By visiting this site , you have agreed the using of cookies .

Website ini terbaik dilihat dengan browser Internet Explore 11, Google Chrome 48, Mozilla Firefox 43, atau yang terbaru.

BCA Lender Fund Account (RDL)

Simplify the P2P Lending funding transaction process

Why Choose BCA Lender Fund Account (RDL)?

Ease of Account Opening

Opening an account through the web/application of the P2P Lending Company (without going to Branch Office)

Ease of Fund Deposit

Deposits can be made quickly and securely through BCA e-channels (KlikBCA Individu, KlikBCA Bisnis, myBCA, and BCA Mobile), ATMs, Non-Cash ATMs, BCA counters, and transfers from other banks (BI Fast, LLG, RTGS, Inward Remittance).

e-Statement

e-Statement sent to customer’s email every month

List of Peer-to-Peer Lending Companies

The list of Peer-to-Peer Lending Companies connected to RDL BCA

More

BCA Lender Fund Account (RDL)

About Terms and Conditions Important Information Fees, Limits, and Interest Rates

About

Lender Fund Account (RDL)

A Lender Fund Account (RDL) is an account owned by every customer for transactions purposes with the Peer-to-Peer Lending Company. This account is opened on behalf of the customer/lender through a Peer-to-Peer Lending Company that has cooperated with BCA whose fund management is authorized to the Peer-to-Peer Lending Company.

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

  1. The Lender Fund Account cannot be opened with a joint account status.
  2. The Lender 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 the Lender Fund Account in the form of a savings account (Tapres), BCA will not issue or provide any proof of ownership for the holder of the Lender Fund Account including PASPOR BCA Card.
  3. All transactions under the Lender Fund Account can only be conducted:
    1. through KlikBCA and/or other means as determined by BCA; and
    2. by the Peer to Peer Lending ("P2P Lending") Company which has been vested with the authority by the holder of the Lender Fund Account to operate the Lender Fund Account.
  4. The transaction of crediting funds to the Lender Fund Account can be conducted through KlikBCA facility, internet/mobile banking facility, 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 Lender Fund Account in any form and by any means whatsoever.
  5. Any inquiry and request for the balance and transaction history (mutasi) of the Lender Fund Account can only be made by the holder of the Lender Fund Account through the means as provided by the P2P Lending Company and/or through other means as may be determined by BCA which will be notified by BCA to the holder of the Lender Fund Account in any form and by any means whatsoever.
  6. BCA reserves the right to refuse any instructions given by the holder of the Lender Fund Account as long as BCA has not received from the holder of the Lender Fund Account the revocation of the power to manage the Lender Fund Account that has been approved in writing by the P2P Lending Company
  7. The Lender Fund Account can be closed:
    1. by the holder of the Lender Fund Account with the written consent of P2P Lending Company; or
    2. by P2P Lending Company that has been authorized by the holder of the Lender Fund Account to manage such Lender Fund Account.
  8. The closure of the Lender Fund Account must be carried out through P2P Lending Company that has been authorized by the holder of the Lender Fund Account to manage such Lender Fund Account.
  9. The holder of the Lender Fund Account hereby agrees that BCA shall be entitled to close the Lender Fund Account if among others:
    1. the P2P Lending Company's license is revoked by the competent authorities;
    2. BCA is ordered to close the Lender Fund Account by the competent authorities in accordance with the prevailing laws and regulations; and/or
    3. the P2P Lending Company is indicated to commits criminal acts or other activities against the prevailing laws and regulations.
  10. The remaining balance in the Lender Fund Account shall be transferred to the account appointed by the holder of the Lender Fund Account or if instructed otherwise by the competent authorities, to another account appointed by the competent authorities. All accrued rights and obligations of the holder of the Lender Fund Account before the revocation of the P2P Lending Company's license as reffered to in this point 8 shall be settled between the holder of the Lender Fund Account and the P2P Lending Company without involving BCA.
  11. BCA at its sole discretion has the right to refuse the opening and/or close the Lender Fund Account.
  12. The holder of the Lender Fund Account shall be fully liable for any consequences arising from the operation of the Lender Fund Account by the P2P Lending Company 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 Lender Fund Account.
  13. Any dispute arising in connection with the operation of the Lender Fund Account by P2P Lending Company will be settled by the holder of the P2P Lending Company without involving BCA.
  14. This instrument containing the Additional Terms for Holder of Lender Fund Account of BCA constitutes an integral and inseparable part of:
    • The Terms and Conditions for Current Account Holders of PT Bank Central Asia Tbk (BCA)
    • The Terms and Conditions for Tabungan Prestasi ("TAPRES") PT Bank Central Asia Tbk (BCA) and/or any other provisions as may be applicable to the Lender Fund Account.
  15. BCA has given explanation and asked for confirmation from the holder of the Lender Fund Account about the explanation of benefits, fees, and risks related to BCA products above.
  16. In the event of any difference and/or inconsistency between these Additional Terms for Holder of Lender Fund Account of BCA and the provisions as specified in point 12 above, then this Additional Terms for Holder of Lender Fund Account of BCA shall apply.
  17. The holder of the Lender Fund Account hereby states that it agrees to be bound by these Additional Terms for Holder of Lender Fund Account of BCA, the provision as set out in point 12 above, provisions concerning the Lender Fund Account e-Statement, and other provisions stipulated by BCA in connection with the opening of the Lender 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 Lender Fund Account hereby declares that it has read, understood, and agreed to the contents of the Additional Terms for Holder of Lender Fund Account of BCA as described above.

Download PDF

Important Information

Requirements and Procedures:

  • The RDL 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
  • For the opening of a current account, certain documents may be subject to stamp duty.
  • The customer must provide the required documentation.

