BCA.
  2. The Customer is prohibited from pirating, duplicating, reproducing, and/or modifying myBCA on any electronic device. All consequences arising from such actions shall become the sole responsibility of the Customer..
  3. If the access to myBCA is blocked, the Customer must contact Halo BCA to have his/her BCA ID Password or PIN reset according to the procedure notified by the Halo BCA officer.

F. FORCE MAJEURE

In the event BCA is unable to process any instruction from the Customer, whether partially or wholly, due to events or causes beyond the control or capability of BCA, including but not limited to, natural disasters, war, riots, equipment/system/transmission breakdown, power failures, telecommunication disruption, government policy prohibiting BCA from providing services through myBCA, as well as any other events or causes beyond the control and capability of BCA, the Customer hereby holds BCA harmless against all claims of any kind in connection therewith.

G. TERMINATION OF MYBCA

  1. The provision of myBCA will terminate if:
    • The Customer requests BCA to terminate the use of myBCA because, among others, the Customer ceases to use the BCA ID or the cellular phone number
    • All the BCA IDs used on myBCA are blocked/deleted.
    • The Customer closes all the Customer’s accounts at BCA.
  2. BCA has the right to terminate the provision of myBCA to the Customer if, among others, the Customer uses myBCA to commit any unlawful acts or activities.

H. DISPUTE RESOLUTION

  1. The Customer agrees that any dispute or difference of opinion arising from and/or in connection with the implementation of these Terms and Conditions for myBCA between the Customer and BCA shall be resolved in an amicable manner.
  2. Any dispute or difference of opinion that cannot be amicably resolved between the Customer and BCA shall be resolved by means of banking mediation at Bank Indonesia or the Financial Services Authority or by means of mediation through an Alternative Dispute Resolution Institution included in the List of Alternative Dispute Resolution Institutions stipulated by the Financial Services Authority.
  3. Any dispute or difference of opinion that cannot be resolved in an amicable mannerand/or by means of mediation as described in item 2 above shall be resolved through the District Court of Central Jakarta, without prejudice to BCA's right to file a suit or claim through any other District Court within the territory of the Republic of Indonesia.

H. MISCELLANEOUS

  1. Any complaints related to myBCA must be lodged by the Customer to BCA within 3 (three) months from the date on which the transaction through myBCA is made.
  2. The Customer must immediately notify BCA in writing if there is a change in the Customer's data..
  3. The Customer can contact Halo BCA or any BCA branch offices for any issues related to the transactions, access blockage and/or closure of myBCA..
  4. The Customer must contact the relevant Cellular Operator to handle any issues related to the SIM Card, Cellular Operator network, internet network on the mobile device, usage bills from the Cellular Operator, SMS fees, and the Cellular Operator’s value-added services.
  5. BCA has the right to amend these Terms and Conditions for myBCA, which will be notified by BCA to the Customer in any form and by any means in accordance with the prevailing laws and regulations.
  6. The Facility Recipient hereby undertakes to comply with these Terms and Conditions for myBCA and all provisions applicable at BCA concerning the services, facilities, and transactions that can be conducted through myBCA, which will be notified by BCA to the Customer in any form and by any means in accordance with the prevailing laws and regulations.
These Terms and Conditions for myBCA of PT Bank Central Asia Tbk have been adjusted to ensure compliance with the prevailing laws and regulations including Regulations of the Financial Services Authority

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