Back to Tahapan Berjangka

Tahapan Berjangka SiMuda

Savings account plus investment instrument

Why Tahapan Berjangka SiMuda?

Exclusive

Monthly deposit in autodebit from TabunganKu as the source fund account

Time Period

Select the deposit term from 1 to 20 years

Flexible

Monthly deposit starts from IDR100,000 wih multiple of IDR50,000

Tahapan Berjangka SIMUDA

About Important Information Fees, Limits & Interest Rates Terms and Conditions Get the Product

Tahapan Berjangka SiMuda

Individual savings with regular deposits in a certain amount and time for the youth aged aged 18 to 30 years old.

Benefits


Convenient
Can have more than one Tahapan Berjangka SiMuda account linked to 1 source fund account
Life Insurance
Life insurance for guaranteed convenience
Rupiah Currency
Savings in Rupiah currency
Free Admin Fee
There is no administrative fee every month.
Free Deposit
Free to add funds at any time outside the monthly deposit.

Important Information

  • Interest rate fluctuations can occur following market developments
  • One time debit is counted as one time debit transaction in TabunganKu account
  • If funds are not available by the specified debit date, debiting process will be made at the end of the current month
  • If debiting fails for 3 consecutive months, the Tahapan Berjangka account will be closed automatically and the funds in it will be transferred to the source fund account
  • The customer cannot do the withdrawal or close the account before the saving period ends. If a fund withdrawal is made or an account is closed before the agreed date, the customer will be charged an account closing before maturity fee
  • Tahapan Berjangka Life Insurance is an insurance product of PT Asuransi Jiwa BCA and is not a product and responsibility of BCA and is not included in the coverage of the guarantee program as referred to in the laws and regulations regarding deposit insurance institutions
  • The use of the BCA logo and/or attributes in marketing documents is only intended to show a collaboration between BCA and PT Asuransi Jiwa BCA

Requirements


  • Indonesian citizens with a minimum age 18 years and maximum 30 years
  • Have TabunganKu account
  • Agree to the Terms and Conditions of Opening account and Life Insurance Products
  • Not allowed to open a joint account

Interest Rates


Interest Rate per Year

Monthly Deposit (IDR)

Time Period (Year)

≥1 - <3

≥3 - <5

≥5 - <10

≥10

< 500,000

0.40% 0.40% 0.40% 0.40%

≥ 500,000 - < 1,000,000

0.90%

1.10%

1.40%

1.60%

≥ 1,000,000 1.10% 1.40% 1.60% 1.60%
Effective : February 1st 2024

Fees and Limits Tahapan Berjangka SiMuda


To accommodate its customer’s needs, BCA provides competitive limits and fees for each product and service. View the limits and fees for Tahapan Berjangka SiMuda below.

Description

Fee

Deposit transaction at counter

Free

Monthly administration

Free

Debit failure

Free

Insurance premium

Free

Print/account mutation at branch

Free

Account closing when maturity

Free

Account closing before maturity *)

1% of final Tahapan Berjangka balance


Terms:
- Minimum of IDR50.000, or
- Maximum equal to paid accumulated interest, whichever is the larger amount.
*) Account closure to death of account holder will result in automatic account closure, free of charge. Insurance benefits and funds associated with the Tahapan Berjangka account will be returned to primary source account.

Insurance benefits is the sum of insurance payment equal to the amount of Tahapan Berjangka SiMuda monthly deposit that has yet to be deposited:

Savings Period

Died due to

Sum Assured

≤ 1 Year

Illness

-

Accident

1 x Sum Assured, Max IDR750 million/cust.

> 1 Year

Illness

1 x Sum Assured, Max IDR750 million/cust.

