Forex Pocket

About

Forex Pocket (Poket Valas) is a group of subaccounts that holds funds in foreign currencies and is linked to the main account.

The Customer can activate and deactivate Forex Pocket via myBCA. There are 16 (sixteen) Forex Pocket currencies, namely:

United States Dollar (USD)
Singapore Dollar (SGD)
Chinese Yuan (CNY)
Euro (EUR)
Australian Dollar (AUD)
Japanese Yen (JPY)
Pound Sterling (GBP)
Hong Kong Dollar (HKD)
Malaysian Ringgit (MYR)
Thailand Baht (THB)
Swiss Franc (CHF)
Canadian Dollar (CAD)
Danish Krone (DKK)
New Zealand Dollar (NZD)
Swedish Krona (SEK)
Saudi Riyal (SAR)

Enjoy the Forex Pocket feature

Forex transactions anytime and anywhere via myBCA application
Top up the balance of 16 foreign currencies in 1 account
Overseas debit transactions without converting the exchange rate to IDR

Important Information

Requirements and Procedures

Individual customer of Indonesian nationality.
The Customer must be a user of myBCA with financial access.
The Customer must have a BCA Account that meets the following criteria to be used as the main account:

Account type: Tahapan, Tahapan Gold, Tahapan Xpresi, and Tapres. If the Tapres account is used as a Customer Fund Account (RDN) or Lender’s Account (RDL), then the account cannot be used as a main account of Forex Pocket.
Not a joint account
Linked to the Customer's BCA ID

The Customer does not have an active Forex Pocket linked to any other BCA Accounts.

The Customer can ask questions and lodge complaints via the following:

Contact Us:

Halo BCA 1500888

Email : halobca@bca.co.id

WA : +628111500998

Website : www.bca.co.id.

Social Media

Facebook : GoodLife BCA

Instagram : @goodlifebca

Youtube : Solusi BCA

X (Twitter) : @BankBCA

Features, Benefits, and Risks of Forex Pocket

Main Features of Current Account:

The Customer can activate and deactivate Forex Pocket via myBCA. The account used to activate Forex Pocket is called the main account.
There are 16 (sixteen) Forex Pocket currencies, all of which will be active upon activation, namely United States Dollar (USD), Singapore Dollar (SGD), Chinese Yuan (CNY), Euro (EUR), Australian Dollar (AUD), Japanese Yen ( JPY), Pound Sterling (GBP), Hong Kong Dollar (HKD), Malaysian Ringgit (MYR), Thailand Baht (THB), Swiss Franc (CHF), Canadian Dollar (CAD), Danish Krone (DKK), New Zealand Dollar (NZD), Swedish Krona (SEK), and Saudi Riyal (SAR).
Forex Pocket can be activated by making an initial deposit into one of the Forex Pockets currencies.
Competitive interest rates on the main account balance. For details on interest rates, please check BCA’s official website at www.bca.co.id.
The Customer can top up and transfer funds using Forex Pocket via myBCA.

Type of Transaction with Forex Pocket	Notes ²⁾
Top Up Own Funds ¹⁾
From a BCA Account to Forex Pocket	From IDR or same currency
Between Forex Pocket	From different currency
Transfer between Own BCA Accounts or to Another’s BCA Account
From a BCA Account to Forex Pocket	From IDR or same currency
From Forex Pocket to a BCA Account	To IDR or same currency
Transfer between Own Forex Pocket or to Another’s Forex Pocket
Between Forex Pocket	From same or different currency

*Notes:
¹⁾Top-ups can only be made using the same BCA ID as Forex Pocket.
²⁾Forex Pocket transactions denominated in MYR or THB can only be conducted from/to own BCA Account denominated in IDR.

