Sakuku

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Sakuku

About Important Information Terms and Conditions Fees & Limits FAQ Get the Product Layanan API BCA

Sakuku

Sakuku is electronic money that can be used to support your lifestyle, from shopping payment, topping up phone credit to paying various bill.

Benefits


 

Simple
You just need to download the app to start using Sakuku
Convenient
Mobile phone number as Sakuku account number

Important Information

  • Transaction Screen Display
    For financial transaction, proof of transaction will be sent in the Inbox menu

  • Sakuku security
    - Mobile phone number
    - Sakuku PIN (6 digits numeric)

Sakuku Transaction Tips

  • Keep Sakuku PIN confidential to ensure secure transactions
  • Always check the confirmation screen before authorizing/approving transactions
  • If problems occurs when using Sakuku, please note the following points:
  • 1. Make sure you have sufficient mobile credit when registering for Sakuku
    2. Make sure you smartphone has Internet connection to conduct transactions
    3. Make sure you have sufficient balance in your Sakuku account, and your account is active (not blocked)
    4. Check your proof of transaction to make sure your most recent transaction was successful
    5. Contact Halo BCA at 1500888 if you need further assistance
  • If you change your SIM Card or mobile number you used to register for Sakuku, you will need to delete and re-download your Sakuku app, and then re-register for Sakuku service. Your balance will be the same as long as your mobile number remain the same

Sakuku Account Block

  • Block your Sakuku account by contacting Halo BCA if you lose your phone, or for other reasons
  • Halo BCA will follow procedure and verify your data
  • If data verification is successful, Halo BCA will block your Sakuku

Sakuku Account Closure

  • Contact Halo BCA to close your Sakuku account
  • Halo BCA will follow procedure and verify your data, and then ask to which BCA account you wish to issue the refund (Sakuku remaining balance)
  • If data verification is successful, Halo BCA will close your Sakuku account
  • For Sakuku Plus only: Sakuku refund can only be issued to BCA account with the same name as the Sakuku account. Alternatively, you can withdraw all remaining balance before closing your Sakuku account

    Notes:
    Sakuku will be temporarily unavailable if BCA system or cellular operator network encounters connectivity problems
    Sakuku products and service are registered to and monitored by Otoritas Jasa Keuangan

Issues Handling

  • Complaints/complaints to BCA regarding Sakuku can be submitted by the customer to Halo BCA. For the purposes of handling these complaints/complaints, BCA has the right to ask the customer to submit a photocopy of the customer's identity and other supporting documents
  • BCA will respond to the complaint in accordance with applicable legal provisions
  • Any complaint regarding the use of Sakuku must be submitted by the Customer to BCA no later than 3 (three) months from the date of the Transaction

Notice

Starting September 18th 2024, Sakuku account registrations cannot be processed. For the time being, Sakuku application can only be accessed if you already have Sakuku account.

TERMS AND CONDITIONS FOR SAKUKU
PT BANK CENTRAL ASIA Tbk (“BCA”)

A. DEFINITIONS

  1. Sakuku means a server-based electronic money denominated in rupiah using a cellular phone (cell phone) number as the account number.
  2. Customer means an individual that is registered as a Sakuku user.
  3. Cellular Operator means a company that provides cellular network services.
  4. SMS (Short Message Service) means a short text message that can be received and/or sent by the Customer via a cell phone and that can be viewed on the cell phone screen.
  5. Transaction means a transaction that can be made by the Customer using Sakuku, such as payment of a purchase transaction transfer, cash withdrawal, balance inquiry, transaction history inquiry, mobile recharge, mobile recharge request, and other transaction requests according to the provisions applicable at BCA, which will be notified by BCA to the Customer in any form and through any means according to the prevailing law.
  6. Co-Partner means a party that has entered into a cooperation with BCA to connect the Customer’s account on the Co-Partner’s Platform with the Customer’s Sakuku account.
  7. Co-Partner’s Platform means a website or application that is owned and/or administered by the Co-Partner or another party appointed by the Co-Partner at the responsibility of the Co-Partner .
  8. Terms and Conditions means these Terms and Conditions for Sakuku of PT Bank Central Asia Tbk (“BCA”).

