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Investment

Simplify the securities transaction process

Why open RDN at BCA?

Ease of Account Opening

You can open an account through the Security Company’s websites or apps (no need to go to the Branch Office)

Ease of Fund Deposit

Fund deposits can be made quickly and securely through BCA e-channels (KlikBCA Individu, KlikBCA Bisnis, myBCA and BCA mobile), ATMs, and over the counter.

Ease of Balance Information and Bank Statement

You can get balance information and bank statement through KlikBCA Individu, KlikBCA Bisnis, myBCA, and BCA mobile.

E-Statement

Bank statement will be sent each month

BCA Customer Fund Account

See the securities company list that are linked to the BCA Customer Fund Account

More

Customer Fund Account (RDN)

About Term & Conditions Important Information Fees, Limits & Interest Rates

Customer Fund Account (RDN)

A Customer Fund Account (RDN) is an account owned by either an individual customer or a non-individual customer (business entity), used for settling securities transactions.

Benefit

No Fees
No administration fees, penalty fees, and account closure fees
Checking Account
e-statements are sent to the customer’s email address monthly
e-Channel Facility
Account balance and transaction activity information can be accessed through BCA e-channels (KlikBCA Individu, KlikBCA Bisnis, BCA Mobile, myBCA), the Securities Company’s App, and the AKSes KSEI website

ADDITIONAL TERMS FOR HOLDER OF CUSTOMER FUND ACCOUNT OF PT BANK CENTRAL ASIA TBK ("BCA")("BCA")

  1. The Customer Fund Account cannot be opened with a joint account status.
  2. The Customer Fund Account opened in the form of a current account will not be provided with any cheque/Bilyet Giro nor other identification in any form. For Customer Fund Account in the form of a savings account, BCA will not issue or provide any proof of ownership for the holder of the Customer Fund Account including the passbook or PASPOR BCA Card.
  3. All transactions under the Customer Fund Account can only be conducted:
    1. through KlikBCA and/or other means as determined by BCA; and
    2. by Securities Company or Custodian Bank which has been vested with the authority by the holder of the Customer Fund Account to manage the Customer Fund Account.
    The transaction of crediting funds to the Customer Fund Account through BCA can be conducted through KlikBCA, over the counter, and/or through any other means as may be determined by BCA which will be notified by BCA to the holder of the Customer Fund Account in any form and by any means whatsoever.

  4. Any inquiry and request for the balance and transaction history (mutasi) of the Customer Fund Account can only be made by the holder of the Customer Fund Account through the means as provided by PT Kustodian Sentral Efek Indonesia and/or through other means as may be determined by BCA which will be notified by BCA to the holder of the Customer Fund Account in any form and by any means whatsoever.
  5. BCA reserves the right to refuse any instructions given by the holder of the Customer Fund Account as long as BCA has not received from the holder of the Customer Fund Account the revocation of the power to manage the Customer Fund Account that has been approved in writing by Securities Company or Custodian Bank.
  6. The Customer Fund Account can only be closed:
    1. by the holder of the Customer Fund Account with the written consent of Securities Company or Custodian Bank; or
    2. by Securities Company or Custodian Bank that has been authorized by the holder of the Customer Fund Account to manage such Customer Fund Account.
    The closure of the Customer Fund Account must be carried out through Securities Company or Custodian Bank that has been authorized by the holder of the Customer Fund Account to manage such Customer Fund Account.

  1. BCA at its sole discretion has the right to refuse the opening and/or close the Customer Fund Account.
  2. The holder of the Customer Fund Account is fully responsible for any consequences arising from the management of the Customer Fund Account by Securities Company or Custodian Bank and hereby holds harmless BCA against all kinds of claims, lawsuits, demands, and/or other legal actions of any kind from any party including from the holder of the Customer Fund Account.
  3. Any disputes arising in connection with the management of the Customer Fund Account by Securities Company or Custodian Bank will be settled by the holder of the Customer Fund Account and Securities Company or Custodian Bank without involving BCA.
  4. This instrument containing the Additional Terms For Holder of Customer Fund Account of BCA constitutes an integral and inseparable part of:
    1. The Terms and Conditions for Holder of Current Account of PT Bank Central Asia Tbk (BCA)
    2. The Terms and Conditions of Tabungan Prestasi ("TAPRES") PT Bank Central Asia Tbk (BCA)
    3. The Terms and Conditions of BCA Dollar Account PT Bank Central Asia Tbk (CA) and or any other provisions as may be applicable to the Customer Fund Account.
    5. BCA has given explanation and asked for confirmation from Customer about the explanation of benefits, fees, and risks related to BCA products above.