Forex Pocket balance inquiry can be made via myBCA.
The Customer will receive information on the Customer’s account transaction history in the form of a soft copy account statement (e-Statement) by downloading it directly from the channels owned by the Customer. The e-Statement for each Forex Pocket currency constitutes an integral part of the e-Statement for the main account.
The Customer can use the BCA Mastercard Debit card to make cash withdrawals from Forex Pocket via overseas ATMs and debit transactions with Forex Pocket via overseas EDC machines if the main account is linked as the primary account.
Forex Pocket transactions with the BCA Mastercard Debit card are subject to the following provisions:

Accepted Currency of the ATM/EDC Machine	Notes	Example
Available in Forex Pocket	Transactions are conducted using the funds from Forex Pocket in the relevant currency¹⁾	When the customer is in Singapore, the customer’s cash withdrawal and debit transactions are conducted using the funds from Forex Pocket in SGD
Not Available in Forex Pocket	Transactions are conducted using the funds from the main account²⁾	When the customer is in India, the customer’s cash withdrawal and debit transactions are conducted using the funds from the main account

*Notes:
¹⁾ Ensure that the balance of Forex Pocket is sufficient to avoid declined transaction and not charged a decline fee.
²⁾ Ensure that the balance of main account is sufficient to avoid declined transaction and not charged a decline fee.

Forex Pocket transactions conducted in different currencies will be subject to the exchange rates applicable at BCA. Information on BCA’s competitive exchange rates can be seen before conducting Forex Pocket transactions at myBCA.
The Customer wishing to deactivate their Forex Pocket will be given the following information:
- The balance of each currency in Forex Pocket is in the actual currency and in Rupiah (equivalent).
- The total accumulated Forex Pocket balance is in Rupiah (equivalent).

Benefits:

Accommodating the customer’s need for 1 (one) account with multiple currencies.
Offering a convenient solution for the customer to make savings and conduct transactions in various currencies seamlessly with myBCA and the BCA Mastercard Debit card.

Risks:

The Customer’s deposits will not be covered by the deposit insurance scheme managed by the Indonesia Deposit Insurance Corporation (LPS) if:
- The total balance of the customer’s deposits (including interest) in one bank exceeds (an equivalent of) Rp2 billion for both single accounts and joint accounts.
- The interest rate obtained by the customer exceeds the deposit insurance interest rate set by the LPS.
Funds in any Forex Pocket currency do not earn interest.
Forex Pocket may be affected by exchange rate fluctuations in line with market conditions.
The Customer cannot deactivate their Forex Pocket on the same day as the activation.
As long as the customer has not deactivated Forex Pocket, the customer cannot close the main account.
If the balance remaining in Forex Pocket is zero and there are no transactions for 12 (twelve) consecutive months, Forex Pocket will be automatically deactivated.

Simulation

Simulation ¹⁾:

Placement in	Currency	Balance ²⁾	Interest rate p.a. according to balance ³⁾	Monthly Interest Amount ⁴⁾
Forex Pockets	USD	USD50,000	-	-
Forex Pockets	SGD	SGD100,000	-	-

Last Update: 20 November 2024

Notes:
¹⁾ This simulation is intended to provide the Customer with an estimate calculation only and is not meant to give any recommendation.
²⁾Position of the monthly average balance of the foreign currency sub-accounts within Forex Pocket.
³⁾ Interest rates may change at any time in line with market conditions and the change will be notified to the Customer via BCA’s information media.
⁴⁾ Interest Amount means a gross interest amount before tax withholding according to the applicable laws and regulations (Assumption: 1 month = 30 days and 1 year = 365 days).

Additional Information

Each customer can only have 1 (one) active Forex Pocket.
If there are multiple accounts connected to 1 (one) BCA Mastercard Debit card, the customer must ensure that the main account is the primary account so that Forex Pocket can be used for overseas transactions.
Upon activation, all currencies in Forex Pocket will be activated. Consequently, upon deactivation, all currencies in Forex Pocket will be deactivated as well.
Forex Pocket transaction data that is complete and binding on the customers is the transaction data listed on the e-Statement.
If there is still a balance remaining in Forex Pocket when the customer deactivates Forex Pocket, the deactivation will result in the simultaneous transfer of all funds from Forex Pocket to the main account.
Forex Pocket cannot be used as a special account for Foreign Exchange from Natural Resources Export Proceeds (DHE SDA), even if the main account is a DHE SDA account.
A purchase of foreign currency over the equivalent of USD100,000 with a source of funds in Rupiah must be accompanied by underlying documents.
Forex Pocket transactions denominated in MYR and THB comply with the provisions of Local Currency Transaction (LCT), in which transactions with an equivalent nominal of USD200,000 or more per transaction must be accompanied by underlying documents.
Forex Pocket transactions denominated in MYR or THB to own BCA Account denominated in IDR can be conducted as long as the transaction nominal has not reached the equivalent of USD200,000 per transaction.
Before deactivating Forex Pocket, the balance of Forex Pocket denominated in MYR and/or THB with an equivalent nominal of USD200,000 or more needs to be transferred to own BCA Account denominated in IDR.
BCA is obliged to inform of any changes to the benefits, fees and charges, risks, including terms and conditions for this Product and/or Service by mail or through any means in accordance with the applicable law. Such notice will be provided at least 30 (thirty) business days before the effective date of the change.