B. REGISTRATION AND ACTIVATION OF SAKUKU

  1. The Customer can obtain the Sakuku application by downloading the Sakuku application through:
    1. BCA’s official website
    2. the official application/software distribution media designated by BCA and owned by the mobile operating system used on the Customer's cell phone;
  2. The Customer can register for Sakuku by entering the required data such as name, date of birth, and email address on the Sakuku application or the Co-Partner’s Platform.
  3. If the Customer has previously owned a Sakuku account and the Customer wishes to use the same cell phone number to use Sakuku on the Co-Partner’s Platform, the Customer can activate the Sakuku account on the Co-Partner’s Platform by entering the same personal data as those previously provided by the Customer when registering for the Sakuku account already owned by the Customer.
  4. To conduct a transaction using Sakuku, the Customer can first transfer funds to or top up Sakuku through BCA Automated Teller Machine (ATM), KlikBCA Individual, myBCA, other BCA channels or non-BCA channels as may be determined by BCA.

C. TERMS OF USE

  1. Sakuku Number means the cell phone number used by the Customer to register for or activate Sakuku on the Sakuku application or the Co-Partner’s Platform. Furthermore, the Customer's cell phone number will be used as a means of authorization for a Transaction.
  2. The Customer must register and use the Customer's own cell phone number. All consequences arising from the registration of another person’s cell phone number shall be the sole responsibility of the Customer, and the Customer hereby holds BCA harmless against all claims, suits, and/or other legal proceedings made by any party.
  3. One cell phone number can only be used for registration or activation of 1 (one) Sakuku account on the Sakuku application and/or 1 (one) account oneach Co-Partner’s Platform.
  4. The Customer is fully responsible for the use of the Sakuku number, including for any misuse of the Sakuku number.
  5. The Transaction can be made by the Customer through the Sakuku application on the Customer's cell phone, the Co-Partner’s Platform, and/or through other means according to the provisions applicable at BCA, which will be notified by BCA to the Customer in any form and through any means according to the prevailing law.
  6. The Customer must run version upgrade of the Sakuku application and/or the Co-Partner’s Platform whenever there is a need to upgrade the Sakuku application and/or the Co-Partner’s Platform.
  7. The Customer's failure to run a version upgrade of the Sakuku application and/or the Co-Partner’s Platform may lead to the Customer’s limited ability to access certain features on the Sakuku application and/or the Co-Partner’s Platform.
  8. The Customer will be charged a fee for each SMS sent in connection with any Sakuku transaction that requires an SMS, such as a registration and verification process. The SMS rate shall follow the applicable rate determined by the Cellular Operator.
  9. If the SIM card of cell phone number registered as the Sakuku number is stolen or lost, the Customer must immediately contact Halo BCA.
  10. The funds stored on Sakuku shall not earn interest and are not subject to tax.
  11. In the event of any discrepancy between the balance on Sakuku and the balance on record with BCA, the balance or the records held by BCA will prevail, except it can be proven that there is an error in the balance or log recorded by BCA .
  12. The Customer may modify the Customer’s data in accordance with the provisions applicable at BCA.
  13. In the event the Customer uses Sakuku on the Co-Partner Platform, the Customer hereby gives consent to BCA to provide the Co-Partner with the Customer’s data, the Customer's Sakuku account data (including information on the Sakuku number and balance), and the data of any Transaction made by the Customer.
  14. BCA has the right to make any correction to the Customer's balance if there is error made by BCA.
  15. The Sakuku account can be closed by the Customer via Halo BCA.
  16. The funds stored in Sakuku are not classified as deposit as referred to in the banking law, and therefore the funds stored in Sakuku are not covered by the insurance scheme provided by the Deposit Insurance Corporation (LPS).
  17. The Customer hereby agrees that BCA has the right to inform the Customer's name, Sakuku number, and/or Transaction data to any other party in connection with the Transaction made by the Customer.
  18. The customer agrees that:
    • BCA has the right to store and use the Customer’s personal data and other data attached to the cellular phone (mobile phone) used by the Customer to download Sakuku;
    • BCA and/or other parties cooperating with BCA may obtain, access, store, and use data attached to the cellular phone (mobile phone) used by the Customer to download Sakuku;
    • among others, for the convenience and security of the Customer in making Transaction as well as for the purpose of promoting BCA’s banking products and other parties cooperating with BCA.

