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Tabungan handal dengan fasilitas optimal
Do any kind of transactions from withdrawing, depositing, transferring, paying various bills, to payments
Equipped with Paspor BCA, get the convenience in choosing various alternative for cashless payments
BCA ATM PIN, m-BCA PIN and Key BCA to support transaction security
Tahapan BCA
Tahapan BCA
Tahapan BCA merupakan kependekan dari Tabungan Hari Depan yang memiliki karakteristik berbentuk rekening tabungan dan dalam mata uang rupiah, serta dilengkapi dengan Paspor BCA (berfungsi sebagai kartu ATM, Debit, dan Tunai).
Keuntungan
Perlu Diketahui
Terms and Procedures:
*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:
Social Media:
Facebook : GoodLife BCA
Instagram : @goodlifebca
Youtube : Solusi BCA
Twitter : @BankBCA
Features, Benefits, and Risks of Tahapan
Key Features of Tahapan:
Benefits
Risks
Simulation:
Tahapan Balance |
Interest Rate per Annum According to Balance* |
Nominal Monthly Interest Rate** |
Rp 20.000.000 |
0,01% |
Rp 131,51 |
Note:
*Interest rates may change at any time according to market conditions, which will
be notified through BCA information facilities.
**Nominal Interest Rate = gross interest before tax
according to the prevailing regulations (Assuming 1 month = 30 days and 1 year = 365 days)
Additional Information
Disclaimer (important note)
Biaya, Limit dan Suku Bunga
Tahapan
Untuk mengakomodir kebutuhan nasabahnya, BCA memberlakukan biaya dan limit yang kompetitif dalam setiap produk dan layanannya. Temukan biaya dan limit Tahapan di bawah ini.
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 | 0.03 |
Effective : April 1st 2024
Intial Deposit
Fee and Charges
Type of Card | Administration Fee | Penalty* |
Master Card | ||
Paspor Blue | Rp15,000 | Rp5,000 |
Paspor Gold | Rp17,000 | |
Paspor Platinum | Rp20,000 | |
GPN | ||
Paspor Blue | Rp14,000 | Rp5,000 |
Paspor Gold | Rp16,000 | |
Paspor Platinum | Rp19,000 |
*) The Penalty will be imposed if the customer’s average balance does not reach the minimum monthly average balance.
Type of Transaction | BCA ATM | Prima & GPN | Mastercard/Cirrus |
Balance Inquiry | Free | Rp4,000 | Rp5,000 |
Cash Withdrawal | Free | Rp7,500 | Rp20,000 |
Transfer to Another Bank | Online: Rp6,500 BI-FAST: Rp2,500 |
- | |
Declined Transaction | Free | Rp3,500 | Rp5,000 |
Transfer via | Online | BI-FAST | LLG | RTGS |
BCA Branch Office* | - | Rp2,500 | Rp2,900 | Rp30,000 |
m-BCA** | Rp6,500 | Rp2,500 | - | - |
Internet Banking and myBCA | Rp6,500 | Rp2,500 | Rp2,900 | Rp25,000 |
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.
