BCA - BCA - myBCA Bisnis

myBCA Bisnis

myBCA Bisnis is an internet banking service that can be accessed on various devices to perform transactions, authorizations, status checks, and address various cash management needs.

Key Features

Accounts
- Account Information
  View balance information, account types, branch names, and other account details.
- Account Statement
  View debit and credit transactions for each account registered on the myBCA Bisnis service. Account statements can be downloaded individually or multiple accounts at once.
- e-Statement
  Download monthly account statement information, Customer Portfolio Reports, and Withholding Tax Certificates in softcopy, based on the selected period.
- Deposit
  Opening and disbursing e-Deposit accounts online through myBCA Bisnis without the issuance of a physical deposit certificate, as well as conducting inquiries for Deposit and e-Deposit accounts owned by business customers.
- Credit Cards
  View and download credit card information, transactions, and bills registered on myBCA Bisnis.
- Business Debit Card
  Manage financial activities of Deposit Card, Petty Cash Card, and Loyalty Card, including cash inflows and outflows.
- Cheque Book Request
  Order cheque books and Bilyet Giro (BG) online.
- Access Card and Fleet
  Add, manage, delete, and download reports related to registered Access Card and Fleet Card activity.
Transfer
- Transfer to Your Own BCA Accounts
  Transfer to your own BCA accounts and other BCA accounts in IDR, USD, SGD, HKD, AUD, EUR, GBP, JPY, and CNY.
- Domestic Interbank Transfer
  Transfer from a BCA account to another domestic bank account in Rupiah.
- Transfer Funds to BCA Virtual Account
  Transfer to BCA Virtual Account in Rupiah. Customers can make transfers with transaction types such as no bill, fixed bill, and variable bill, with options for same-day or future-dated transactions.
- Outward Remittance
  Transfer foreign currency funds to other bank accounts (Outward Remittance), both domestically and abroad, using BCA accounts as the source of funds, in Rupiah or foreign currency. For a foreign-currency source of funds, the transaction currency between the source and destination accounts must be the same.
- Payroll
  Salary payments for the company's employees, collectively, to BCA accounts or other bank accounts (LLG/RTGS/BI-FAST).
- Bulk Transfer
  Transfer funds in bulk to BCA accounts or other banks (LLG/RTGS) through file upload. Customers can choose the authorization type, either authorizing the entire file at once (bulk authorization) or authorizing a specific part of the file (individual authorization). In addition, customers can also access supporting information about a transaction, such as detailed payment data sent to the beneficiary via email, using the Remittance Advice function
- File Import
  Upload transaction files in bulk through the myBCA Bisnis service and Host to Host (H2H) feature, but authorization is done per record and can be carried out simultaneously across multiple different transaction files.
- Underlying Documents
  Upload documents that serve as the underlying for foreign-currency transactions. If the transaction exceeds the threshold, the system automatically calculates the accumulated threshold.
- Beneficiary List
  Register, change, and delete destination accounts individually or in bulk for transfers to BCA accounts, other domestic banks, BCA Virtual Accounts, and interbank foreign currency. In addition, customers can also determine access rights for each account number.
Payment & Payables
- Payment & Top Up
  Payment of various types of needs, namely Telkom, Postpaid, Penerimaan Negara, PLN, BPJS Kesehatan, Water, Internet & Cable TV, Insurance, Loans, BCA & Other Bank Credit Cards, PBB, BPJS TK, and Other Regional Taxes. Payments can also be made in bulk.
- e-Billing
  Creation of billing codes and payment of billing code bills, both individually and in bulk.
- Payee List
  Save, edit, and delete the list of payment institutions for various payment types and top-ups, individually or in bulk via file upload.
Receivables
- Collection Mandate
  View the list of collection debit authorizations registered with BCA by the customer.
- Collection
  Individual or bulk account debit made by the Company Partner to be credited to one or more accounts, where the debit process has been authorized by the account holder.
- BCA Virtual Account
  Create a virtual account number using the customer data file upload, then download the customer data that was successfully created. The virtual account number is a means for customers to pay bills.
- BCA Virtual Account Report
  Transaction reports on payments to the customer's virtual account number.
Liquidity
- Sweep Execution Results
  View the results of Sweep execution of the customer's Sweep instructions.
- Sweep Structure
  See the Sweep Execution Instructions and Results executed by BCA. Sweep is used to automatically and on a scheduled basis transfer balances in customer accounts according to the customer's settings.
Financing
- Credit Facility Information
  View the debtor's facility and loan data.
- Credit Statement
  View the transaction history on a specific loan account number for customers or debtors. The type of credit facility that can be accessed for a credit statement is Time Loan Increasing Notes.
- Credit Documents
  Access the latest credit documents consisting of SPPK (Notice of Credit Granting) and SPPJ (Notice of Term Extension) owned by debtor customers.
- Credit Facility Payment
  The credit facility payment for various loan repayment schedules.
- Supply Chain Finance (SCF)
  A financing solution that involves a relationship between the buyer company, the seller company, and BCA to optimize cash flow throughout the supply chain. The SCF features available through MBB include Invoice Upload, Invoice Management, SCF Loans, Scheduled Transaction Cancellation, SCF Information, and SCF Reports.
Trade
- Bank Guarantee
  Inquire and download information on previous Bank Guarantee applications, request the issuance of a Bank Guarantee, and request the amendment of a Bank Guarantee previously issued by BCA.
FX & Treasury
- J-Valas
  Access the J-Valas application without having to log in again. The myBCA Bisnis serves solely as an entry point to access the J-Valas application.
Activity
- Transaction Status Summary
  View transaction activity and status information, and authorize transactions in a single screen.
- Transaction Limit Information
  View the applicable limits and remaining transaction limits that can still be used, such as Company Daily Limit, Account Limit, User Releaser Limit, and Direct Authorization Limit.
- Download Request Results
  Download all files requested by customers for each feature in myBCA Bisnis.
- Recurring Transaction Information
  View information about the status of recurring transactions that have been made.
Host to Host (H2H)
A feature to conduct online and real-time banking transactions from the customer's internal system, using either authorization or the myBCA Bisnis platform. Here are the MBB features that can be run through H2H MBB:
- Business Card Upload & Report
- Remittance Advice, Outward Remittance, Bulk Transfer, Payroll, File Import
- e-Billing, Bulk Payment
- Bulk Collection
- SCF Report, SCF Invoice Upload, Scheduled Transaction Cancellation, Accelerated Dealer Financing Maturity
- MT940 Report (H2H & SWIFT)

