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Tahapan Berjangka

Time to make your dream plans come true

Why BCA Berjangka Savings?

Convenient

Monthly autodebit deposit from Tahapan, Tahapan Gold, Tahapan Xpresi, or Tapres BCA as the source fund account

Time Period Selection

Select the deposit term from 1 to 20 years

Flexible Deposit

Monthly deposit starts from IDR 500,000 per month in multiples of IDR 50,000

Tahapan Berjangka

Tahapan BCA

Individual savings with regular deposits in a certain amount and time to realize every plan.

Benefits


Effective
Balance inquiry and e-statement facility through KlikBCA and KlikBCA Bisnis
Life Insurance
Life insurance for guaranteed convenience
Best Interest Rate
Interest rates above regular savings
Free Admin Fee
There is no administrative fee every month.
Free Deposit
Free to add funds at any time outside the monthly deposit.
Make Your Dreams Come True
Help form a habit of saving regularly to make dreams come true

Important Information

  • Interest rate fluctuations can occur following market developments
  • If funds are not available by the specified debit date, debiting process will be made at the end of the current month
  • If debiting fails for 3 consecutive months, the Tahapan Berjangka account will be closed automatically and the funds in it will be transferred to the source fund account
  • The customer cannot do the withdrawal or close the account before the saving period ends. If a fund withdrawal is made or an account is closed before the agreed date, the customer will be charged an account closing before maturity fee
  • Tahapan Berjangka Life Insurance is an insurance product of PT Asuransi Jiwa BCA and is not a product and responsibility of BCA and is not included in the coverage of the guarantee program as referred to in the laws and regulations regarding deposit insurance institutions
  • The use of the BCA logo and/or attributes in marketing documents is only intended to show a collaboration between BCA and PT Asuransi Jiwa BCA

Requirements


  • Indonesian citizens with a minimum age 12 years and maximum 60 years
  • Maximum saving period is up to the birthday of 65 years
  • Have Tahapan, Tahapan Gold, Tahapan Xpresi, or Tapres BCA account
  • Agree to the Terms and Conditions of Opening account and Life Insurance Products
  • Not allowed to open a joint account

Interest Rates


Interest Rate per Year (floating)

Monthly Deposit

Time Period (Year)

≥1 - <3

≥3 - <5

≥5 - <10

≥10

< IDR1,000,000 1.50% 2.00% 2.25% 2.50%
≥ IDR1,000,000 2.00% 2.25% 2.50% 2.50%

Effective: 1 May 2021

Fees and Limits Tahapan Berjangka


To accommodate its customer’s needs, BCA provides competitive limits and fees for each product and service. View the limits and fees for Tahapan Berjangka below.

Description

Fee

Deposit transaction at counter Free
Monthly Administration Free
Debit Failed Free

Insurance Premium

Free

Print Transaction History at Branch

According to applicable terms and conditions

Closing Account Before Maturity *)

1% of final Tahapan Berjangka balance
Terms:
- Minimum of IDR50,000, or
- Maximum equal to paid accumulated interest, whichever is the larger amount.

*) Account closure to death of account holder will result in automatic account closure, free of charge. Insurance benefits and funds associated with the Tahapan Berjangka account will be returned to primary source account.

 

Insurance benefits is the sum of insurance payment equal to the amount of Tahapan Berjangka monthly deposit that has yet to be deposited:

Savings Period

Died due to

Uang pertanggungan

 1 Year Illness -
Accident 1 x UP, Max IDR750 million/cust.
> 1 Tahun Illness 1 x UP, Max IDR750 million/cust.
Accident 1 x UP, Max IDR1.5 billion/cust.


 



TERMS AND CONDITIONS FOR TAHAPAN BERJANGKA

PT BANK CENTRAL ASIA Tbk. (“BCA”)

A. DEFINITIONS

  1. Tahapan Berjangka means a savings account for individual customers into which the customer must deposit a fixed amount on a monthly basis for a specified period on the scheduled auto debit date selected by the customer.
  2. Source Account means an account from which periodic auto debit payment is made each month into Tahapan Berjangka. The Source Account may take the forms of Tahapan, Tahapan Gold, Tahapan Xpresi, Tapres, and or any other account to be later determined by BCA. The owner of the Source Account must be the same as the owner of the Tahapan Berjangka account.
  3. Monthly Routine Deposit means a periodic deposit payment in a fixed amount that must be made by the customer each month for a certain period on the scheduled auto debit date selected by the customer.
  4. Maturity Date means the date on which the life period of the Tahapan Berjangka account terminates in accordance with the period determined by the customer when opening the Tahapan Berjangka account.

