29 Jun 2021 | News & Features

Make Your Business Smoother with BCA

BCA is Always by Your Side through various banking products and services to ensure smooth business operations.

Here are the different types of products and services to support your smooth business operations.


Automated payroll services which credit the accounts of the employees at a specified time. Enjoy various special benefits are for your company and employees with the Business Solution Program (BSP)! Special Payroll Program tailored for you, BCA business customers.


Directly integrate your application with BCA banking services through the API BCA easily, quickly, and safely.

API BCA offers many features to meet your business needs, including balance information, account statement, transfer, BCA Virtual Account, and many more. All can be explored  through the API BCA portal.

Virtual Account (VA) BCA

VA BCA presents the Virtual Account services to simplify the identification of transactions and the reconciliation process of receipts.


With Remittance BCA, the need for Outward and Inward Remittance in foreign currencies for payment of goods, educational institutions, investments, and others has never been smoother.

Remittance BCA serves more than 100 currencies with 16 major foreign currencies, namely US Dollar (USD), Euro (EUR), Singapore Dollar (SGD), Japanese Yen (JPY), Australian Dollar (AUD), China Yuan Renminbi (CNH), Hong Kong Dollar (HKD), Pounds (GBP), Malaysian Ringgit (MYR), Thailand Baht (THB), Canadian Dollar (CAD), New Zealand Dollar (NZD), Danish Kroner (DKK), Swedish Kroner (SEK), Swiss Franc (CHF), and Saudi Arabian Riyal (SAR). Supported by more than 1,700 correspondent banks worldwide, you can perform remittance transactions with competitive exchange rates and fees. Remittance BCA also offers the Full Amount and Value Today features that allow for smoother forex transactions.

Click the link below to find out more about Remittance BCA that suits your needs:

  1. KlikBCA Bisnis
  2. BCA Full Payment
  3. Local Currency Settlement (LCS)


Life Corporate Insurance
Life Corporate Insurance is a group life insurance designed to meet the company’s needs in providing Condolence Payments for employees, such as death benefits, disability benefits, and terminal illness benefits.

Health Corporate Insurance
Health Corporate Insurance is a health insurance program that provides full and comprehensive health protection for the employees including their spouse and children with inpatient, surgical, outpatient, childbirth, and dental benefits.

Financial Institution Pension Fund (DPLK)
DPLK is a personal pension plan that offers pension benefits to employees. DPLK funds can be managed individually (PPIP – Fixed Fee Pension Plan) or based on the Pooled Fund principles (PPUKP – Pension Program for Severance Compensation) through a cooperation agreement between DPLK and the company.

BCA Trade

BCA Trade is a trading partner that accommodates your business needs across the world. Supported by more than 1,700 correspondent banks worldwide, you can perform business transactions with sellers and buyers all across the world with Letter of Credit (L/C) or SKBDN and Documentary Collection. BCA also offers financing services for your local, import, and export transactions.

As your trusted business partner, BCA helps guarantee every business activity through bank guarantee services. The bank guarantee services include a tender/bid bond, performance bond, payment bond, and maintenance bond.


Mutual Funds
Investments in the form of securities portfolios managed by a professional Investment Manager, starting from Rp100 thousand and consist of different types of investment such as Money Market Funds, Fixed Income Funds, Balanced Funds, and Equity Funds.

Government Bonds
Securities issued by the Government of the Republic of Indonesia consisting of Government Debt Securities (SUN) and Government Sharia Securities (SBSN), both in Rupiah and foreign currencies, whose interest and principal payments are guaranteed by the Government of the Republic of Indonesia.

Kredit Usaha

Working Capital Loan

Solution for working capital financing.

Working capital loan products can be seen on:

  1. https://www.bca.co.id/id/bisnis/produk/pinjaman-bisnis/kredit-usaha/kredit-lokal
  2. https://www.bca.co.id/id/bisnis/produk/pinjaman-bisnis/kredit-usaha/time-loan
  3. https://www.bca.co.id/id/bisnis/produk/pinjaman-bisnis/kredit-usaha/installment-loan
  4. https://www.bca.co.id/id/bisnis/produk/pinjaman-bisnis/kredit-usaha/kredit-ekspor

Working Capital Loan Program at BCA

Investment Loan

Investment solution to finance the purchase of fixed assets for business. To see more, please visit https://www.bca.co.id/id/bisnis/produk/pinjaman-bisnis/Kredit-Investasi

