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e-Deposito

Simple investment options for the busy life

Why e-Deposito?

Convenient

Transactions can be made anywhere without going to the branch office

Practical

e-Deposito don’t have a Deposit slip, therefore no need to worry about lose the slip

Secure

Interest is automatically transferred to the fund source account and there will be a notification email upon placing or liquidating (make sure your e-Banking email is updated)

e-Deposito

About Fees, Limits & Interest Rates Important Information Get the Product

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

Placement Limits

Currency

Minimum Placement

Maximum Placement on myBCA*

Indonesian Rupiah (IDR)

IDR 1,000,000

IDR 2,000,000,000

United States Dollar (USD)

USD500

USD110,000

Singapore Dollar (SGD)

SGD1,000

SGD150,000

Effective as of: June 11, 2026

*Note: The maximum placement of e-Depositos in myBCA is valid per BCA ID per day.

Fees

  • Interest on e-Depositos is subject to income tax in accordance with applicable tax provisions.
  • Penalties in the form of unpaid interest if the e-Deposito is disbursed before the maturity date.
  • Free monthly interest transfer fees.

Interest Rates

Rupiah e-Deposito

Placement Nominal

Interest Rate (% per year) / Term (months)

1

3

6

12
< IDR10 Million 2,75 2,75 2,75 2,50
≥ IDR10 Million - < IDR100 Million 2,75 2,75 2,75 2,50
≥ IDR100 Million - < IDR500 Million 2,75 2,75 2,75 2,50
≥ IDR500 Million - < IDR2 Billion 2,75 2,75 2,75 2,50
≥ IDR2 Billion - < IDR5 Billion 3,00 3,00 2,75 2,50
≥ IDR5 Billion - < IDR10 Billion 3,00 3,00 2,75 2,50
≥ IDR10 Billion - < IDR25 Billion 3,00 3,00 2,75 2,50
≥ IDR25 Billion - < IDR100 Billion 3,00 3,00 2,75 2,50
≥ IDR100 Billion 3,00 3,00 2,75 2,50

Effective as of: April 1, 2026

Foreign Currency e-Deposito (USD)

Placement Nominal

Interest Rate (% per year) / Term (months)

1

3

6

12
<USD150,000 2,00 2,00 1,50 1,50
≥USD150,000 - <USD1,000,000 2,25 2,25 2,00 2,00
≥USD1,000,000 - <USD10,000,000 2,25 2,25 2,25 2,25
≥USD10,000,000 2,25 2,25 2,25 2,25

Effective as of: June 11, 2026

Foreign Currency e-Deposito (SGD)

Currency

Interest Rate (% per year) / Term (months)

1

3

6

12

SGD

0,75

0,75

0,75

0,75

Effective as of: June 11, 2026

Simulation

Placement Nominal e-Deposito

Tenor

Interest Rate according to Tenor 1)

Interest 2)

20% Tax

Total Accumulation 3)
IDR10,000,000 1 Month 2,75% IDR22,603 IDR4,521 IDR10,018,082
USD100,000 1 Month 2,00% USD164 USD33 USD100,131

Last modified: June 11, 2026

Note:

This simulation is only an aid or sample calculation that is approximate and is not intended to provide any recommendations.

Description:

1) Interest rates are subject to change at any time according to market conditions and will be informed through BCA's information facilities.

2) Interest is gross interest before tax deduction according to applicable provisions (assumption: 1 month = 30 days and 1 year = 365 days).

3) Total Accumulation = total nominal e-Deposito after adding interest and deducting tax.

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
Get the Product/Service Summary Information via the link below
Download PDF

Terms and Conditions

Terms and Conditions for e-Deposito
Review the Terms and Conditions for this product/service via the link below
Download PDF

Privacy Notice

Privacy Notice
Learn more

Get the Product

myBCA
Enjoy the ease of opening e-Deposito and various other BCA products on myBCA
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KlikBCA Bisnis
Access this product or service directly through your computer or mobile device
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myBCA Bisnis
Experience the convenience of myBCA Bisnis with its diverse features designed to streamline your business needs and operations.
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e-Deposito Simulation

Placement Amount

Rp

Rp 5 millionRp 100 billion

Tenor

Bulan

1 month12 month

Interest Rate

%

Interest

Rp 18.082

Total of e-Deposito Accumulation

Rp 8.014.466

Note: this calculation is only an investment simulation aid and is not intended to provide any recommendations
Asumming: 1 month = 30 days, and 1 year = 365 days

Tabungan untuk wujudkan mimpi

Tahapan Berjangka

Tabungan rutin untuk wujudkan rencana

Tahaka SiMuda
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