Tahapan Xpresi

Tahapan Xpresi BCA is a savings account designed for young people, featuring unique card designs and convenient access without a passbook.

Key Features

Minimum Initial Deposit of IDR 50,000
Minimum balance held at IDR 10,000
No minimum average balance per month
The guaranteed interest rate is based on the applicable interest rate information available on the Deposit Insurance Corporation (LPS) website.
Customers can receive e-Statement information via the Application and website.

Benefits

Customers can make banking transactions through available branches and channels.
Customers may receive information and offers related to BCA products and services.
Customers will receive an Xpresi Paspor Card:
- GPN Xpresi Card for debit transactions at thousands of outlets throughout Indonesia with the BCA or GPN debit logo as well as cash transactions at thousands of BCA ATMs and the Prima ATM network.
- The Xpresi Mastercard Card for:
  - Online payments on various sites, apps, or online services.
  - Debit transactions at millions of outlets with the Debit BCA logo (for domestic transactions) and tens of millions of outlets overseas connected to the Mastercard network.
  - Cash transactions at thousands of BCA ATMs, Prima ATM networks, and Mastercard/Cirrus ATM networks worldwide.

Risks

LPS does not guarantee savings accounts with balances exceeding IDR 2 billion and interest rates exceeding the interest rate set by LPS.
Misuse of cards, PINs, passwords, OTPs, and User IDs/BCA IDs due to customers’ negligence.

Requirements and Procedures

The account opening is intended for individual customers, including Indonesian citizens and foreigners holding an identity card.
Fill out and approve the account opening application form.
Prepare the required documents.

Customer Type

Identity card (e-KTP card for Indonesian citizens/Passport for foreigners)
NPWP* for Indonesian citizens
Residence Permit Card (KITAS/KITAP), for foreigners residing in Indonesia
Other documents (specifically for foreigners who do not reside in Indonesia), in accordance with the APU, PPT, and applicable provisions

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
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

Note:
*) If the customer does not have or does not possess an NPWP, a Statement Letter indicating that the customer does not have an NPWP can be used as a substitute.

Account Facility

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

Fees, Limits & Interest Rates

Fees

Income Tax Fee: 20% of the nominal interest
Monthly Administration Fee: IDR10,000
Interbank Transaction Fees in Each 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

*Applies to all BCA channels

Interbank Transfer Fees

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:
*)Interbank remittances through BCA Branches are only available using BI-FAST, LLG, and RTGS.
**)Interbank remittances through m-BCA are only available Online and BI-FAST.

Overseas Transaction Fees

Transactions with the Paspor BCA Mastercard can be made at overseas ATMs/EDCs that have the Mastercard/Cirrus logo.

Overseas Transactions	Fees
Cash Withdrawal	IDR20,000
Check Balance	IDR5,000
Decline Tarik Tunai	IDR5,000
Decline Debit	IDR2,500

Other Fees

Transaction	Fee
Cash withdrawal via EDC BCA at merchant outlets	IDR 4,000
Withdrawal/transfer at the Counter less than the transaction limit at ATMs	IDR 4,000
Account closure	IDR 50,000
Card Issuance/Replacement Fee	IDR 25,000
Large nominal cash withdrawal (≥ IDR 100,000,000) without confirmation to BCA Branch	IDR 100,000

Outward Remittance (OR) fees are available here.

Limit

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

Type of Transaction	Paspor Xpresi
via BCA ATM
Cash Withdrawal ¹⁾	IDR10,000,000
Cash Deposit ²⁾	IDR30,000,000
Transfer between BCA Accounts³⁾	IDR50,000,000
Transferbetween BCA Accounts (to a foreign currency account) ⁴⁾⁷⁾	IDR50,000,000
Transfer to Another Bank⁵⁾	IDR20,000,000
via EDC
Debit BCA ⁶⁾	IDR50,000,000
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)}	IDR50,000,000 (default limit IDR25,000,000)
via m-BCA
Transfer between BCA Accounts³⁾	IDR50,000,000
Transfer between BCA Accounts (to a foreign currency account) ⁴⁾⁸⁾	IDR50,000,000
Transfer to Another Bank⁵⁾	IDR20,000,000

