Current Account

Supporting business continuity actively

Why BCA Current Account?

Currency Options

Available in 11 currency options (IDR, USD, JPY, AUD, GBP, SGD, HKD, EUR, CNH, MYR and THB)

Secure

Foreign exchange current account withdrawal available anytime with Letter of Authorisation (LoA) which inalienable

Convenient

Withdrawal and transfer of accounts using check or written transfer instructions (billyet giro) specially for IDR

Current Account

Current Account

In line with the rapid business growth, BCA accommodates its customer needs for flexibility and speed of service. BCA Current Account is a flexible product that offers various facilities tailored to the current trends of business customer needs. This product supports business continuity for businesses with active financial transactions. BCA Current Account is a deposit in the form of a current account and is available in rupiah and 10 other currencies namely USD, SGD, JPY, AUD, GBP, HKD, EUR, CNH, MYR, and THB

Benefits

Complete detail transaction
Ease business transaction management with detail and complete transaction
Practical
Can be used as gathering account to Virtual Account and Merchant debit BCA
Flexible
Equipped with join account facility
Withdraw and deposit
Withdraw and deposit transaction is able between branch office
Recorded
Monthly bank statement can be picked up easily at BCA branch office or send through mall

Important Information


BCA by Phone

Get all information about Current Account through BCA by Phone

Auto Transfer

Enjoy Auto Transfer facility special for Giro IDR account

Terms and Procedures

  • Account opening is available for individual customers (Indonesian or foreign national) who are 18 years old or above or married. 
  • Current Account is also available for Entity Customer
  • Fill out and sign the account opening form for an individual or business/legal entity and sign the provisions for Current Account opening and the National Black List.
  • bring all necessary documents.

Types of Customers 

Key Document

Adult Individual 

  • KTP
  • NPWP
  • Resident Permit (KITAS/KITAP), for foreign nationals
  • Places of Business License (SITU), for Indonesian citizens

LLC

  • Notarial Articles of Association/Deed of Establishment (AD/ART) or a cover note from a notary for a deed that has yet to be legalized
  • Deed of Amendment (if any)
  • Corporate NPWP 
  • Business License
  • Company Registration Certificate (TDP)/Business Registration Number (NIB)
  • Copy of KTP and NPWP of the entire management
  • Copy of KTP and NPWP of Stockholders 

Firm/CV/Cooperative

  • Articles of Association and Deed of Establishment (specifically for cooperatives, the documents must be legalized by the Ministry of Cooperative and Small and Medium Enterprises)
  • Deed of Amendment (if any)
  • Corporate NPWP 
  • Business License
  • Company Registration Certificate (TDP)/Business Registration Number (NIB)
  • Copy of KTP and NPWP of the entire management

Foundation

  • Articles of Association and Deed of Establishment that have been legalized by the ministry of Law and Human Rights or a cover note from a notary for a deed that has yet to be legalized
  • Deed of Amendment (if any)
  • NPWP 
  • Foundation Registration Certificate at the District Court
  • Operational permit from the relevant ministry 
  • Permit to run operational activities from the local government (specifically for social foundation domiciled in Jakarta)

 

  • When an account is opened on behalf of the customer, the power of attorney document authorizing an individual to open the bank account on behalf of said customer must be produced.
  • Not included in the National Blacklist.
  • Specifically for Entity Customer, the officer appointed to open the account is required to fill in individual customer data. 
  • When opening a Current Account, certain documents are subject to stamp duty charges.



For inquiries and complaints:

Contact Us:

Halo BCA 1500888

Email: halobca@bca.co.id

WA: +628111500998

www.bca.co.id

Social Media

Facebook : GoodLife BCA

Instagram : @goodlifebca

Youtube : Solusi BCA

Twitter : @BankBCA

Features, Benefits, and Risks of Current Account

Key Features of Current Account:

  • Available in 11 currencies namely Rupiah (IDR), US Dollar (USD), Singapore Dollar (SGD), Hongkong Dollar (HKD), Australian Dollar (AUD), Japanese Yen (JPY), Great Britain Pound Sterling (GBP), Euro (EUR), China Yuan (CNH), Malaysian Ringgit (MYR), and Thailand Baht (THB).
  • No reserved balance.
  • Current Account service is in the form of the interest rate given to customers who have a current account under the prevailing regulations at BCA.
  • The guaranteed interest rates adhere to the prevailing interest rates on Deposit Insurance Corporations (LPS) webpage.
  • Account statement will be sent in the print form and/or e-statement (direct download from BCA channel that you have). Current Account transaction facilities are:
    • Rupiah Giro Account: Check, Certificate of Giro (BG), Instruction Letter (SI), Paspor Cards (only for individual customers).
    • Foreign Currency Giro Account: Letter of Authorization (LA).

