Sakuku

• Free monthly admin fees.
• Free Top Up Balance from BCA channels and Cash.
• Free Cash Withdrawal from ATM.
• Free Transfer to the Sakuku account and the BCA account.
• The fee for a credit or data plan top-up varies by operator.
• The SMS OTP fee from the Sakuku registration process varies by operator.

• Sakuku (Unregistered) is a Sakuku whose user identity data has not been registered in the BCA system as a verified account.
• Sakuku Plus is a Sakuku whose user identity data is registered and recorded in BCA (Registered).
• Your Sakuku account will be blocked if:
  • The user entered the wrong PIN 3 (three) times in a row;
  • The user applies for the blocking of the Sakuku account because the SIM Card of the user's Sakuku number or the user's mobile phone has expired/lost/stolen/transferred to another party
• Sakuku number is a mobile phone number used to open or connect a Sakuku account in the Sakuku application or on the Co-Partner Platform.
• Each mobile phone number can be used for only 1 (one) Sakuku account on the Sakuku application and/or each co-partner platform.
• Each time a user makes a transaction, they must enter a PIN to authorize it.
• If there is a system disruption at BCA or at the cellular operator, the Sakuku service will be inaccessible for a while.
• Closure of Sakuku services can be done through Halo BCA.
• BCA will inform the customers of any changes to the benefits, costs, risks, terms and conditions of this Product and/or Service through any means in accordance with the applicable legal provisions.

• Always keep your Sakuku PIN confidential for transaction security.
• Always pay attention to the confirmation screen before approving a transaction.
• In the event of a disruption in Sakuku's transactions, pay attention to the following:
1. Make sure the mobile number has credit available to send SMS when registering.
2. Make sure the mobile phone gets an adequate internet connection for transactions.
3. Make sure you have sufficient balance in your Sakuku and that it is not blocked during the transaction.
4. Check the proof of transaction to confirm the transaction was successful.
5. Contact Halo BCA at 1500888 or via the Halo BCA application for further assistance.
• When replacing the SIM card or mobile phone number used for Sakuku registration, customers must delete and re-download the Sakuku application, then re-register. The remaining balance will remain available in Sakuku as long as the customer uses the same mobile number and enters the same personal data as in the previous registration.

• Users, both BCA customers and non-customers, can open a Sakuku Plus account by verifying their identity and face.
• Foreigners have not been able to open a Sakuku Plus account.
• When registering, new users will automatically activate Sakuku Plus.

• If your mobile phone is lost or other circumstances make Sakuku inaccessible, you can contact Halo BCA.
• Halo BCA will verify the correctness of the data in accordance with the applicable procedures.
• If the verification is appropriate, Halo BCA will process the blocking of Sakuku.

• Customers can close their Sakuku accounts by contacting Halo BCA.
• Halo BCA will verify the truth in accordance with the applicable procedures and request the BCA account for the refund of the remaining Sakuku balance.
• If the verification is appropriate, Halo BCA will process the Sakuku closure.
• Specifically, for Sakuku Plus, the remaining Sakuku balance can be returned only to the BCA account with the same name as the Sakuku owner, or you can withdraw cash first before closing.

• Customers can submit complaints to Halo BCA regarding Sakuku. In handling such complaints, BCA may request that customers submit a photocopy of their identity card and other supporting documents.
• BCA will respond to such complaints in accordance with the applicable legal provisions.
• Any complaints related to Sakuku users must be submitted by the customer to BCA no later than 3 (three) months from the date of the transaction.

Customers can disconnect by accessing the unbinding feature on the Sakuku application.