Sakuku is electronic money that can be used to support your lifestyle, from shopping payment, topping up phone credit to paying various bill.
You just need to download the app to start using Sakuku
Mobile phone number as Sakuku account number
Transaction Screen Display
For financial transaction, proof of transaction will be sent in the Inbox menu
- 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
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
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
Fees, Limits and Interest
At the beginning, for initialization of the application, SMS sent and received by customers will be charged to customers at:
Telkomsel IDR 300 - IDR 1,320 per SMS*
Indosat IDR 400 - IDR 600 per SMS*
Effective from July 2021, SMS sent and received by customers will be charged to customer at
Smartfren IDR 150 - IDR 600 per SMS*
XL IDR 400 - IDR 600 per SMS*
3 (Tri) Hutchison IDR 250 - Rp 500 per SMS*
Not include VAT 10%
Minimum Top Up
Maximum Top Up
IDR20,000,000 per month
Sakuku Plus IDR10,000,000
According to balance
QRIS Payment Limit
Maximum IDR 5,000,000/transaction
Data and Mobile Credit Top Up Limit
IDR2,500,000/day (join limit)
Game Voucher Purchase Limit
Cash Withdrawal at BCA ATM
Maximum IDR 1,250,000/transaction
Top Up/Deposit to Sakuku
Maximum according to balance
Transfer to Sakuku or BCA Account
Maximum according to balance
Sakuku Registration Fee
IDR 250 - IDR 350 depending on the type of operator
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?
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
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.
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.
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.
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