SimPel

Savings account for student

Why Simpanan Pelajar?

Simple

First deposit only IDR 5,000 and free administration fee

Convenient

Card with the student name

Saving Culture

Shaping the culture of saving and getting to know the world of banking among students

Simpanan Pelajar

SimPel

Tabungan SimPel BCA is a savings product issued nationally by banks in Indonesia for students, which serves as preparatory for the future as well as an early introduction to the banking world.

Important Information

Terms and Procedures:

  • Available for an individual customer.
  • Only for Indonesian citizen.
  • Fill and sign account opening form.
  • Account opening is not subject to stamp duty fee.
  • Bring all necessary documents.

Types of Customers

Document

Minors represented by a parent (< 12 years old)

Parent’s ID card

Parent’s NPWP 

Child’s birth certificate/Family Card/Child’s ID card

Minors represented by a legal guardian (< 12 years old)

Guardian’s ID card and NPWP

Letter of Appointment of Guardians from the District Court

Unrepresented minors (12- <17 years old)

Child’s ID card

Student card/Statement letter from school/ID card, for Indonesian Citizens

Passport/ID Card, for foreigners

Parent’s ID card and NPWP

Parent’s Statement Letter

*Note: If the Customer does not/does not yet possess an NPWP, it can be replaced with a statement letter of not owning an NPWP.

For inquiries and complaints:

Contact Us:

Halo BCA 1500888

Email: halobca@bca.co.id

WA: +628111500998

www.bca.co.id

Social Media

Facebook : GoodLife BCA

Instagram : @goodlifebca

Youtube : Solusi BCA

Twitter : @BankBCA

Features, Benefits, and Risks of Simpanan Pelajar

Key Features of Simpanan Pelajar:

  • Available in Rupiah.
  • Simpanan Pelajar does not earn interest.
  • Minimum subsequent deposit of Rp1,000
  • Minimum reserved balance of Rp5,000
  • Maximum balance of Rp20,000000
  • The guaranteed interest rates adhere to the prevailing interest rates on Deposit Insurance Corporations (LPS) webpage.
  • Daily transaction limit based on card:

Types of Transaction

Simpanan Pelajar Card

Cash Withdrawal

Rp7,000,000

Cash Deposit

Rp15,000,000

Transfer between Accounts

Rp25,000,000

Benefits:

  • Provided with a Simpanan Pelajar card.
  • Guaranteed security, PIN for ATM BCA allows for a safe and comfortable transaction.

Risks:

  • LPS does not guarantee your savings, if:
    1. The amount of all savings (including interest) at one bank exceeds (equal to) Rp2 billion for both single and joint accounts.
    2. The interest rate applicable exceeds the LPS-guaranteed interest rate.
  • Interest rates fluctuation may occur following market developments.
  • If the remaining balance in the customer account is zero for 6 consecutive months, the account will be automatically closed.

Additional Information

  • It is not available for joint account.
  • Customers are only allowed to open 1 account.
  • Simpanan Pelajar does not have e-channel facilities.
  • To close a savings account, customers can visit the branch where the account was opened and an account closing fee will be charged.
  • The Bank is required to notify all changes to the benefits, costs, risks, terms, and conditions of these Products and Services by mail or through other means pursuant to the prevailing terms and conditions. Such notification will be made 30 days prior to the effective date.
  • For every offer and subscription of other products, BCA will first ask the customer for approval to provide customer data to third parties.
  • Information about fees, benefits, and risks is available on bca.co.id.

Disclaimer (important note)

  • The Bank may reject the application for Simpanan Pelajar if they do not fulfill the applicable terms and conditions.
  • The customer has read and understood the savings product according to the Product Summary.
  • This Product Summary is not part of the application for opening a Tabunganku account.
  • Customers are required to read, understand, and sign the application for opening a Simpanan Pelajar
  • Information included in the Product Summary is valid until the new amendment related to the BCA Savings in this Product Summary is made.
  • Customers are required to carefully read this Product Summary before agreeing to the opening of Simpanan Pelajar. Customers may rightly ask a Bank employee or call Halo BCA at 1500888 for any inquiries or complaints related to the Product Summary.

