Why Debit Contactless?

Fast

Simply bring Debit Card with Contactless feature closer to the EDC machine for transactions

Practical

No need to pass your Debit card to settle a transaction

Convenient

Flexibility to manage your Debit card, including on/off and card limit

Debit Contactless

About Important Information Debit Contactless Activation and Limit Settings Get the Service Debit Contactless FAQs

Debit Contactless

Debit Contactless is a debit card that supports payments with contactless technology, allowing customers to carry out transactions simply by holding the Debit card close to the EDC machine.

Contactless Debit can be used Domestically and Internationally for transactions on all compatible EDC/payment machines and for public transportation payment that has RFID (Radio Frequency Identification) technology.

Terms of Debit Contactless

  1. When a customer receives a Debit Card with Contactless feature, the contactless feature is not active. Customers must activate the Contactless Feature on BCA mobile and myBCA.
  2. The daily limit for Debit Contactless without a PIN is Rp1 million/card/day.
  3. There is no additional charge for using the Contactless Feature on debit card.
  4. The Debit Contactless feature can be used on BCA EDC machines and abroad on any "Tap Reader" machine that supports the Contactless Feature.
  5. Terms of Debit Contactless transactions
    • Without a PIN: maximum transaction up to IDR 1 million
    • With a PIN: transactions above  IDR 1 million(*)

    (*) this provision applies to transactions in Indonesia. For foreign transactions, refer to the regulations in each country.

How to Make a Debit Contactless Transaction

  1. Make sure the shop/merchant where you transact supports contactless payments
  2. Get your Debit Card with Contactless feature ready and make sure the transaction amount is correct
  3. Bring the card closer to the Contactless EDC machine
  4. Transaction completed
Contactless Debit Daily Transaction Limit IDR 1,000,000
Transaction Amount Method Remarks

1

IDR 500,000

Contactless without a PIN

Still within the daily limit. Transaction is successful.

2

IDR 500,000

Contactless without a PIN

Still within the daily limit. Transaction is successful.

3

IDR 500,000

Contactless without a PIN

Transaction cannot be processed without a PIN because it exceeds the daily limit. Transactions can still be made by dipping using a PIN

4

>  IDR 1,000,000

Contactless with a PIN

Transaction is successful because it doesn’t take into account the daily limit of contactless transaction without a PIN

Disclaimer:

  • Transactions above IDR 1 million can be made by contactless with a PIN and apply to transactions in Indonesia.
  • Contactless transactions without a PIN abroad shall follow the regulations in each country.
  • Transactions without a PIN and/or signature can still be made abroad.

Security Tips for Transactions using Debit Contactless

  1. Keep your Debit Card with Contactless feature safe through the activation settings on BCA mobile and myBCA.
  2. Make sure to store the Debit Card with Contactless feature in a safe place.
  3. Make sure that your Debit Card with Contactless feature does not change hands.
  4. If you lose your Debit Card with Contactless feature, immediately block it through BCA mobile, myBCA or file a report to Halo BCA 1500888 to block the card.

Activation of the Contactless Debit Feature

  1. Have a BCA Debit Mastercard with a Contactless Feature
  2. Have a financially active BCA mobile account
  3. Go to the “Akun Saya” menu
  4. Select the “Kontrol” menu
  5. Switch on the Debit Contactless transaction
  6. Enter the m-BCA PIN
  7. A confirmation screen appears and selects “OK”
  8. The Debit Contactless feature is automatically activated and ready to use

Set Contactless Debit Without a PIN

  1. The Customer already has a BCA Debit Mastercard with a Contactless Feature
  2. The customer has a financially active BCA mobile account
  3. The customer goes to the “Akun Saya” menu
  4. Select the “Atur Limit” menu
  5. Select Debit Contactless Limit without a PIN 
  6. Enter m-BCA PIN to confirm
  7. The daily Debit Contactless Limit without a PIN has been successfully set
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Debit Contactless FAQs


What types of BCA Debit cards are equipped with contactless feature?

  • BCA Debit cards with Mastercard logo and have a contactless logo or come with logo.

How do I make a transaction using Contactless Debit?

