Tahapan Berjangka

Main Features of Tahapan Berjangka:

• Available in 1 currency, i.e., Rupiah.
• The minimum initial deposit is IDR500,000 or any greater amount in a multiple of IDR50,000.
• No requirement to maintain a minimum balance.
• The monthly deposits are made through an auto debit facility with the source of funds from Tahapan, Tahapan Gold, Tahapan Xpresi, or Tapres BCA.
• Competitive Interest Rates. For details on interest rates, see the “Fees, Limits & Interest Rates”.
• The saving period is a minimum of 12 months and a maximum of 240 months.
• No funds withdrawal is allowed during the saving period.
• The customer of Tahapan Berjangka may request an Automatic Renewal, subject to the following terms and conditions:
  • The automatic renewal of the Tahapan Berjangka account must be made no later than 2 (two) business days prior to the maturity date of the current Tahapan Berjangka account
  • The customer has not reached the age of 65 years on the subsequent maturity date after the automatic renewal of the Tahapan Berjangka account
  • No failure in the debiting of the monthly routine deposit occurs on the day of the automatic renewal of the Tahapan Berjangka account
  • The saving period and the monthly routine deposit amount for the renewed Tahapan Berjangka account will follow the previous saving period and monthly routine deposit amount determined by the customer when opening the Tahapan Berjangka account
  • The automatic renewal of the Tahapan Berjangka account can be canceled no later than 2 (two) business days prior to the maturity date of the current Tahapan Berjangka account
• The deposit interest rate that is eligible for the deposit insurance scheme follows the applicable interest rate set by the Indonesia Deposit Insurance CoIDRoration (Lembaga Penjamin Simpanan or LPS), which can be viewed on the website of the LPS.
• Income tax withholding: 20% of the interest amount.
• The customer will receive information on the customer’s account transaction history in the form of a soft copy account statement (e-statement) by downloading it directly from the channels owned by the customer.

Benefits:

• Convenient and flexible periodic savings/investments for the customer.
• Get free term life insurance protection from BCA Life, i.e., the Tahapan Berjangka life insurance product, which is provided for the customer during the saving period of Tahapan Berjangka.
• No need to manually make the monthly deposit because the funds for the monthly deposit will be automatically debited from the source account.
• If the account has reached the maturity date, the funds will be transferred to the source account and the customer will receive a notification via SMS/email.

Risks:

• The customer’s deposits will not be covered by the deposit insurance scheme managed by the Indonesia Deposit Insurance CoIDRoration (LPS) if:
• The total balance of the customer’s deposits (including interest) in one bank exceeds (an equivalent of) IDR2,000,000,000 (Two Billion Rupiah) for both single accounts and joint accounts.
• The interest rate obtained by the customer exceeds the deposit insurance interest rate set by the LPS.
• Savings interest rates may fluctuate in line with market developments.
• Claims for the life insurance may be rejected if the savings account has been closed and/or the customer (the Insured) passes away as a result of the following:
  1. Suicide
  2. An unlawful act or criminal act committed by the customer (the Insured) or the Beneficiary resulting in the death of the Insured.
  3. The Insured's involvement in dangerous activities or sports, such as self-defense sports including but not limited to boxing and wrestling, diving, swimming or sailing on the high seas, mountain climbing, rock climbing (both artificial and actual), rafting, base or bungee jumping, winter sports and/or those involving ice or snow, including but not limited to ice skiing, sledding, and ice hockey, speed contests, whether using motorized vehicles or not, such as cycling, horse riding, boating (whether with sails or not), skydiving, gliding or other aerospace sports/games or activities in the air except as a pilot, flight attendant or passenger of a scheduled and licensed aiIDRlane managed by a commercial airline.
  4. Any diseases caused either directly or indirectly by AIDS, ARC (AIDS Related Complex), or infections caused by HIV (Human Immunodeficiency Virus).

Simulation ¹⁾:

Last Update: March 1, 2025

Notes:

¹⁾ This simulation is intended to provide the customer with an estimate calculation only and is not meant to give any recommendation. 

²⁾ Interest rates may change at any time in line with market conditions and the change will be notified to the customer via BCA’s information media.

³⁾ Total final balance = estimated total balance of Tahapan Berjangka after interest payment and tax withholding.

Simulation of the Tahapan Berjangka Life Insurance:

If a death risk occurs to the customer, a death benefit due to an accident or illness will be paid in the amount of the Sum Insured (SI), which is equal to the total amount of the routine deposits that have not been paid into the Tahapan Berjangka account, subject to the following provisions:

• The Sum Insured (SI) is calculated based on the following formula:

Sum Insured = (n-t) × Monthly Deposit Amount

Notes:

n = Total Period of Tahapan Berjangka (in months)

t = Period of Tahapan Berjangka elapsed (in months)

• In the event the customer has 1 (one) or more Tahapan Berjangka accounts:
  • The maximum Sum Insured to be paid in the event of the occurrence of a death risk due to an illness is IDR750 Million/customer (Seven Hundred Fifty Million Rupiah per customer) and
  • The maximum Sum Insured to be paid in the event of the occurrence of a death risk due to an accident is IDR1.5 billion/customer (One Billion Five Hundred Million Rupiah per customer).
• An additional death benefit of IDR5 million (five million rupiah) per account will be paid in addition to the Sum Insured.