Simple Investment Option According to Your Schedule

Why e-Deposito?


Transactions can be made anytime, anywhere, without going to the branch office


Need not to worry about losing certificate of deposit anymore because e-Deposit is bilyet-free.


Interest is automatically transferred to fund source and receive a notification email upon opening or redemption (make sure your e-Banking email is updated)



e-Deposito is a Deposit product that can be opened through myBCA application

Important Information

  • Interest rate fluctuation may occur following market developments

There are 2 types of e-Deposito:

  • Automatic Roll Over (ARO)
  • Principal and interest are automatically transferred to registered account at maturity.

  • Automatic Roll Over Plus (ARO Plus)
  • Automatic deposit extension for the same period without prior notice or confirmation from the depositor, with an interest rate will be summed up each time the account is rolled over.

Terms and Conditions

  • Own a BCA Rupiah Savings or Giro Rupiah account as a fund source for e-Deposit debit purposes
  • Have myBCA app and BCA ID
  • Meet the minimum initial deposit for e-Deposit

Features, Benefits, and Risks of e-Deposit


  • Placement starts from Rp8,000,000
  • Flexible term options of 1, 3, 6, or 12 months
  • Competitive interest rates. For details on interest rates, please go to “Fees, Limits, and Interest Rates”
  • The guaranteed interest rates adhere to the prevailing interest rates on Deposit Insurance Corporations (LPS) webpage
  • Interest will be credited every month to e-Deposit fund source



  • Serve as an easy and flexible futures investment.
  • Freedom to choose a preferential extension, such as:
    • Automatic deposit extension with interest credited to fund source.
    • Automatic deposit extension with interest summed up each time the account is rolled over



  • LPS does not guarantee your e-Deposito if balance is more than Rp2 billion or exceeds the LPS-guarantee interest rate
  • If you redeem your deposit before maturity, the current interest is not payable
  • If your e-Deposit is not redeemed at maturity, your funds will be deposited for the same period as the applicable interest rate.





Interest based on Tenor*


20% Tax

Total Accumulation***


1 month





* interest rates may change according to the prevailing regulations
** Interest = gross interest before tax according to the prevailing regulations (Assumption 1 month = 30 days)
** Total accumulation = total amount of e-Deposit plus interest after tax


Additional Information

  1. Redemption of e-Deposit can be done through the app by clicking immediate redemption or redemption at maturity button. 
  2. Redemption of e-Deposit cannot be done on the same date as the placement date.
  3. 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.
  4. The interest rates of e-Deposit applied are according to the prevailing regulations at BCA and may change at any time following the market conditions and such changes will be notified through BCA information facilities.
  5. For every offer and subscription of other products, BCA will first ask the customer for approval to provide customer data to third parties.


Disclaimer (important notes):

  • Bank may reject the application for Deposit products if they do not fulfill the applicable terms and conditions.
  • Please read this Summary of Product and Service Information carefully before agreeing to open a Deposit. You have the right to ask the Bank employees or call Halo BCA at 1-500-888 for any inquiries or complaints related to this Product Summary.

Fees, Limits, and Interest Rates

Interest Rate

Rupiah Deposit

Currency Interest Rate (% p.a.) / Period (month)
1 3 6 12
IDR < 2Bn 2,85 2,85 2,85 2,85
IDR ≥ 2Bn - < 5Bn 2,85 2,85 2,85 2,85
IDR ≥ 5Bn - < 10Bn 2,85 2,85 2,85 2,85
IDR ≥ 10Bn - < 25Bn 2,85 2,85 2,85 2,85
IDR ≥ 25Bn - < 100Bn 2,85 2,85 2,85 2,85
IDR ≥ 100Bn 2,85 2,85 2,85 2,85

Effective from 3 May 202

Note: amount in Rupiah (IDR)

Minimum Deposit



  • Income tax fee: 20% of the interest 
  • The current interest is not payable for redemption before maturity
  • Monthly interest transfer fee: Free 
  • No stamp duty fee for e-Deposit opening or redemption

Get the Service

Enjoy the ease of opening e-Deposit and various other BCA products on myBCA.
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