Accident

2 x Sum Assured, Max IDR1.5 billion/cust

notes :
If the customer has one or more Tahaka accounts, the total Sum Assured that will be paid by BCA Life is up to IDR750 million for sickness and up to IDR1.5 billion for accidents

TERMS AND CONDITIONS FOR TAHAPAN BERJANGKA SIMPANAN MAHASISWA DAN PEMUDA
PT BANK CENTRAL ASIA Tbk (“BCA”)

A. DEFINITIONS

  1. Tahapan Berjangka Simpanan Mahasiswa dan Pemuda (“Tahapan Berjangka SiMuda”) means a savings account for individual customers into which the customer must deposit a fixed amount on a monthly basis for a specified period on the scheduled auto debit date selected by the customer.
  2. Source Account means an account from which periodic auto debit payment is made each month into Tahapan Berjangka SiMuda. The Source Account may take the forms of TabunganKu and or any other account to be later determined by BCA. The owner of the Source Account must be the same as the owner of the Tahapan Berjangka SiMuda account.
  3. Monthly Routine Deposit means a periodic deposit payment in a fixed amount that must be made by the customer each month for a certain period on the scheduled auto debit date selected by the customer.
  4. Maturity Date means the date on which the life period of the Tahapan Berjangka SiMuda account terminates in accordance with the life period determined by the Customer.

B. TERMS AND CONDITIONS FOR TAHAPAN BERJANGKA SIMUDA

  1. Tahapan Berjangka SiMuda account is intended for individual customers that own a Source Account.
  2. A depositor must be an individual of Indonesian nationality who owns an identity card in accordance with the applicable terms, with a minimum age of 18 years and a maximum age of 30 years (hereinafter referred to as the "Depositor").
  3. The Tahapan Berjangka SiMuda account can not be opened in the form of a joint account with the status of "AND" nor "OR".
  4. At the time the Depositor first opens a Tahapan Berjangka SiMuda account, the Depositor is required to determine the life period of the Tahapan Berjangka SiMuda account, which is a minimum 12 (twelve) months, and a maximum of 240 (two hundred forty) months, or until the Depositor attains the age of 50 years (whichever is earlier).
  5. The amount of Monthly Routine Deposit and the life period of the Tahapan Berjangka SiMuda account can not be changed.
  6. The opening of the Tahapan Berjangka SiMuda account can be done at the counter or by any other means as may be determined by BCA.
  7. Any change to the Tahapan Berjangka SiMuda account data other than the amount of Monthly Routine Deposit and the life period of the Tahapan Berjangka SiMuda account can be made at the counter or by any other means as may be determined by BCA.
  8. Upon opening the Tahapan Berjangka SiMuda account, the Depositor will obtain life insurance benefits as further regulated in the insurance certificate issued by the insurance company in cooperation with BCA. 
  9. For the implementation of fund transfer transactions (including registration of destination accounts for the purpose of fund transfer transactions) through facilities provided by BCA, other banks, or non-bank institutions, the Depositor hereby authorizes BCA to:
    1. display the name and/or account number of the Depositor on the BCA facilities used to conduct fund transfer transactions;
    2. provide data on the name and/or account number of the Depositor to other banks, non-bank institutions, and other parties cooperating with other banks or non-bank institutions to be displayed on the facilities used for fund transfer transactions.
    The display of such name and/or account number is conducted as a means of confirmation to customers who conduct fund transfers to minimize the possibility of wrong transfers.
  10. The Depositor must not make any funds withdrawal prior to the Maturity Date. If the Depositor intends to withdraw his/her funds prior to the Maturity Date, the Depositor is required to close the Tahapan Berjangka SiMuda account and the Depositor will incur an account closing fee in accordance with the provisions applicable at BCA.
  11. BCA reserves the right to block the Depositor’s account, refuse any transaction involving the Depositor’s account, and/or terminate the business relationship with the Depositor if:
    1. The Depositor fails to comply with the prevailing law;
    2. The Depositor fails to provide any information and supporting documents required under the prevailing law;
    3. The Depositor is known to have used and/or reasonably suspected of using false documents and/or providing incorrect data to BCA;
    4. The Depositor provides questionable information; and/or
    5. the Depositor’s source of transaction funds is known to emanate from and/or reasonably suspected of emanating from a crime.
  12. The Depositor can request the Tahapan Berjangka SiMuda account data at a BCA branch office or access e-statement Tahapan Berjangka SiMuda account through KlikBCA Individu (if the Depositor has an account at BCA that is linked to KlikBCA Individual) or by any other means as may be determined by BCA.
  13. The Tahapan Berjangka SiMuda account will be automatically closed:
    1. On the Maturity Date; or
    2. In the event that the auto debit for the Monthly Routine Deposit fails for 3 (three) consecutive months.