Placement

  • The nominal placement starts from Rp5,000

Fees

Description

Fee

Card Replacement Fee

Free

Monthly Administration Fee

Free

Account Closing Fee

Rp5,000 or the value of the remaining balance if below Rp5,000 and dormant

Debit Transaction Fee

Rp2,500 per transaction after the 5th transaction

Passive Fee

Rp1,000 per month starting from the 13th month

Paper Statement Fee

Free

TERMS AND CONDITIONS FOR SIMPANAN PELAJAR (STUDENT SAVINGS)
PT BANK CENTRAL ASIA Tbk (“BCA”)

I. TERMS AND CONDITIONS FOR SIMPANAN PELAJAR (STUDENT SAVINGS)

A. GENERAL TERMS AND CONDITIONS

  1. Simpanan Pelajar means a savings account intended for students and issued nationwide by Indonesian banks, with easy and simple requirements as well as attractive features, for the purposes of financial education and inclusion so as to promote the saving culture at an early age.
  2. Simpanan Pelajar Depositor means a student of the early childhood education (PAUD), the kindergarten (TK), the elementary school (SD), the junior high school (SMP), the senior high school (SMA), the Islamic school or Madrasah (MI, MTs, MA) or equivalent who is under 17 years old and has not obtained a Resident ID Card (KTP) (hereinafter referred to as the “Depositor”).
  3. The Depositor is only allowed to open 1 (one) Simpanan Pelajar account at BCA. The Simpanan Pelajar account can only be opened in the form of a single account (it cannot be opened in the form of a joint account with the status of “And” or “Or”).
  4. Upon opening the Simpanan Pelajar account, the Depositor will obtain a Simpanan Pelajar Card, which can be used for conducting transactions. The parent or guardian that opens a Simpanan Pelajar account for the benefit of a minor in the capacity as his/her parent or guardian is fully liable for the use of the Simpanan Pelajar Card provided by BCA in connection with the opening of the Simpanan Pelajar account, including any misuse of the Simpanan Pelajar
  5. The maximum balance in the Simpanan Pelajar account is Rp. 20,000,000 (twenty million rupiah). The maximum balance limit is subject to change at any time, and the change will be notified by BCA to the Depositor in any form and by any means in accordance with the prevailing law.
  6. The Simpanan Pelajar account will be accorded a dormant status if the Simpanan Pelajar account is inactive, i.e., there is no transaction except taxes and/or administrative fees for 12 (twelve) consecutive months. If the Simpanan Pelajar account is accorded a dormant status and the account balance is less than or equal to Rp 5,000 (five thousand rupiah), the account may be automatically closed by the system, and an account closing fee in the amount of the remaining balance will apply.
  7. The Depositor will be charged certain fees in relation to the opening of the Simpanan Pelajar account and for the issuance and/or use of the Simpanan Pelajar Card, including but not limited to the fee for producing/replacing the Simpanan Pelajar Card (if later charged by BCA), a transaction fee for the 5th (fifth) withdrawal onwards made in the same month, a monthly dormant charge if the account is dormant, and other charges and fees applicable at BCA, which will be notified to the Depositor by BCA in any form and by any means in accordance with the prevailing law. Such fees will be debited directly by BCA from the Depositor’s Simpanan Pelajar
  8. With certain considerations, BCA reserves the right to disqualify a Simpanan Pelajar account from a lucky draw program held by BCA.
  9. The Depositor must notify BCA in writing of any changes to the Depositor’s data.
  10. The Depositor hereby authorizes BCA to provide the Depositor‘s data to any party other than BCA that has entered into a cooperation agreement with BCA, for promotional activities or other commercial purposes.
  11. In the event of the Depositor’s death, BCA may request any documentation of heirship as required by BCA as the basis for liquidating the balance in the Simpanan Pelajar account and paying the same to the rightful beneficiary(-ies) specified in the documentation of heirship. Once the balance in the Simpanan Pelajar account of the deceased Depositor has been liquidated and paid to the rightful beneficiary(-ies) or attorney(s)-in-fact as specified in the documentation of heirship, BCA is released and forever discharged from any liability whatsoever in connection with the Depositor’s Simpanan Pelajar