 

  • Competitive currency rates (link to BCA currency rates).

 



Benefits:

  • Customers can make withdrawals from their Rupiah Giro Account using a check, in which such check can be transferred, cleared, collected, or overbooked. Disbursement can be made at any BCA branch. 
  • Customers can use the certificate of Giro (B/G) as a means of payment to the customer’s business partners. The general provisions of B/G are as follows: 
    • Cannot be transferred or withdrawn in cash.
    • Formal requirements must be fulfilled at the time of issuance.
    • Signed directly by the Drawer in the form of a wet signature. 
    • The maximum correction for writing errors is at most 3 (three) times. 
    • The validity period of BG is 70 (seventy) days from the date of withdrawal.
    • The nominal value of scrip (Check/BG) that can be cleared is limited to a maximum of Rp500 million.
    • The submission of scrip (Check/BG) must be done by the beneficiary customer or party who receives proxy from the beneficiary customer.   
  • The Letter of Authorization (LA) to access the BCA Foreign Currency Giro Account is safe because it is not transferable.
  • Current Account can be used as an escrow account for Debit BCA, Virtual Account, and Working Capital Credit merchants.
  • Individual customers can apply for Current Account facilities such as ATM cards, internet banking (KlikBCA or KlikBCA Bisnis), mobile banking BCA (m-BCA, BCA mobile or myBCA), SMS BCA, info services via SMS/Email, and phone banking (BCA by Phone). Meanwhile, entity customers can apply for internet banking facilities (KlikBCA Bisnis), info services via SMS/Email, and phone banking (BCA by Phone).
  • Guaranteed security, PIN for ATM BCA, m-BCA, and Key BCA allows for a safe and comfortable transaction.
  • Specifically for Rupiah Giro Account, customers can register for the Auto Transfer facility, which is an automated fund transfer facility from one account to a Rupiah Giro account either during Batch (ATS Batch) or when the Current Account has insufficient balance during the process of OTC withdrawal (ATS Online).



Risks:

  • LPS does not guarantee your savings, if:
    • The amount of all savings (including interest) at one bank exceeds (equal to) Rp2 billion for both single and joint accounts 
    • The interest rate applicable exceeds the LPS-guaranteed interest rate.
  • Deposited banknotes cannot be withdrawn on the same day 
  • Withdrawal of CNH banknotes with a 1:1 rate calculation only applies at the branch where the account was opened.
  • For Foreign Currency Giro Account, exchange rates are subject to fluctuations according to market conditions 
  • If the remaining balance in the Rupiah Giro or Foreign Currency Giro Account is zero for 6 consecutive months, the account will be automatically closed. 

Issued check/BG may be rejected due to any reasons, such as mismatched signatures, form is incomplete, insufficient funds, etc. To avoid this, please ensure the fund’s availability in the Giro account and fill out the check/BG correctly.



Simulation:

Current Account Balance 

Giro Interest per annum*

Nominal Monthly Giro Interest **

Rp1,000,000

1%

Rp821.92

Note:

* Giro Interest may change at any time according to market conditions, which will be notified through BCA information facilities.

**Nominal Giro Interest = gross interest before tax according to the prevailing regulations (Assuming 1 month = 30 days and 1 year = 365 days).

TITLE > Additional Information (General Version)
  • Giro Interest will be credited at the end of each month to the relevant Current Account.
  • If Giro Interest decrease, the nominal giro interest received will also decrease.
  • Customers will receive giro interest if they maintain a certain average balance amount according to BCA regulations.
  • The joint account is available in the “AND/OR” account.
  • The instruction given to the bank in an OR account can be made against the signature of one holder of such joint account. Meanwhile, in an AND account, instructions must be made against the signatures of all account holders.
  • Deposit or purchases of foreign currency using Rupiah fund source with a value exceeding the equivalent of USD25,000 must be accompanied by underlying documents.
  • To close a Current Account, customers can visit the branch where the account was opened and an account closing fee will be charged.
  • The Bank is required to notify all changes to the benefits, costs, risks, terms, and conditions of these Products and Services by mail or through other means pursuant to the prevailing terms and conditions. Such notification will be made 30 days prior to the effective date.
  • For every offer and subscription of other products, BCA will first ask the customer for approval to provide customer data to third parties. 
  • Information about fees, benefits, and risks is available on www.bca.co.id.

