Forex Pocket

Forex Pocket (Poket Valas) is a group of subaccounts that holds funds in foreign currencies and is linked to the main account.

Main Features

The Customer can activate and deactivate Forex Pocket via myBCA. The account used to activate Forex Pocket is called the main account.
There are 18 (eighteen) Forex Pocket currencies, all of which will be active upon activation, namely United States Dollar (USD), Singapore Dollar (SGD), Chinese Yuan (CNY), Euro (EUR), Australian Dollar (AUD), Japanese Yen ( JPY), Pound Sterling (GBP), Hong Kong Dollar (HKD), Malaysian Ringgit (MYR), Thailand Baht (THB), Swiss Franc (CHF), Canadian Dollar (CAD), Danish Krone (DKK), New Zealand Dollar (NZD), Swedish Krona (SEK), Saudi Riyal (SAR), South Korean Won (KRW), and United Arab Emirates Dirham (AED).
Forex Pocket can be activated by making an initial deposit into one of the Forex Pockets currencies.

The Customer can top up funds, transfer to BCA Account, and forex transfer from/to other banks using Forex Pocket via myBCA.

Type of Transaction with Forex Pocket	Notes
Top up own funds ^{1) 2)}
From a BCA Account to Forex Pocket	From IDR or same currency
Between Forex Pocket	From different currency
Transfer between own BCA Accounts or to another’s BCA Account ²⁾
From a BCA Account to Forex Pocket	From IDR or same currency
From Forex Pocket to a BCA Account	To IDR or same currency
Transfer between own Forex Pocket or to another’s Forex Pocket ²⁾
Between Forex Pocket	From same or different currency
Forex transfer from/to other banks ³⁾
From Forex Pocket to account in another bank	From same currency
From another bank to Forex Pocket	To same currency

*Notes:

¹⁾ Top-ups can only be made using the same BCA ID as Forex Pocket.
²⁾ Forex Pocket transactions denominated in MYR or KRW can only be made to Foreign Exchange Current Account in the same foreign currency or from/to own BCA Account denominated in IDR.
³⁾ Forex Pocket transactions denominated in MYR, THB, KRW, or AED to other banks can only be conducted as long as the country of domicile of the receiving bank is the country of the intended currency owner. Example: forex transaction denominated in THB to an account in another bank domiciled in Thailand.

Competitive interest rates on the main account balance.
Forex Pocket balance inquiry can be made via myBCA.
The Customer will receive information on the Customer’s account transaction history in the form of a soft copy account statement (e-Statement) by downloading it directly from the channels owned by the Customer. The e-Statement for each Forex Pocket currency constitutes an integral part of the e-Statement for the main account.
The Customer can use the BCA Mastercard Debit card to make cash withdrawals from Forex Pocket via overseas ATMs, debit transactions with Forex Pocket via overseas EDC machines, and debit online transactions on e-commerce merchant platforms where the transactions are processed outside Indonesia if the main account is linked as the primary account.

Forex Pocket transactions with the BCA Mastercard Debit card are subject to the following provisions:

Accepted Currency	Notes	Example 1	Example 2
Available in Forex Pocket	Transactions are conducted using the funds from Forex Pocket in the relevant currency ¹⁾	When the customer is in Singapore, the customer’s cash withdrawal and debit transactions are conducted using the funds from Forex Pocket in SGD	When the customer makes a debit online transaction on an e-commerce merchant platform where the transaction is processed in Singapore using SGD, the transaction is conducted using the funds from Forex Pocket in SGD
Not Available in Forex Pocket	Transactions are conducted using the funds from the main account ²⁾	When the customer is in India, the customer’s cash withdrawal and debit transactions are conducted using the funds from the main account	When the customer makes a debit online transaction an e-commerce merchant platform where the transaction is processed in India using INR, the transaction is conducted using the funds from the main account

*Notes:

¹⁾ Ensure that the balance of Forex Pocket is sufficient to avoid declined transaction and not charged a decline fee.
²⁾ Ensure that the balance of main account is sufficient to avoid declined transaction and not charged a decline fee.