Benefits

Customers can make banking transactions provided by BCA online and in real-time for 24/7.
Transactions are safe and convenient because they can only be accessed on the secure connection network and the use of KeyBCA in transactions.
There are various features in myBCA Bisnis services designed to meet every customer's business needs.

Risks

Misuse of the myBCA Bisnis service may occur, among others, due to the customer’s KeyBCA (Hard Token) or KeyBCA Bisnis (Soft Token) being lost or stolen; cards, BCA ID Bisnis, PIN/Password/OTP being disclosed to other parties; and transaction data leaks caused by myBCA Bisnis customers’ negligence.
The possibility of network disruption that may cause banking transactions through myBCA Bisnis services cannot be carried out.

Requirements and Procedures

Customers are corporate customers, business individuals, banks, remittance companies/non-bank fund transfer operators who have accounts with BCA.
Customers can access myBCA Bisnis services after registering for Ocean by BCA by:
- Visiting the nearest Branch Office, Corporate Branch Office, or contacting the Relationship Manager (RM).
- Filling out the Ocean by BCA form and conditions.
- Providing supporting documents, including:
Articles of Association or Bylaws (corporate customers)
Ocean by BCA Owner Identity Document and User Identity Document to be registered
After the Ocean by BCA application is processed, customers will get:
- Corporate ID
- User ID
- KeyBCA (Hard Token) and KeyBCA PIN are sent separately for security and confidentiality when transacting on myBCA Bisnis service (if you choose to use Hard Token)
- Email for Soft Token activation (if you choose to use Soft Token)
Host to Host Application
- The myBCA Bisnis service provides an H2H feature that enables customers to conduct online, real-time banking transactions from their internal systems. Customers who apply for H2H MBB are required to build an H2H network infrastructure and system in accordance with the Technical Specification Document from BCA to enable transactions through the H2H MBB feature.
- Regarding the use of H2H MBB:

Channel Facilities

Fees and Limits

Fees

Customers who own myBCA Bisnis can determine the type of transaction fee charged, namely:

OUR, transaction fees are imposed on the myBCA Bisnis customer as the sender.
BEN, transaction fees are imposed on the recipient by deducting the transaction value to be received.
SHA, transaction fees are imposed on the sender and recipient.