Additional Information (General Version)

  • Giro Interest will be credited at the end of each month to the relevant Current Account.
  • If Giro Interest decrease, the nominal giro interest received will also decrease.
  • Customers will receive giro interest if they maintain a certain average balance amount according to BCA regulations.
  • The joint account is available in the “AND/OR” account.
  • The instruction given to the bank in an OR account can be made against the signature of one holder of such joint account. Meanwhile, in an AND account, instructions must be made against the signatures of all account holders.
  • Deposit or purchases of foreign currency using Rupiah fund source with a value exceeding the equivalent of USD25,000 must be accompanied by underlying documents.
  • To close a Current Account, customers can visit the branch where the account was opened and an account closing fee will be charged.
  • The Bank is required to notify all changes to the benefits, costs, risks, terms, and conditions of these Products and Services by mail or through other means pursuant to the prevailing terms and conditions. Such notification will be made 30 days prior to the effective date.
  • For every offer and subscription of other products, BCA will first ask the customer for approval to provide customer data to third parties.
  • Information about fees, benefits, and risks is available on www.bca.co.id.

Disclaimer (important note)

  • Bank may reject the application for a Current Account if they do not fulfill the applicable terms and conditions.
  • The customer has read and understood the Current Account product according to the Product Summary.
  • This Product Summary is not part of the application for opening a Current Account.
  • Customers are required to read and understand the application for opening a Current Account.
  • Information included in the Product Summary is valid until the new amendment related to the Current Account in this Product Summary is made.
  • Customers are required to carefully read this Product Summary before agreeing to the opening of the Current Account. Customers may rightly ask a Bank employee or call Halo BCA at 1500888 for any inquiries or complaints related to the Product Summary.

 

Fees, Limits, and Interest Rates 

Nominal Placement [accordion]

  • The minimum placement and monthly balance of the Current Account that must be maintained according to the currency are as follows:

Currency  

Minimum Initial Placement 

Minimum Balance

Indonesian Rupiah (IDR)

Rp1,000,000

Rp1,000,000

United States Dollar (USD)

USD1,000

USD500

Singapore Dollar (SGD)

Equivalent of USD1,000

SGD800

Hongkong Dollar (HKD)

Equivalent of USD1,000

HKD3,900

Australian Dollar (AUD)

Equivalent of USD1,000

AUD700

Great Britain Pound Sterling (GBP)

Equivalent of USD1,000

GBP300

Japanese Yen (JPY)

Equivalent of USD1,000

JPY52,500

Euro (EUR)

EUR1,000

EUR400

China Yuan (CNH)

CNH7,000

CNH3,500

Malaysian Ringgit (MYR)

MYR4,500

MYR2,000

Thailand Baht (THB)

THB35,000

THB15,000

Fees, Limits, and Interest rate

Nominal Placement

  • The minimum placement and monthly balance of the Current Account that must be maintained according to the currency are as follows:

    Currency

    Minimum Initial Placement 

    Minimum Balance

    Indonesian Rupiah (IDR)

    Rp1,000,000

    Rp1,000,000

    United States Dollar (USD)

    USD1,000

    USD500

    Singapore Dollar (SGD)

    Equivalent of USD1,000

    SGD800

    Hongkong Dollar (HKD)

    Equivalent of USD1,000

    HKD3,900

    Australian Dollar (AUD)

    Equivalent of USD1,000

    AUD700

    Great Britain Pound Sterling (GBP)

    Equivalent of USD1,000

    GBP300

    Japanese Yen (JPY)

    Equivalent of USD1,000

    JPY52,500

    Euro (EUR)

    EUR1,000

    EUR400

    China Yuan (CNH)

    CNH7,000

    CNH3,500

    Malaysian Ringgit (MYR)