Forex Pocket transactions conducted in different currencies will be subject to the exchange rates applicable at BCA. Information on BCA’s competitive exchange rates can be seen before conducting Forex Pocket transactions at myBCA.
The Customer wishing to deactivate their Forex Pocket will be given the following information:
- The balance of each currency in Forex Pocket is in the actual currency and in Rupiah (equivalent).
- The total accumulated Forex Pocket balance is in Rupiah (equivalent).
The Customer can conduct Forex Pocket transactions through BCA branches.
The Customer must check the availability of banknotes with the relevant BCA Branch at least D-1 (one day) and through myBCA branch services before making a banknote withdrawal from Forex Pocket source of funds.

Benefits

Accommodating the customer’s need for 1 (one) account with multiple currencies.
Offering a convenient solution for the customer to make savings and conduct transactions in various currencies seamlessly with myBCA and the BCA Mastercard Debit card.
Serving as a convenient solution for the Customer to deposit banknotes into the Forex Pocket and withdraw banknotes from the Forex Pocket at BCA branches.
- The Customer may conduct 1:1 banknotes deposit transactions in USD, SGD, CNY, JPY, AUD, EUR, GBP, and HKD through BCA Main Branches and Sub-Branch Office.
- The Customer may conduct 1:1 banknotes withdrawal transactions in USD through BCA Main Branches and Sub-Branch Office, while withdrawal of SGD, CNY, JPY, AUD, EUR, GBP, and HKD currencies are only available at Main Branches.

Risk

LPS does not guarantee savings accounts with balances above Rp2 billion or interest rates exceeding those set by LPS
Forex Pocket may be affected by exchange rate fluctuations in line with market conditions.
The Customer cannot deactivate their Forex Pocket on the same day as the activation.
As long as the customer has not deactivated Forex Pocket, the customer cannot close the main account.

Requirements and Procedures

Individual customer of Indonesian citizens and foreign citizens.
The Customer must be a user of myBCA with financial access.
The Customer must have a BCA Account that meets the following criteria to be used as the main account:
- Account type: Tahapan, Tahapan Gold, Tahapan Xpresi, and Tapres. If the Tapres account is used as a Customer Fund Account (RDN) or Lender’s Account (RDL), then the account cannot be used as a main account of Forex Pocket.
- Not a joint account, trust account, or guardian account.
- Linked to the Customer's BCA ID.
The Customer does not have an active Forex Pocket linked to any other BCA Accounts.

Fees and Limits

Initial Deposit Nominal

An initial deposit must be made into one of the Forex Pocket currencies upon activation. The initial deposit amounts for each Forex Pocket are as follows:

Currency	Minimum Initial Deposit Amount
United States Dollar (USD)	USD5
Singapore Dollar (SGD)	SGD8
Chinese Yuan (CNY)	CNY35
Euro (EUR)	EUR5
Australian Dollar (AUD)	AUD7
Japanese Yen (JPY)	JPY525
Pound Sterling (GBP)	GBP3
Hong Kong Dollar (HKD)	HKD39
Malaysian Ringgit (MYR)	MYR20
Thailand Baht (THB)	THB150
Swiss Franc (CHF)	CHF4
Canadian Dollar (CAD)	CAD7
Danish Krone (DKK)	DKK35
New Zealand Dollar (NZD)	NZD8
Swedish Krona (SEK)	SEK50
Saudi Riyal (SAR)	SAR20
South Korean Won (KRW)	KRW7.000
United Arab Emirates Dirham (AED)	AED20

Last Update: August 22^th, 2025

Top Up and Transfer Nominal

The minimum amounts for adding funds and transferring with the Forex Pocket are as follows:

From/to a BCA Account

Currency	Minimum
Indonesian Rupiah (IDR)	IDR10,000

Last Update: June 24^th, 2024

From/to Forex Pocket

Currency	Minimum
United States Dollar (USD)	USD1
Singapore Dollar (SGD)	SGD1
Chinese Yuan (CNY)	CNY1
Euro (EUR)	EUR1
Australian Dollar (AUD)	AUD1
Japanese Yen (JPY)	JPY100
Pound Sterling (GBP)	GBP1
Hong Kong Dollar (HKD)	HKD1
Malaysian Ringgit (MYR)	MYR1
Thailand Baht (THB)	THB10
Swiss Franc (CHF)	CHF1
Canadian Dollar (CAD)	CAD1
Danish Krone (DKK)	DKK1
New Zealand Dollar (NZD)	NZD1
Swedish Krona (SEK)	SEK1
Saudi Riyal (SAR)	SAR1
South Korean Won (KRW)	KRW1.000
United Arab Emirates Dirham (AED)	AED1

Last Update: August 22^th, 2025

From Forex Pocket to account in another bank

Currency	Minimum
United States Dollar (USD)	USD100 (eqv)
Singapore Dollar (SGD)
Chinese Yuan (CNY)
Euro (EUR)
Australian Dollar (AUD)
Japanese Yen (JPY)
Pound Sterling (GBP)	GBP101
Hong Kong Dollar (HKD)	USD100 (eqv)
Malaysian Ringgit (MYR)
Thailand Baht (THB)
Swiss Franc (CHF)
Canadian Dollar (CAD)
Danish Krone (DKK)
New Zealand Dollar (NZD)
Swedish Krona (SEK)
Saudi Riyal (SAR)
South Korean Won (KRW)
United Arab Emirates Dirham (AED)

Last Update: August 22^th, 2025

Fees

There are no fees charged for the Forex Pocket.

Transaction Fees

Outward Remittance fees to other banks can be viewed here.
Inward Remittance fees from other banks can be viewed here.

Fees for Forex Pocket transactions using the BCA Mastercard Debit card:

Type of Fee	Fee per Transaction
Overseas cash withdrawal ^{1) 2)}	IDR20.000 (equivalent)
Decline overseas cash withdrawal transaction ^{1) 3)}	IDR5.000
Access fee	Fees according to overseas banks/ATM providers
Decline overseas debit transaction ³⁾	IDR2.500
Decline debit online transactions on e-commerce merchant platforms where the transactions are processed outside Indonesia	Free
Currency conversion using the exchange rates set by overseas banks/ATM/EDC machine providers	In accordance with the prevailing exchange rate at the overseas bank/ATM/EDC machine providers

Last Update: July 15^th, 2025

Catatan:

¹⁾Notably, there is no overseas cash withdrawal fee of IDR20.000 (equivalent) and declined overseas cash withdrawal transaction fee of IDR5.000 for cash withdrawal transactions via DBS Singapore ATMs (excluding access fees which may be charged by overseas banks/ATM providers).
²⁾The fees for overseas cash withdrawals will be charged using BCA e-Rate, subject to the following:

If a transaction is conducted in a currency available in Forex Pocket, the fee will be charged to Forex Pocket in the relevant currency.
If a transaction is conducted in a currency not available in Forex Pocket, the fee will be charged to the main account.
If the transaction is conducted with the currency conversion feature provided by the overseas bank/ATM/EDC provider, the transaction will be charged in IDR and the fee will be charged to the main account.

³⁾ The fee for a declined transaction will be charged to the main account in Rupiah.

Banknotes withdrawals at BCA Branch Offices for USD, SGD, and CNY exceeding USD/SGD/CNY 1.000, as well as withdrawals in other currencies with an equivalent value of IDR100,000,000 or more, must be confirmed in advance with the branch handling the withdrawal transaction 1 (one) day in advance. Failure to do so will cause the Customer to incur a fee of IDR100,000.