  • Make sure the store/merchant has accepted contactless payments and that your BCA Debit card supports the contactless feature.
  • Activate the Contactless Debit feature through the “Akun Saya” menu on myBCA or BCA mobile.
  • Prepare the Contactless Debit and make sure the payment amount is correct.
  • Hold the card up to the contactless payment machine.
  • The transaction is complete and keep your Contactless Debit card in a safe place.

How do I activate the Contactless Debit feature?

Activate the Contactless Debit feature on myBCA:

  • Open and log in to myBCA app
  • Click the “Akun Saya” menu
  • Select “Kontrol Akun”
  • Select “Kartu Debit”
  • Select the Debit Card you want to set up
  • Select “Kontrol Transaksi”
  • Switch on the “Transaksi Debit Contactless” toggle
  • Confirm by entering your myBCA PIN

Activate the Contactless Debit feature on BCA mobile:

  • Open BCA mobile,
  • Enter your m-BCA access code
  • Click on “Akun Saya” menu
  • Select the “Kontrol” menu
  • Switch on the “Transaksi Debit Contactless” toggle
  • Confirm by entering your m-BCA PIN

For contactless Debit transactions on public transportation*) abroad, you can do it without activating the contactless feature.

*) Such as Mass Rapid Transit (MRT) in Singapore, Express Rail Linkin Malaysia, The Bangkok Mass Transit System, Public Transportation in Australia (Trains, Trams, Buses, Translink, Transperth), GVB Amsterdam (Metros, Buses, Trams, Ferries), Mass Transit Railway (MTR) in Hongkong, Public Transportation in the United Kingdom (Bus, Translink, Metrolink), Riyadh Bus in Saudi Arabia, Public Transportation in Turkey (Bodrum Express Lines, Burulas, Havaist), etc.

Where can customers make Contactless Debit transactions?

  • Domestic on BCA EDCs
  • Overseas on any EDC/payment machine that accepts contactless transactions from cards with the Mastercard logo.

What is the mechanism for Contactless Debit transactions abroad?

Contactless Debit transactions abroad can be done at merchants with compatible EDCs/payment machines and public transportation with RFID technology. The Contactless Debit transaction mechanism is generally identical to that in the country.

EDC Transaction:

  • Make sure the store /merchant where you are making transactions supports contactless payments
  • Prepare your Contactless Debit card and make sure the purchase amount is correct
  • Hold the card up to the contactless EDC machine
  • Transaction is complete

Transportation:

  • Hold the card close to the tap machine when entering and exiting transportation.

Each public transportation company applies different policies for accumulating travel expenses and providing information to customers. Therefore, customers are advised to use the application from each public transportation company/provider to see detailed cost information on each trip made.

What is the daily limit of Contactless Debit?

The daily limit of Contactless Debit without PIN is Rp1 million/card/day.

Can I set the daily limit for Contactless Debit transactions?

You can set your Contactless Debit transaction limit via myBCA or BCA mobile.

Set your Contactless Debit transaction limit on myBCA:

  • Open and log in to myBCA app
  • Click the “Akun Saya” menu
  • Select the “Kontrol Akun” menu
  • Select “Kartu Debit”
  • Select the Debit card you want to set
  • Select “Atur Limit”
  • Adjust the “Contactless Debit Limit without PIN” as needed
  • Confirm by entering your myBCA PIN

Set your contactless debit transaction limit on BCA mobile:

  • Open BCA mobile
  • Enter your m-BCA access code
  • Click the “Akun Saya” menu
  • Select the “Atur Limit” menu
  • Adjust the “Contactless Debit Limit without PIN” as needed
  • Confirm by entering your m-BCA PIN
  • Done.

What if I lost my Contactless Debit?

If your Contactless Debit card is lost, immediately block it via myBCA/BCA mobile or report it to Halo BCA 1500888 for blocking.

How to Bock Contactless Debit on myBCA

  • Open and log in to myBCA app
  • Click the “Akun Saya” menu
  • Select the “Kontrol Akun” menu
  • Select “Kartu Debit”
  • Select the Debit card you want to set
  • Select “Blokir ”,
  • Confirm by entering your myBCA PIN

How to Bock Contactless Debit on BCA mobile

  • Open BCA mobile
  • Enter your m-BCA access code
  • Click the “Akun Saya” menu
  • Select the “Blokir” menu
  • Confirm by entering your m-BCA PIN
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