Fees incurred on transactions made through myBCA Bisnis services will be charged to the sender and/or recipient for each successful or failed transaction to be processed.
The H2H MBB fee charged to H2H MBB customers is determined based on analysis and calculations conducted by BCA.
Transaction Fees¹⁾

Type	Service	Fee
Transfer to Other Domestic Banks	BI-FAST (single)	IDR2,500.00*
	Rp2,100.00/record**
	LLG	IDR2,900.00
	RTGS	IDR25,000.00
Payroll	LLG	IDR2,900.00/record
	RTGS	IDR25,000.00/record
	BI-FAST	IDR2,100.00/record**
	Payroll (D-Day)	IDR5,000.00/record
Collection	BCA	IDR3,000.00/record

Last updated: 15 October 2025

Remarks:
*)The fee includes a charge imposed by Bank Indonesia of IDR19 (VAT not included).
**)The fee includes a charge imposed by Bank Indonesia of IDR16 (VAT not included).

Transfer limit to BCA and other banks*

Type	Minimum	Maximum
Transfer to BCA Account
Rupiah to Rupiah	IDR1.00	Unrestricted
Transfer to Other Domestic Banks
BI-FAST	IDR10,000.00	IDR250,000,000,00
LLG	IDR1.00	IDR1,000,000,000,00
RTGS	IDR100,000,001,00	IDR9,999,999,999,999,00

Remarks:
*)Transaction limit according to the maximum Company's Daily Limit set by the customer

BCA's Virtual Account transaction fee will be subject to the terms and conditions of BCA Virtual Account service.
Interbank Foreign Currency Transfer Transaction Fees

Service	Fee
Telex	IDR35,000.00
In Lieu (MYR & THB)	USD5 (eq.)
In Lieu (Other currencies except IDR)	0.125% of the transaction amount, capped at a minimum value of USD5 (eq.) and a maximum of USD150 (eq.)
Value Today	IDR30,000.00
Full Amount (JPY Currency with Partner Receiving Bank)	JPY1,000 + (0,05% x nominal transfer) Min. JPY3,000
Full Amount (JPY Currency with Other Receiving Banks)	JPY1,000 + (0,1% x nominal transfer) Min. JPY6,000
Full Amount (USD currency with destinations other than Australia, AUD currency with destinations other than Australia, CNY currency with destinations other than China, Currencies Other than JPY, USD, IDR, AUD, EUR, CNY and HKD destinations with destinations other than Japan)	USD25 (eq.)
Full Amount (EUR Currency for All Countries)	EUR30
Full Amount (AUD currency with Australian destinations)	AUD20
Full Amount (CNY Currency with China destination)	USD10
Full Amount (HKD Currency for All Countries)	HKD300
Full Amount (IDR currency with destination LCT Countries except Japan)	IDR200,000
Full Amount (IDR currency with destination Japan)	JPY1,000 + (0.05% x nominal transfer) min. JPY4,000
Full Amount (Currencies Other than JPY, USD, IDR, AUD, EUR, CNY and HKD with Japan destinations)	Eq. JPY1,000 + (0.05% x Nominal Transfer) Minimum JPY3,500 (eq.)

Last updated: August 21, 2025

Remark:
¹⁾Domestic Other Bank Transfer fees can be determined to be charged to the sender or recipient of funds, while Payroll fees will be the burden of the sender of funds.

Note:
The fees listed are standard fees that are subject to change at any time; the amount will be notified by BCA in any form and through any means in accordance with applicable regulations. For the submission of special fees, it can be provided in accordance with the BCA Business Unit's analysis and approval.