Disclaimer (important to read)

BCA has the right to reject the customer’s application for the product and/or service if the customer fails to meet the applicable terms and conditions.
The Customer has read and understood the Forex Pocket as described in this Product and Service Information Summary.
This summary simply constitutes a means of providing product and/or service information for prospective customers/customers and is not intended as an official offer for a product and/or service.
The Customer must read, understand, and agree to the Forex Pocket application form.
The information contained in this Product and Service Information Summary shall take effect as of the printing date of this Product and Service Information Summary until the issuance of its latest update.
The Customer must carefully read this Product and Service Information Summary before deciding to activate Forex Pocket and may contact the bank’s employee or call Halo BCA at 1500888 to inquire about all matters or file complaints about the Product and Service Information Summary.

TERMS AND CONDITIONS FOR FOREX POCKET (POKET VALAS)
PT BANK CENTRAL ASIA Tbk. ("BCA")

DEFINITION

E-Statement means information on transactions in the Account issued by BCA on a monthly basis in softcopy form which can be accessed by the Customer through BCA's electronic banking facilities or other facilities/media provided by BCA.
Calendar Day means any day from Monday through Sunday following the international calendar.
Terms and Conditions means these Terms and Conditions for Forex Pocket (Poket Valas) at PT Bank Central Asia Tbk (“BCA”).
Transaction Limit means the minimum and/or maximum amount of Transaction that the Customer can make.
Customer means an individual that owns an identity card according to applicable law and has a BCA savings product.
Forex Pocket (Poket Valas) is a group of subaccounts that hold funds in foreign currencies and is linked to the Account.
Account means the Customer's account that is used to activate Forex Pocket and serves as the main account of Forex Pocket.
Transaction means any financial transaction on Forex Pocket, such as Fund Transfers, top-ups, Overseas Transactions, and other transactions as may be hereafter determined by BCA, which can be conducted through the mobile and web versions of myBCA or other channels specified by BCA.
Overseas Transaction means any financial transaction on Forex Pocket conducted by the Customer overseas, including, among other things:
1. cash withdrawals using a Paspor BCA Card through other bank terminals via the Cirrus/Maestro network;
2. debit transactions using a Paspor BCA Mastercard via the Cirrus/Maestro network; and/or
3. other transactions as may be hereafter determined by BCA.
Fund Transfer means a fund transfer transaction from:
1. accounts at BCA to Forex Pocket;
2. Forex Pocket to accounts at BCA; and/or
3. Forex Pocket to another Forex Pocket.

