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Free administration fee

Sakuku Plus

Enjoy more features by upgrading to Sakuku Plus


Enjoy various promos using Sakuku.


About Important Information Fees & Limits FAQ Get the Product Layanan API BCA


Sakuku is electronic money that can be used to support your lifestyle, from shopping payment, topping up phone credit to paying various bill.



You just need to download the app to start using Sakuku
Mobile phone number as Sakuku account number

Important Information

  • Transaction Screen Display
    For financial transaction, proof of transaction will be sent in the Inbox menu

  • Sakuku security
    - Mobile phone number
    - Sakuku PIN (6 digits numeric)

Sakuku Transaction Tips

  • Keep Sakuku PIN confidential to ensure secure transactions
  • Always check the confirmation screen before authorizing/approving transactions
  • If problems occurs when using Sakuku, please note the following points:
  • 1. Make sure you have sufficient mobile credit when registering for Sakuku
    2. Make sure you smartphone has Internet connection to conduct transactions
    3. Make sure you have sufficient balance in your Sakuku account, and your account is active (not blocked)
    4. Check your proof of transaction to make sure your most recent transaction was successful
    5. Contact Halo BCA at 1500888 if you need further assistance
  • If you change your SIM Card or mobile number you used to register for Sakuku, you will need to delete and re-download your Sakuku app, and then re-register for Sakuku service. Your balance will be the same as long as your mobile number remain the same

Sakuku Account Block

  • Block your Sakuku account by contacting Halo BCA if you lose your phone, or for other reasons
  • Halo BCA will follow procedure and verify your data
  • If data verification is successful, Halo BCA will block your Sakuku

Sakuku Account Closure

  • Contact Halo BCA to close your Sakuku account
  • Halo BCA will follow procedure and verify your data, and then ask to which BCA account you wish to issue the refund (Sakuku remaining balance)
  • If data verification is successful, Halo BCA will close your Sakuku account
  • For Sakuku Plus only: Sakuku refund can only be issued to BCA account with the same name as the Sakuku account. Alternatively, you can withdraw all remaining balance before closing your Sakuku account

    Sakuku will be temporarily unavailable if BCA system or cellular operator network encounters connectivity problems
    Sakuku products and service are registered to and monitored by Otoritas Jasa Keuangan

Issues Handling

  • Complaints/complaints to BCA regarding Sakuku can be submitted by the customer to Halo BCA. For the purposes of handling these complaints/complaints, BCA has the right to ask the customer to submit a photocopy of the customer's identity and other supporting documents
  • BCA will respond to the complaint in accordance with applicable legal provisions
  • Any complaint regarding the use of Sakuku must be submitted by the Customer to BCA no later than 3 (three) months from the date of the Transaction

Fees, Limits and Interest

Sakuku Fee

At the beginning, for initialization of the application, SMS sent and received by customers will be charged to customers at:

  • Telkomsel IDR 300 - IDR 1,320 per SMS*
  • Indosat IDR 400 - IDR 600 per SMS*


Effective from July 2021, SMS sent and received by customers will be charged to customer at

  • Smartfren IDR 150 - IDR 600 per SMS*
  • XL IDR 400 - IDR 600 per SMS*
  • 3 (Tri) Hutchison IDR 250 - Rp 500 per SMS*

Not include VAT 10%



Maximum Top Up

IDR20,000,000 per month

Maximum Balance

Sakuku IDR2,000,000

Sakuku Plus IDR10,000,000

Merchant/e-Commerce Payment

According to balance

QRIS Payment Limit

Minimum IDR1/transaction

Maximum IDR 10,000,000/transaction



Data and Mobile Credit Top Up Limit

IDR2,500,000/day (join limit)

Game Voucher Purchase Limit


Cash Withdrawal at BCA ATM

MinimumIDR 50,000/transaction

Maximum IDR 1,250,000/transaction

Top Up/Deposit to Sakuku


Split Bill

Minimum IDR5,000/transaction

Maximum according to balance

Transfer to Sakuku or BCA Account

Minimum IDR5,000

Maximum according to balance

Sakuku Registration Fee

IDR 250 - IDR 350 depending on the type of operator


Is there an administration fee or interest rates for Sakuku?

In compliance with Bank Indonesia regulations, electronic money services like Sakuku does not incur administration fee or interest rates.

What should I do if my transaction is successful but I did not receive a notification/proof?

Check your account balance on Sakuku mutation feature. If your balance remains the same, then the transaction was not successful, and you must try again. If your balance has been reduced, but the transaction has failed, please contact Halo BCA at 1500888.

Why can’t I conduct Sakuku transactions?

Reasons may include:

  • Your smartphone does not support Sakuku
  • SMS-Center operator is busy, your phone does not have battery, insufficient mobile credit, network disruption, or other causes

What do I do if I forgot my PIN/Sakuku is blocked?

You will need to delete and re-download your Sakuku app, and then re-register for Sakuku service.

What do I do if when I re-register, I am asked to re-register the next day?

  1. Your phone number may have been registered for Sakuku before using a different set of data, and BCA needs to process and verify the information
  2. You can ask for a refund to proof that you are the rightful owner of the account

What if my SIM Card and/or mobile phone is lost or stolen?

Report your loss to your provider and Halo BCA at 1500888 for processing. To use Sakuku again, you will need to re-download your Sakuku app, and re-register for Sakuku service using the same data.

Will my money be safe is my SIM Card/mobile phone is lost/stolen?

Yes, as long as your Sakuku PIN remains confidential.

What should I do if my Sakuku account is debited?

Visit the nearest branch/call Halo BCA at 1500888 for processing. BCA will verify your data and specified transaction, and process the next step.

Will I lose my balance if I upgrade to Sakuku Plus?

No, your balance will remain the same.

Will my data change if I upgrade to Sakuku Plus?

Your name and birthday will be verified using your existing data and BCA account, and cannot be changed through your Sakuku app.

Is Sakuku only for BCA customers?

You can use Sakuku even if you don’t have a BCA account. Sakuku is available for both customers and non-customers.

What if you don’t have a BCA account, but would like to upgrade to Sakuku Plus?

You can visit the nearest BCA branch.

Can I have more than one Sakuku account?

Yes, using a different mobile number and smartphone.

Can I access Sakuku abroad?

You can access Sakuku abroad as long as your smartphone have access to Internet and SMS roaming is active (only for Sakuku registration).

How do I know if my transaction is successful?

You will receive a notification on your screen, which will be saved to your Sakuku inbox.

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