    MYR4,500

    MYR2,000

    Thailand Baht (THB)

    THB35,000

    THB15,000

Fees

  • Income Tax Fee: 20% of the giro interest.
  • Monthly administration fees and penalty fees are:

Currency

Administration Fee

Penalty Fee*

Indonesian Rupiah (IDR)

Cardless

Rp30,000

Rp25,000

Blue Paspor Card Facilities

Rp30,000

Gold Paspor Card Facilities

Rp35,000

Platinum Paspor Card Facilities

Rp40,000

United States Dollar (USD)

USD5

USD5

Singapore Dollar (SGD)

SGD8

SGD8

Hongkong Dollar (HKD)

HKD39

HKD39

Australian Dollar (AUD)

AUD7

AUD7

Great Britain Pound Sterling (GBP)

GBP3

GBP3

Japanese Yen (JPY)

JPY525

JPY525

Euro (EUR)

EUR4

EUR4

China Yuan (CNH)

CNH35

CNH35

Malaysian Ringgit (MYR)

MYR20

MYR20

Thailand Baht (THB)

THB150

THB150

*) penalty fee will be imposed if the average balance does not meet the monthly minimum balance.

  • Current Account closing fees are as follows:

Currency

Closing Fee 

Indonesian Rupiah (IDR)

Rp25,000

United States Dollar (USD)

USD10

Singapore Dollar (SGD)

SGD20

Hongkong Dollar (HKD)

HKD80

Australian Dollar (AUD)

AUD15

Great Britain Pound Sterling (GBP)

GBP10

Japanese Yen (JPY)

JPY1,100

Euro (EUR)

EUR10

China Yuan (CNH)

CNH70

Malaysian Ringgit (MYR)

MYR40

Thailand Baht (THB)

THB350

 

  • Card manufacturing/replacement fees: 

Types of Cards 

Card Manufacturing/Replacement Fee 

Blue Paspor

Rp10,000

Gold Paspor

Rp15,000

Platinum Paspor

Rp20,000

Transaction Fees

  • Interbank transaction fees at each ATM network: 

Types of Transactions 

ATM BCA

Prima & GPN

Mastercard

Balance Check 

Free

Rp4,000

Rp5,000

Cash withdrawal 

Free

Rp7,500

Rp25,000

Interbank transfer 

Rp6,500

Rp6,500

-

Rejected transaction 

Free

Rp3,500

Rp5,000

 

  • Remittance fees between banks are as follows:

Description

Online

LLG

RTGS

via BCA Branch

-

Rp2,900

Rp30,000

via BCA mobile

Rp6,500

-

-

via Internet Banking

Rp6,500

Rp2,900

Rp25,000

Note: remittance cancellation will incur a fee of Rp10,000

 

  • Transfer fees between BCA accounts in another city or with a note via a BCA branch office are subject to a fee of Rp2,000
  • See Outward Remittance (OR) fees on www.bca.co.id (link to Fees & Limits of Outward Remittance page)
  • Each checkbook/BG/LA contains 25 sheets and customer can order this at the branch where the account was opened with the following fees: 
  • Checkbook/BG: Rp275,000 (including stamp duty).
  • Book of Letter of Authorization:

Currency

Fee

United States Dollar (USD)

USD1

Singapore Dollar (SGD)

SGD1.5

Hongkong Dollar (HKD)

HKD10

Australian Dollar (AUD)

AUD1.2

Great Britain Pound Sterling (GBP)

GBP0.5

Japanese Yen (JPY)

JPY120

Euro (EUR)

EUR1

China Yuan (CNH)

CNH7

Malaysian Ringgit (MYR)

MYR5

Thailand Baht (THB)

THB35

 

  • Instruction Letter: Rp25,000 for Rupiah Giro Account and USD5 equivalent for Foreign Currency Giro Account.
  • The fees charged for check/BG refusal are as follows:

Reason

Fee

Insufficient funds

Rp125,000

Other reasons 

Rp100,000

 

  • Every customer who makes a large cash withdrawal (with a value more than or equal to Rp100,000,000) is required to give a 1-day notice. Failure to give such notice, the customer will be charged a fee of Rp100,000.
  • A 1-day notice must be made for the withdrawal of banknotes at a BCA branch office with a value exceeding USD/SGD1,000 otherwise the customer will be charged a fee of Rp100,000.