  12. As long as the Depositor still has outstanding debts to BCA under any credit facility, L/C, bank guarantee or guarantee provided by the Depositor (borgtocht), interest, facility fee (provisi), Cheque/Bilyet Giro book charges, stamp duty, draft, letter of acceptance or other commercial papers signed by the Depositor as an acceptor, endorser, or drawer, guarantor or arising from the use of a credit card or any other fees or obligations arising from anything whatsoever, BCA is entitled, and to the extent necessary is hereby authorized by the Depositor to debit the Depositor’s account and apply the proceeds to repay any amounts at any time owing to BCA. Any consequences arising from the debiting of the Simpanan Pelajar account under the power granted by the Depositor shall be the sole responsibility of the Depositor.
  13. BCA has the right to rectify the balance of the Depositor’s account in the event of any mistake made by BCA in inputting the relevant data.
  14. The Depositor is entitled to obtain a Simpanan Pelajar Account Activity Statement. If within 14 (fourteen) days after the Simpanan Pelajar Account Activity Statement is provided by BCA, the Depositor does not file any objection with a BCA branch office, the Depositor is deemed to have accepted all the data contained in the Simpanan Pelajar Account Activity Statement.
  15. The Simpanan Pelajar Account Activity Statement is provided to the Depositor upon the Depositor’s request to BCA to print out the Simpanan Pelajar Account Activity Statement and it can be collected by the Depositor at a BCA branch office. If the Simpanan Pelajar Account Activity Statement is not collected by the Depositor within 3 (three) months from its date of issuance, the relevant Simpanan Pelajar Account Activity Statement will be destroyed.
  16. BCA reserves the right to block the Depositor’s account, reject any transaction involving the Depositor’s account, and/or terminate the business relationship with the Depositor if:
    1. the Depositor fails to comply with the prevailing law;
    2. the Depositor fails to provide any information and supporting documents in accordance with the prevailing law;
    3. the Depositor is known to have used and/or reasonably suspected of using false documents and/or providing incorrect data to BCA;
    4. the Depositor provides questionable information; and/or
    5. the Depositor’s source of transaction funds is known to emanate from and/or reasonably suspected of emanating from a crime.
  17. If there is any discrepancy between the balance in the Simpanan Pelajar account and the balance on record with BCA, the balance on record with BCA will prevail, unless proven otherwise.
  18. The Depositor holds BCA harmless against all claims, lawsuits, and/or other legal proceedings and all losses arising from the forgery of a Simpanan Pelajar
  19. BCA is not liable for the breakdown and/or failure of BCA ATMs and/or other facilities due to causes beyond BCA's control.
  20. All data connected with the Simpanan Pelajar Account will be held and stored by BCA in accordance with the prevailing law.
  21. The closure of a Simpanan Pelajar account can only be done by the Depositor at the BCA branch office where the Simpanan Pelajar account is opened, and for that purpose the Depositor must present the Depositor’s original and valid ID card, the Simpanan Pelajar Card and other supporting documents (if applicable) according to the provisions applicable at BCA.
  22. The closure of the Simpanan Pelajar account is subject to an account closing fee of Rp 5,000 (five thousand Rupiah) or any other amount as notified by BCA from time to time to the Depositor in any form and by any means in accordance with the applicable law.
  23. The Depositor’s funds at BCA are guaranteed by the Indonesia Deposit Insurance Corporation (Lembaga Penjamin Simpanan, or “LPS”) to the extent of the maximum limit stipulated by the LPS. The LPS does not guarantee any deposit with interest at the rate exceeding the maximum interest rate stipulated by the LPS.
  24. BCA will offer certain products/services provided by BCA and any other party that has entered into a cooperation agreement with BCA via personal communication channels. If the Depositor refuses to get such offer, the Depositor can contact Halo BCA.