Effective: 16 July 2025

Daily Transaction Limit for Tahapan Xpresi (via myBCA and Internet Banking)

Type of Transaction	via myBCA	via Internet Banking
Transfer to Own BCA Account ⁹⁾	No Limit	IDR500,000,000 ¹²⁾
Transfer between BCA Accounts ¹⁰⁾	IDR300,000,000 (equivalent)¹¹⁾
Transfer between BCA Accounts (to a foreign currency account)	IDR300,000,000 (equivalent)¹¹⁾
Transfer to Another Bank (LLG and RTGS)	IDR150,000,000¹¹⁾
Transfer to Another Bank (BI-FAST)	IDR150,000,000¹¹⁾
Transfer to Another Bank (Online)	IDR50,000,000
Cash Withdrawal Without a Card (Cardless) ¹³⁾	IDR15,000,000	Not Available
Cash Deposit Without a Card (Cardless) ¹⁴⁾	IDR100,000,000	Not Available

Last Update: 9 July 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.

⁹⁾ Applicable to transfers to all Own BCA Accounts (Rupiah/foreign currency accounts). Transfer transactions from a Rupiah source account to a foreign currency account shall be subject to the Information on Foreign Exchange Transaction Threshold, which can be viewed here.

¹⁰⁾ Applicable to transfers between BCA accounts other than transfers to own account.

¹¹⁾ The combined limit for transfers between BCA accounts (other than transfers to own accounts) and transfers to another bank via myBCA is the maximum daily transaction limit per BCA ID. The complete information on myBCA transaction limits can be viewed here.

¹²⁾ The combined limit for transfer transactions via Internet Banking is the maximum daily transaction limit per user ID. The complete information on Internet Banking transaction limits can be viewed here.

¹³⁾ The daily limit for cash withdrawals without a card (cardless) via myBCA mobile per BCA ID.

¹⁴⁾ The daily limit for cash deposits without a card (cardless) via myBCA mobile per BCA ID.

¹⁵⁾ The default limit applies only to Customers who have never set transaction limit before. Customers can increase their limit up to the maximum amount through the Set Limit menu in myBCA, myBCA Web, and BCA mobile.

Interest Rates

Balance (Rp)	Interest Rates (%pa)
< 1.000.000	0,00
≥ 1.000.000	0,03

Simulation

Tahapan Xpresi Balance¹⁾	Interest Rate per Annum According to Balance²⁾	Monthly Interest Amount³⁾
IDR20,000,000	0,03%	IDR493.15
IDR600,000,000	0,03%	IDR14,794.52

Last modified: March 1, 2025

Note:

This simulation is only meant to give the customer an estimate and does not serve as a recommendation.

Remark:

¹⁾Position of the monthly average balance of the savings account.
²⁾Interest rates are subject to change at any time according to market conditions and will be informed via BCA's information channels.
³⁾ The nominal interest rate is gross interest before tax deduction according to applicable provisions (assumption: 1 month = 30 days and 1 year = 365 days)

Important Information

Additional Information

Tahapan Xpresi accounts can be opened for Individuals; joint accounts cannot be opened
Interest on savings will be credited to the account at the end of each month.
Interest rates on savings accounts can vary with market conditions. If rates drop, customers will notice a decrease in the interest they earn.
Customers can request to close their savings accounts at a branch by bringing their original valid ID card, Paspor BCA card, and any other supporting documents, if needed, according to applicable BCA regulations. A closing fee will be charged.
If the customer's savings account balance is zero and there are no transactions for 12 consecutive months, the account will be closed automatically.
BCA shall inform all changes to the benefits, fees, risks, terms and conditions of this Product and/or Service through any means in accordance with applicable legal provisions.

Summary of Product & Service Information (RIPLAY)

Terms and Conditions

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