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Investment

Simplify the securities transaction process

Why open RDN at BCA?

Ease of Account Opening

You can open an account through the Security Company’s websites or apps (no need to go to the Branch Office)

Ease of Fund Deposit

Fund deposits can be made quickly and securely through BCA e-channels (KlikBCA Individu, KlikBCA Bisnis, myBCA and BCA mobile), ATMs, and over the counter.

Ease of Balance Information and Bank Statement

You can get balance information and bank statement through KlikBCA Individu, KlikBCA Bisnis, myBCA, and BCA mobile.

E-Statement

Bank statement will be sent each month

Costumer Fund Account

About Term & Conditions Important Information Fees, Limits & Interest Rates

Rekening Dana Nasabah

Account intended for individual and corporate customers for settlement of transactions in the Capital Market. Account opening is conducted through a Securities Company that has collaborated with BCA to Open a Rekening Dana Nasabah

Benefit


No Fees
Free of monthly administration fees and account closing fees
Checking Account
Monthly e-Statement is sent regularly via e-mail
e-Channel Facility
Check BCA's RDN balance and mutation information on myBCA, KlikBCA Individu, KlikBCA Bisnis, and BCA mobile. Information on securities balance and consolidated RDN balance is available on KlikBCA Individu.

ADDITIONAL TERMS FOR HOLDER OF CUSTOMER FUND ACCOUNT OF PT BANK CENTRAL ASIA TBK ("BCA")("BCA")

  1. The Customer Fund Account cannot be opened with a joint account status.
  2. The Customer Fund Account opened in the form of a current account will not be provided with any cheque/Bilyet Giro nor other identification in any form. For Customer Fund Account in the form of a savings account, BCA will not issue or provide any proof of ownership for the holder of the Customer Fund Account including the passbook or PASPOR BCA Card.
  3. All transactions under the Customer Fund Account can only be conducted:
    1. through KlikBCA and/or other means as determined by BCA; and
    2. by Securities Company or Custodian Bank which has been vested with the authority by the holder of the Customer Fund Account to manage the Customer Fund Account.
    The transaction of crediting funds to the Customer Fund Account through BCA can be conducted through KlikBCA, over the counter, and/or through any other means as may be determined by BCA which will be notified by BCA to the holder of the Customer Fund Account in any form and by any means whatsoever.

  4. Any inquiry and request for the balance and transaction history (mutasi) of the Customer Fund Account can only be made by the holder of the Customer Fund Account through the means as provided by PT Kustodian Sentral Efek Indonesia and/or through other means as may be determined by BCA which will be notified by BCA to the holder of the Customer Fund Account in any form and by any means whatsoever.
  5. BCA reserves the right to refuse any instructions given by the holder of the Customer Fund Account as long as BCA has not received from the holder of the Customer Fund Account the revocation of the power to manage the Customer Fund Account that has been approved in writing by Securities Company or Custodian Bank.
  6. The Customer Fund Account can only be closed:
    1. by the holder of the Customer Fund Account with the written consent of Securities Company or Custodian Bank; or
    2. by Securities Company or Custodian Bank that has been authorized by the holder of the Customer Fund Account to manage such Customer Fund Account.
    The closure of the Customer Fund Account must be carried out through Securities Company or Custodian Bank that has been authorized by the holder of the Customer Fund Account to manage such Customer Fund Account.

  1. BCA at its sole discretion has the right to refuse the opening and/or close the Customer Fund Account.
  2. The holder of the Customer Fund Account is fully responsible for any consequences arising from the management of the Customer Fund Account by Securities Company or Custodian Bank and hereby holds harmless BCA against all kinds of claims, lawsuits, demands, and/or other legal actions of any kind from any party including from the holder of the Customer Fund Account.
  3. Any disputes arising in connection with the management of the Customer Fund Account by Securities Company or Custodian Bank will be settled by the holder of the Customer Fund Account and Securities Company or Custodian Bank without involving BCA.
  4. This instrument containing the Additional Terms For Holder of Customer Fund Account of BCA constitutes an integral and inseparable part of:
    1. The Terms and Conditions for Holder of Current Account of PT Bank Central Asia Tbk (BCA)
    2. The Terms and Conditions of Tabungan Prestasi ("TAPRES") PT Bank Central Asia Tbk (BCA)
    3. The Terms and Conditions of BCA Dollar Account PT Bank Central Asia Tbk (CA) and or any other provisions as may be applicable to the Customer Fund Account.
  5. BCA has given explanation and asked for confirmation from Customer about the explanation of benefits, fees, and risks related to BCA products above.

