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

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.

 

  • 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.

TERMS AND CONDITIONS FOR CURRENT ACCOUNT HOLDERS
PT BANK CENTRAL ASIA Tbk. ("BCA")

  1. DEFINITION
    1. Account Holder means an individual, juristic person, any entity other than a juristic person, or a combination thereof that has completed and signed the application form for Current account opening and such application has been approved by BCA.
    2. Account Statement means a copy of transaction history made by BCA in respect of the Account Holder’s Current account.
    3. Business Day means a day on which BCA and other banks are open to carry on general business activities.
    4. Calendar Day means any day of the calendar month.
  2. GENERAL TERMS AND CONDITIONS
    1. By opening a Current account with BCA, Account Holder agrees to comply with and adhere to these Terms and Conditions for BCA Current Account Holders. BCA has the right to amend these Terms and Conditions for BCA Current Account Holders upon notice by BCA in any form and by any means in accordance with the prevailing law.
    2. In dealing with Account Holder, BCA shall act according to the prevailing law and any provisions applicable at BCA.
    3. Account Holder must provide BCA with one or more specimen signatures of Account Holder, or one or more specimen signatures of the persons authorized to represent Account Holder to conduct transactions with respect to the Current account, as well as a detailed description of their respective rights and powers. Such specimen signatures shall remain valid unless a written notice of any change thereof is provided by Account Holder and received by BCA.
    4. Account holder must notify BCA in writing of all data and data changes of Account Holder, including but not limited to its name, address, telephone number, Tax ID Number (NPWP).
    5. Account Holder hereby authorizes BCA to provide Account Holder’s data to other parties having entered into a cooperation arrangement with BCA for the purpose of promotions or other commercial purposes.
    6. Any Account Statement in the name of Account Holder issued by BCA based on its books and records shall be valid evidence of the account transaction history, time and total amount of money in the Current account unless sufficiently proven otherwise.
    7. Account Holder is entitled to receive an Account Statement. If Account Holder, within 14 (fourteen) days after the Account Statement is provided by BCA, does not file any objection there to with the branch office of BCA where it opened its Current account, then Account Holder is deemed to have accepted all the data contained in the Account Statement
    8. BCA is at all times entitled to and is hereby authorized by Account Holder to make corrections to the Current Account if there is any error in the Account Statement.
    9. BCA is entitled to block Account Holder's account, reject any transaction involving Account Holder's account and/or terminate business relationship with Account Holder in the event:
      1. Account Holder fails to comply with the prevailing law;
      2. Account Holder fails to provide information and supporting documents in accordance with the prevailing law;
      3. Account Holder is found and/or is reasonably suspected of using false documents and/or providing misleading data to BCA;
      4. Account Holder provides allegedly inaccurate information; and/or
      5. Account Holder’s source of funds for transactions is found and/or reasonably suspected of emanating from a criminal offence.
    10. The Account Statement may be delivered to Account Holder in the following manners:
      1. 10.1 The Account Statement is sent to Account Holder’s address.

        If an Account Statement has been sent to Account Holder’s address but is returned to BCA, then:

        1. BCA will keep such Account Statement for 3 (three) months from the date of issuance of that Account Statement. Upon the lapse of the 3 (three) months’ period, BCA will destroy the Account Statement.
        2. In connection with point a above, if an Account Statement is returned to BCA for any reason for three (3) consecutive months, then BCA will cease sending the Account Statement to Account Holder. If Account Holder wishes to continue having the Account Statement sent to Account Holder’s address, then Account Holder must come to the BCA branch office designated by BCA to resubmit a request for delivery of the Account Statement.

        10.2 The Account Statement is collected by Account Holder

        If an Account Statement is not collected by Account Holder within 3 (three) months from the date of its issuance, such Account Statement will be destroyed. If the Account Statement is not collected for 3 (three) consecutive months, then the Account Statement will only be printed and made available for Account Holder after Account Holder resubmits a request for the Account Statement to the BCA branch office designated by BCA.

