BCA - e-Deposito

e-Deposito

e-Deposito BCA is a Time Deposit product that customers can open through the BCA channel.

Key Features

Available in 3 currencies: Rupiah (IDR), United States Dollar (USD), and Singapore Dollar (SGD). Placement and disbursement of e-Depositos can only be done with the source of funds and disbursement account in the same currency.
Placement and disbursement of e-Depositos can be done on myBCA, KlikBCA Bisnis (KBB), and myBCA Bisnis (MBB).
Specifically for Foreign Currency e-Depositos, placement and disbursement can only be done on myBCA.
Specifically for Rupiah e-Depositos, e-Deposito disbursement can be made through channels that are different from the e-Deposito placement channel. For example, customers can place e-Depositos through myBCA and disburse them through KBB or MBB.
Flexible term options of 1, 3, 6, or 12 months.
Customers will receive an email notification every time they make an e-Deposito transaction. The notification email is sent to the email address registered in the e-Deposito source account, or the email address registered in the channel used by the customer when placing the e-Deposito.
Competitive interest rates.
The guaranteed interest rate is based on the applicable interest rate information available on the Deposit Insurance Corporation (LPS) website.

Benefits

An easy and flexible long-term investment choice for customers.
Freedom to select your preferred rollover type, such as:
- Automatic rollover with monthly interest credited to the source account (ARO)
- Automatic rollover with interest added to the principal during each rollover (ARO Plus).
Customers may receive information and offers related to BCA products and services.

Risks

LPS does not guarantee savings accounts with balances exceeding IDR 2 billion and interest rates exceeding the interest rate set by LPS.
Interest will not be paid if the customer disburses funds before maturity.
The interest rate provided by e-Depositos is in accordance with the applicable provisions at BCA and is subject to change at any time according to market conditions and will be informed through BCA's information facilities.
In Foreign Currency e-Depositos, there will be fluctuations in the exchange rate according to market conditions.

Requirements and Procedures

Types of customers who can make placements:
- Rupiah e-Deposito: Individual customers of Indonesian citizens and foreigners, as well as entities (organizations) other than banks
- Foreign Currency e-Deposito: Indonesian and foreign individual customers.
Have a BCA Account as a source of funds with the following criteria:
- Types of accounts that can be used for placement:
  - Rupiah e-Deposito: Stages, Gold Stages, Tapres, Tahapan Xpres, and Rupiah Giro.
  - Foreign Currency e-Deposito: BCA Dollar.
- It is not a joint account.
- Especially for e-Depositos through KBB and MBB, the source account is not a Current account, an inquiry account, and authorized account.
- It does not have a Local Credit or KPR Xtra BCA facility.

Fees, Limits, and Interest Rates

Interest Rate

Rupiah e-Deposito

Currency	Interest Rate (%pa) / Term (months)
Currency	1	3	6	12
< IDR 10 Mio	2.75	2.75	3.00	3.00
≥ IDR 10 Mio - < IDR 100 Mio	2.75	2.75	3.00	3.00
≥ IDR 100 Mio - < IDR 500 Mio	2.75	2.75	3.00	3.00
≥ IDR 500 Mio - < IDR 2 Bn	2.75	2.75	3.00	3.00
≥ IDR 2 Bn - < IDR 5 Bn	3.00	3.00	3.00	3.00
≥ IDR 5 Bn - < IDR 10 Bn	3.00	3.00	3.00	3.00
≥ IDR 10 Bn - < IDR 25 Bn	3.00	3.00	3.00	3.00
≥ IDR 25 Bn - < IDR 100 Bn	3.00	3.00	3.00	3.00
≥ IDR 100 Bn	3.00	3.00	3.00	3.00

Effective: April 1, 2026

Minimum Placement

IDR1,000,000

Fee

Interest on e-Deposito is subject to income tax withholding in accordance with applicable tax provisions.
As a penalty for immediate liquidation, any accrued interest will not be paid.
Monthly interest transfer fee: Free of charge.

Important Information

Additional Information

An e-Deposito cannot be opened with a joint account status of "AND" or "OR".
The e-Deposito interest will be credited based on the following types of e-Deposito renewals:
- ARO: Interest is credited to the source account of the e-deposito every month according to the maturity date.
- ARO Plus: Interest is credited to the e-deposito account at maturity and will be added to the principal amount for the next placement (renewal).
There are 2 disbursement methods for e-Deposito, including:
- Immediate disbursement, i.e. disbursement not on the maturity date; or
- Disbursement on the maturity date.
The procedure for disbursing e-Deposito can be carried out through available channels by selecting either the immediate disbursement option (before maturity) or disbursement at maturity.
A disbursement request on the maturity date cannot be canceled but can be converted to an immediate disbursement.
If the customer does not disburse the e-Deposito at maturity, the customer's funds will be automatically extended with the same term and the applicable interest rate.
E-Deposito disbursement at BCA Branches can only be done if the customer who owns the e-Deposito has passed away and/or is not legally competent. BCA will request the documents required by BCA for BCA to disburse e-Deposito.
The disbursement of an e-Deposito cannot be made on the same date as the date of placement of the e-Deposito.
The customer is required to disburse the e-Deposito if they want to close the e-Deposito source account or all accounts at BCA.
Data related to e-Depositos at BCA will be stored by BCA in accordance with applicable regulations.
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)

e-Deposito Product/Service Summary

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Terms and Conditions

Terms and Conditions for e-Deposito

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e-Deposito

Why e-Deposito?

Convenient

Practical

Secure