Tahapan Gold

• Monthly Administration Fees and Penalties

Type of Card	Administration Fee	Penalty*
Mastercard
Paspor Blue	IDR15,000	IDR25,000
Paspor Gold	IDR17,000
Paspor Platinum	IDR20,000
GPN
Paspor Blue	IDR14,000	IDR25,000
Paspor Gold	IDR16,000
Paspor Platinum	IDR19,000

Note:
*Penalty fees will be imposed if the average balance does not reach the minimum monthly average balance.

• Interbank Transaction Fees in Each ATM Network

Type of Transaction	BCA ATM	Prima & GPN	Mastercard/Cirrus
Balance Inquiry	Free	IDR4,000	IDR5,000
Cash Withdrawal	Free	IDR7,500	IDR20,000
Transfer to Another Bank	Online: IDR6,500 BI-FAST: IDR2,500		-
Declined Transaction	Free	IDR3,500*	IDR5,000

Note:
*)Valid for all BCA channels

• Interbank Transfer Fees

Transfer via	Online	BI-FAST	LLG	RTGS
BCA Branch Office*	-	IDR2,500	IDR2,900	IDR30,000
m-BCA**	IDR6,500	IDR2,500	-	-
Internet Banking and myBCA	IDR6,500	IDR2,500	IDR2,900	IDR25,000

Note : For remittance cancellation, the Customer will be charged a fee of IDR10,000

Remarks:
*: Interbank remittances through BCA Branches are only available using BI-FAST, LLG, and RTGS.
**: Interbank remittances through m-BCA are only available using Online and BI-FAST.

• Card Issuance/Replacement Fee

Type of Card	Card Issuance/Replacement Fee
Paspor Blue	IDR20,000
Paspor Gold	IDR20,000
Paspor Platinum	IDR20,000

• Overseas Transaction Fees

Transactions with the Paspor BCA Mastercard can be made at overseas ATMs/EDCs that have the Mastercard/Cirrus logo

Overseas Transaction	Fees
Cash Withdrawal	IDR20,000
Balance Inquiry	IDR5,000
Decline Cash Withdrawal	IDR5,000
Decline Debit	IDR2,500

• SMS & Email Service Fees

Account Types	Service Fee Types
	SMS	E-Mail
Currennt Account Rupiah	IDR750	IDR0
Current Account Valas USD	USD0.05	USD0
Current Account Valas SGD	SGD0.05	SGD0
Tahapan	IDR750	IDR500
Tahapan Gold
Tapres
BCA Dollar USD	USD0.05
BCA Dollar SGD	SGD0.05

• Other Fees

Transaction	Fees
Cash Withdrawal via EDC BCA at merchant outlets	IDR4,000
Account closure	IDR50,000
Replacement of damaged/lost passbooks	IDR5,000
Large nominal cash withdrawal (≥ IDR 100,000,000) without confirmation to BCA Branch	IDR100,000

• Outward Remittance (OR) fees are available here.

• Setting the daily limit of transactions can be done through the application:
  • myBCA: on the My Account menu, click Account Control and then Set Limit
  • BCA mobile: on the "Akun Saya" menu, click "Atur Limit"
• The transaction limit for Tahapan Gold via KlikBCA Bisnis (KBB) is set by the customer and approved by BCA, in accordance with applicable regulations.
• Daily Transaction Limit (via ATM, EDC, and m-BCA)

Type of Transaction	Paspor Blue	Paspor Gold	Paspor Platinum
via BCA ATM
Cash Withdrawal 1)	IDR15,000,000	IDR15,000,000	IDR15,000,000
Cash Deposit 2)	IDR50,000,000	IDR80,000,000	IDR100,000,000
Transfer between BCA Accounts 3)	IDR100,000,000	IDR125,000,000	IDR150,000,000
Transfer between BCA Accounts (to a foreign currency account) 4) 8)	IDR100,000,000	IDR125,000,000	IDR150,000,000
Transfer to Another Bank 5)	IDR30,000,000	IDR40,000,000	IDR50,000,000
via EDC
Debit BCA 6)	IDR100,000,000	IDR125,000,000	IDR150,000,000
Debit Contactless without PIN 7)15)	Domestic: IDR1,000,000 Overseas: IDR10,000,000 (default limit IDR5,000,000)
Debit without PIN (Overseas) 7) 15)	IDR100,000,000 (default limit IDR50,000,000)	IDR125,000,000 (default limit IDR60,000,000)	IDR150,000,000 (default limit IDR70,000,000)
via m-BCA
Transfer between BCA Accounts 3)	IDR100,000,000	IDR125,000,000	IDR150,000,000
Transfer between BCA Accounts (to a foreign currency account) 4) 8)	IDR100,000,000	IDR125,000,000	IDR150,000,000
Transfer to Another Bank 5)	IDR30,000,000	IDR40,000,000	IDR50,000,000

Effective as of July 16, 2025

• Daily Transaction Limit (via myBCA and Internet Banking)

Type of Transaction	via myBCA	via Internet Banking
Transfer to Own BCA Account  9)	No limit	IDR500,000,000 12)
Transfer between BCA Accounts 10)	IDR300,000,000 11)
Transfer between BCA Accounts (to a foreign currency account)
Transfer to Another Bank (LLG and RTGS)
Transfer to Another Bank (BI-FAST)
Transfer to Another Bank (Online)
Cash Withdrawal Without a Card (Cardless) 13)	IDR15,000,000	Not Available
Cash Deposit Without a Card (Cardless) 14)	IDR100,000,000