    11. If the Account Statement received by Account Holder has been opened or damaged, Account Holder must add a note "opened or damaged" on the delivery receipt. Furthermore, Account Holder must report and bring such “opened or damaged” Account Statement to the BCA branch office where it opened the Current Account.
    12. As long as Account Holder (including any one or more parties forming a joint Current account) is still indebted to BCA by virtue of credit facilities, L/C, bank guarantees or any guarantee issued by Account Holder (borgtocht), interest, fees, clearing fees, fees for cheque/Bilyet Giro books, stamp duty, drafts, letters of acceptance or other trade documents signed by Account Holder for purposes of acceptance, endorsement, or withdrawal, guarantee or as a result of the use of credit cards or any charges or obligations incurred from any causes whatsoever, BCA has the right to and, to the extent necessary, is hereby authorized by Account Holder to debit Account Holder’s Current account and to apply the proceeds to settle any amount due to BCA at any time. Any consequences arising from the debiting of the Current account by virtue of Account Holder’s authorization shall be the sole responsibility of Account Holder.
    13. In the event of the lack or insufficiency of funds in Account Holder’s Current account, at the first request of BCA, Account Holder must pay to BCA a certain amount deemed reasonably sufficient by BCA to settle Account Holder’s debts as referred to in point 12.
    14. If Account Holder requests BCA to make a collection of instruments (inkaso) from the issuing bank, BCA has the right to appoint a correspondent bank to process the collection. Failure or delay by such correspondent bank in processing the collection with the issuing bank, remitting the proceeds to BCA and any loss incurred as a result of the collection process shall be the sole responsibility of Account Holder.
    15. Account Holder shall be fully responsible for:
      1. the authenticity, validity, correctness and completeness of all documents submitted to BCA in connection with Account Holder’s Current account; and
      2. the validity of the signature(s) in each and every document and the authority of the person(s) who signed such document.
    16. Account Holder is fully liable for any losses arising from any incomplete data, failure to receive notification by telephone, telex, or other means of communication, or delay in or non-delivery of any notices delivered by Account Holder to BCA, or by BCA to Account Holder which is not attributable to BCA’s fault.
    17. Account Holder may close its current account at the BCA branch office where Account Holder initially opened the Current account. BCA for a certain reason may close the Current account.
    18. Any Current Account with a balance of Rp 0 (zero rupiah) for 6 (six) consecutive months shall be automatically closed by system.
    19. Any actions taken by one or more parties that open a joint Current account shall be binding on all such parties and therefore each of them is jointly and severally liable to BCA for any consequences arising therefrom.
    20. If Account Holder later applies for such facilities as m-banking, KlikBCA, SMS BCA, and/or other facilities associated with the Current account, Account Holder hereby agrees to accept the terms and conditions of such m-banking, KlikBCA, SMS BCA, and/or other facilities associated with the Current account as used by Account Holder
    21. BCA is not liable for any losses, claims or demands from any party arising from any events that occur beyond the control of BCA (force majeure) including but not limited to the implementation of any rules or regulations issued by competent authorities, disruption of communication systems, natural disasters, strikes, riots, or emergencies.
    22. BCA has the right to make necessary corrections to or reversals of Account Holder’s transactions or balance if BCA makes an error in posting the relevant data.
    23. For the purpose of dispute settlement between BCA and Account Holder, Account Holder and BCA have agreed on a common and permanent legal domicile at the Registrars’ office of the District Court having jurisdiction over the BCA branch where the Current account was opened, without prejudice to BCA’s right to file lawsuits against Account Holder through other District Courts within the territory of the Republic of Indonesia.
    24. Account Holder’s funds deposited with BCA are guaranteed by the Indonesia Deposit Insurance Corporation (Lembaga Penjamin Simpanan, LPS) according to the stipulated maximum amount covered by the LPS. The LPS shall not guarantee any deposit with an interest rate exceeding the maximum rate stipulated by the LPS.
    25. Any data connected with the Current account at BCA shall be stored by BCA in accordance with the prevailing law
  3. SPECIAL TERMS AND CONDITIONS FOR RUPIAH CURRENT ACCOUNT
    1. Upon the opening of the Rupiah Current account, BCA will provide Account Holder with a Cheque/Bilyet Giro book.
      Account Holder will be charged a certain fee for the issuance of such Cheque/Bilyet Giro book. The amount of such fee and any change thereto will be notified by BCA to Account Holder in any form and by any means in accordance with the prevailing law.
    2. Account Holder is fully liable for any misuse of the Cheque/Bilyet Giro provided by BCA to Account Holder.
    3. Account Holder must make an initial deposit to its Current account, which is opened at BCA. The amount of such initial deposit and any change thereto will be notified by BCA to Account Holder in any form and by any means in accordance with the prevailing law.
    4. The Paspor card, which can be used to conduct certain transactions through BCA Automated Teller Machines (ATM) or other facilities as may be determined by BCA, will be available only to individual Current Account Holders only.
    5. Deposit payment can be made at any time with the teller within the counter operating hours during BCA business hours or through cash deposit machines.
    6. Deposit payments in forms of Cheques, Bilyet Giro, drafts, and other instruments of similar nature will be credited to the Current account on the same day of receipt of such instruments, but the funds so credited shall not constitute good funds (dana efektif) that can be readily used or withdrawn by Account Holder (floating). The status of good funds in the Current account is dependent on the clearing result from Bank Indonesia and time of the clearing process (same day, next day or two days) as applicable to each BCA branch. For incoming remittance transactions, funds will be credited to the Current account once the amounts are actually received by BCA in good funds.
    7. In the event that a Cheque, Bilyet Giro, draft and any other instrument of similar nature is rejected, then BCA has the right to debit Account Holder’s Current account with an amount equal to the amount of the rejected Cheque, Bilyet Giro, draft and any other instrument of similar nature, along with any fees arising therefrom.
    8. In the event the issuing bank refuses to pay the instrument deposited by Account Holder, the rejected instrument may be collected or picked-up by the customer within 30 (thirty) calendar days of the rejection date. If the customer fails to collect the rejected instrument within such period, BCA disclaims liability for any consequences arising from such non-collection of that instrument.