Limit

  • Daily limit for individual Current Account transactions based on the type of Paspor card:

Types of Transaction

Blue Paspor

Gold Paspor

Platinum Paspor 

via ATM BCA

Cash Withdrawal 1) 7)

Rp20,000,000

Rp20,000,000

Rp20.000.000

Cash Deposit 2) 6)

Rp50,000,000

Rp80,000,000

Rp100,000,000

Transfer between BCA accounts 3) 7)

Rp100,000,000

Rp150,000,000

Rp200,000,000

Transfer between BCA accounts (to foreign currency account) 4) 7)

Rp100,000,000

Rp150,000,000,

Rp200,000,000

Interbank Transfer 3)

Rp15,000,000

Rp20,000,000

Rp25,000,000

via EDC

Debit BCA 5)

Rp50,000,000

Rp75,000,000

Rp100,000,000

via Mobile Banking

Transfer between BCA accounts 3)

Rp50,000,000

Rp100,000,000

Rp200,000,000

Interbank Transfer

Rp15,000,000

Rp20,000,000

Rp25,000,000

Other (for all card types)

via Internet Banking 8)

Rp500,000,000

via myBCA

Rp300,000,000

 

Types of Transaction

Blue Paspor

Gold Paspor

Platinum Paspor

via ATM BCA

Cash Withdrawal 1) 7)

Rp20,000,000

Rp20,000,000

Rp20,000,000

Cash Deposit 2) 6)

Rp50,000,000

Rp80,000,000

Rp100,000,000

Transfer between

BCA accounts 3) 7)

Rp100,000,000

Rp150,000,000

Rp200,000,000

Transfer between

BCA accounts (to foreign currency account) 4) 7)

Rp100,000,000

Rp150,000,000

Rp200,000,000

Interbank transfer 3)

Rp15,000,000

Rp20,000,000

Rp25,000,000

via EDC

Debit BCA 5)

Rp50,000,000

Rp75,000,000

Rp100,000,000

via Mobile Banking

Transfer between BCA accounts 3)

Rp50,000,000

Rp100,000,000

Rp200,000,000

Interbank transfer 

Rp15,000,000

Rp20,000,000

Rp25,000,000

Other (for all card types)

via Internet Banking 8)

Rp500,000,000

via myBCA

Rp300,000,000

Last Update: 9 July 2021

 

1) Cash withdrawal limit using Paspor cards or Cardless service on BCA mobile is a combined limit.

2) Cash deposit limit using Paspor cards or Cardless service on BCA mobile is a combined limit.

3) Transfer limit is a combined limit with m-BCA transfer limit 

4) This limit is separate from the Rupiah transfer limit.

5) Payment limit using Debit BCA is merged with cash withdrawals at merchants and Flazz top-up on EDC (separate from withdrawal limits on ATM).

6) Valid from 7 July 2021 until 31 August 2021.

7) Valid from 12 July until 30 September 2021, only for Paspor BCA Mastercard & Paspor BCA GPN.

8) Valid from 2 July until 2 August 2021.

 

  • For Foreign Currency Giro Account, customers can make deposits and withdrawals of banknotes with a 1:1 rate calculation (not subject to the exchange rate for the same currency ) under the following conditions:

Description

Calculation

Deposit *

USD Giro Account

Deposit up to USD50,000/day/account

1:1

Deposit more than USD50,000/day/account

0.5% provision fee of the excess

Other Foreign Currency Giro 

Non-USD banknote deposit for non-USD account**

1:1

 

Withdrawal

USD Giro Account

Withdrawal up to USD10,000/month/account

1:1

Withdrawal more than USD10,000/month/account

0.5% provision fee of the excess

SGD Giro Account

 

Withdrawal up to SGD10,000/month/account

1:1

Withdrawal more than SGD10,000/month/account

0.5% provision fee of the excess

CNH Giro Account

 

Withdrawal up to CNH20,000/month/account

1:1

Withdrawal more than CNH20,000/month/account

0.75% provision fee of the excess

*) Deposit of banknotes in poor condition and/or smaller denominations of the same currency a 1:1 rate calculation applies with a provision fee of 0.25%.

**) a 1:1 rate calculation applies to certain non-USD denominations.

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