 

B. TERMS AND CONDITIONS FOR TAHAPAN BERJANGKA

  1. Tahapan Berjangka is intended for individual customers that own a Source Account.
  2. A Tahapan Berjangka depositor must be an individual of Indonesian nationality who owns an identity card in accordance with the applicable law, with a minimum age of 12 years and a maximum age of 60 years (hereinafter referred to as the "Depositor").
  3. The Tahapan Berjangka account can not be opened in the form of a joint account with the status of "AND" nor "OR".
  4. The life period of Tahapan Berjangka is a minimum of 12 (twelve) months, and a maximum of 240 (two hundred forty) months, or until the Depositor attains the age of 65 years (whichever is earlier).
  5. The amount of Monthly Routine Deposit and the life period of the Tahapan Berjangka account can not be changed during the life of the Tahapan Berjangka account.
  6. The opening of the Tahapan Berjangka account can be done at the counter, through KlikBCA Individu connected with the Source Account, or by any other means as may be determined by BCA.
  7. Any change to the Tahapan Berjangka account data other than the amount of Monthly Routine Deposit and the life period of the Tahapan Berjangka account can be made at the counter or by any other means as may be determined by BCA.
  8. Upon opening the Tahapan Berjangka account, the Depositor will obtain free life insurance coverage worth the total amount of Monthly Routine Deposit that has not been made for the remaining period if the Depositor passes away before the Maturity Date.
  9. For funds transfer made between BCA accounts or interbank funds transfer through an electronic banking facility provided by BCA or an ATM provided by another bank, the Depositor hereby authorizes BCA to:
    1. display the Depositor’s name and/or account number on the screen of BCA electronic banking facility.
    2. provide the Depositor’s name and/or account number to such other bank to be displayed on its ATM screen.

The display of the name and/or account number as described in items a and b above is intended as a means of seeking confirmation from the remitting customer to minimize the possibility of the remitting customer making a wrong transfer.

  1. The Depositor must not make any funds withdrawal prior to the Maturity Date. If the Depositor intends to withdraw his/her funds prior to the Maturity Date, the Depositor is required to close the Tahapan Berjangka account and the Depositor will incur an account closing fee in accordance with the provisions applicable at BCA.
  2. BCA reserves the right to block the Depositor’s account, refuse any transaction involving the Depositor’s account, and/or terminate the business relationship with the Depositor if:
    1. the Depositor fails to comply with the prevailing law;
    2. the Depositor fails to provide any information and supporting documents required under the prevailing law;
    3. the Depositor is known to have used and/or reasonably suspected of using false documents and/or providing incorrect data to BCA;
    4. the Depositor provides questionable information; and/or
    5. the Depositor’s source of transaction funds is known to emanate from and/or reasonably suspected of emanating from a crime.
  3. The Depositor can electronically access the Tahapan Berjangka account data (in the form of e-statement) through KlikBCA Individu linked to the Source Account.
  4. The Tahapan Berjangka account will be automatically closed:
    1. on the Maturity Date; or
    2. in the event that the auto debit for the Monthly Routine Deposit fails for 3 (three) consecutive months.

In connection with the closing of the Tahapan Berjangka account, the funds in the Tahapan Berjangka account will be credited to the Source Account.

  1. Closure of the Tahapan Berjangka account before the Maturity Date will attract a closing account fee.
  2. The Depositor must notify BCA in writing of any changes to the Depositor’s data.
  3. The Depositor hereby authorizes BCA to provide the Depositor‘s data to any party other than BCA that has entered into a cooperation with BCA, for promotional activities or other commercial purposes.
  1. In the event of the Depositor’s death, BCA may request any documentation of heirship as required by BCA to allow BCA to liquidate the amounts in the Tahapan Berjangka account and pay the same to the beneficiaries specified in the documentation of heirship. Upon the liquidation of the amounts in the Tahapan Berjangka account of the deceased Depositor and payment of the same to the lawful beneficiaries or proxies under the documentation of heirship, BCA is discharged from any liability in connection with the Depositor’s Tahapan Berjangka Account.
  2. To the extent that the Depositor still has certain obligations to BCA under a loan, L/C, bank guarantee or any guarantee provided by the Depositor (borgtocht), interest, facility fee (provisi), fee for Chequebooks/Bilyet Giro books, stamp duty, draft, letter of acceptance or other commercial papers signed by the Depositor as an acceptor, endorser, or drawer, guarantor or as a result of the use of credit cards or any fees or obligations arising from any circumstances whatsoever, BCA shall be entitled, and to the extent necessary is hereby authorized by the Depositor, to debit the Depositor’s account and apply the proceeds to repay any amounts at any time due to BCA. Any consequences arising from the debiting of the Tahapan BCA account under the power of attorney granted by the Depositor shall be the sole responsibility of the Depositor.
  3. BCA has the right to make correction to the balance of the Depositor’s account in the event of any posting error by BCA.
  4. The Depositor may close the Tahapan Berjangka account at a BCA branch office by presenting his/her original and valid identity card, proof of ownership of the Source Account and other supporting documents (if any) in accordance with the provisions applicable at BCA.
  5. The data on the Tahapan Berjangka Account will be held and stored by BCA in accordance with the prevailing law.
  6. The Tahapan Berjangka account is not included in the BCA lucky draw program.
  7. The Tahapan Berjangka account can not be used for auto debit facilities.
  8. Deposits can be made into the Tahapan Berjangka account at any time, but no withdrawal may be made prior to the Maturity Date. Any deposit into the Tahapan Berjangka account other than the Monthly Routine Deposit shall not affect the amount of Monthly Routine Deposit to be made and shall not change the tiered interest rate applicable for the Tahapan Berjangka account.
  9. BCA shall offer product services through means of personal communication. If the Depositor disagree, the Depositor may contact Halo BCA on 1500888.
  10. The Depositor’s funds at BCA are guaranteed by the Indonesia Deposit Insurance Corporation (Lembaga Penjamin Simpanan, LPS), subject to the maximum amount of deposit guaranteed by the LPS. The LPS does not guarantee any deposit with interest at the rate exceeding the interest rate stipulated by the LPS.
  11. By opening the Tahapan Berjangka account, the Depositor is bound by and agrees to these Terms and Conditions for Tahapan Berjangka. BCA may at any time amend any terms and conditions for the Tahapan Berjangka account, and such amendment shall be notified by BCA in any form and by any means in accordance with the prevailing law.

