BCA - Tahapan

Tahapan BCA

Tabungan Hari Depan (Tahapan) BCA is a savings product in the form of a Rupiah-denominated savings account that comes with a Tahapan BCA passbook and a Paspor BCA card, which functions as an ATM card and a card for Debit BCA and Tunai BCA transactions.

Main Features

The minimum initial deposit is IDR500,000
The minimum balance is IDR50,000
The deposit interest rate refers to the information published on the Deposit Insurance Corporation (Lembaga Penjamin Simpanan or LPS) website.
Customers can receive e-Statement information (account transactions) through the application and website.

Benefits

Customers can conduct banking transactions through BCA branches and channels.
Customers can obtain information and offers related to the bank’s products and services.
Customers will receive a Paspor card and/or a Tahapan passbook (if needed).

The Paspor GPN (Gerbang Pembayaran Nasional) Card can be used for making debit transactions at millions of stores in Indonesia displaying the Debit BCA or GPN logo and cash transactions at thousands of BCA ATMs and through the Prima ATM network.
Paspor BCA Mastercard Card for:

Making online payments on various websites, applications, or online services.
Making debit transactions at millions of stores displaying the Debit BCA logo (for domestic transactions) and millions of stores overseas connected to the Mastercard network.
Making cash transactions at thousands of BCA ATMs, the PRIMA ATM network, and Mastercard/Cirrus ATM networks worldwide.

Risks

LPS does not guarantee savings accounts with balances above Rp2 billion or interest rates exceeding those set by LPS.
Misuse of cards, PINs, passwords, OTPs, and user IDs/BCA IDs due to lack of customer caution.

Requirement and Procedure

The account opening is reserved for individual customers (Indonesian or foreign citizens) who already hold an identity card, and non-individual customers (foundations).
The customer fills out the account opening application form and agrees to the terms stated therein.
The customer provides the required documents.

Type of Customer

Identity Card (electronic Resident ID Card (e-KTP) for Indonesian citizens/Passport for foreign citizens)
Tax ID Number (NPWP)*, for Indonesian citizens
Stay Permit (Limited Stay Permit (KITAS) /Permanent Stay Permit (KITAP)), for foreign citizens domiciled in Indonesia
Other documents (only for foreign citizens not domiciled in Indonesia) as may be required under the APU, PPT, and PPPSPM Guidelines

The parents’ Identity Cards (electronic Resident ID Card (e-KTP) for Indonesian citizens/Passport for foreign citizens)
The parents’ Tax ID Number (NPWP) (optional)*
The child’s Birth Certificate/Family Card/Child Identity Card, for Indonesian citizens
Passport, for foreign citizens
Stay Permit (Limited Stay Permit (KITAS) /Permanent Stay Permit (KITAP)), for foreign citizens domiciled in Indonesia
Other documents (only for foreign citizens not domiciled in Indonesia) as may be required under the APU, PPT, and PPPSPM Guidelines

The guardian’s Identity Card (electronic Resident ID Card (e-KTP) for Indonesian citizens/Passport for foreign citizens)
The guardian’s Tax ID Number (NPWP) (optional)*
Decree of Guardian Appointment issued by the District Court
Official Record of Oath Administration of the Guardian from the Probate Registry Office (Balai Harta Peninggalan) (optional)

The child’s Birth Certificate/Family Card/Child Identity Card, for Indonesian citizens
Passport, for foreign citizens
The parents’ Identity Cards (electronic Resident ID Card (e-KTP) for Indonesian citizens/Passport for foreign citizens)
The parents’ Tax ID Number (NPWP) (optional)*
Stay Permit (Limited Stay Permit (KITAS) /Permanent Stay Permit (KITAP)), for foreign citizens domiciled in Indonesia
Other documents (only for foreign citizens not domiciled in Indonesia) as may be required under the APU, PPT, and PPPSPM Guidelines
Account Opening Statement Letter for Customers Aged 12-17 Years

Identity Card and Tax ID Number (NPWP)* of all members of the Foundation’s Boards
Tax ID Number* for Non-Individual Entity
Deed of Establishment
Articles of Association
Deed of Amendment (if any)
Deed containing the composition of the current boards of the company
Letter of validation, approval, and/or receipt acknowledgment of notice issued by the Minister of Law and Human Rights
Business Identification Number (NIB)
Registration Certificate issued by the competent authority (only for a social foundation established in DKI Jakarta)
Other permits and licenses**

Remark:

*)If the Customer does not have/has not already had the Tax ID Number (NPWP), the Customer can substitute it with a Statement Letter explaining that the Customer does not have the Tax ID Number (NPWP).