B. DEPOSITS AND WITHDRAWALS

  1. The initial deposit must be at least Rp 5,000 (five thousand Rupiah) and the subsequent deposits must be at least Rp 1,000 (one thousand rupiah) or any other amount as notified by BCA from time to time in any form and by any means in accordance with the prevailing law.
  2. Deposits can be made at any time through the teller counter during BCA business hours or through BCA’s car when BCA branch office representatives are visiting the school, or through BCA cash deposit machines and/or other facilities as may be determined by BCA.
  3. Cash withdrawals or funds transfers can be made at any time at a BCA branch office during BCA business hours or through BCA ATMs and/or other facilities as may be determined by BCA.
  4. Cash withdrawal and/or funds transfer transactions can only be conducted up to 4 (four) times within the same month, and this limit is applicable to all the facilities used by the Depositor/the Depositor’s parent or guardian. BCA has the right to at any time change the provisions regarding the cash withdrawal transaction, and the change will be notified by BCA in any form and by any means in accordance with the prevailing law.
  5. For the cash withdrawals or funds transfers made by the Depositor through a teller counter, BCA will use a PIN pad and will require the Depositor to present his/her Simpanan Pelajar Card to the teller. BCA has the right to request the Depositor to produce his/her original identity card to BCA when the Depositor makes a cash withdrawal in a certain amount through the teller counter.
  6. Cash withdrawals or funds transfers by the Depositor’s attorney-in-fact can be made at a BCA branch office, and the Depositor’s attorney-in-fact must present a duly fiscal-stamped power of attorney from the Depositor as well as the original and valid identity card of each the Depositor and the attorney-in-fact.

C. COMPLAINTS HANDLING

  1. Any complaints to BCA in connection with the Simpanan Pelajar account may be lodged by the Depositor with any BCA branch office or with HALO BCA. For the purpose of handling a complaint, BCA may ask the Depositor to provide BCA with a copy of the identity card of the Depositor’s parent or guardian and other supporting documents.
  2. BCA will respond to such complaint in accordance with the prevailing law.
  3. Any complaints relating to the Simpanan Pelajar account must be lodged by the Depositor with BCA within no later than 3 (three) months of the transaction date.

II. TERMS AND CONDITIONS FOR SIMPANAN PELAJAR CARD

A. DEFINITIONS

  1. Cardholder means an individual who owns a Simpanan Pelajar Card in connection with a Simpanan Pelajar Account at BCA and who has completed and signed the application form for Individual Account Opening.
  2. Simpanan Pelajar Card means a card issued by BCA that can be used by the Cardholder to conduct Certain Transactions through BCA ATMs and/or other facilities as determined by BCA.
  3. Certain Transaction means a transaction that can be conducted by the Cardholder through BCA ATM and/or other facilities as determined by BCA such as balance inquiry, cash withdrawal, funds transfer to other accounts at BCA, change of Personal Identification Number (PIN).