  1. In the event of any difference and or inconsistency between the Additional Terms For Holder of Customer Fund Account of BCA and the provisions as mentioned in point 10 above, then the Additional Terms For Holder of Customer Fund Account of BCA will apply.
  2. The holder of the Customer Fund Account hereby states that it agrees to be bound by the Additional Terms For Holder of Customer Fund Account of BCA, the provisions as set out in point 10 above, provisions concerning Customer Fund Account e-Statement, and other provisions stipulated by BCA in connection with the opening of the Customer Fund Account. BCA may modify such provisions which will be notified by BCA in any form and by any means whatsoever in accordance with the prevailing laws and regulations.

The holder of the Customer Fund Account hereby declares that it has read, understood, and agreed to the contents of the Additional Terms for Holder of Customer Fund Account of BCA as described above.

These additional Terms and Conditions for Rekening Dana Nasabah of PT BANK CENTRAL ASIA Tbk (“BCA”) have been adjusted to ensure compliance with the prevailing laws and regulations including Regulations of the Financial Services Authority

Important Information


Term and Procedure

  • Account opening is intended for individual customers (Indonesian and foreigners) and corporations / business entities *
  • Fill out and approve the Application Form for opening a Customer Fund Account
  • For corporate/business entity customers, if the management of the corporation/business entity does not have a BCA account, the management is required to fill out the Individual Customer Data Form.
  • If the account opening is done by proxy, the proxy customer needs to include a Power of Attorney from the authorized party to open the account.
  • Stamp duty is charged for certain documents when opening a current account.
  • Attach the required documents:

Customer type

Required Documents: :

  • Identity card ((electronic Resident ID Card (e-KTP) for Indonesian citizens/Passport for foreign citizens)
  • Tax ID Number /NPWP (Optional)**
  • Stay Permit (Limited Stay Permit (KITAS) /Permanent Stay Permit (KITAP)), for foreigner customers only
  • Business Location License (SITU), for Indonesian citizens domiciled in Indonesia and doing business/acting in another’s name (b.d.n)
  • Other documents (only for foreign citizens not domiciled in Indonesia) as may be required under the AML CTF Guidelines and the prevailing laws.
  • Articles of Association & Deed of Establishment that have been legalized or a Certificate (cover note) from a notary that has not been legalized.
  • Deed of Amendment (if any)
  • Tax ID Number for Non-Individual Entity
  • Business License
  • Company Registration Certificate (TDP)/Business Identification Number (NIB)
  • Identity Card and Tax ID Number (NPWP) of all members of the Company’s Boards
  • Identity Card and Tax ID Number (NPWP) of all Shareholders ***
  • Articles of Association & Deed of Establishment that have been legalized or a Certificate (cover note) from a notary that has not been legalized.
  • Deed of Establishment (if any)
  • Tax ID Number for Non-Individual Entity
  • Business License
  • Company Registration Certificate (TDP)/Business Identification Number (NIB)
  • Identity Card and Tax ID Number (NPWP) of all members of the Company’s Boards
  • Other permits and license ***
  • Identity Card and Tax ID Number (NPWP) of all members of the Cooperative’s Boards Agency NPWP
  • Tax ID Number for Non-Individual Entity
  • Articles of Association & Deed of Establishment that have been legalized or a Certificate (cover note) from a notary that has not been legalized
  • Deed containing the composition of the current management of the partnership that has been registered with the District Court or the Minister of Law and Human Rights
  • Business Identification Number (NIB)
  • Other permits and license ***
  • Identity Card and Tax ID Number (NPWP) of all members of the company’s boards Deed of Amendment (if any)
  • Tax ID Number for Non-Individual Entity
  • Documents to be authenticated by the local Notary Public and registered with the Indonesian Embassy:
    • Deed of Establishment dan Articles of Association
    • Resolution of Board of Director atau Power of Attorney
  • Current composition of the company’s boards
  • Business Identification Number (NIB)
  • Other permits and licenses *** required of a representative office of a foreign company in Indonesia
  • Identity Card and Tax ID Number (NPWP) of all members of the Foundation’s Boards
  • Deed of Amendment (if any)
  • Tax ID Number for Non-Individual Entity
  • Business License
  • Company Registration Certificate (TDP)/ Business Identification Number (NIB)
  • Identity Card and Tax ID Number (NPWP) of all members of the Foundation’s Boards
  • Other permits and licenses ***
  • Identity Card and Tax ID Number (NPWP) of all members of the company’s boards
  • Tax ID Number for Non-Individual Entity
  • Regional Regulation/Regulation of the Head of a Government Agency/Decision of the Head of a Government Agency on the formation/establishment of State-Owned Public Service Company/Regional Government-Owned Public Service Company
  • Composition of the management boards/ letter of appointment/ letter of assignment from the Head of a Government Agency to the official appointed to open a bank account
  • Business Identification Number (NIB)
  • Other permits and licenses ***
  • Identity Card and Tax ID Number (NPWP) of all members of the management boards
  • Tax ID Number for Non-Individual Entity
  • Deed of Establishment
  • Articles of Association/Bylaws
  • Proof of validation from the Ministry of Law and Human Rights (if a legal person)
  • Current composition of the management boards
  • Operational license from the competent authority (only for those conducting business and earning profit or raising funds from the public)
  • Registration Certificate from the competent authority (only for a social association established in DKI Jakarta)
  • Identity Card and Tax ID Number (NPWP) of all members of the management boards
  • Tax ID Number for Non-Individual Entity
  • Deed of Establishment
  • Articles of Association/Bylaws
  • Proof of validation from the Ministry of Law and Human Rights
  • Current composition of the management boards
  • Identity Card and Tax ID Number (NPWP) of all members of the management boards Agency NPWP
  • Tax ID Number for Non-Individual Entity
  • Deed of Establishment
  • Articles of Association/Bylaws
  • Proof of registration of the Religious Institution from the Directorate General for Community Guidance under the Ministry of Religious Affairs
  • Current composition of the management boards and the letter of appointment/ratification of the incumbent members of the management boards
  • Identity Card and Tax ID Number (NPWP) of all members of the Management
  • Tax ID Number of the Ministry/State Agency
  • Articles of Association/Bylaws
  • Deed of Amendment (if any)
  • Approval Letter containing the register number and approval for account opening signed by the Director General of Treasury/State Treasury Service Office (KPPN)
  • Decision letter regarding the establishment of the Ministry/Ministerial Agency or Work Unit
  • Decision letter regarding the appointment of the head of the Ministry/Ministerial Agency or Work Unit
  • Power of Attorney signed by the official authorized to represent the owner of the Ministry’s Account to the Director General of Treasury/ KPPN
  • Identity Card and Tax ID Number (NPWP) of all members of the Management
  • Tax ID Number for Non-Individual Entity
  • Regulation of the Head of the Government Agency or Decision Letter of the Head of the Government Agency regarding the formation/establishment of the relevant agency
  • Composition of the management/ letter of appointment/ letter of appointment from the Head of the Government Agency to the official designated to open an account

