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

Karakteristik LAKU

  1. Memiliki nomor rekening yang dihasilkan dari Perangkat Agen
  2. Bukti kepemilikan rekening adalah Kartu LAKU
  3. Tidak dikenakan Biaya Administrasi bulanan
  4. Nasabah adalah individu berkewarganegaraan Indonesia (WNI)
  5. Rekening akan tidak aktif (dormant) jika tidak digunakan dalam waktu 6 (enam) bulan berturut-turut
  6. Nasabah hanya diperbolehkan membuka 1 (satu) rekening LAKU
  7. Mendapatkan bunga dan dikenakan pajak atas bunga
  8. Pengamanan transaksi menggunakan Kartu LAKU, PIN dan OTP
  9. Dijamin oleh Lembaga Penjamin Simpanan (LPS)
  10. Nasabah Perorangan/Individu:
    • Nasabah Belum Teregistrasi (pengajuan belum disetujui oleh BCA)
      • Saldo Maksimum Rp1.000.000
      • Hanya dapat melakukan transaksi setoran
    • Nasabah Teregistrasi (pengajuan sudah disetujui oleh BCA)
      • Saldo Maksimum Rp20.000.000
      • Tarikan (Transaksi Debet) rekening secara kumulatif maksimal Rp5.000.000 per bula atau Rp60.000.000 per tahun
    • Nasabah Tidak Teregistrasi (pengajuan tidak disetujui oleh BCA)
      • Dilakukan transaksi Tutup Rekening di agen, saldo nasabah dikembalikan sepenuhnya secara tunai

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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