    9. Account Holder shall bear all costs and fees incurred in connection with the opening of the Current account with BCA, including but not limited to the fee for producing/replacing the Paspor card, administration fee, transaction fee, additional administration fee if the average balance in the relevant month is less than the required minimum balance, and any other fees. The amount of such fees and any related changes thereto shall be notified to Account Holder in any form and by any means in accordance with the prevailing law. Such fees shall be directly debited by BCA from Account Holder’s Current account.
    10. Account Holder must abide by the following provisions:
      1. Any cheque presented to BCA for payment before the payment date stated on the cheque ("postdated cheque") will still be paid by BCA on condition that Account Holder has sufficient funds available in Account Holder’s account with BCA on that day.
      2. Bilyet Giro means a written order from Account Holder to transfer funds from Rupiah Current account to the account of the beneficiary whose name is stated on that Bilyet Giro and the Bilyet Giro is not cashable nor transferable.
      3. Request for a Cheque /Bilyet Giro Book must be made in writing by Account Holder; and the return of the first sheet (receipt) of the Cheque/Bilyet Giro book must be done once the Cheque/Bilyet Giro book is received by Account Holder or by any other person authorized by Account Holder.
      4. The deadline for collecting the requested Cheque/Bilyet Giro book is no later than 30 (thirty) calendar days of the date on which Account Holder makes the request for such Cheque/Bilyet Giro book.
      5. If Account Holder fails to collect the requested Cheque/Bilyet Giro book after the lapse of such 30 (thirty) calendar days of the date on which Account Holder makes the request therefor, BCA has the right to unilaterally destroy such Cheque/Bilyet Giro book. Account Holder will still be charged in accordance with the applicable terms and conditions for each Cheque/Bilyet Giro book that is not collected and destroyed by BCA.
      6. Any Bilyet Giro presented to BCA for book-entry or transfer before its due date will be dishonored by BCA regardless of whether or not there are sufficient funds available in the Current account
      7. Account Holder must ensure sufficient funds in the Current account for payment of the outstanding Cheque/Bilyet Giro. Any Bilyet Giro which has fallen due or any Cheque presented to BCA will be dishonored by BCA and treated as a dud Cheque/Bilyet Giro if there are insufficient funds in Account Holder’s Current account for payment of the Cheque/Bilyet Giro.
      8. Account Holder shall not draw a dud Cheque/Bilyet Giro for any reason. Account Holder hereby agrees and acknowledges that its Current account will be closed and Account Holder’s name will be put on the Bank Indonesia Blacklist if Account Holder draws such dud Cheque/Bilyet Giro.
      9. Account Holder holds BCA harmless against all legal proceedings and any legal consequences arising from the rejection of a dud Cheque/Bilyet Giro to the extent such rejection is in accordance with the applicable laws and regulations.
      10. Cancellation of a Cheque/Bilyet Giro by Account Holder must be made in writing and can only be processed by BCA after the expiry of the offer timeframe provided that the instruction on such Cheque/Bilyet Giro has not been processed at the time BCA receives the written notice.
      11. In the event of any written report on the loss of any Cheque/Bilyet Giro accompanied by a Police certificate, then BCA has the right to dishonor the Cheque/Bilyet Giro.
      12. Account Holder agrees to comply with all the provisions governing Cheque/Bilyet Giro, including, among others, those concerning the signing of Cheques/Bilyet Giro, payment of stamp duty, and other provisions for drawing a Cheque/Bilyet Giro.
    11. BCA may offer certain products/services via personal communication means. If Account Holder objects to such promotional offers, Account Holder can contact Halo BCA.
    12. Account Holder hereby authorizes BCA to provide Account Holder’s data to the paying bank as may be required for the remittance of Account Holder’s funds.
    13. Account Holder shall be subject to a certain fee upon closing its Rupiah Current account. The amount of such closing fee and any change thereto will be notified by BCA to Account Holder in any form and by any means in accordance with the prevailing law.
    14. Upon termination of the relationship between BCA and Account Holder in respect of the Current account, Account Holder must settle all of its obligations in connection with any Cheque/Bilyet Giro that has been drawn but remains outstanding, and return all of the remaining sheets of the Cheque/Bilyet Giro book in its possession to BCA.
  4. SPECIAL PROVISIONS FOR FOREIGN CURRENCY CURRENT ACCOUNT
    1. Upon opening a Foreign Currency Current account, BCA will provide Account Holder with Letter of Authorization (LA), namely an instruction letter to debit the Foreign Currency Current account.
      Account Holder is solely responsible for any misuse of the LA provided.
    2. Account Holder must make an initial deposit to the Foreign Currency Current account opened with BCA. The amount of the initial deposit and any change thereto will be notified by BCA to Account Holder in any form and by any means in accordance with the prevailing law.
    3. All withdrawals or transfer of funds must use the LA or any other means in accordance with the provisions applicable at BCA, and can be made at any time with the teller during BCA business hours.
      Any withdrawal in the form of banknotes from the Foreign Currency Current account can only be made at the BCA branch office where the Foreign Currency Current account was opened; however, solely for withdrawal of banknotes denominated in United States Dollar from a United States Dollar Current account, such withdrawal can be made either at the BCA branch office where the Foreign Currency Current account was opened or at any other BCA branch office designated by BCA or in accordance with any amended terms as may be notified by BCA in any form and by any means in accordance with the prevailing law. Withdrawal in Rupiah from the Foreign Currency Current account or inhouse transfer from the Foreign Currency Current account may be done in all BCA branch offices.
    4. The LA cannot be used as a means of payment and is not transferable, redeemable or encashable in other branches.
    5. If deposit payments are received in a denomination other than the currency in which the Foreign Currency Current account is denominated, then the amount shall be credited to the Foreign Currency Current account using the applicable exchange rates at BCA. Account Holder of the Foreign Currency Current account hereby holds BCA harmless against any liabilities and losses as a result of currency devaluation/depreciation of any outstanding instruments still in the collection or transfer process.
    6. Deposit payments through Telegraphic Transfer (TT) in the same currency from another bank will be subject to a commission fee in accordance with the applicable provisions at BCA.
    7. For each transfer transaction, whether interbank or intrabank transfer, in a currency other than the currency in which the Foreign Currency Current account is denominated, Account Holder of the Foreign Currency Current account agrees that:
      1. 7.1 BCA has the right to charge all fees incurred for such interbank or intrabank transfer transaction made from or over the Foreign Currency Current account