Limit

Daily transaction limits for Forex Pocket with BCA Mastercard Debit card:

Type of Transaction	Paspor Blue*	Paspor Gold*	Paspor Platinum*	Paspor Xpresi*	Tapres Card*
Via Overseas ATMs
Cash Withdrawal	IDR15,000,000	IDR15,000,000	IDR15,000,000	IDR10,000,000	IDR15,000,000
Via Overseas EDC Machines and Debit Online Transactions on E-Commerce Merchant Platforms where the Transactions are Processed Outside Indonesia
Debit	IDR100,000,000	IDR125,000,000	IDR150,000,000	IDR50,000,000	IDR125,000,000

Last Update: July 15^th, 2025

* The limit for each type of Forex Pocket transaction is the combined limit for all types of savings account transactions and applies to its equivalent in another currency.

Daily transaction limits for Forex Pocket via myBCA:

Type of Transaction	Purpose of Transaction
Type of Transaction	To Own Account	To Other Account
Top Up
From BCA Account in IDR/same currency to Forex Pocket	No Limit ¹⁾	-
Between Forex Pocket in different currency	USD1.000.000 ²⁾	-
Transfer between BCA Accounts
From BCA Account in IDR/same currency to Forex Pocket	No Limit ¹⁾	IDR500.000.000 ³⁾
From Forex Pocket to BCA Account in IDR/same currency	No Limit ¹⁾	IDR500.000.000 ³⁾
Transfer between Forex Pockets
Between Forex Pocket in same currency	-	IDR500.000.000 ³⁾
Between Forex Pocket in different currency	USD1.000.000 (eqv) ²⁾	IDR500.000.000 ³⁾and USD1.000.000 (eqv) ²⁾
Forex Transfer to Other Banks
From Forex Pocket to other bank's forex account ⁴⁾	USD25.000 (eqv)	USD25.000 (eqv)

Last Update: February 18^th, 2025

Remarks:

¹⁾The transaction limit for Top Up and Transfer with the purpose of transactions to own account is combined with the limit of Transfer transactions to own BCA Account currently applicable on myBCA.
²⁾Transactions between Forex Pocket in different currency with the purpose of transactions to own or other account will reduce the limit of Cross currency transfer between Forex Pocket in the amount of USD 1.000.000 (equivalent) per day per customer.
³⁾The transaction limit for Transfer with the purpose of transactions to other account is combined with the limit of Transfer between BCA Accounts currently applicable on myBCA.
⁴⁾The transaction limit for transfer from Forex Pocket to other bank's forex account with the purpose of transactions to own or other account is combined with the limit of Transfer Forex to Other Banks currently applicable on myBCA.

The threshold and provisions imposed on customers for 1:1 fund deposit and withdrawal transactions at BCA branches are as follows:

Transaction	Type of Transaction	Provision
Deposits 1:1¹⁾
USD	Perfect condition USD banknotes with a deposit amount above USD50,000/month/account	Subject to a 0,25% fee on the excess amount
	USD banknotes in mint condition	0,25%
	USD banknotes with small denominations	0,50%
SGD	Deposits above SGD30,000/month/account	Subject to a 0,30% fee on the excess amount
CNY	Deposits above CNY30,000/month/account	Subject to a 0,65% fee on the excess amount
CNY	CNY banknotes in mint condition	0,65%
AUD	Deposits above AUD2,500/month/account	Subject to a 0,30% fee on the excess amount
EUR	Deposits above EUR2,500/month/account	Subject to a 0,30% fee on the excess amount
GBP	Deposits above GBP2,500/month/account	Subject to a 0,30% fee on the excess amount
HKD	Deposits above HKD5,000/month/account	Subject to a 0,30% fee on the excess amount
JPY	Deposits above JPY100,000/month/account	Subject to a 0,30% fee on the excess amount
Withdrawals 1:1
USD ¹⁾	USD banknotes in multiples of USD10,000	0,30%
USD ¹⁾	USD banknotes in pristine condition with a withdrawal limit of over USD30,000/month/account	Subject to a 0,20% fee on the excess amount
SGD	Withdrawals exceeding SGD10,000/month/account	Subject to a 0,20% fee on the excess amount
CNY	Withdrawals exceeding CNY10,000/month/account	Subject to a 0,65% fee on the excess amount
AUD	Withdrawals exceeding AUD2,500/month/account	Subject to a 0,40% fee on the excess amount
EUR	Withdrawals exceeding EUR2,500/month/account	Subject to a 0,40% fee on the excess amount
GBP	Withdrawals exceeding GBP2,500/month/account	Subject to a 0,40% fee on the excess amount
HKD	Withdrawals exceeding HKD5,000/month/account	Subject to a 0,40% fee on the excess amount
JPY	Withdrawals exceeding JPY100,000/month/account	Subject to a 0,40% fee on the excess amount

