LAKU

Savings account via agent without need to go to bank

Why LAKU?

Convenient

Make various transactions and payments with no monthly administration fee

Easy

Opening an account and information regarding the balance just through the nearest LAKU Agent

Interest Rate

Get 1% interest rate for average monthly balance IDR 1 and above

LAKU

LAKU

Open savings account easier and can be withdrawed anywhere without having to go to the bank via LAKU agents.

Benefits


Safe
Security in every transaction using PIN and/or OTP (One Time Password)

Important Information

Transaction Services That Can Be Made via LAKU

Via Mobile:

  • Balance inquiry
  • Transaction history

Via LAKU agent:

  • Balance inquiry
  • Transaction history
  • Cash deposit and withdrawal
  • Transfer between LAKU *)
  • Top Up *)
  • Bill Payment *)

*) Available Soon

Registration Procedures

  • Bring valid ID, visit LAKU agent and complete the registration form
  • You will received transaction receipt and SMS information contains the account number and PIN
  • Approval SMS will be received after the application is approved

How to Deposit Cash

  • Visit LAKU agent, enter the LAKU card on the Agent's Kit and enter the amount of money you want to save and the PIN number
  • Enter the OTP code received from the SMS, then press the continue button
  • Receipt of deposit will be printed along with proof of deposit SMS sent directly to the handphone

How to Withdraw Cash

  • Visit LAKU agent, enter the LAKU card on the Agent's Kit and enter the amount of money you want to withdraw and the PIN number
  • Enter the OTP code received from the SMS, then press the continue button
  • A withdrawal receipt will be printed along with an proof of withdrawal SMS sent directly to the cellphone
  • The agent will give money according to the withdrawal amount

Transaction Via Handphone

  • USSD (for Indosat, Telkomsel and XL user)
    Type * 141 *, select LAKU, then select the desired transaction

  • SMS
    Type SMS and Send to 69888

    - Balance Inquiry
    LAKU(space)SALDO(space)PIN code
    Example: LAKU SALDO 123456

    - Transaction History
    LAKU(space)MUTASI(space)PIN code
    Example: LAKU MUTASI 123456

LAKU’s Characteristics

  1. Have an account number generated from the Agent Device
  2. LAKU card serves as proof of ownership
  3. No administration fee
  4. Customer is an Indonesian citizen (WNI)
  5. The account will be dormant if not used within 6 (six) consecutive months
  6. Each customer is allocated one (1) LAKU Account
  7. Earn interest and be taxed on interest
  8. Transaction security includes PIN and/or OTP (One-Time Password)
  9. BCA is a member of Indonesia Deposit Insurance Program
  10. Individual Customer:
    1. Unregistered Customer (submission has not been approved by BCA)
      • Maximum Balance IDR1,000,000
      • Can only make deposit transactions
    2. Registered Customer (application has been approved by BCA)
      • Maximum Balance IDR20,000,000
      • Withdrawal (Debit Transaction) account cumulatively maximum IDR5,000,000 every month or IDR60,000,000 annually
    3. Unregistered Customer (submission not approved by BCA)
      • Account Close transaction is done at the agent, the customer's balance is fully refunded in cash

Fees, Limits & Interest Rates

Fee


Description

Amount (IDR)

Open Account Fee

No Fee

Close Account Fee

No Fee

Cash Deposit Fee

No Fee

Administration Fee

No Fee

Transfer Fee Between LAKU

No Fee

Cash Withdrawal Fee

IDR2,000 per transaction

Top Up & Data Package Fee

IDR1,500 per transaction

BPJS Health Payment Fee

IDR2,500 per transaction

Balance and Transaction History Fees

  • Via Agent: Free
  • Via SMS: SMS credit fee apply
  • Via USSD: Free
 

Card Administration Fee

IDR2,000

Transfer from Another Bank to LAKU Fee

IDR6,500 per transaction

SMS Notification & OTP Fee

Based on operator rates

 

Limit

Description

Amount (IDR)

Savings Balance Limit Maximum IDR 20,000,000
Cash Withdrawal Limit The maximum accumulation is IDR 5,000,000 per month
Deposit Limit & Top Up Unlimited up to a maximum balance
Top Up & Data Package Purchase Limit IDR 2,500,000

Get the Product

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