  1. In the event of any difference and or inconsistency between the Additional Terms For Holder of Customer Fund Account of BCA and the provisions as mentioned in point 10 above, then the Additional Terms For Holder of Customer Fund Account of BCA will apply.
  2. The holder of the Customer Fund Account hereby states that it agrees to be bound by the Additional Terms For Holder of Customer Fund Account of BCA, the provisions as set out in point 10 above, provisions concerning Customer Fund Account e-Statement, and other provisions stipulated by BCA in connection with the opening of the Customer Fund Account. BCA may modify such provisions which will be notified by BCA in any form and by any means whatsoever in accordance with the prevailing laws and regulations.

The holder of the Customer Fund Account hereby declares that it has read, understood, and agreed to the contents of the Additional Terms for Holder of Customer Fund Account of BCA as described above.

These additional Terms and Conditions for Rekening Dana Nasabah of PT BANK CENTRAL ASIA Tbk (“BCA”) have been adjusted to ensure compliance with the prevailing laws and regulations including Regulations of the Financial Services Authority

Important Information

Requirements and Procedure

  • The RDN can be opened by individual customers (both Indonesian and foreign citizens) as well as non-individual customers (business entities)*.
  • The Customer must fill out the account opening application form and accept the terms contained therein.
  • For Non-individual Customers (business entities), if the board members of the business entity do not have a BCA account, they must fill out an Individual Customer Data Form.
  • If the account is opened through a power of attorney, the party to whom the power is granted needs to provide the Power of Attorney issued by the principal for the purpose of opening the account.
  • For the opening of a current account, certain documents may be subject to stamp duty.
  • The customer must provide the required documentation.

Customer type

Required Documents: :