¹⁾ There are currency denomination provisions that can be applied to deposits and withdrawals on a 1:1 basis

Simulation

There are no simulations available for this Product and/or Service.

Important Information

Additional Information

Each customer can only have 1 (one) active Forex Pocket.
If there are multiple accounts connected to 1 (one) BCA Mastercard Debit card, the customer must ensure that the main account is the primary account so that Forex Pocket can be used for overseas transactions.
For overseas transactions using a physical BCA Mastercard Debit card, customers can activate source fund redirection setting for cash withdrawals from Forex Pocket via overseas ATMs, debit transactions with Forex Pocket via overseas EDC machines and debit online transactions on e-commerce merchant platforms where the transactions are processed outside Indonesia from Forex Pocket to the main account when the Forex Pocket balance is insufficient via myBCA. By activating this setting, the whole amount of the transaction will be debited from the main account with the exchange rate applicable at BCA.
Upon activation, all currencies in Forex Pocket will be activated. Consequently, upon deactivation, all currencies in Forex Pocket will be deactivated as well.
If there is still a balance remaining in Forex Pocket when the customer deactivates Forex Pocket, the deactivation will result in the simultaneous transfer of all funds from Forex Pocket to the main account.
Forex Pocket transaction data that is complete and binding on the customers is the transaction data listed on the e-Statement.
Forex Pocket cannot be used as a special account for Foreign Exchange from Natural Resources Export Proceeds (DHE SDA), even if the main account is a DHE SDA account.
A purchase of foreign currency above a certain nominal amount with a source of funds in Rupiah must be accompanied by underlying documents in accordance with the applicable Bank Indonesia foreign currency purchase regulations.
Banknotes withdrawals at BCA Branch Offices are subject to the availability of banknotes stock at each respective branch.
Forex Pocket transactions denominated in MYR and KRW comply with the provisions of Local Currency Transaction (LCT), in which each transaction from BCA Account denominated in IDR to Forex Pocket denominated in MYR or KRW needs to be accompanied by underlying documents with the following conditions:
- If the transaction is denominated in MYR at a nominal amount ≥USD500.000 (equivalent) per transaction.
- If the transaction is denominated in KRW at a nominal amount >USD500.000 (equivalent) per transaction.
Detailed information about LCT can be seen here.
Forex Pocket transactions denominated in MYR to own BCA Account denominated in IDR can be conducted as long as the transaction nominal is <USD500.000 (equivalent) per transaction.
Before deactivating Forex Pocket, the balance of Forex Pocket denominated in MYR with a nominal value of ≥USD500.000 (equivalent) needs to be transferred to own BCA Account denominated in IDR.
BCA shall inform of any changes to the benefits, fees, risks, terms and conditions of this Product and/or Service any means in accordance with the applicable terms and conditions.

Product and Service Information Summary (RIPLAY)

Terms and Conditions

Forex Pocket

Why Forex Pocket at myBCA?

1 Account with 18 Foreign Currencies

Seamless

Convenient