        7.2 The interbank or intrabank transfer from the Foreign Currency Current account will use the exchange rate prevailing at BCA.

    8. Withdrawal from the Foreign Currency Current account in the form of banknotes are subject to the prevailing exchange rates at BCA and the availability of such banknotes at BCA.
    9. Account Holder of the Foreign Currency Current account shall be subject to the following fees:
      1. 9.1 Administration fee in the currency in which the Foreign Currency Current account is denominated; and

        9.2 Penalty fee if the average balance of the Foreign Currency Current account in the relevant month is less than the required minimum balance.

        The amount of the fees specified above or any changes thereto will be notified by BCA to Account Holder of the Foreign Currency Current account in any form and by any means in accordance with the prevailing law. Such fees will be directly debited by BCA from Account Holder’s Current account.

    10. Account Holder shall be subject to a certain fee upon closing the Foreign Currency Current account. The amount of such closing fee and any changes thereto will be notified by BCA to Account Holder of the Foreign Currency Current account in any form and by any means in accordance with the prevailing law.
  5. HANDLING OF COMPLAINTS
    1. Account Holder may lodge any complaint with respect to the Current account with BCA through BCA branch office or HALO BCA. To deal with such complaint, BCA has the right to request Account Holder to provide BCA with a copy of Account Holder’s identity card and other supporting documents.
    2. BCA will respond to such complaint in accordance with the applicable law.
    3. Any complaint about the Current account must be lodged by Account Holder with BCA within no later than 3 (three) months of the transaction date.

Account Holder hereby declares that Account Holder has fully understood and accepted these Terms and Conditions for BCA Current Account Holders as described above and BCA has provided sufficient explanation and asked for Account Holder’s confirmation on such explanation on the benefits, fees and risks related to BCA Current account.

These Terms and Conditions for Current Account Holders of PT Bank Central Asia Tbk. (“BCA”) have been adjusted to the prevailing laws and regulations including Regulations of the Financial Services Authority (OJK)

Get the service

BCA branch office
Find nearby BCA branch office to get the service or product directly
More Info
img logo

Get Current Account at nearby BCA branch office