Limit

Limit	Remarks
Company Daily Limit	To limit the daily transaction amount at the company level
Account Daily Limit	To limit the daily transaction amount at the account level
Releaser Limit per Transaction	To limit the transaction amount per transaction that can be authorized by an operational user with the Releaser role
Limit Workflow	To limit tiering levels in the company authorization rules
Direct Authorization Limit	To limit the transaction amount that can be made and authorized on the same transaction menu by operational users who have the roles of Maker and Releaser
Daily Limit of Collection Collaboration¹⁾	To limit the maximum total amount of Collection transaction per day per Corporate ID

Remark:

¹⁾The limit is mandatory for Corporate IDs that have a Collection collaboration.

Important Information

Additional Information

Customers can make transactions on myBCA Bisnis services according to the service time for each type of transaction contained in the Transfer feature as follows:

Transactions	Days of Operation	Deadline
BCA/BCA Virtual Account	Every day	24 hours
LLG/RTGS	Every business day	Maximum at 15.30 WIB*)
BI-FAST	Every day	24 hours
Payroll to BCA	Every day	*03.00 WIB – 20.00 WIB)**
Payroll to Other Banks LLG/RTGS	Every business day	*06.00 WIB – 15:30 WIB)**
Payroll to Other Banks BI-FAST	Every day	*03.00 WIB – 20.00 WIB)**

Remarks:
*)Transaction times are subject to change at any time

Customers who make Outward Remittance transactions outside the service hours below will be processed on the next business day. The following are the deadlines for Outward Remittance transactions by currency type:

Currency	Value Today Operational Hours	Non Value Today Operational Hours
NZD	08.30-10.00 WIB	08.30-15.00 WIB
AUD	(a) 08.30-10.30 WIB (b) 08.30 - 13.00
SGD	08.30-12.30 WIB
AED	08.30-14.30 WIB
HKD, CNY, SAR, MYR, THB	08.30-12.00 WIB
USD, EUR, CAD, GBP, CHF, SEK, ET AL, IDR	08.30-15.00 WIB
JPY	Not available

Customers who own myBCA Bisnis and other User ID holders appointed by myBCA Bisnis are required to secure BCA Bisnis ID, KeyBCA (Hard Token) or KeyBCA Bisnis (Soft Token) by:
- Not disclosing the BCA Bisnis ID, KeyBCA PIN, myBCA Bisnis Lite and KeyBCA Response PIN to others.
- Not writing the BCA Bisnis ID, KeyBCA PIN, myBCA Bisnis Lite and KeyBCA Response PIN on the table, terminal or store them in written form or on a computer application or other storage facility that allows them to be known by others.
- Using BCA Bisnis ID, KeyBCA PIN, myBCA Bisnis Lite and KeyBCA Response PIN carefully so that it is not visible to others.
- Not using KeyBCA PIN and myBCA Bisnis Lite PIN given by others or that are easy to guess such as date of birth or a combination of them and phone number.
BCA Bisnis ID and KeyBCA (Hard Token) can be blocked if:
- There was an error in entering KeyBCA Response 3 (three) times in a row when logging in or making transactions using KeyBCA so that the User ID will be blocked.
- There was an error in entering the KeyBCA PIN 3 (three) times in a row and the KeyBCA was reported to be damaged or lost so that KeyBCA would be blocked.
In the event of being blocked:
- User ID:
  1. The Customer or the party appointed by the relevant Customer may apply for the unblocking of the User ID to the BCA/Halo BCA Branch Office in accordance with the applicable procedures at BCA; and
  2. For User IDs with roles other than Sysadmin, unblocking requests can be made through the myBCA Bisnis service or through the means specified by BCA.
- KeyBCA (Hard Token): replace KeyBCA (Hard Token)
Causes of KeyBCA Bisnis (Soft Token), myBCA Bisnis Lite PIN and the blocked User ID of the Soft Token/myBCA Bisnis Lite user can be viewed here.
- Customers who own myBCA Bisnis services will receive an email notification for financial transactions made through myBCA Bisnis to the registered email address.
Customers can apply for the closure of myBCA Bisnis services through the nearest BCA Branch Office/Corporate Branch Office/Relationship Manager (RM).
BCA will inform the customers of any changes to the benefits, costs, risks, terms and conditions of this Product and/or Service through any means in accordance with the applicable legal provisions.

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