**)Remarks:

A non-individual customer holding a Business Identification Number (NIB) issued before 2 February 2021 needs to provide an operational permit from the competent authority.
A non-individual customer holding a Business Identification Number (NIB) issued on or after 2 February 2021 with a medium to high risk level needs to provide other licensing documents, i.e., the Risk-Based Business Licensing Documents under Government Regulation No. 5 of 2021.

Account Facility

Customers who have a Tahapan BCA account can use the following facilities:

myBCA

Access myBCA for the convenience of various transactions in one application.

BCA mobile

Access this product or service directly and online anytime, anywhere.

Klik BCA Individu

Access the KlikBCA service directly.

haloBCA app

Download the haloBCA app for easier access to resolve banking issues through various platforms such as free call, chat, email, or X (Twitter).

Fees, Limits, and Interest Rates

Fees

The monthly administration fees and penalties:

Type of Card	Administration Fee	Penalty*
Mastercard
Paspor Blue	IDR15,000	IDR5,000
Paspor Gold	IDR17,000
Paspor Platinum	IDR20,000
GPN
Paspor Blue	IDR14,000	IDR5,000
Paspor Gold	IDR16,000
Paspor Platinum	IDR19,000

Remark:

*)The Penalty will be imposed if the customer’s average balance does not reach the minimum monthly average balance.

Fees for Interbank transactions on the ATM network:

Type of Transaction	BCA ATM	Prima & GPN	Mastercard/Cirrus
Balance Inquiry	Free	IDR4,000	IDR5,000
Cash Withdrawal	Free	IDR7,500	IDR20,000
Transfer to Another Bank	Online: IDR6,500 BI-FAST: IDR2,500		-
Declined Transaction	Free	IDR3,500*	IDR5,000

Remark:

*)Valid for all BCA channels

Fees for Interbank Transfers

Transfer via	*Online*	BI-FAST	LLG	RTGS
BCA Branch Office*	-	IDR2,500	IDR2,900	IDR30,000
m-BCA**	IDR6,500	IDR2,500	-	-
Internet Banking and myBCA	IDR6,500	IDR2,500	IDR2,900	IDR25,000

Note: For funds remittance cancellation, the customer will be charged a fee of Rp10,000.

Remarks:
*)Funds remittance to another bank via a BCA Branch can only be made using BI-FAST, LLG, and RTGS.
**)Funds remittance to another bank via m-BCA can only be made either online or using BI-FAST.

The fee for Card issuance/replacement:

Type of Card	Card Issuance/Replacement Fee
Paspor Blue	IDR20,000
Paspor Gold	IDR20,000
Paspor Platinum	IDR20,000

Autodebet Fees

Payment	Fee
Telepon/Telkom	IDR3,000
Listrik/PLN	IDR3,000
PGN	IDR3,000

Paspor BCA Card Administration Fee

Paspor BCA Mastercard Card

Card Type	Monthly Administration Fee	Card Manufacturing/Replacement Fee
Blue	IDR15,000	IDR20,000
Gold	IDR17,000	IDR20,000
Platinum	IDR20,000	IDR20,000

Paspor BCA GPN Card

Card Type	Monthly Administration Fee	Card Manufacturing/Replacement Fee
Blue	IDR14,000	IDR20,000
Gold	IDR16,000	IDR20,000
Platinum	IDR19,000	IDR20,000

Transaction Fees Abroad
Transactions using the Paspor BCA Mastercard can be made at overseas ATMs/EDC machines bearing the Mastercard or Cirrus logo.

Transaction Fees Abroad	Fees
Cash Withdrawal	IDR20,000
Balance Inquiry	IDR5,000
Declined Cash Withdrawal	IDR5,000
Declined Debit	IDR2,500

SMS & Email Service Fees

Account Types	Service Fee Types
Account Types	SMS	E-Mail
Current Account Rupiah	IDR750	IDR0
Current Account USD	USD0.05	USD0
Current Account SGD	SGD0.05	SGD0
Tahapan	IDR750	IDR500
Tahapan Gold
Tapres
BCA Dollar USD	USD0.05
BCA Dollar SGD	SGD0.05

Other Fees

Transactions	Fees
Cash withdrawals via BCA EDC at merchant outlets	IDR4,000
Account closure	IDR50,000
Replacement of damaged or lost passbooks	IDR5,000
Large cash withdrawals (≥ IDR100,000,000) without prior confirmation from a BCA branch	IDR100,000

Outward Remittance (OR) fees can be viewed here.

