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12 Feb 2024 | Edukatips

How to Open and Disburse e-Deposit via KlikBCA Bisnis

Many people use KlikBCA Bisnis to conduct daily business transactions. However, this service can now also be used to open an e-Deposit account to secure business capital. Opening an e-Deposit account through KlikBCA Bisnis is fairly easy and fast.

Besides opening an e-Deposit account, you can also withdraw e-Deposit funds through KlikBCA Bisnis. All of which can be done using a desktop or mobile phone. You can use e-Deposito BCA to deposit your business capital in a safer and more practical way without having to go to a branch.

Benefits of Opening e-Deposito via KlikBCA Bisnis

For businesses, deposits are a great choice of banking products that can serve many purposes. Using e-Deposits, customers can now open deposits from anywhere on the internet, through internet banking services that provide e-Deposit account opening features, namely KlikBCA Bisnis.

Here are some of the benefits of opening an e-Deposit account via KlikBCA Bisnis:

1. Saving Business Capital

Capital is the most important asset in a business, so it’s best to keep it safe. One way to store business capital funds is through a deposit account. Deposit is a time deposit product that can be used to store funds whose usage is not planned in the near future. e-Deposit is a form of deposit that can be opened through BCA’s e-Channel.

2. Growing Capital

BCA offers competitive interest rates for e-Deposit. This allows your business funds to grow if deposited for a long period of time. In addition, the e-Deposit maturity period also be adjusted to your needs, ranging from 1 to 12 months.

Another e-Deposit fund development strategy is to increase it over time. After maturity, e-Deposits can be rolled over with a larger amount.

3. Affordable Minimum Placement Amount

The minimum fund placement in BCA’s e-Deposit starts from Rp8,000,000. With this affordable minimum placement, you can definitely consider e-Deposit as an option for fund development.

4. Tailored to Your Needs

Businesses typically operate on short, medium, and long-term plans. Therefore, you need to allocate capital for all the plans you’re going to carry out. BCA’s e-Deposit account is the right choice to help these plans. You can open more than one e-Deposit account through KlikBCA Bisnis and each account can have different maturity periods. This makes it easier to manage your business capital.

5. Serves as An Emergency Fund

In business, an emergency fund should be set up to protect you in times of crisis. An e-Deposit account is a reliable option as this type of account can be disbursed when needed. Disbursement of e-Deposits via KlikBCA Bisnis can also be done every day from 07.00-20.30 WIB through an easy process.

How to Open e-Deposit via KlikBCA Bisnis

If you don’t have KlikBCA Bisnis, you can first visit the nearest BCA Branch to get the service. After that, you can enjoy various features and services of KlikBCA Bisnis, including opening an e-Deposit account.

Here are the steps:

How to Input e-Deposit Placement

  1. Maker logs in to KlikBCA Bisnis
  2. Maker makes placement through the e-Deposit menu
  3. Read the Summary of Personal e-Deposit Product and Service Information, then click on “Lanjut”
  4. Select Fund Source Account, input the initial placement balance, then click on “Simulasi”
  5. Choose the Deposit term and type (ARO or ARO+), then click on “Lanjut”
  6. Read the terms and conditions of e-Deposit, click on “Kembali”, then click on “Kirim”
  7. Transaction proceeds to be authorized by the Approver

How to Approve Authorization from Approver for e-Deposit Placement

  1. Approver logs in to KlikBCA Bisnis
  2. Click on Transaction Authorization, then select “Penempatan” to view the e-Deposit data that has been submitted
  3. Read the Summary of Personal e-Deposit Product and Service Information, then click on “Lanjut”
  4. Select the e-Deposit placement that will be authorized in the “Transaksi Approver” table, then click on “Setuju”
  5. Re-check the e-Deposit details, read the “Terms and Conditions of e-Deposit”, click on “Kembali”, then click on “Setuju”
  6. Transaction is successfully authorized by the Approver and can proceed to be authorized by the Releaser
  7. The transaction can proceed to be authorized by the Releaser

How to Approve Authorization from Releaser for e-Deposit Placement

  1. Releaser logs in to KlikBCA Bisnis
  2. Click on the “Otorisasi Transaksi” menu, then click on “Penempatan”
  3. Agree to the Summary of Personal e-Deposit Product and Service Information, then click on “Lanjut”
  4. Select the e-Deposit placement that will be authorized in the “Transaksi yang belum diotorisasi,” then click on “Setuju”
  5. Re-check the e-Deposit details before clicking “Setuju”
  6. Read and agree to the “Terms and Conditions of e-Deposit” before proceeding
  7. Input the number in red on KeyBCA Appli 2, then enter the number that appears on KeyBCA in the field provided, and click on “Kirim”
  8. The e-Deposit placement is successful
  9. The successful e-Deposit placement is available to check on the Transaction and Email Status menu

How to Disburse e-Deposit Funds via KlikBCA Bisnis

There may come a time when you urgently need the funds in your e-Deposit account. Fund disbursement can be done from KlikBCA Bisnis where the fund will be directly transferred to the e-Deposit fund source account. However, if you make e-Deposit disbursement before it reaches maturity (“Pencairan Segera”), the accrued interest will not be paid.

Here are the steps:

How to Input e-Deposit Fund Disbursement

  1. Select e-Deposit menu, then choose “Lihat / Pencairan”
  2. Select the e-Deposit you wish to withdraw, then re-check the details before clicking “Cairkan”
  3. Choose the Type of Disbursement: Immediately or At Maturity
  4. Re-check the details before clicking “Kirim”
  5. The e-Deposit disbursement is successfully submitted
  6. Transactions can proceed to be authorized by the Approver

How to Approve Authorization from Approver for e-Deposit Fund Disbursement

  1. Approver logs in to KlikBCA Bisnis
  2. Click on the “Otorisasi Transaksi” menu, then select “Pencairan” to view the e-Deposit data that has been submitted
  3. Select the e-Deposit disbursement, which will be authorized in the “Transaksi Approver”table, then click “Setuju”
  4. Re-check the e-Deposit details that you wish to disburse before selecting “Setuju”
  5. The transaction is successfully authorized by the Approver and can proceed to be authorized by the Releaser
  6. Transaction can proceed to be authorized by the Releaser

How to Approve Authorization from Releaser for e-Deposit Fund Disbursement

  1. Releaser logs in to KlikBCA Bisnis
  2. Click on the “Otorisasi Transaksi” menu, then select “Pencairan”
  3. Select the e-Deposit disbursement to be authorized in the “Transaksi yang belum diotorisasi” table, then select “Setuju”
  4. Re-check the e-Deposit disbursement details before selecting “Setuju”
  5. Input the number in red on KeyBCA Appli 2, then enter the number that appears on KeyBCA in the field provided, and click on “Kirim”
  6. The e-Deposit Disbursement is successful
  7. The successful e-Deposit disbursement is available to check on Transaction and Email Status menu

That concludes the steps to place and disburse e-Deposit funds via KlikBCA Bisnis. In addition, deposit accounts placed through KlikBCA Bisnis can also be disbursed via myBCA, and vice versa. For more information on e-Deposits, check here.

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