Notes:

*Specifically for opening RDN online through a web browser, the following conditions apply:

Customer Criteria · Customer already has an account with BCA
· Individual citizen
RDN Features · RDN Account Type: Tapres
· Currency : IDR

** TIN is required for Current account type.

*** Information on other licensing documents as follows.

  • Corporate customers with NIB documents issued before February 2, 2021, need to prepare an operational license from the authorized agency.
  • Corporate customers with NIB documents issued since February 2, 2021 and moderate to high risk levels, it is necessary to prepare other licensing documents that refer to the Risk-Based Business Licensing Documents of PP No. 5 of 2021.
  • Specifically for business entities engaged in finance, financing institutions, insurance, and such, they are required to provide business license documents from the authorized agency that oversees each business entity, such as the OJK, BI, BAPPEBTI.
  • Bank entity customers are required to provide an AML/CFT/WMD document along with other supporting documents following the applicable provisions at BCA.

Customers can ask questions and lodge complaints via the following:

Contact Us:

Halo BCA 1500888
Email: halobca@bca.co.id
WA: +628111500998
Website: www.bca.co.id

Social Media:

Facebook : GoodLife BCA
Instagram : @goodlifebca
Youtube : Solusi BCA
X (Twitter) : @BankBCA

Main Features of RDN

  • Opened on behalf of individual customers/non-Bank business entities/Bank business entities and authorized to Securities Company.
  • Account types are Tapres/Giro/BCA Dollar*
  • Currency types provided:
  • Tabungan Prestasi (Tapres) Giro BCA Dollar
    IDR IDR, USD USD, SGD
  • The account cannot be opened for joint account
  • There is no initial deposit required
  • There is no minimum balance requirement
  • There is no Bank Draft/ BCA Passport Card provided
  • There is no electronic banking provided
  • There is no retained balance
  • The account cannot be closed automatically
  • There is not subject to dormant status
  • Provided with competitive interest rates in accordance with applicable regulations. For details of interest rates please check www.bca.co.id.
  • The deposit interest rate that is eligible for the deposit insurance scheme follows the applicable interest rate set by the Indonesia Deposit Insurance Corporation (Lembaga Penjamin Simpanan or LPS), which can be viewed on the website of the LPS.
  • Priority service fees cannot be debited
  • There is no credit ceiling / overdraft facility provided
  • Monthly bank statement is sent to the Customer in the form of e-Statement

Benefits

  • Balance and transaction information can be accessed through BCA channels (KlikBCA Individual, KlikBCA Business, BCA Mobile, myBCA), Securities Company Application and KSEI AKSes web.
  • e-Statement sent to customer's email every month.