Type of Card | Card Issuance/Replacement Fee |
Paspor Blue | Rp10,000 |
Paspor Gold | Rp15,000 |
Paspor Platinum | Rp20,000 |
Limit
Setting the daily transaction limit can be done through the application:
Below are the daily limits for Tahapan transactions:
Type of Transaction | Paspor Blue | Paspor Gold | Paspor Platinum |
via BCA ATM | |||
Cash Withdrawal 1) |
Rp15,000,000 |
Rp15,000,000 |
Rp15,000,000 |
Cash Deposit 2) |
Rp50,000,000 |
Rp80,000,000 |
Rp100,000,000 |
Transfer between BCA Accounts 3) |
Rp100,000,000 |
Rp125,000,000 |
Rp150,000,000 |
Transfer between BCA Accounts (to a foreign currency account) 4) 8) |
Rp100,000,000 |
Rp125,000,000 |
Rp150,000,000 |
Transfer to Another Bank 5) |
Rp30,000,000 |
Rp40,000,000 |
Rp50,000,000 |
via EDC | |||
Debit BCA 6) |
Rp100,000,000 |
Rp125,000,000 |
Rp150,000,000 |
Debit Contactless without PIN 7) |
Rp1.000.000 |
||
via m-BCA | |||
Transfer between BCA Accounts3) |
Rp100,000,000 |
Rp125,000,000 |
Rp150,000,000 |
Transfer between BCA Accounts (to a foreign currency account) 4) 8) |
Rp100,000,000 |
Rp125,000,000 |
Rp150,000,000 |
Transfer to Another Bank5) |
Rp30,000,000 |
Rp40,000,000 |
Rp50,000,000 |
Type of Transaction | via myBCA | via Internet Banking |
Transfer to Own BCA Account 9) | No Limit | Rp500,000,000 11) |
Transfer between BCA Accounts 10) | Rp300,000,000 10) | |
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 |
Last Update: 19 January 2024
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 a PIN are still calculated in the BCA Debit transaction limit according to the type of BCA Debit/ATM Card. Contactless Debit limit 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 at https://www.bca.co.id/en/informasi/news-and-features/2022/07/15/02/49/informasi-ketentuan-threshold-transaksi-valas.
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 at https://www.bca.co.id/en/Individu/layanan/e-banking/myBCA.
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 at https://www.bca.co.id/en/Individu/layanan/e-banking/KlikBCA.
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.
Payment and Purchase
Autodebet
Payment |
Fee |
Telephone/Telkom | IDR2,500 |
Electricity/PLN | IDR3,000 |
Tax/UN | n/a |
PGN | IDR2,500 |
Administration Fees Using the Paspor BCA Card
Card Type |
Monthly Administration Fee |
Card Manufacturing/Replacement Fee |
Blue |
IDR15,000 |
IDR10,000 |
Gold |
IDR17,000 |
IDR15,000 |
Platinum |
IDR20,000 |
IDR20,000 |
e-mail Service Fee
Account Types | Service Fee Types | |
SMS | ||
Giro Rupiah |
IDR 750 |
IDR 0 |
Foreign Currency Giro in USD |
0.05 USD |
0 USD |
Foreign Currency Giro in SGD |
0.05 SGD |
0 SGD |
Tahapan |
IDR 750 |
IDR 500 |
Tahapan Gold |
||
Tapres |
||
BCA Dollar USD |
0.05 USD |
|
BCA Dollar SGD |
0.05 SGD |
Syarat dan Ketentuan
TERMS AND CONDITIONS FOR TAHAPAN
PT BANK CENTRAL ASIA Tbk (“BCA”)
B. DEPOSITS AND WITHDRAWALS
C. CALCULATION AND PAYMENT OF INTEREST
D. COMPLAINTS HANDLING
E. DISPUTE RESOLUTION
F. LANGUAGE
These Terms and Conditions for TAHAPAN of PT BANK CENTRAL ASIA Tbk ("BCA") are made and signed in 2 (two) versions of languages, namely Indonesian and English. In the event that there is a discrepancy in interpretation between the versions of Indonesian and English, then the version of Indonesian language shall prevail.
The Depositor hereby confirms that the Depositor fully understood and agrees to the Terms and Conditions for TAHAPAN of PT Bank Central Asia Tbk ("BCA") as described above and that BCA has provided sufficient explanations and asked for confirmation of the Depositor's understanding of the benefits, fees, and risks, as well as rights and obligations associated with the TAHAPAN BCA account.
These Terms and Conditions for TAHAPAN 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.
Anda akan meninggalkan BCA.co.id
Dengan mengklik ‘Lanjutkan’, Anda akan diarahkan menuju website di luar www.bca.co.id yang tidak terafiliasi dengam BCA dan mungkin memiliki tingkat sekuriti yang berbeda. BCA tidak bertanggung jawab dan tidak mendukung, menjamin, mengendalikan konten, mengendalikan ketersediaan dan perspektif atas produk-produk atau layanan-layanan yang ditawarkan atau dinyatakan oleh website tersebut.