Type of Customer

Required Documents :

  • Identity Card (electronic Resident ID Card (e-KTP) for Indonesian citizens/Passport for foreign citizens)
  • Tax ID Number (NPWP), for Indonesian citizens **
  • Stay Permit (Limited Stay Permit (KITAS) /Permanent Stay Permit (KITAP)), for foreigner customers only
  • 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.
  • Identity Card and Tax ID Number (NPWP) of all members of the Company’s Boards
  • Identity Card and Tax ID Number (NPWP) of all Shareholders
  • Tax ID Number for Non-Individual Entity**
  • Deed of Establishment
  • Articles of Association
  • Deed of Amendment (if any)
  • Deed containing the composition of the current boards of the company
  • Letter of validation, approval, and/or receipt acknowledgment of notice issued by 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 Cooperative’s Boards
  • Tax ID Number for Non-Individual Entity**
  • Deed of Establishment
  • Articles of Association
  • Document containing the latest composition of the current boards of the Cooperative that has been registered with the Ministry/institutions in charge of Cooperatives
  • Business Identification Number (NIB)
  • Other permits and licenses***
  • Identity Card and Tax ID Number (NPWP) of all
  • Tax ID Number for Non-Individual Entity**
  • Deed of Establishment
  • Articles of Association
  • Deed containing the composition of the current management 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
  • 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 or Power of Attorney
    • Current composition of the company’s boards
  • Business Identification Number (NIB)
  • Other licensing documents *** required of a representative office of a foreign company in Indonesia
  • Identity Card and Tax ID Number (NPWP) of all members of the Foundation’s Boards
  • Tax ID Number for Non-Individual Entity**
  • Deed of Establishment
  • Articles of Association
  • Deed of Amendment (if any)
  • Deed containing the composition of the current boards of the company
  • Letter of validation, approval, and/or receipt acknowledgment of notice issued by the Minister of Law and Human Rights
  • Business Identification Number (NIB)
  • Registration Certificate issued by the competent authority (only for a social foundation established in DKI Jakarta)
  • Other permits and licenses ***
  • Identity Card and Tax ID Number (NPWP) of all members of the company’s boards
  • Tax ID Number for Non-Individual Entity**
  • 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 members of the management boards
  • 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 (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 raising 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 boards
  • 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 boards
  • Identity Card and Tax ID Number (NPWP) of all members of the management boards
  • 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 for Non-Individual Entity**
  • 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:

* Special online RDL opening is only valid for Individual Indonesian customers who already have an

identity card with the type of RDL opened is Tapres and does not have tax obligations abroad.

** 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 along with the other supporting documents following the provisions at BCA

Customers 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

Media Sosial:

Facebook : GoodLife BCA
Instagram : @goodlifebca
Youtube : Solusi BCA
X (Twitter) : @BankBCA

Main Features of RDL

  • The RDL 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 Peer-to-Peer Lending Company on behalf of the customer.
  • The types of accounts for the Lender Fund Account include Tabungan Prestasi (Tapres)/Current Account (Giro)
  • The currency type is IDR
  • The RDL 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 balance.
  • No checkbook/Paspor BCA Card, no electronic banking product facilities, and no credit and overdraft facilities provided.
  • The RDL 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-statement.

Benefits

  • Account balance and transaction activity information can be accessed through myBCA Application and the Peer-to-Peer Lending Company’s App.
  • e-Statements are sent to the customer’s email address monthly.

Risks

  • The Peer-to-Peer Lending Company is authorized to debit and credit funds from/to the RDL.
  • The Customer cannot directly debit or withdraw funds from the RDL without going through the Peer-to-Peer Lending 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).
  • The savings interest will be credited to the Customer’s account at the end of the relevant 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 may apply for the closure of the RDL through the Peer-to-Peer Lending 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.

Fees, Limits, and Interest Rates

Fees

  • Income tax withholding: 20% of the interest/current account interest amount.
  • Transfer fees charged to the Customer for fund transfers from the RDL to an account at another bank via the Peer-to-Peer Lending Company are as follows:
BI Fast LLG RTGS
IDR2,500 IDR2,900 IDR25,000

Notes:

The type of transaction service will follow the service type selected by the Peer-to-Peer Lending Company.

Interest Rate:

Following the interest rate of Tapres/Giro services in accordance with applicable regulations.

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% IDR28,452.05
IDR1,010,000,000 0.15% IDR124,520.55

Last Update: March 1st, 2025

Current Account Balance 2) Giro Service 3) Monthly Giro Fee 4)
IDR1,500,000 0.50% -
IDR2,500,000 0.50% IDR1,027,405)

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 average monthly balance of the RDL.

3)  The Interest rate/Current Account Interest rate may change at any time in line with market conditions and the change will be notified to the Customer via BCA’s information channels, including the official website www.bca.co.id

4) Interest/Current Account 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) The Customer will earn the Monthly Current Account Interest if the Customer meets the average monthly balance of the Current Account according to the provisions applicable at BCA.

The information provided in this product/service is part of the General Product and/or Service Information Summary (RIPLAY).

;

Anda akan meninggalkan BCA.co.id

Dengan mengklik ‘Lanjutkan’, Anda akan diarahkan menuju website di luar www.bca.co.id yang tidak terafiliasi dengam BCA dan mungkin memiliki tingkat sekuriti yang berbeda. BCA tidak bertanggung jawab dan tidak mendukung, menjamin, mengendalikan konten, mengendalikan ketersediaan dan perspektif atas produk-produk atau layanan-layanan yang ditawarkan atau dinyatakan oleh website tersebut.

Lanjutkan Batal