  • Identity card ((electronic Resident ID Card (e-KTP) for Indonesian citizens/Passport for foreign citizens)
  • Tax ID Number /NPWP (Optional)**
  • Limited Stay Permit (KITAS)/Permanent Stay Permit (KITAP) Reference Letter (only for foreign citizens)
  • Business Location License (SITU), for Indonesian citizens domiciled in Indonesia and doing business/acting in another’s name (b.d.n)
  • Other documents (only for foreign citizens not domiciled in Indonesia) as may be required under the AML CTF Guidelines and the prevailing laws.
  • Articles of Association and Deed of Establishment approved by the Ministry of Law and Human Rights or a Cover Note from a notary If the Deed of Establishment is still in the approval process
  • Deed of Amendment (if any)
  • Corporate Tax ID Number
  • Business License
  • Certificate of Company Registration (TDP)/Business Identification Number (NIB)
  • Identity Card and Tax ID Number (NPWP) of all members of the Company’s Boards
  • Identity Card and Tax ID Number of the Shareholders
  • Other permits and licenses***
  • Articles of Association and Deed of Establishment approved by the Ministry of Law and Human
  • Rights or a Cover Note from a notary If the Deed of Establishment is still in the approval process
  • Deed of Amendment (if any)
  • Tax ID Number for Non-Individual Entity
  • Business License
  • Certificate of Company Registration (TDP)/Business Identification Number (NIB)
  • Identity Card and Tax ID Number (NPWP) of all management board members
  • Other permits and licenses***
  • Identity Card and Tax ID Number (NPWP) of all members of the management board
  • Tax ID Number for Non-Individual Entity
  • Articles of Association and Deed of Establishment approved by the Ministry of Law and Human
  • Rights or a Cover Note from a notary If the Deed of Establishment is still in the approval process
  • Deed containing the composition of the current management board of the partnership that has
  • been registered with the District Court or the Minister of Law and Human Rights
  • Business Identification Number (NIB)
  • Other permits and licenses***
  • Identity Card and Tax ID Number (NPWP) of all members of the company’s boards Deed of Amendment (if any)
  • Tax ID Number for Non-Individual Entity
  • Documents to be authenticated by the local Notary Public and registered with the Indonesian Embassy:
    • Deed of Establishment dan Articles of Association
    • Resolution of Board of Director atau Power of Attorney
    • Current composition of the company’s boards
  • Business Identification Number (NIB)
  • Other permits and licenses *** required of a representative office of a foreign company in Indonesia
  • Articles of Association and Deed of Establishment approved by the Ministry of Law and Human Rights or a Cover Note from a notary If the Deed of Establishment is still in the approval process
  • Deed of Amendment (if any)
  • Tax ID Number for Non-Individual Entity
  • Business License
  • Certificate of Company Registration (TDP)/Business Identification Number (NIB)
  • Identity Card and Tax ID Number (NPWP) of all members of the Foundation’s Boards
  • Other permits and licenses ***
  • Identity Card and Tax ID Number (NPWP) of all members of the company’s boards
  • Corporate Tax ID Number
  • Regional Regulation/Regulation of the Head of a Government Agency/Decision of the Head of a Government Agency on the formation/establishment of State-Owned Public Service Company/Regional Government-Owned Public Service Company
  • Composition of the management boards/ letter of appointment/ letter of assignment from the Head of a Government Agency to the official appointed to open a bank account
  • Business Identification Number (NIB)
  • Other permits and licenses ***
  • Identity Card and Tax ID Number (NPWP) of all management board members
  • Tax ID Number for Non-Individual Entity
  • Deed of Establishment
  • Articles of Association/Bylaws
  • Proof of validation and approval from the Minister of Law and Human Rights (if a legal person)
  • Current composition of the management boards
  • Operational license from the competent authority (only for those conducting business and earning profit or collecting funds from the public)
  • Registration Certificate from the competent authority (only for a social association established in DKI Jakarta)
  • Identity Card and Tax ID Number (NPWP) of all members of the management
  • Tax ID Number for Non-Individual Entity
  • Deed of Establishment
  • Articles of Association/Bylaws
  • Proof of validation from the Ministry of Law and Human Rights
  • Current composition of the management
  • Identity Card and Tax ID Number (NPWP) of all members of the management boards Agency NPWP
  • Tax ID Number for Non-Individual Entity
  • Deed of Establishment
  • Articles of Association/Bylaws
  • Proof of registration of the Religious Institution from the Directorate General for Community Guidance under the Ministry of Religious Affairs
  • Current composition of the management boards and the letter of appointment/ratification of the incumbent members of the management boards
  • Identity Card and Tax ID Number (NPWP) of all members of the Management
  • Tax ID Number of the Ministry/State Agency
  • Articles of Association/Bylaws
  • Deed of Amendment (if any)
  • Approval Letter containing the register number and approval for account opening signed by the Director General of Treasury/State Treasury Service Office (KPPN)
  • Decision letter regarding the establishment of the Ministry/Ministerial Agency or Work Unit
  • Decision letter regarding the appointment of the head of the Ministry/Ministerial Agency or Work Unit
  • Power of Attorney signed by the official authorized to represent the owner of the Ministry’s Account to the Director General of Treasury/ KPPN
  • Identity Card and Tax ID Number (NPWP) of all members of the Management
  • Tax ID Number for Non-Individual Entity
  • Regulation of the Head of the Government Agency or Decision Letter of the Head of the Government Agency regarding the formation/establishment of the relevant agency
  • Composition of the management/ letter of appointment/ letter of appointment from the Head of the Government Agency to the official designated to open an account

Notes:

*If the Customer opens an RDN online via a web browser, the following provisions shall apply:

Customer Criteria
  • The Customer must already have an account with BCA
  • Indonesian Individual
RDN Features
  • Type of RDN Account: Tapres
  • Currency : IDR

** Mandatory for Current Accounts (Giro)

*** Explanation of Other Permits and Licenses:

  • For non-individual customers with a Business Identification Number (NIB) document issued before 2 February 2021, an operational permit from the competent authority is required.
  • Non-individual customers with a Business Identification Number (NIB) document issued on or after 2 February 2021 with medium to high risk levels must provide other licensing documents according to Risk-Based Business Licensing Documents under Government Regulation No. 5 of 2021.
  • Business entities in the financial sector such as financing institutions, insurance, and the like must provide a business permit from the relevant supervisory authorities such as the OJK, BI, and BAPPEBTI.
  • Customers in the form of a Banking entity must provide AML-CFT WMD Documents in accordance with the provisions for opening accounts for Giro Bank and PTDNB applicable at BCA