Risk

  • The Securities Company has the authorized to debit and credit funds from/to RDN
  • Customers cannot debit funds from RDN directly without going through the Securities Company.
  • The Customer’s deposits will not covered by the insurance scheme by the Indonesia Deposit Insurance
  • Corporation (LPS) if:
    • The total balance of all the deposits (including interest) owned by the Customer in one bank exceeds (an equivalent of) Rp2 billion for both individual accounts and joint accounts.
    • The interest rate obtained by the Customer exceeds the deposit insurance interest rate set by the LPS.
  • Fluctuations in savings / current account interest rates can occur following market developments.
  • Fluctuations in exchange rates can be in accordance with market conditions.

Additional Information

  • Fund deposits can be made faster and safely through BCA e-channels (KlikBCA Individual, KlikBCA Business, myBCA and BCA Mobile), ATMs, Non-cash ATMs, BCA counters and transfers from other banks (BI Fast, LLG, RTGS, Inward Remittance).
  • The savings interest will be credited to the Customer’s account at the end of the relevant month.
  • A decrease in the interest rate will result in a reduction in the interest amount received by the Customer.
  • Customers will receive giro services if they have a certain average balance, in accordance with BCA regulations.
  • Customers apply for RDN closure through Securities Company and are not charged an account closure fee.
  • The Bank reserves the right to change the benefits, costs, risks, and terms and conditions of these products and/or services which will be notified by BCA in any form and through any means in accordance with applicable regulations.
  • The customer may receive other product offers from other parties outside the Bank that cooperate with the Bank, if the customer gives approval to the Bank to provide customer data to other parties outside the Bank that cooperate with the Bank.
  • Customers can receive offers of the Bank's products and/or services and products and/or services of other parties cooperating with the Bank via personal communication means, if the customer gives consent to the Bank to receive offers of these products and/or services via personal communication means.
  • Other information regarding costs, benefits, and risks can be accessed through the official website www.bca.co.id.

This summary has been adjusted to align with the laws and regulations in force including regulations of the Financial Services Authority.

BCA is licensed and supervised by the Financial Services Authority.

BCA is a member of the LPS insurance scheme

Fees & Limit



Fees

  • Income tax withholding: 20% of the interest amount.
  • Free of administration fee and penalty fee
  • Free of account closing fee
  • The transfer fee charged to the Customer when there is an instruction to transfer funds from RDN to another bank through the Securities Company is as follows:
BI Fast LLG RTGS
IDR2,500  IDR2,900 IDR25,000

Notes:

The type of transaction service adjusts to the process carried out by the Securities Company.

Simulation 1):

Tapres Balance 2) Interest Rate per Annum According to Balance 3) Monthly Interest Rate4)
IDR20,000,000 0.02% IDR328.77
IDR100,000,000 0.09% IDR7,397.26
IDR600,000,000 0.12% IDR59,178.08
IDR1,010,000,000 0.70% IDR830,136.99

Last Update: April 1st, 2024

Current Account Balance Current Account Services per Year as per Balance 3) Nominal Monthly Current Account Services 4)
IDR1,500,000 0.50% -
IDR2,500,000 0.50% IDR1,027.4044)
USD10,000 0.25% USD4.114)

Last Update: April 1st, 2024

 BCA Dollar Balance 2) Interest Rate per Annum According to Balance 3) Monthly Interest Rate4)
USD10,000 0.08% USD0.66
USD150,000 0.50% USD98.63
SGD10,000 0.10% SGD0.82

Last Update: April 1st, 2024

Remarks:

1) This simulation is intended to provide the customer with an estimate calculation only and is not meant to give any recommendation.

2) Position of the monthly average balance of the RDN.

3) Interest rates may change at any time in line with market conditions and the change will be notified to the Customer via BCA’s information media.

4) Interest Amount=gross interest amount before tax withholding according to the applicable laws and regulations (Assumption: 1 month = 30 days and 1 year = 365 days).

5) Monthly current account services are earned when meeting the monthly average or daily minimum balance of certain Current Account accounts as determined by BCA.

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