  19. BCA reserves the right to block the Sakuku account, reject any transaction involving the Sakuku account, and/or terminate its business relationship with the Customer if:
    1. the Customer fails to comply with the prevailing law.
    2. the Customer fails to provide any information and supporting documents according to the prevailing law.
    3. the Customer is found to have used and/or is reasonably suspected of using false documents and/or providing incorrect data to BCA;
    4. the Customer provides questionable information;
    5. the Customer’s source of funds for the Transaction is found to be emanated from and/or reasonably suspected of emanating from a crime; and/or
    6. the Customer makes a Transaction that exceeds reasonable limits.
  20. If deemed necessary, BCA has the right to debit the balance in the Customer's Sakuku account if there are indications of fraud, misuse of Sakuku, violation of these Terms and Conditions, criminal acts, or other unlawful acts that may cause losses to BCA or other parties.
  21. By registering and using the Sakuku account, the Customer is bound by and agrees to all these Terms and Conditions and other provisions governing the Transaction. BCA has the right to amend these Terms and Conditions and any provisions related to the Transaction, and such amendment will be notified by BCA in any form and through any means according to the prevailing law. If the Customer registers for the Co-Partner’s Platform and makes a Transaction thereon, the Customer agrees to be bound by and comply with the provisions applicable at the Co-Partner.

D. PIN AND OTP OF SAKUKU AND CUSTOMER’S OBLIGATIONS

  1. PIN (Personal Identification Number) must be used only by the relevant Customer.
  2. Each time the Customer runs activities or Transaction that requires authorization, the Customer must enter a PIN as a means of authorizing activities or Transactions.
  3. The Customer must keep the confidentiality of the PIN and OTP (One Time Password). The Customer is fully responsible for the use of the PIN and OTP, including in the event of any misuse of the PIN and OTP.
  4. The Customer must keep the confidentiality of the PIN and OTP by:
    • not disclosing the PIN and OTP to any other parties including the Customer’s family members or closest associates;
    • not storing the PIN and OTP on the cell phone, or any other things or media that may cause others to discover the PIN and OTP;
    • carefully using the PIN and OTP in a way that prevents others from seeing them; and/or
    • not using a PIN created or selected by another party or easily guessed by others, such as a birth date or any combination thereof, and a phone number.
  5. Any misuse of the PIN or OTP shall be the full responsibility of the Customer. The Customer hereby holds BCA harmless against all claims, lawsuits, and/or other legal proceedings whether brought by the Customer or another party, as a consequence of such misuse of the PIN or OTP.
  6. The use of the PIN and OTP on Sakuku shall have the same legal force as a written instruction signed by the Customer.
  7. The Customer must ensure that the cell phone used for transactions using Sakuku is free from viruses, malware, and/or other similar threats that may harm the Customer. All consequences arising therefrom shall be the full responsibility of the Customer.

E. FEES AND LIMITS

  1. The Customer must pay the fees and charges incurred in connection with the Transaction as well as other fees and charges applicable at BCA or the Co-Partner.
  2. BCA has the right to determine the following:
    1. the minimum and maximum balance of Sakuku;
    2. the limitations on top-up amount into the Sakuku account;
    3. the maximum number of Sakuku accounts that the Customer may own;
    4. limitations on the Transaction including but not limited to the limitation on the Transaction frequency and/or amount that can be made by the Customer through the Sakuku application on the Customer's cell phone, the Co-Partner’s Platform, and/or through other means according to the provisions applicable at BCA.
  3. BCA has the right to at any time amend any provisions related to the Transaction fees and such other fees related to the Transaction as referred to in point 1 above as well as any provisions related to the minimum or maximum balance of Sakuku, the limitation on the number of Sakuku accounts that the Customer may own, and the limitations on the Transaction as referred to in point E.2 above according to the provisions applicable at BCA.
  4. The fees and limitations as referred to in point 1, E.2, and E.3 above will be notified by BCA to the Customer in any form and through any means according to the prevailing law.

