For Value Today (same-day) transactions, please be aware of the cut-off time for each currency:
Currency
Cut Off Time Value Today
JPY
09.30
NZD
10.00
AUD*
10.30
KRW
11.00
HKD, SAR, MYR, THB
12.00
CNY
13.30
SGD
12.30
AED
14.30
USD, EUR, CAD, GBP, CHF, SEK, DKK
15.00
IDR to Malaysia, Thailand, Japan, China, South Korea, and United Arab Emirates
15.00
Notes:
*AUD Today transferred to ANZ and Commonwealth Bank in Australia, cut-off time is at 13:00 (UTC +7).
For e-Branch value today service transaction still can be processed at the cut-off time of 30 minutes prior to BCA Branch’s.
Bank Indonesia: SiMoDIS
According to Bank Indonesia Regulation Number 22/21/PBI/2020 regarding Export Proceeds (DHE) and Import Payment Foreign Exchange (DPI), exporter and importer are required to inform the purpose code, invoice number, and the paid amount of invoice through Branch or internet banking in the “Message/Remarks” field according to the format from Bank Indonesia during settlement.
SiMoDIS format in the Message Field using purpose code:
2012//InvoiceNumber(PaidAmountOfInvoice) for import
1011// InvoiceNumber(PaidAmountOfInvoice) for export
If the SiMoDIS information is too long to be included in the Remarks Column, please follow these steps:
Input the SiMoDIS format in the Remarks Column with a plus sign (+) at the end, as shown below: 2012//InvoiceNumber(PaidAmountOfInvoice)+
Send any additional SiMoDIS information to Halo BCA via email halobca@bca.co.id with the subject: Additional SIMODIS – PPU Number
Please ensure the following information is included in the email:
PPU Number
Transaction Date
Additional SiMoDIS format that begins with a plus sign (+): +2012//InvoiceNumber(PaidAmountOfInvoice)
For further information about Bank Indonesia: SiMoDis, click here.
Bank of Indonesia Regulation: Underlying Document
In accordance with the provisions of Regulation of the Member of the Board of Governors (PADG) No. 7 of 2026 regarding Amendments to PADG No. 11 of 2024 regarding Foreign Exchange Market Transactions and PADG No. 8 of 2026 regarding the Third Amendment to PADG No. 21/28/PADG/2019 regarding Monitoring of Foreign Exchange Flow Activities of Banks and Customers, these are the information about the underlying documents or supporting documents for foreign exchange transactions:
For our valued customer who uses source fund in Rupiah for our Outward Remittance transaction, customer is required to complete the Form of Foreign Currency Purchase Statement. If the accumulated foreign currency purchase in a month has reached the threshold of above equivalent USD 50,000, customer is required to provide underlying document following to the applicable regulation.
For our valued customer who uses source of fund in Foreign Currency and the amount of each transaction is equivalent to threshold of above USD 50,000, customer is required to provide underlying document following to the applicable regulation.
Foreign Currency Transfer Guidelines
Get the guidelines for foreign currency transfer via e-Channel as follows:
BSB Number information can be appended in Messages column at the
transaction input page
(6 characters)
3
Canada
Detailed Information "Travel Rule Regulation"
• Detail information of account number, full name, and complete
address and receiver information
• Address must include the information street name and number
• Transit number (9 digit) is required
4
Chile
Chilean Tax ID (RUT)
• Format: alphanumeric (min. 7 digit, max. 9 digit)
• Outward Remittance to Chile in Chilean Peso (CLP)
5
China
Detailed Address
Detailed information of Beneficiary/Receiver (including City and Province) alongside with a reachable receiver’s phone number.
Detailed information of receiver bank address is optional
6
Brazil, Europe, and Middle East
IBAN
• IBAN Number information is appended into receiver account number
7
India
IFSC Code dan POP Code
BIC Code of Receiver Bank is required
IFSC Code Number & POP Code (purpose of payment) is mandatory to be appended in Messages colomn at the transaction input page
Format: POP Prefix - Transaction Purpose, 12 Digit BIN, 10 Characters EKNP. e.g POP Salary, BIN 123456789112, EKNP XXYYKZTZZZ
8
Kazakhtan
Purpose of Payment (POP) Code, Business Identification Number (BIN),
Payment details (EKNP), and IBAN
• POP Code Information, BIN, and EKNP is appended in order in Messages
coloumn at the transaction input page
9
Mexico
CLABE Number
CLABE Number information is appended into receiver account number
(18 characters)
10
Russia
VO Code or Purpose of Payment Code
• VO Code or Purpose of Payment Code is appended in Message coloumn at
the transaction input page
• Format: VO + 5 digit angka. e.g VO12345
Hacker Awareness
Get complete information about how to deal with fraud via email here.
Fees & Limits
Outward Remittance
To accommodate its customer’s needs, BCA provides competitive limits and
fees for each product and service. View the limits and fees for Transfer
of Funds.
OUTWARD REMITTANCE
Description
Fees
Telex Fee
Through e-Channel
IDR 35,000
Through Branch
IDR 50,000
Provision Fee (currency’s source of fund is the same as the
currency of the transaction) 1)
THB and MYR
USD 5 (eq.)
Other Currencies, Except IDR
0.125% x Transfer Amount
min USD 5 (eq.) – max USD 150 (eq.)
Bank Notes as the Source of Fund
0.25% - 2% x Transfer Amount 2)
min USD 10 (eq.)
Value Today Fee
IDR 30,000
Full Amount Fee
All Other Currencies
USD 25 (eq.)
JPY to Correspondent Bank 3)
JPY 1,000 + (0.05% x Transfer Amount)
Min. JPY 3,000
JPY to Other Bank
JPY 1,000 + (0.1% x Transfer Amount)
Min. JPY 6,000
EUR to All Countries
EUR 30
AUD to Australia
AUD 20
CNY to China
USD 10 (eq.)
HKD to All Countries
HKD 300
IDR (LCT Transaction) 4)
IDR 200,000
Multicurrency Scheme
USD 20 (eq.)
Note:
1) Provision Fee is waived for foreign currency transfers using Forex Pocket
as source of fund until 30th June 2026
2) Provision Fee for banknotes source of fund shall follow the applicable
terms and conditions relating to currency, denomination, and condition of
the banknotes
3) List of Correspondent Bank:
- MUFG Bank
- Sumitomo Mitsui Banking Corp
- Mizuho Corporate Bank
4) Rupiah (IDR) transfers to overseas can be made through Local Currency Transaction
scheme
INVESTIGATION FEES
DESCRIPTION
FEES
Investigation requested within 3 months after transaction date*)
IDR 150.000
Investigation requested within more than 3 months after transaction
date*)
IDR 500.000
Inward Remittance in foreign currency **)
USD 20
Inward Remittance in IDR
IDR 50.000
SiMoDIS information adjustment (MT 199 Koreksi dan Modul
Bank)
IDR 50.000
Note:
*) OR transactions include inquiry, amendment, cancellation, and
MT103 request, meanwhile IR transaction includes MT103 request.
**) Including inquiry, amendment, rejection, and cancellation.
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