Limit

Setting the daily transaction limit can be done through the application:
- myBCA: on My Account menu, click Account Control then Set Limit
- BCA mobile: on the "Akun Saya" menu, click "Atur Limit"
Daily Transaction Limit (via ATM, EDC, and m-BCA)

Type of Transaction	Paspor Blue	Paspor Gold	Paspor Platinum
via BCA ATM
Cash Withdrawal ¹⁾	IDR15,000,000	IDR15,000,000	IDR15,000,000
Cash Deposit ²⁾	IDR50,000,000	IDR80,000,000	IDR100,000,000
Transfer between BCA Accounts³⁾	IDR100,000,000	IDR125,000,000	IDR150,000,000
Transfer between BCA Accounts (to a foreign currency account) ⁴⁾⁸⁾	IDR100,000,000	IDR125,000,000	IDR150,000,000
Transfer to Another Bank⁵⁾	IDR30,000,000	IDR40,000,000	IDR50,000,000

Effective as of 16 July 2025

via EDC
Debit BCA ⁶⁾	IDR100,000,000	IDR125,000,000	IDR150,000,000
Debit Contactless without PIN ^{7) 15)}	Domestic: IDR1,000,000 Overseas: IDR10,000,000 (default limit IDR5,000,000)
Debit without PIN (Overseas) ^{7) 15)}	IDR100,000,000 (default limit IDR50,000,000)	IDR125,000,000 (default limit IDR60,000,000)	IDR150,000,000 (default limit IDR70,000,000)

Effective as of July 16, 2025

via m-BCA
Transfer between BCA Accounts³⁾	IDR100,000,000	IDR125,000,000	IDR150,000,000
Transfer between BCA Accounts (to a foreign currency account) ⁴⁾⁸⁾	IDR100,000,000	IDR125,000,000	IDR150,000,000
Transfer to Another Bank⁵⁾	IDR30,000,000	IDR40,000,000	IDR50,000,000

Effective as of July 16, 2025

Daily Transaction Limit (via myBCA and Internet Banking)

Type of Transaction	via myBCA	via Internet Banking
Transfer to Own BCA Account ⁹⁾	No Limit	Rp500,000,000 ¹²⁾
Transfer between BCA Accounts ¹⁰⁾	Rp300,000,000 ¹¹⁾
Transfer between BCA Accounts (to a foreign currency account)
Transfer to Another Bank (LLG and RTGS)
Transfer to Another Bank (BI-FAST)
Transfer to Another Bank (Online)
Cash Withdrawal Without a Card (Cardless) ¹³⁾	Rp15,000,000	Not Available
Cash Deposit Without a Card (Cardless) ¹⁴⁾	Rp100,000,000	Not Available

Last Update: January 19, 2024

Remarks:

¹⁾ The limit for cash withdrawals using the Paspor BCA is a combined limit with the cardless cash withdrawal limit via m-BCA.

²⁾ The limit for cash deposits using the Paspor BCA is a combined limit with the cardless cash deposit limit via m-BCA.

³⁾ The limit for transfer between BCA Accounts via the BCA ATM is a combined limit with the limit for transfer between BCA Accounts via m-BCA.

⁴⁾ The limit for transfer between BCA Accounts (to a foreign currency account) via the BCA ATM is a combined limit with the limit for transfer between BCA Accounts (to a foreign currency account) via m-BCA.

⁵⁾ The limit for transfer to another bank via the BCA ATM is a combined limit with the limit for transfer to another bank (Online & BI-FAST) via m-BCA.

⁶⁾ The limit for payment with Debit BCA is a combined limit with the limit for cash withdrawal at a merchant and Flazz top-up via an EDC machine (separate from the limit for cash withdrawal via ATMs).

⁷⁾ Contactless Debit transactions without PIN and overseas Debit transactions without PIN are still calculated in the BCA Debit transaction limit according to the type of BCA Debit/ATM Card. Contactless Debit and overseas Debit transactions with PIN follows the BCA Debit transaction limit.

⁸⁾ This limit is separate from the limit for transfer in Rupiah.