F. BLOCKING AND CLOSING OF SAKUKU ACCOUNT

  1. The Sakuku account shall be blocked if:
    • The Customer enters the wrong Sakuku PIN 3 (three) times in a row;
    • The Customer makes a request for the blockage of the Sakuku account because the SIM Card linked to the Customer's Sakuku number is expired/lost/stolen/transferred to another party.
  2. The Sakuku account will be closed if the Customer enters the wrong personal data when activating or re-activating the Sakuku account. The Customer can re-register for the Sakuku account within the period determined by BCA and if there is a balance in that closed Sakuku account, the Customer may contact Halo BCA to have the Sakuku balance credited to the Customer's account.
  3. In the event the Sakuku account is blocked due to the matters referred to in point F.1 above, the Customer can reactivate the Sakuku account on the Sakuku application or the Co-Partner’s Platform.
  4. If the SIM Card of the Sakuku number or the Customer's cell phone is expired/lost/stolen/transferred to another party, the Customer must immediately report the same to Halo BCA to have the Sakuku account blocked. All Transaction instructions using the cell phone number, PIN, and OTP made before BCA receives the report from the Customer shall become the sole responsibility of the Customer.

G. FORCE MAJEURE

    The Customer hereby holds BCA harmless against all lawsuits, claims, and/or other legal proceedings of any kind for the delay and/or failure by BCA to perform its obligations related to Sakuku if such delay and/or failure arises from events or causes beyond the control or capability of BCA, including but not limited to natural disasters, conflagrations, wars, riots, sabotage, system failures, power failures, telecommunications disruption, and government policies.

H. HANDLING OF COMPLAINTS

  1. Any complaints to BCA regarding Sakuku may be lodged by the Customer through Halo BCA. For the purpose of handling such complaints, BCA has the right to ask the Customer to submit a copy of the Customer's identity and other supporting documents.
  2. BCA will respond to the complaints in accordance with the prevailing law.
  3. Any complaints related to the use of Sakuku must be lodged by the Customer with BCA within no later than 3 (three) months of the Transaction date.
  4. Any Complaints related to a Transaction made on the Co-Partner’s Platform must be lodged by the Customer with the Co-Partner. For the purpose of handling such complaints, the Co-Partner has the right to ask the Customer to submit a copy of the Customer's identity and other supporting documents.
  5. The Customer agrees that any dispute or difference of opinion arising from and/or in connection with the implementation of these Terms and Conditions between the Customer and BCA shall be resolved in an amicable manner.
  6. 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 established by the Financial Services Authority.
  7. Any dispute or difference of opinion that cannot be resolved in an amicable manner and/or by means of banking mediation as described in item 6 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.

THESE TERMS AND CONDITIONS FOR SAKUKU BCA HAVE BEEN ADJUSTED TO THE PREVAILING LAWS AND REGULATIONS INCLUDING REGULATIONS OF THE FINANCIAL SERVICES AUTHORITY

Fees, Limits and Interest

Fee


Description

Fee

Sakuku Registration Fee

SMS OTP fee based on operator type

Top Up Phone Credit / Data Package Fee Based on operator type
Top up fee from other bank funding channels Refers to transfer fee for BCA Virtual Account using funds from other banks

Limit


Description

Limit

Maximum Top Up ( each the Sakuku account per month)

Sakuku IDR 20,000,000/month

Sakuku Plus IDR 40,000,000/month

Maximum Balance

IDR 2,000,000 for Sakuku

IDR 20,000,000 for Sakuku Plus

Merchant/e-Commerce Shopping Payment

Minimum IDR 1 per transaction
Maximum According to the maximum Sakuku balance

QRIS Shopping Payment Limit

Minimum IDR 1/transaction

Maximum IDR 10,000,000/transaction

Data and Mobile Credit Top Up Limit

IDR2,500,000/day

Game Voucher Purchase Limit

IDR1,000,000/day

Cash Withdrawal at BCA ATM

MinimumIDR 50,000/transaction

Maximum IDR 1,250,000/transaction

Top Up/Deposit to Sakuku/Sakuku Plus

IDR20,000,000/day

Split Bill

Minimum IDR5,000/transaction

Maximum fit the bill

Transfer / Request for transfer

Minimum IDR5,000

Sakuku maximum balance limit 

Note: Transactions can only be done via Sakuku Plus

FAQ

Is there an administration fee or interest rates for Sakuku?

In compliance with Bank Indonesia regulations, electronic money services like Sakuku does not incur administration fee or interest rates.

What should I do if my transaction is successful but I did not receive a notification/proof?

Check your account balance on Sakuku mutation feature. If your balance remains the same, then the transaction was not successful, and you must try again. If your balance has been reduced, but the transaction has failed, please contact Halo BCA at 1500888.