 

C. DEPOSIT AND WITHDRAWAL OF FUNDS

  1. The minimum amount of Monthly Routine Deposit for the Tahapan Berjangka is Rp 500,000 (five hundred thousand rupiah), and if more than that the Monthly Routine Deposit shall be made in multiples of Rp 50,000 (fifty thousand rupiah).
  2. The Monthly Routine Deposit shall be made by means of auto debit from the Source Account, subject to the following provisions:
    1. For the opening of the Tahapan Berjangka account through counter, the first Monthly Routine Deposit auto debit shall be made on the day when the Tahapan Berjangka account is opened.
    2. For the opening of the Tahapan Berjangka account through KlikBCA Individu, the first Monthly Routine Deposit auto debit shall be made when the Tahapan Berjangka account is opened.
    3. The subsequent auto debit for the Monthly Routine Deposit shall be made on a date selected by the Depositor.
    4. The auto debit date can be selected on any day of the month until the 30th of each month.
    5. If the auto debit date selected by the Depositor is the 29th or 30th, then for February, the auto debit shall be made on either the 28th or the 29th of the month.
    6. If the auto debit date of the second and subsequent Monthly Routine Deposit falls on a holiday, the auto debit for the Monthly Routine Deposit shall be made on the first business day following the holiday.
    7. In the event of any failure in making the auto debit, the auto debit process shall be made again at the end of the relevant month.
  3. Any deposit other than the Monthly Routine Deposit can be made at any time at the counter during BCA business hours or through the Cash Deposit Machine, or through other channels.

 

D. CALCULATION AND PAYMENT OF INTEREST

  1. The Tahapan Berjangka account pays interest with a tiered rate plan according to the amount of Monthly Routine Deposit, and the interest is subject to tax in accordance with the prevailing law. The tiered interest rates are not fixed. It may change according to market fluctuations and the change will be notified by BCA to the Depositor in any form and by any means in accordance with the prevailing law.
  2. Interest shall be paid at the end of the relevant month and shall be directly credited or added to the balance of the Depositor’s account as evident in BCA’s books and records.
  3. Any interest income shall be subject to tax in accordance with the prevailing tax law and the tax shall be borne by the Depositor.

 

E. COMPLAINTS HANDLING

  1. Any complaints to BCA in connection with the Tahapan Berjangka account may be lodged by the Depositor to any BCA branch office or to HALO BCA. For the purpose of handling the complaint, BCA may ask the Depositor to provide BCA with a copy of the Depositor’s identity card and other supporting documents.
  2. BCA shall respond to such complaint in accordance with the prevailing law.
  3. Any complaints relating to the Tahapan Berjangka account must be lodged by the Depositor to BCA within no later than 3 (three) months of the transaction date.

 

The Depositor hereby confirms that the Depositor has fully understood and agrees to these Terms and Conditions for Tahapan Berjangka of PT BANK CENTRAL ASIA Tbk. ("BCA") as described above and that BCA has provided explanations and asked for confirmation of the Depositor’s understanding of the benefits, fees and risks associated with the Tahapan Berjangka account.

 

These Terms and Conditions for Tahapan Berjangka

PT BANK CENTRAL ASIA Tbk. ("BCA")

have been adjusted in compliance with the prevailing laws and regulations including Regulations of the Financial Services Authority

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