Last Update : Januari 19, 2024

Remarks:

¹⁾ The limit for cash withdrawals using the Paspor BCA is a combined limit with the cardless cash withdrawal limit via m-BCA.
²⁾ The limit for cash deposits using the Paspor BCA is a combined limit with the cardless cash deposit limit via m-BCA.
³⁾ The limit for transfer between BCA Accounts via the BCA ATM is a combined limit with the limit for transfer between BCA Accounts via m-BCA.
⁴⁾ The limit for transfer between BCA Accounts (to a foreign currency account) via the BCA ATM is a combined limit with the limit for transfer between BCA Accounts (to a foreign currency account) via m-BCA.
⁵⁾ The limit for transfer to another bank via the BCA ATM is a combined limit with the limit for transfer to another bank (Online & BI-FAST) via m-BCA.
⁶⁾ The limit for payment with Debit BCA is a combined limit with the limit for cash withdrawal at a merchant and Flazz top-up via an EDC machine (separate from the limit for cash withdrawal via ATMs).
⁷⁾ Contactless Debit transactions without PIN and overseas Debit transactions without PIN are still calculated in the BCA Debit transaction limit according to the type of BCA Debit/ATM Card. Contactless Debit and overseas Debit transactions with PIN follow the BCA Debit transaction limit.
⁸⁾ This limit is separate from the limit for transfer in Rupiah.
⁹⁾ Applicable to transfers to all Own BCA Accounts (Rupiah/foreign currency accounts). Transfer transactions from a Rupiah source account to a foreign currency account shall be subject to the Information on Foreign Exchange Transaction Threshold, which can be viewed here
¹⁰⁾ Applicable to transfers between BCA accounts other than transfers to own account.
¹¹⁾ The combined limit for transfers between BCA accounts (other than transfers to own accounts) and transfers to another bank via myBCA is the maximum daily transaction limit per BCA ID. The complete information on myBCA transaction limits can be viewed here.
¹²⁾ The combined limit for transfer transactions via Internet Banking is the maximum daily transaction limit per user ID. The complete information on Internet Banking transaction limits can be viewed in here.
¹³⁾ The daily limit for cash withdrawals without a card (cardless) via myBCA mobile per BCA ID.
¹⁴⁾ The daily limit for cash deposits without a card (cardless) via myBCA mobile per BCA ID.
¹⁵⁾ The default limit applies only to Customers who have never set a transaction limit before. Customers can increase their limit up to the maximum amount through the Set Limit menu in myBCA, myBCA Web, and BCA mobile.

Last Update: March 1, 2025

Note:

This simulation is only meant to give the customer an estimate and does not serve as a recommendation.

Remark:

¹⁾ Position of the monthly average balance of the savings account.
²⁾ Interest rates are subject to change at any time according to market conditions and will be informed via BCA's information channels.
³⁾ The nominal interest rate is gross interest before tax deduction according to applicable provisions (assumption: 1 month = 30 days and 1 year = 365 days)

• Tahapan Gold accounts can be opened for Business Individuals and Organizations. For individual Customers, accounts can be opened as joint accounts with either “Or” or “And” type.
• An instruction given to the bank or a cash withdrawal from a joint account with the status of “Or” can be made by only one of the joint account holders. However, for a joint account with the status of "And”, such instruction or cash withdrawal must be made collectively by all the joint account holders.
• Customer representatives can perform cash withdrawals or fund transfers at BCA branch offices but must provide a stamped power of attorney from the customer, the customer's ID card, and the original ID of the representative.
• Interest on savings will be credited to the account at the end of each month.
• Customers can request that BCA not pay interest on their deposits in their Tahapan Gold accounts. In this case, customers will still earn interest on their average monthly balance for the current month in their Tahapan Gold accounts, calculated proportionally from the start of the month until one calendar day before the date their request to BCA not to pay interest is completed.
• Interest rates on savings accounts can vary with market conditions. If rates drop, customers will notice a decrease in the interest they earn.
• Customers can request to close their savings accounts at a branch by bringing their original valid ID card, Paspor BCA card, and any other supporting documents, if needed, according to applicable BCA regulations. A closing fee will be charged.
• If the customer's savings account balance is zero and there are no transactions for 12 consecutive months, the account will be closed automatically.
• In the event of the customer's death, BCA may ask for inheritance documents needed to disburse the remaining balance of the Tahapan Gold account to the heirs listed in the inheritance document. By disbursing the balance of the Tahapan Gold account to the heirs or authorized representatives according to the inheritance document, BCA is released from all responsibilities related to the customer's Tahapan Gold account.
• If the customer applies for m-BCA, KlikBCA, and/or other facilities related to opening a Tahapan Gold account, the customer hereby agrees that they are subject to the terms and conditions of m-BCA, KlikBCA, and/or other facilities associated with opening the Tahapan Gold account.
• BCA reserves the right to include Tahapan Gold accounts in the reward program conducted by BCA (if applicable) according to the terms and mechanisms set by BCA. Customers will be informed of this through any appropriate means in compliance with applicable legal provisions.
• BCA reserves the right to exclude the customer's Tahapan Gold account from the reward program conducted by BCA if the customer does not meet the criteria set by BCA for participation.
• BCA will store data related to Tahapan Gold accounts in accordance with applicable regulations.
• The Customer is not permitted to store or deposit the Customer's Tahapan Gold book at BCA.
• BCA shall inform all changes to the benefits, fees, risks, terms and conditions of this Product and/or Service through any means in accordance with applicable legal provisions.