Why can’t I conduct Sakuku transactions?

Reasons may include:

  • Your smartphone does not support Sakuku
  • SMS-Center operator is busy, your phone does not have battery, insufficient mobile credit, network disruption, or other causes

What do I do if I forgot my PIN/Sakuku is blocked?

You will need to delete and re-download your Sakuku app, and then re-register for Sakuku service.

What do I do if when I re-register, I am asked to re-register the next day?

  1. Your phone number may have been registered for Sakuku before using a different set of data, and BCA needs to process and verify the information
  2. You can ask for a refund to proof that you are the rightful owner of the account

What if my SIM Card and/or mobile phone is lost or stolen?

Report your loss to your provider and Halo BCA at 1500888 for processing. To use Sakuku again, you will need to re-download your Sakuku app, and re-register for Sakuku service using the same data.

Will my money be safe is my SIM Card/mobile phone is lost/stolen?

Yes, as long as your Sakuku PIN remains confidential.

What should I do if my Sakuku account is debited?

Visit the nearest branch/call Halo BCA at 1500888 for processing. BCA will verify your data and specified transaction, and process the next step.

Will I lose my balance if I upgrade to Sakuku Plus?

No, your balance will remain the same.

How to top up Sakuku balance?

Users can top up their Sakuku balance through the following methods:

Via BCA mobile

  • m-BCA
  • m-Transfer
  • Sakuku
  • Enter Sakuku number (mobile number)
  • Enter the amount
  • Enter m-BCA PIN

Via KlikBCA

  • Fund Transfer
  • Transfer to Sakuku
  • Enter Sakuku number (mobile number)
  • Enter the amount
  • Enter keyBCA appli 2
  • Enter keyBCA appli 1

Via myBCA

  • Transfer
  • Sakuku
  • Enter Sakuku number (mobile number)
  • Enter the amount
  • Enter myBCA PIN

Via ATM BCA

  • Other Transactions
  • Transfer
  • Transfer to Sakuku
  • Enter Sakuku number (mobile number)
  • Enter the amount

BCA Branch

  • Cash Deposit at Teller

Other Bank's ATM Card

  • Other Transactions
  • Transfer
  • Transfer to BCA Virtual Account
  • Enter 88000 + Sakuku number (880000812xxx)
  • Enter the amount

Via other bank's e-channel

  • Select transfer to another bank
  • Select BCA
  • Choose the type of transfer (clearing/LLG/online)
  • Enter the account number (88000 + mobile number)
  • Enter the amount
  • Enter PIN

Is Sakuku only for BCA customers?

You can use Sakuku even if you don’t have a BCA account. Sakuku is available for both customers and non-customers.

What if you don’t have a BCA account, but would like to upgrade to Sakuku Plus?

You can visit the nearest BCA branch.

Can I have more than one Sakuku account?

Yes, using a different mobile number and smartphone.

Can I access Sakuku abroad?

You can access Sakuku abroad as long as your smartphone have access to Internet and SMS roaming is active (only for Sakuku registration).

How do I know if my transaction is successful?

You will receive a notification on your screen, which will be saved to your Sakuku inbox.

What if I don’t have a BCA account, but would like to upgrade to Sakuku Plus?

You can visit the nearest BCA branch.

Will I lose my balance if I upgrade to Sakuku Plus?

No, your balance will remain the same.

Will my data change if I upgrade to Sakuku Plus?

Your name and birthday will be verified using your existing data and BCA account, and cannot be changed through your Sakuku app.

What should I do if I wish to close my Sakuku account?

You can call Halo BCA at 1500888. Halo BCA will verify your data according to standard procedure and ask for your BCA account to refund the remaining Sakuku balance. If data verification is successful, Halo BCA will process the Sakuku termination.

For Sakuku Plus, the remaining Sakuku balance will be refunded only to a BCA account under the same name or you can withdraw all remaining balance before closing your Sakuku account.

How do I claim/request a refund for a Sakuku account that has been closed?

You can contact Halo BCA and process a refund if data verification is successful and provide the account number for the refund.

What if my Sakuku account has been closed but I want to use it again?

You can download the Sakuku app and register by filling out all required data with a waiting period of 30 (thirty) calendar days from the last registration date.

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