GENERAL TERMS AND CONDITIONS

To obtain Forex Pocket, the Customer must first:
1. ensure that the Customer’s data on record with BCA is up-to-date;
2. activate Forex Pocket by designating an account to be used as the main account for Forex Pocket; and
3. make an initial deposit into Forex Pocket using funds from the Account.
The Account that can be used for activating Forex Pocket and serving as the main account for Forex Pocket must meet the following criteria:
1. the Account is a TAHAPAN BCA account, Tapres or any other account type as may be hereafter determined by BCA and notified by BCA to the Customer in any form and through any means in accordance with applicable law;
2. the Account is not a Customer Fund Account (RDN) or Lender Fund Account (RDL);
3. the Account is not a joint account, a guardian account, and/or a trust account; and
4. the Account is not blocked (can be used for debit and credit transactions).
Under certain considerations, BCA may reject the activation of Forex Pocket requested by the Customer.
Each Customer can only have 1 (one) Forex Pocket. One Forex Pocket can only be linked to 1 (one) Account. If the Customer intends to change the Account linked to Forex Pocket, the Customer must first deactivate the existing Forex Pocket and then activate a new Forex Pocket.
Forex Pocket cannot be used as a special account for Foreign Exchange from Natural Resources Export Proceeds (DHE SDA), even if the Account is a DHE SDA account.
The balance in Forex Pocket cannot be utilized as a source of funds for Autodebit, Autocollection, Payroll, and payment transactions conducted in Indonesia, or such other transactions that may be hereafter determined by BCA and notified by BCA to the Customer in any form and through any means according to applicable law.
The Customer must bear the fees arising in connection with the provision and use of Forex Pocket, including, among other things, the administration fee, transaction fee, and other fees and charges. The amounts of such fees as well as any changes thereto will be notified to the Customer in any form and through any means according to applicable law. BCA will directly debit the fees arising in connection with the provision and use of Forex Pocket from the Forex Pocket, Account, and/or other accounts owned by the Customer at BCA in accordance with the provisions applicable at BCA, which will be notified by BCA to the Customer in any form and through any means according to applicable law.
In the event of the Customer’s death, BCA has the right to request any documentation of heirship as may be required by BCA as the basis for releasing the balance in Forex Pocket to the rightful heirs named in the documentation of heirship. Upon release of the balance in the deceased Customer’s Forex Pocket to the rightful heirs or their agents according to the documentation of heirship, BCA is released and forever discharged from any further liability whatsoever in connection with the Customer’s Forex Pocket.
As long as the Customer still has outstanding debts to BCA under any credit facility, L/C, bank guarantee or any guarantee provided by the Customer (borgtocht), interest, facility fee (provisi), Cheque/Bilyet Giro book charges, stamp duty, bills of exchange, promissory notes or other commercial papers signed by the Customer as an acceptor, endorser, or drawer, guarantor or otherwise as a consequence of the use of a credit card or any other fees or obligations arising from anything whatsoever, BCA is entitled and to the extent necessary is hereby authorized by the Customer to debit the Customer’s Forex Pocket and apply the proceeds to repay any amounts at any time owing to BCA. Any consequences arising from the debiting of such Forex Pocket shall be the full responsibility of the Customer.
The Customer must not use the Forex Pocket to hold funds from any transactions or businesses that are prohibited by and/or contrary to applicable law, including but not limited to money laundering, terrorism financing, funding the proliferation of weapons of mass destruction, illegal investments, fraud, gambling, narcotics, and other criminal acts.
The Customer must not use the funds in the Forex Pocket to conduct any transactions or businesses that are prohibited by and/or contrary to applicable law, including but not limited to money laundering, terrorism financing, funding the proliferation of weapons of mass destruction, illegal investments, fraud, gambling, narcotics, and other criminal acts.
BCA reserves the right to block Forex Pocket or reject any transaction on Forex Pocket, among other things, if the Customer:
1. fails to comply with prevailing law;
2. fails to provide any information and supporting documents as required by prevailing law;
3. is found to have used and/or is reasonably suspected of using false documents or providing incorrect data to BCA;
4. provides questionable information;
5. has a source of transaction funds known to come from or reasonably suspected of coming from a criminal act; or
6. is found on the List of Suspected Terrorists and Terrorist Organizations (DTTOT) and the Funding List for the Proliferation of Weapons of Mass Destruction (DPPSPM).
The funds deposited in Forex Pocket are insured by the Indonesia Deposit Insurance Corporation (LPS) up to the maximum limit set by the LPS. The LPS does not cover any deposits with interest rates exceeding the maximum interest rates stipulated by the LPS.
By using Forex Pocket, the Customer agrees to comply with and to be bound by the Terms and Conditions and all procedures applicable at BCA governing the provision of Forex Pocket. BCA has the right to amend, supplement, or replace the Terms and Conditions for Forex Pocket at any time and will notify the Forex Pocket Customer of such amendment, supplementation, or replacement in any form and through any means according to applicable law.
If:
1. there is an administrative/posting error made by BCA;
2. BCA has processed the Transaction but the relevant Forex Pocket or the Account from which the Transaction funds originate fails to be debited; or
3. BCA has processed the Transaction but the relevant Forex Pocket or the Account into which the Transaction funds were to be paid has failed to be credited;

then BCA has the right to make necessary debit or credit corrections to the relevant Forex Pocket or Account in the amount of the Transaction previously processed by BCA.