In connection with the closing of the Tahapan Berjangka SiMuda account, the funds in the Tahapan Berjangka SiMuda account will be credited to the Source Account.

  1. Closure of the Tahapan Berjangka SiMuda account before the Maturity Date will attract a closing account fee.
  2. The Depositor must notify BCA in writing of any changes to the Depositor’s data.
  3. In the event of the Depositor’s death, BCA may request any documentation of heirship as required by BCA to allow BCA to liquidate the amounts in the Tahapan Berjangka SiMuda account and pay the same to the beneficiaries specified in the documentation of heirship. Upon the liquidation of the amounts in the Tahapan Berjangka SiMuda account of the deceased Depositor and payment of the same to the lawful beneficiaries or proxies under the documentation of heirship, BCA is discharged from any liability in connection with the Depositor’s Tahapan Berjangka SiMuda Account.
  4. To the extent that the Depositor still has certain obligations to BCA under a loan, L/C, bank guarantee or any guarantee provided by the Depositor (borgtocht), interest, facility fee (provisi), fee for Chequebooks/Bilyet Giro books, stamp duty, draft, letter of acceptance or other commercial papers signed by the Depositor as an acceptor, endorser, or drawer, guarantor or as a result of the use of credit cards or any fees or obligations arising from any circumstances whatsoever, BCA shall be entitled, and to the extent necessary is hereby authorized by the Depositor, to debit the Depositor’s account and apply the proceeds to repay any amounts at any time due to BCA. Any consequences arising from the debiting of the Tahapan Berjangka SiMuda account under the power of attorney granted by the Depositor shall be the sole responsibility of the Depositor.
  5. BCA has the right to make correction to the balance of the Depositor’s account in the event of any posting error by BCA.
  6. The Depositor may close the Tahapan Berjangka SiMuda account at a BCA branch office by presenting his/her original and valid identity card and other supporting documents (if any) in accordance with the provisions applicable at BCA.
  7. The data on the Tahapan Berjangka SiMuda Account will be held and stored by BCA in accordance with the prevailing law.
  8. The Tahapan Berjangka SiMuda account is not included in the BCA lucky draw program.
  9. The Tahapan Berjangka SiMuda account can not be used for auto debit facilities.
  10. Deposits can be made into the Tahapan Berjangka SiMuda account at any time, but no withdrawal may be made prior to the Maturity Date. Any deposit into the Tahapan Berjangka SiMuda account other than the Monthly Routine Deposit shall not affect the amount of Monthly Routine Deposit to be made and shall not change the tiered interest rate applicable for the Tahapan Berjangka SiMuda account.
  11. In connection with the opening of Tahapan Berjangka SiMuda account and the provision of life insurance benefits to the Depositor, the Depositor hereby authorizes BCA to provide the data of Depositor and data related to the Depositor’s Tahapan Berjangka SiMuda account to the insurance company which, in cooperation with BCA, provides life insurance benefits to the Depositor and to competent authorities in accordance with the applicable laws. The authorization shall not terminate for whatever reasons, including those referred to in Articles 1813, 1814, and 1816 of the Indonesian Civil Code.
  12. 25. The Depositor’s funds at BCA are guaranteed by the Indonesia Deposit Insurance Corporation (Lembaga Penjamin Simpanan, LPS), subject to the maximum amount of deposit guaranteed by the LPS. The LPS does not guarantee any deposit with interest at the rate exceeding the interest rate stipulated by the LPS.
  13. By opening the Tahapan Berjangka SiMuda account, the Depositor is bound by and agrees to these Terms and Conditions for Tahapan Berjangka Simpanan Mahasiswa dan Pemuda PT Bank Central Asia Tbk (“BCA”). BCA may at any time amend any terms and conditions for the Tahapan Berjangka SiMuda account, and such amendment shall be notified by BCA in any form and by any means in accordance with the prevailing law.