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

Main Features of RDN

  • The RDN is opened in the name of an Individual customer/a customer in the form of a Non-Bank Entity/a Banking Entity and is managed by a Securities Company on behalf of the customer.
  • The types of accounts for the Customer Fund Account include Tabungan Prestasi (Tapres)/Current Account (Giro)/BCA Dollar*
  • Available currencies:
    • Prestasi (Tapres) Current Account (Giro) BCA Dollar
    IDR IDR, USD USD, SGD
  • The RDN cannot be opened as a joint account, automatically closed, put under dormant status, or debited for Prioritas service fees.
  • No initial deposit and no minimum balance required, and no hold on the account
  • No checkbook/Paspor BCA Card, no electronic banking product facilities, and no credit and overdraft facilities provided.
  • The RDN earns interest/current account interest (Except for Customers in the form of a Banking Entity).
  • No administration fees, penalty fees, and account closure fees
  • The deposit interest rate that is eligible for the deposit insurance scheme follows the applicable interest rate set by the Indonesia Deposit Insurance Corporation (Lembaga Penjamin Simpanan or LPS), which can be viewed on the website of the LPS.
  • Monthly account statements are provided to the Customer in the form of an e-

Benefits

  • Account balance and transaction activity information can be accessed through BCA e-channels (KlikBCA Individu, KlikBCA Bisnis, BCA Mobile, myBCA), the Securities Company’s App, and the AKSes KSEI website.
  • e-statements are sent to the customer’s email address monthly

Risk

  • The Securities Company is authorized to debit and credit funds from/to the RDN
  • The Customer cannot directly debit or withdraw funds from the RDN without going through the Securities Company.
  • 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.
  • Fluctuations in exchange rates and savings/current account interest rates may occur in line with market conditions.

Additional Information

  • Deposits can be made quickly and securely through BCA’s e-channels (KlikBCA Individual, KlikBCA Business, myBCA, and BCA Mobile), ATMs, Non-cash ATMs, BCA Counters, and transfers from other banks (BI Fast, LLG, RTGS, Inward Remittance).
  • Savings interest/current account Interest will be credited to the relevant account at the end of each month.
  • A decrease in the Current Account Interest rate will result in a reduction in the Current Account Interest amount received by the customer.
  • The Customer will earn Current Account Interest if the Customer maintains a certain average balance, according to the provisions applicable at BCA.
  • The Customer may apply for the closure of the RDN through the Securities Company without incurring an account closure fee.
  • BCA must notify the Customer of any changes to the benefits, fees and charges, risks, including the terms and conditions for this Product and/or Service by letter or other methods in accordance with the applicable terms and conditions. Such notice will be provided 30 (thirty) business days before the effective date of the change.
  • The Customer may receive offers for other products from parties other than the Bank that cooperate with the Bank, if the Customer gives consent to the Bank to share the customer’s data with such parties other than the Bank that cooperate with the Bank.
  • The Customer may receive offers for the Bank’s products and/or services and/or the products and/or services belonging to other parties that cooperate with the Bank via personal communication channels, if the Customer gives consent to the Bank to provide such product and/or service offers via personal communication channels.
  • Further information regarding the fees and charges, benefits, and risks can be accessed on BCA’s official website at www.bca.co.id.

This summary has been aligned with the laws and regulations in force including regulations of the Financial Services Authority.

BCA is licensed and supervised by the Financial Services Authority and Bank Indonesia

BCA is a member of the LPS insurance scheme


Fees & Limit


Fees and Charges:

  • Income tax withholding: 20% of the interest/current account interest
  • Transfer fees charged to the Customer for fund transfers from the RDN to an account at another bank via the Securities Company are as follows:
Real Time Online BI Fast LLG RTGS

IDR6,500

IDR2,500

IDR2,900

IDR25,000

Notes:
The type of transaction service will follow the service type selected by the Securities Company.

Simulation 1):

Tapres Balance 2) Interest Rate per Annum According to Balance 3) Monthly Interest Rate4)
IDR20,000,000 0.02% IDR328.77
IDR100,000,000 0.07% IDR5,753.42
IDR600,000,000 0.08% IDR39,452.05
IDR1,010,000,000 0.35% IDR373,561.64

Last Update: Desember 1st, 2024

Current Account Balance Current Account Services per Year as per Balance 3) Nominal Monthly Current Account Services 4)
IDR1,500,000 0.50% -
IDR2,500,000 0.50% IDR1.027,404)
USD10,000 0.20% USD1.324)

Last Update: December 3rd, 2024

BCA Dollar

 BCA Dollar Balance 2) Interest Rate per Annum According to Balance 3) Monthly Interest Rate4)
USD500 0.05% USD0.02
USD250,000 0.80% USD164.38
SGD10,000 0.10% SGD0.82

Last Update: December 3rd, 2024

Remarks:

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 RDN.

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=gross interest amount before tax withholding according to the applicable laws and regulations (Assumption: 1 month = 30 days and 1 year = 365 days).

5) Monthly current account services are earned when meeting the monthly average or daily minimum balance of certain Current Account accounts as determined by BCA.


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