The Customer cannot close the Account as long as there is still a balance remaining in Forex Pocket or if Forex Pocket is blocked.

FOREX POCKET ACTIVATION

The Customer can activate Forex Pocket through the mobile and web versions of myBCA or other channels hereafter specified by BCA, which will be notified by BCA to the Customer in any form and through any means according to applicable law.
The Customer can use Forex Pocket only after the Customer has made an initial deposit into Forex Pocket using existing funds in the Account and the activation of Forex Pocket has been successfully processed and approved by BCA.
BCA has the right to set the minimum and maximum initial deposit amounts to be paid into Forex Pocket as well as the threshold for purchasing foreign currency in accordance with prevailing law and convert the initial deposit debited from the Account using the exchange rate applicable at BCA. The minimum and maximum initial deposit amounts to be paid into Forex Pocket will be notified by BCA to the Customer in any form and through any means according to applicable law.
All the currencies in Forex Pocket will be simultaneously activated upon successful activation of Forex Pocket.
BCA has the right to determine the currency contained in the Forex Pocket including to add and/or reduce the currency contained in the Forex Pocket by giving notice to the Customer in any form and through any means according to applicable law.

TERMS FOR FOREX POCKET TRANSACTIONS

The Customer can conduct Transactions through the mobile and web versions of myBCA or other channels hereafter specified by BCA.
If the Account is blocked, the Customer will not be able to conduct any Transactions.
When conducting a Transaction, the Customer must comply with all provisions applicable at BCA, including, but not limited to the Transaction Limit. The amount of the Transaction Limit shall be subject to the applicable terms and conditions for the mobile and web versions of myBCA, the Paspor BCA Card, or any other channels used to conduct the Transaction.
When making a Fund Transfer, the Customer must observe the following terms:

Type of Fund Transfer	Terms
Fund Transfers from accounts at BCA to Forex Pocket	can be made for the following accounts: accounts at BCA in the same currency as Forex Pocket accounts at BCA in rupiah
Fund Transfers from Forex Pocket to accounts at BCA
Fund Transfers from Forex Pocket to another Forex Pocket	Can be made from and to any foreign currency available in Forex Pocket without the need to first convert the currency to rupiah.

Notwithstanding the provisions set out in Point D.4, for transactions related to certain currencies, Fund Transfers can only be made from accounts at BCA in rupiah currency to Forex Pocket in that currency owned by the same Customer and vice versa.
If the currency of the Transaction source funds differs from the currency of the account or Forex Pocket to which the Transaction funds will be transferred, BCA has the right to convert the Transaction amount using the exchange rate applicable at BCA. All losses that arise due to fluctuations in currency values during the Transaction shall be the Customer's sole responsibility.
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 Customer hereby authorizes BCA to:
1. a. display the name and/or Account number on the BCA facilities used to conduct fund transfer transactions;
2. b. provide data on the name and/or Account number 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.
For the implementation of deposit transactions, transfers, remittances, or other financial transactions and for the purposes of verification/confirmation of the status of transactions made by the Customer to a fund account, virtual account, or other means that can receive funds or can be used as a facility for fund transfer/payment through BCA branch offices, facilities provided by BCA, other banks, or non-bank institutions, the Customer hereby authorizes BCA to:
1. display the name and/or Account number on the account statement and transaction report issued by BCA;
2. provide data on the name and/or Account number to other parties who process deposit transactions, transfers, remittances, or other financial transactions, recipients of virtual account facilities or other means that can receive funds or can be used as a facility for fund transfer/payment, as well as to other parties who receive funds from transactions made by the Customer.

