Do you hold funds in a foreign currency but aren’t sure where to keep them? Don’t worry, BCA now offers a solution known as the No Certificate Foreign Currency Time Deposit.

Starting September 23, 2026, you can open a non certificate foreign currency time deposit, making the process much more convenient.

Not only that, but the money you deposit in a Certificate-Free Foreign Currency Time Deposit also earns attractive interest rates.

What Is a Foreign Currency Certificate of Deposit (CD) with Options and No Physical Certificate?

The Non-Certificate Foreign Currency Time Deposit is a foreign currency savings product that does not require a physical certificate, allowing deposits and withdrawals to be made at any BCA branch.

Previously, BCA also launched a certificate free rupiah time deposit product, making it easier for customers to open an account and withdraw funds without a certificate.

Now, you can also invest in foreign currency time deposits without the need for a certificate!

Simply put, you can now open a foreign currency time deposit at any BCA branch without a certificate, sparing you the hassle of bringing a physical one when withdrawing funds.

Similarly, when making a withdrawal, you no longer need to bring the check when visiting any BCA branch.

Benefits of a Certificate Free Foreign Currency Time Deposit with Options

• Available in a variety of foreign currencies.
  Everyone has their own specific needs for foreign exchange transactions. BCA offers a variety of foreign currencies that can be tailored to your needs, such as USD, SGD, HKD, AUD, GBP, JPY, EUR, and CNY/RMB.
• A variety of term options
  Not only can you choose the foreign currency, but you can also choose the deposit term. This can, of course, be adjusted to suit your needs when making a withdrawal to avoid incurring BCA penalties. The available term options are 1, 3, 6, or 12 months.
• Funds for investment can be denominated in foreign currency or rupiah
  Fund placement is also flexible. You can switch funds from Rupiah to a foreign currency, or between foreign currencies (for 1:1 currency pairs).
• Monitor transactions more easily.
  You can monitor all Time Deposit transactions directly through BCA e-Channels. So, you have full control to monitor it whenever and wherever you need. Aside from that, a notification for every opening or disbursement transaction will be sent directly to your registered email.

Open a BCA Foreign Currency Time Deposit (Certificateless Option) Now!

For customers prioritizing security and convenience in foreign currency savings, BCA’s certificateless Foreign Currency Time Deposit is the ideal choice.

This option is ideal if you want to avoid hassle, offering greater flexibility in both account opening and fund withdrawals. Thus, customers simply need to visit the nearest BCA branch office without the need to bring the deposit certificate.

What are you waiting for? Visit your nearest BCA branch today to open a Foreign Currency Time Deposit and effortlessly manage your foreign currency assets!