Investment Loan Program at BCA:

  • Warehouse Investment Loan (valid 01 Jan-31 Dec 2021) is the financing for the purchase, construction, refinancing of warehouses in select regions, namely Jabodetabek and surrounding areas, Surabaya, Bandung, Semarang, Solo, Medan, Pekanbaru, Makassar, Yogyakarta, Denpasar, Lampung, Malang, Banjarmasin, Pontianak, and Kubu Raya.
  • The loan facility is in the form of annuity instalments with a maximum term of up to 12 years (including Grace Period of 2 years)
  • Please contact the nearest BCA branch to get the benefits of this program.

Bank Guarantee

A guarantee in the form of a letter issued by BCA to pay a certain amount of money and/or to guarantee the performance of the principal obligations arising under a contract with the beneficiary.

The types of bank guarantees are Bid Bonds, Performance Bonds, Maintenance Bonds, Payment Bonds, Advance Payment Bonds and Bank Guarantees addressed to the Directorate General of Customs & Excise.

Auto Loans

Motor Vehicle Loans

Many activities have been limited or put on hold due to the current pandemic situation, including going to a car dealership to buy a car, either for yourself or the company you work for. To address this problem, KKB BCA introduced its latest innovation, KKB BCA Virtual Mall. Now, you don’t need to trouble yourself going to a dealership to look for a car, all can be accessed virtually via KKB BCA Virtual Mall. KKB BCA Virtual Mall is supported by a wide selection of vehicle brands, dealerships, and a variety of auto-loan packages that can be tailored to your needs. It is suitable for those who are looking for an operational vehicle loan or for company employees.



  • Various innovative financing plans to suit your needs, from affordable Down Payment to Special Loan plans.
  • Easy application requirements and relatively short loan approval process.
  • During the loan period, the installment loans have fixed payment amounts, with flat and fixed interest rates.
  • Monthly instalments will be debited automatically from the BCA account.
  • Security guarantee for BPKB storage during the loan period at BCA.


Visit KKB BCA Virtual Mall on kreditkerenbanget.com and realize the best solution for your business.


Are you looking for a car? Find them on KKB BCA Virtual Mall!


Motorcycle Financing


KSM BCA provides financing solutions for BCA customers to obtain operational motorcycles for the company or employees with more affordable instalments.

KSM offers special pricing and ease of transactions using auto-debit BCA.

The list of Motorcycle Financing Products can be seen on:



What are the advantages?

  • Valid for all BCA customers
  • affordable instalment and fixed payments
  • Practicality through automated payment debited from the BCA account
  • Easy application requirements and relatively short loan approval process
  • Security guarantee for BPKB storage during the loan period at BCA Multi Finance

Forex Treasury

BCA offers attractive exchange rates and online forex transaction services via J-Valas

Forex products : Today dan Non Today (Tom, Spot)
Derivative : Forward, DNDF, Swap, IRS dan CCS
Structured Products : CSO
J-Valas Services
Forex Lines Facility


Electronic Data Capture (EDC) is a machine used to process non-cash payments. Merchants/stores can accept payments using credit cards, debit cards, e-money, and QR codes.

QRIS is a payment network that uses QR codes to help merchants/stores accept payments from all QR-based applications in Indonesia, including Sakuku, BCA Mobile, and other payment applications on smartphones.

Personal Loan Corporate

A collateral-free multipurpose employee loan facility for companies that utilize Payroll BCA facility by signing a Cooperation Agreement between BCA and the Company.

General Insurance

Fire Insurance

Covering loss/damage to property due to fire, lightning strike, explosion, fall of aircraft or falling object from an aircraft, and smoke.

Extended Warranty:
Risks including Riots, Strikes, earthquakes, landslides, and the cost of debris removal.

Auto Insurance
Covering loss/damage due to a vehicle from collisions, theft, fire, and other causes. It also guarantees the risk of loss/damage by an event during the motor vehicle on a vessel for crossing purposes under the supervision of the Directorate General of Land Transportation.

Extended Warranty:
Covering against the risks: legal liability to third parties, riots/commotion, driver & passengers’ personal accident, and natural disasters.

To get the products and services, please contact:

  • PIC Relationship Manager
  • Halo BCA Bisnis 1500998