SPECIAL TERMS FOR OVERSEAS TRANSACTIONS

Forex Pocket can be used as a source of funds for Overseas Transactions if such Overseas Transactions are in the same currency as any of those available in Forex Pocket. If the Customer wishes to conduct a transaction using a currency not available in Forex Pocket, the Customer can use funds from the Account as the source of funds for the transaction.
Without prejudice to the provisions of Point E.1 above, the amount of an Overseas Transaction and the associated transaction fee will be debited from Forex Pocket in the same currency as the currency used in the transaction, so no currency conversion is required for the transaction (1:1).
If the Customer has more than 1 (one) account connected to the Paspor BCA Card, Overseas Transactions using funds from Forex Pocket can only be conducted if the Account is registered as the main account linked to the Paspor BCA Card. The Customer can change the main account linked to the Paspor BCA Card through BCA branch offices or other means provided by BCA.
If the Customer conducts an Overseas Transaction but the Account is not registered as the main account linked to the Paspor BCA Card, the Customer can still conduct the transaction using funds from the main account linked to the Paspor BCA Card.
If the balance in Forex Pocket which will be used as a source of funds for an Overseas Transaction is insufficient, BCA will reject the transaction, and the Customer will be charged a fee for the transaction rejection in accordance with the applicable provisions. Therefore, the Customer is advised to check the availability of the Forex Pocket balance before conducting a transaction.
BCA has the right to charge an Overseas Transaction fee as well as a transaction rejection fee, the respective amounts of which will be notified by BCA to the Customer in any form and through any means in accordance with applicable law.

DEACTIVATION OF FOREX POCKET

The Customer can deactivate Forex Pocket through the mobile and web versions of myBCA or other channels hereafter specified by BCA.
The Customer can deactivate Forex Pocket, subject to the following provisions:
1. deactivation of Forex Pocket is not conducted on the same day as the activation;
2. Forex Pocket is not blocked; and
3. there is no balance remaining in Forex Pocket in all foreign currencies.
Notwithstanding the provisions set out in Points F.1 and F.2 above:
1. BCA has the right to deactivate Forex Pocket, among other things, if:
  1. The Customer violates these Terms and Conditions whether in part or in whole;
  2. BCA ceases to provide Forex Pocket; or
  3. there are laws or orders from any banking supervisory authority prohibiting the provision of Forex Pocket.
2. BCA may deactivate the Customer's Forex Pocket upon 30 (thirty) Calendar Days’ notice to the Customer.
3. Forex Pocket will be automatically deactivated by the system if:
  1. the Customer does not have any balance in the relevant Forex Pocket in all currencies; and
  2. there have been no debit or credit transactions in the relevant Forex Pocket for 12 (twelve) consecutive months.
If the Customer still has outstanding obligations when Forex Pocket is deactivated, the Customer remains obligated to fulfill such obligations. For the avoidance of doubt, if there is a need for BCA to make debit or credit corrections to the Transaction, BCA will make the necessary adjustments to the Transaction on the Customer's account at BCA.
If a balance remains in Forex Pocket when Forex Pocket is deactivated for any reason, BCA reserves the right to debit the entire balance in Forex Pocket, convert it using the exchange rate applicable at BCA, and credit the proceeds from the conversion to the Account.
Deactivation of Forex Pocket as described in Point F of these Terms and Conditions shall apply to all currencies in Forex Pocket without exception.

TRANSACTION DATA

Transaction data that is complete and binding on the Customer is the Transaction data stated in the E-Statement.
In the event that Customer intends to print mutations in the book of the Account (“Book”) the following provisions apply:
1. Transaction data on Forex Pocket that can be printed on the Book consists of:
  1. transaction data from Account to Forex Pocket; and/or
  2. transaction data from Forex Pocket to Account.
2. Transaction data from Forex Pocket to other Forex Pocket, transactions from Forex Pocket to other accounts and vice versa, Forex Pocket transactions abroad (such as cash withdrawal transactions or BCA debit transactions), and Forex Pocket top up transactions that are not sourced from funds stored in the Account will not be printed on the Book. Therefore, not all transaction data will be printed on the Book.
3. Transaction data on Forex Pocket as referred to in point G.2a above and the nominal balance of the Account will be printed on the Book in rupiah currency.