C. DEPOSIT AND WITHDRAWAL OF FUNDS

  1. The minimum amount of Monthly Routine Deposit for the Tahapan Berjangka SiMuda is Rp 100,000 (one hundred thousand rupiah), and if more than that the Monthly Routine Deposit shall be made in multiples of Rp 50,000 (fifty thousand rupiah).
  2. The Monthly Routine Deposit shall be made by means of auto debit from the Source Account, subject to the following provisions:
    1. The first Monthly Routine Deposit auto debit shall be made on the day when the Tahapan Berjangka SiMuda account is opened.
    2. The subsequent auto debit for the Monthly Routine Deposit shall be made on a date selected by the Depositor.
    3. The auto debit date can be selected on any day of the month until the 30th of each month.
    4. If the auto debit date selected by the Depositor is the 29th or 30th, then for February, the auto debit shall be made on the last calendar day of February.
    5. In the event of any failure in making the auto debit, the auto debit process shall be made again at the end of the relevant month.
  3. Any deposit other than the Monthly Routine Deposit can be made at any time at the counter during BCA business hours or through the Cash Deposit Machine, or through other channels.

D. CALCULATION AND PAYMENT OF INTEREST

  1. The Tahapan Berjangka SiMuda account pays interest with a tiered rate plan according to the amount of Monthly Routine Deposit, and the interest is subject to tax in accordance with the prevailing law. The tiered interest rates are not fixed. It may change according to market fluctuations and the change will be notified by BCA to the Depositor in any form and by any means in accordance with the prevailing law.
  2. Interest shall be paid at the end of the relevant month and shall be directly credited or added to the balance of the Depositor’s account as evident in BCA’s books and records.
  3. Any interest income shall be subject to tax in accordance with the prevailing tax law and the tax shall be borne by the Depositor.

E. COMPLAINTS HANDLING

  1. Any complaints to BCA in connection with the Tahapan Berjangka SiMuda account may be lodged by the Depositor to any BCA branch office or to Halo BCA. For the purpose of handling the complaint, BCA may ask the Depositor to provide BCA with a copy of the Depositor’s identity card and other supporting documents.
  2. BCA shall respond to such complaint in accordance with the prevailing law.
  3. Any complaints relating to the Tahapan Berjangka SiMuda account must be lodged by the Depositor to BCA within no later than 3 (three) months of the transaction date.

F. DISPUTES RESOLUTION

  1. The Depositor agrees that any disputes or disagreements arising from and/or relating to the implementation of these Terms and Conditions for Tahapan Berjangka Simpanan Mahasiswa dan Pemuda of PT Bank Central Asia Tbk (“BCA”) will be resolved by deliberation.
  2. Any disputes or disagreements that cannot be resolved by deliberation by the Depositor and BCA, will be resolved through banking facilitation (fasilitasi perbankan) at Bank Indonesia or the Financial Services Authority or mediation through Alternative Dispute Resolution Agencies listed in the List of Alternative Dispute Resolution Agencies issued by the Financial Services Authority.
  3. Any disputes or disagreements that cannot be resolved by deliberation, banking facilitation, and/or mediation as referred to in point 2 above, will be resolved through Central Jakarta District Court, without prejudice to BCA’s right to file claims or demands through other District Courts within the territory of the Republic Indonesia.

G. LANGUAGE

These Terms and Conditions for Tahapan Berjangka Simpanan Mahasiswa dan Pemuda PT Bank Central Asia Tbk (“BCA”) are made and signed in two (2) versions of languages, namely Indonesian and English. In the event that there is a discrepancy in interpretation between the versions of Indonesian and English, then the version of Indonesian language shall prevail.

The Depositor hereby confirms that the Depositor has fully understood and agrees to these Terms and Conditions for Tahapan Berjangka Simpanan Mahasiswa dan Pemuda PT Bank Central Asia Tbk ("BCA") as described above and that BCA has provided explanations and asked for confirmation of the Depositor’s understanding of the benefits, fees, risks as well as rights and obligations associated with the Tahapan Berjangka SiMuda account.

 

These Terms and Conditions for Tahapan Berjangka Simpanan Mahasiswa dan Pemuda PT Bank Central Asia Tbk ("BCA") have been adjusted in compliance with the prevailing laws and regulations including Regulations of the Financial Services Authority

Get the Product

Branch Network
Get this product through BCA Branches Office, and BCA Express.
More details