B. GENERAL TERMS AND CONDITIONS FOR SIMPANAN PELAJAR CARD

  1. The Simpanan Pelajar Card is the property of BCA. Upon request by BCA, the Simpanan Pelajar Card must be returned to BCA.
  2. The Simpanan Pelajar Card is issued for use by the Cardholder only and is not transferrable by any means whatsoever. All consequences arising from any misuse of the Simpanan Pelajar Card shall be the sole liability of the Cardholder.
  3. The Simpanan Pelajar Card must not be used for purposes other than to conduct a Certain Transaction.
  4. For funds transfer to another Simpanan Pelajar account through BCA ATM and/or any other facility provided by BCA and/or another bank’s ATM and/or any other facility provided by another bank (if applicable), the Cardholder hereby authorizes BCA to:
    1. display the Cardholder’s name and/or account number on the screen of BCA ATM and/or any other facility provided by BCA.
    2. provide the Cardholder’s name and/or account number to such other bank to be displayed on the screen of such other bank’s ATM and/or any other facility provided by such other bank.
  5. The display of the name and/or account number as described in items a and b above is intended as a means of seeking confirmation from the remitting customer to minimize the possibility of the remitting customer transferring to a wrong account.

  6. Every time the Cardholder uses the Simpanan Pelajar Card, the Cardholder is requested to enter a personal identification number or PIN. The Cardholder must keep the confidentiality of the PIN and must not disclose the PIN to any other person. All consequences arising from any misuse of the PIN shall be the sole liability of the Cardholder.
  7. The parent or guardian that opens an account in the capacity as the parent or guardian of a minor is fully liable for the use of the Simpanan Pelajar Card provided by BCA in connection with the relevant account and must not disclose the PIN of the Simpanan Pelajar Card to any other person including to the minor as the account holder. All consequences arising from the use of the Simpanan Pelajar Card and the PIN, including any misuse thereof shall be the sole liability of the parent or guardian.
  8. If the Simpanan Pelajar Card is stolen or lost, the Cardholder must immediately provide BCA with a written notice of such theft or loss.  The notice must be made and signed by the Cardholder in the form and substance satisfactory to BCA and submitted to a BCA branch office during BCA business hours. If the Cardholder is unable to come to the BCA branch office, the notification can be made through Halo BCA.
  9. Any notice of theft or loss of the Simpanan Pelajar Card will be followed by a blockage by BCA of the relevant Simpanan Pelajar Card. The Simpanan Pelajar Card will remain blocked by BCA until BCA receives a written request from the Cardholder to unblock the same. As long as the notice of theft or loss has not been received by BCA, any Certain Transactions made using the stolen or lost Simpanan Pelajar Card shall be the sole liability of the Cardholder.
  10. The written request to release the blockage of the lost Simpanan Pelajar Card can be submitted by the Cardholder to a BCA branch office. BCA has the right to verify the identity of the Cardholder when the Cardholder requests the release of the blocked Simpanan Pelajar Card. If the Cardholder is unable to come to the BCA branch office, the request can be made through Halo BCA.
  1. The Cardholder can only use the Simpanan Pelajar Card to conduct a Certain Transaction as long as the Cardholder's account balance at BCA is sufficient.
  2. Below is the procedure or manual for using the Simpanan Pelajar Card through BCA ATMs.
    1. insert the Simpanan Pelajar Card;
    2. enter the PIN. If the Depositor enters the wrong PIN 3 (three) times in a row, the Simpanan Pelajar Card will be blocked. The Cardholder can unblock the Simpanan Pelajar Card at a BCA branch office by taking the relevant Simpanan Pelajar Card and the Cardholder’s ID card;
    3. select the desired type of transaction.
  3. Any records and calculations from BCA with respect to a Certain Transaction and/or an account balance in connection with the use of the Simpanan Pelajar Card are conclusive and binding evidence unless proven otherwise.
  4. The Cardholder holds BCA harmless against all claims, lawsuits, and/or other legal proceedings and for any losses arising from the forgery of the Simpanan Pelajar
  5. BCA will refuse to process any transaction with the Simpanan Pelajar account whose Simpanan Pelajar Card has been reported lost by the Depositor to BCA. To be able to conduct transactions again using the Simpanan Pelajar account, the Depositor can apply for a replacement of the Simpanan Pelajar Card to a BCA branch office in accordance the applicable provisions at BCA.
  6. BCA for a certain reason has the right to at any time block, terminate, revoke or update the Simpanan Pelajar Card and/or block the Cardholder's account in any form whatsoever.
  7. BCA has the right to terminate the Cardholder’s use of the Simpanan Pelajar Card if the Cardholder fails to comply with the terms and conditions applicable to the holder of the Simpanan Pelajar
  8. If a Simpanan Pelajar Card is not collected within 3 (three) months after the application is made, BCA will destroy such Simpanan Pelajar
  9. The use of the Simpanan Pelajar Card is subject to the terms and conditions applicable at BCA, including the terms and conditions for all services/facilities and Certain Transactions covered by the Simpanan Pelajar BCA has the right to modify the terms and conditions applicable at BCA as well as the provisions governing all services or facilities and Certain Transactions covered by the Simpanan Pelajar Card, and such modification will be notified by BCA in any form and by any means in accordance with the prevailing law.
  10. The use of the PIN on a BCA ATM, BCA Non-Cash ATM and/or BCA pin pad has the same legal force as a written instruction signed by the Cardholder.
  11. The Cardholder hereby acknowledges that all records, printouts, recordings, communication media, or other evidence of any nature held by BCA in connection with the electronic banking transactions conducted by the Cardholder constitute valid and conclusive evidence binding on the Cardholder, unless proven otherwise. The data connected with the electronic banking transactions conducted by the Cardholder will be stored by BCA in accordance with the prevailing law.
  12. The Cardholder hereby authorizes BCA to provide the Cardholder ‘s data to any other party for promotional activities or other commercial purposes.
  13. If the Cardholder applies for the replacement of a damaged Simpanan Pelajar Card, the Cardholder must return the damaged Simpanan Pelajar Card to BCA.
  14. The Simpanan Pelajar Card will be closed if the Simpanan Pelajar account is closed.