COMPLAINT HANDLING

Any complaints about Forex Pocket can be lodged by the Customer with BCA through a BCA branch office or HALO BCA. For the purposes of handling such complaints, BCA has the right to ask the Customer to submit a copy of the Customer’s identity and other supporting documents.
BCA will respond to complaints in accordance with applicable law.
Any complaints regarding Forex Pocket must be lodged by the Customer with BCA within no later than 3 (three) months of the transaction date.

FORCE MAJEURE

In the event BCA is unable to execute a Transaction instruction from the Forex Pocket Customer, whether partially or wholly, due to events or causes beyond the control or capability of BCA, including but not limited to natural disasters, war, riots, equipment/system/transmission breakdown, power failures, telecommunication disruptions, government policies prohibiting BCA from providing the Transaction feature, or other events or causes beyond the control and capability of BCA, then the Forex Pocket Customer hereby holds BCA harmless against all claims of any kind in connection therewith.

DISPUTE RESOLUTION

The Customer agrees that any dispute or difference of opinion arising from and/or in connection with the implementation of these Terms and Conditions shall be resolved in an amicable manner.
Any dispute or difference of opinion that cannot be amicably resolved between the Customer and BCA shall be resolved by means of banking mediation at Bank Indonesia or the Financial Services Authority or by means of mediation through an Alternative Dispute Resolution Institution set out in the List of Alternative Dispute Resolution Institutions established by the Financial Services Authority (OJK).
Any dispute or difference of opinion that cannot be resolved in an amicable manner, by banking mediation, and/or by means of mediation as described in Point J.2 above shall be resolved through the District Court of Central Jakarta, without prejudice to BCA's right to file a suit or claim at any other District Court within the territory of the Republic of Indonesia.

LANGUAGE

Terms and Conditions are made and executed in 2 (two) language versions, namely Indonesian and English. In the event of any discrepancy in interpretation between the Indonesian and English versions, the Indonesian version shall prevail.

The Customer hereby confirms that they fully understand and agree to these Terms and Conditions for Forex Pocket (Poket Valas) at PT BANK CENTRAL ASIA Tbk (“BCA”) as described above and that BCA has provided explanations to and sought confirmation from the Customer of their understanding of the benefits, fees, and risks, as well as rights and obligations associated with Forex Pocket.

These Terms and Conditions for Current Account Holders of PT Bank Central Asia Tbk. (“BCA”) have been adjusted to the prevailing laws and regulations including Regulations of the Financial Services Authority (OJK).

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Fees, Limits & Interest Rates

Initial Deposit Nominal

The minimum initial deposit amount for each Forex Pocket currency is as follows:

Currency	Minimum Initial Deposit Amount
United States Dollar (USD)	USD5
Singapore Dollar (SGD)	SGD8
Chinese Yuan (CNY)	CNY35
Euro (EUR)	EUR5
Australian Dollar (AUD)	AUD7
Japanese Yen (JPY)	JPY525
Pound Sterling (GBP)	GBP3
Hong Kong Dollar (HKD)	HKD39
Malaysian Ringgit (MYR)	MYR20
Thailand Baht (THB)	THB150
Swiss Franc (CHF)	CHF4
Canadian Dollar (CAD)	CAD7
Danish Krone (DKK)	DKK35
New Zealand Dollar (NZD)	NZD8
Swedish Krona (SEK)	SEK50
Saudi Riyal (SAR)	SAR20

Last Update: 20 November 2024

Note: The Initial deposit must be made into one of the Forex Pocket currencies upon activation.

Top Up and Transfer Nominal

The minimum top-up and transfer amounts using Forex Pocket are as follows:

From/to a BCA Account

Currency	Minimum
Indonesian Rupiah (IDR)	IDR10,000

Last Update : 24 June 2024

From/to Forex Pocket

Currency	Minimum
United States Dollar (USD)	USD1
Singapore Dollar (SGD)	SGD1
Chinese Yuan (CNY)	CNY1
Euro (EUR)	EUR1
Australian Dollar (AUD)	AUD1
Japanese Yen (JPY)	JPY100
Pound Sterling (GBP)	GBP1
Hong Kong Dollar (HKD)	HKD1
Malaysian Ringgit (MYR)	MYR1
Thailand Baht (THB)	THB10
Swiss Franc (CHF)	CHF1
Canadian Dollar (CAD)	CAD1
Danish Krone (DKK)	DKK1
New Zealand Dollar (NZD)	NZD1
Swedish Krona (SEK)	SEK1
Saudi Riyal (SAR)	SAR1