Interest Rates

Balance (IDR)	Interest Rates (% p.a)
< 10.000.000	0,00
≥ 10.000.000 - < 50.000.000	0,01
≥ 50.000.000 - < 500.000.000	0,01
≥ 500.000.000 - < 1.000.000.000	0,01
≥ 1.000.000.000	0,01

Effective as of March 1, 2025

Simulation

Tahapan Balance	Interest Rate per Annum According to Balance	Monthly Interest Amount
IDR20,000,000	0.01%	IDR164.38
IDR100,000,000	0.01%	IDR821.92
IDR1,010,000,000	0.01%	IDR8,301.37

Last Update: March 1, 2025

Remarks:

¹⁾ This simulation is intended to provide the customer with an estimate calculation only and is not meant to give any recommendation.

²⁾Position of the monthly average balance of the savings account.

³⁾Interest rates may change at any time in line with market conditions and the change will be notified to the Customer via BCA’s information media.

⁴⁾Interest Amount = gross interest amount before tax withholding according to the applicable laws and regulations (Assumption: 1 month = 30 days and 1 year = 365 days).

Important Information

Additional Information

Tahapan BCA accounts can be opened for individuals and foundations (Yayasan). Accounts can be opened as joint accounts with either “Or” or “And” types.
An instruction given to the bank or a cash withdrawal made from a joint account with the status of “Or” can be made by only one of the joint account holders. However, for a joint account with the status of "And", such instruction or cash withdrawal must be made collectively by all of the joint account holders.
Tahapan BCA accounts owned by foundations and joint accounts of the “Dan” type will be provided with Paspor Khusus Counter Card, which can only be used to conduct transactions at the counter.
Cash withdrawals or fund transfers by customer representatives can be done at BCA branch offices and must be accompanied by a stamped power of attorney from the customer, as well as the customer's identity card and the original identity card of the representative.
The savings interest will be credited to the Customer’s account at the end of the relevant month.
Customers may request that BCA not pay interest on their deposits in their Tahapan BCA accounts. In this case, customers will still receive interest on their average monthly balance for the current month in their Tahapan BCA accounts, calculated proportionally from the beginning of the month until 1 (one) calendar day before the date of completion of the customer's request to BCA not to pay interest.
If a customer submits a request to BCA to reinstate interest on their savings in a Tahapan BCA account, the account will receive interest on the average monthly balance calculated from the beginning of the current month.
Customer requests to BCA to pay or not pay interest on customer deposits in Tahapan BCA accounts can be submitted through BCA branch offices by filling out and signing the form provided by BCA. Customers are fully responsible for all consequences arising from BCA's decision to pay or not pay interest at the customer's request.
Savings interest rates may change depending on market conditions. In the event of a decrease in interest rates, this will result in a reduction in the nominal interest received by customers.
Customers may request closure of their savings accounts at a branch by bringing their original valid ID card, Paspor BCA card, and other supporting documents (if any), in accordance with applicable BCA regulations, and a closing fee will be charged.
If the remaining balance in a customer's savings account is zero and there have been no transactions for 12 consecutive months, the account will be closed automatically.
If a customer passes away, BCA has the right to request inheritance documents as required by the Bank to process the disbursement of the balance in the customer's Tahapan BCA account to the heirs listed in the inheritance documents. By disbursing the balance of the Tahapan BCA account belonging to a deceased depositor to the heirs or their representatives who are entitled to it in accordance with the inheritance documents, BCA is released from all responsibilities related to the customer's Tahapan BCA account.
Transactions that have not been printed in the Tahapan BCA passbook (unprinted transactions) within a certain amount or period can be combined into one debit transaction and/or one credit transaction (depending on the type of transaction) and carried out automatically by the system.
If the customer applies for m-BCA, KlikBCA, and/or other facilities related to opening a Tahapan BCA account, the customer hereby agrees to comply with the terms and conditions of m-BCA, KlikBCA, and/or other facilities related to opening a Tahapan BCA account, as used by the customer.
BCA reserves the right to include Tahapan BCA accounts in any lottery programs held by BCA (if any) in accordance with the terms and conditions and mechanisms of the lottery program determined by BCA, which will be communicated to customers in any form and through any means in accordance with applicable laws.
BCA reserves the right to exclude a customer's Tahapan BCA account from any reward program held by BCA if the customer does not meet the criteria set by BCA for participation in the reward program.
Data related to Tahapan BCA accounts will be stored by BCA in accordance with applicable regulations.
Customers are not permitted to store or deposit their Tahapan BCA passbooks at BCA.
BCA will inform customers of any changes to the benefits, fees, risks, terms and conditions of this Product and/or Service through any means in accordance with applicable laws.

Summary of Product and Service General Information (RIPLAY)

Terms and Conditions

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Tahapan

Why Tahapan BCA?

For Various Transactions

Convenient

Safe Transaction

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