C. COMPLAINTS HANDLING

  1. Any complaints to BCA in connection with the use of the Simpanan Pelajar Card may be lodged by the Cardholder with any BCA branch office or with HALO BCA. For the purpose of handling a complaint, BCA may ask the Cardholder’s parent or guardian to provide BCA with a copy of the identity card of the Cardholder’s parent or guardian and other supporting documents.
  2. BCA will respond to such complaint in accordance with the prevailing law.
  3. Any complaints relating to the Simpanan Pelajar Card must be lodged by the Depositor with BCA within no later than 3 (three) months of the date of the CertainTransaction.

F. DISPUTE RESOLUTION

  1. The Depositor/Cardholder agrees that any dispute or difference of opinion arising from and/or in connection with the implementation of these Terms and Conditions for Simpanan Pelajar BCA between the Depositor/Cardholder and BCA will be resolved in an amicable manner.
  2. Any dispute or difference of opinion that cannot be amicably resolved between the Depositor/Cardholder and BCA will be resolved through banking mediation facilities 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 stipulated by the Financial Services Authority.
  3. Any dispute or difference of opinion that cannot be resolved in an amicable manner, by means of banking mediation, and/or by means of mediation as described in item 2 above will 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.

IMPORTANT: THE DEPOSITOR/CARDHOLDER IS PROHIBITED FROM STORING OR LEAVING HIS/HER SIMPANAN PELAJAR CARD WITH BCA

The Depositor/Cardholder hereby confirms that the Depositor/Cardholder fully understands and agrees to the Terms and Conditions for Simpanan Pelajar of PT Bank Central Asia Tbk ("BCA") as described above and that BCA has provided sufficient explanation and sought the Depositor’s/Cardholder’s confirmation of his/her understanding of the benefits, charges and fees, and risks associated with the Simpanan Pelajar account

THESE TERMS AND CONDITIONS FOR SIMPANAN PELAJAR ACCOUNT OF PT BANK CENTRAL ASIA Tbk (BCA) HAVE BEEN ADJUSTED TO ENSURE COMPLIANCE WITH THE PREVAILING LAWS AND REGULATIONS INCLUDING REGULATIONS OF THE FINANCIAL SERVICES AUTHORITY

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