Last Update : 20 November 2024

Fees

Administration fee: Free.
Fees for Forex Pocket transactions using the BCA Mastercard Debit card:

Type of Fee	Fee per Transaction
Overseas cash withdrawal^{1) 2)}	IDR20,000 (equivalent)
Declined overseas cash withdrawal transaction ^{1) 3)}	IDR5,000
Declined overseas debit transaction ³⁾	IDR2,500
Access fee	Fees according to overseas banks/ATM providers
Currency conversion using the exchange rates set by overseas banks/ATM/EDC machine providers	In accordance with the prevailing exchange rate at the overseas bank/ATM/EDC machine providers

Last Update: 04 October 2024

Notes:

¹⁾Notably, there is no overseas cash withdrawal fee of IDR20,000 (equivalent) and declined overseas cash withdrawal transaction fee of IDR5,000 for cash withdrawal transactions via DBS Singapore ATMs (excluding access fees which may be charged by overseas banks/ATM providers).

²⁾ The fees for overseas cash withdrawals will be charged using BCA e-Rate, subject to the following:

If a transaction is conducted in a currency available in Forex Pocket, the fee will be charged to Forex Pocket in the relevant currency.
If a transaction is conducted in a currency not available in Forex Pocket, the fee will be charged to the main account.
If the transaction is conducted with the currency conversion feature provided by the overseas bank/ATM/EDC provider, the transaction will be charged in IDR and the fee will be charged to the main account.

³⁾ The fee for a declined transaction will be charged to the main account in Rupiah.

Limit

Below are the daily limits for Forex Pocket transactions with BCA Mastercard Debit card, which apply to equivalent amounts in other currencies:

Type of Transaction	Paspor Blue*	Paspor Gold*	Paspor Platinum*	Paspor Xpresi*	Tapres Card*
Via Overseas ATMs
Cash Withrawal	IDR15,000,000	IDR15,000,000	IDR15,000,000	IDR10,000,000	IDR15,000,000
Via Overseas EDC Machine
Debit	IDR100,000,000	IDR125,000,000	IDR150,000,000	IDR50,000,000	IDR125,000,000

Last update: 20 November 2024

*The limit for each type of Forex Pocket transaction is the combined limit for all types of savings account transactions and applies to its equivalent in another currency.

Meanwhile, below are the daily limits for Forex Pocket transactions through myBCA, which apply to equivalent amounts in other currencies:

Type of Transaction	Purpose of Transaction
Type of Transaction	To Own Account	To Other Account
Top Up
From BCA Account in IDR/same currency to Forex Pocket	No limit ¹⁾	-
Between Forex Pocket in different currency	USD1,000,000 ²⁾	-
Transfer between BCA Accounts
From BCA Account in IDR/same currency to Forex Pocket	No limit ¹⁾	IDR300,000,000 ³⁾
From Forex Pocket to BCA Account in IDR/same currency	No limit ¹⁾	IDR300,000.000 ³⁾
Transfer between Forex Pockets
Between Forex Pocket in the same currency	-	IDR300,000,000 ³⁾
Between Forex pocket in different currency	USD1,000,000 ²⁾	IDR300,000,000 ³⁾ and USD1,000,000 ²⁾

Last update: 04 December 2024

¹⁾ The transaction limit for Top Up and Transfer with the purpose of transactions to own account is combined with the limit of Transfer transactions to own BCA Account currently applicable on myBCA.

²⁾ Transactions between Forex Pocket in different currency with the purpose of transactions to own or other account will reduce the limit of Cross currency transfer between Forex Pocket in the amount of USD1,000,000 (equivalent) per day per customer.

³⁾ The transaction limit for Transfer with the purpose of transactions to other account is combined with the limit of Transfer between BCA Accounts currently applicable on myBCA.

Forex Pocket

Why Forex Pocket at myBCA?

1 Account with 16 Foreign Currencies

Seamless

Convenient