BCA Dollar

Ease of saving and investing at once

Why BCA Dollar?

2 Currency Options

Available in USD and SGD

Convenient

Get a BCA Dollar card that functions as an ID card and an ATM BCA card

Simple

Access to accounts and any kind of transactions can be done easily via BCA e-Banking

BCA Dollar

About Important Information Fees, Limits, and Interest rate Terms and Conditions Get the service

BCA Dollar

BCA Dollar is a savings product available to BCA Customers who wish to save and invest in USD or SGD.

Benefits


Competitive
Ease of depositing and withdrawing USD/SGD banknotes with 1:1 conditions
SMS & e-mail Info Service
Get transaction information via SMS or E-mail

Important Information


  • Make sure the BCA Dollar Card is in your hands and keep your PIN confidential.

Requirements and Procedure

  • Account opening is reserved for individual customers (whether Indonesian or foreign citizens) that already hold an identity card.
  • The customer fills out the account opening application form and accepts the terms therein.
  • The customer provides the required documentation.
  • Type of Customer

    Required Documentation

    Adult Individual 

    • Identity Card (electronic Resident ID Card (KTP-el) for Indonesian citizens/Passport for foreign citizens)
    • Stay Permit (Limited Stay Permit (KITAS) /Permanent Stay Permit (KITAP)), for foreign citizens
    • Tax ID Number (NPWP)*, for Indonesian citizens

    * Note: If the customer does not have/has not already had the Tax ID Number (NPWP), the customer can substitute it with a Statement Letter explaining that the customer does not have the Tax ID Number (NPWP).

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 BCA Dollar

Main Features of BCA Dollar:

  • Available in 2 foreign currencies, i.e., United States Dollar (USD) and Singapore Dollar (SGD).
  • No minimum balance requirement.
  • No minimum balance requirement per month.
  • Competitive interest rates. For details on interest rates, please check BCA’s official website at www.bca.co.id.
  • 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.
  • The Customer will receive information on the customer’s account transaction history in the form of hard copy (Account Statement) or soft copy (e-Statement) by downloading it directly from the channels owned by the customer.
  • Deposits and/or withdrawals in relation to BCA Dollar made in a different currency will be subject to the applicable exchange rates. Information on BCA’s competitive exchange rates is available on BCA’s official website at www.bca.co.id.

Benefits:

  • Allowing the Customer to save and invest money at the same time in a foreign currency (USD or SGD).
  • The Customer will get a BCA Dollar Card, which can be used both at the Teller (BCA Branch Office) and at BCA ATMs to make transactions.
  • Withdrawals in Rupiah or non-cash withdrawals in a foreign currency from all Foreign Currency accounts can be made at all branch offices.
  • The Customer can apply for the BCA Dollar account facilities, such as Internet Banking, Mobile Banking BCA, Info Service via SMS/email, and BCA by phone.
  • Reliable Security. BCA ATM PIN, m-BCA PIN, and KeyBCA make the customer’s transactions secure and convenient.

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.
  • All banknotes already deposited into BCA Dollar cannot be withdrawn on the same day.
  • Withdrawal of USD Banknotes from a BCA Dollar USD account can be made at the designated Main Branch Office or Sub-Branch Office. However, cash withdrawal in a foreign currency from a BCA Dollar SGD account can only be made at the branch office where the account is opened or at another branch under the same coordinating office.
  • Because BCA Dollar is a foreign currency savings account, it may be affected by exchange rate fluctuations in response to market conditions.
  • BCA Dollar interest rates may fluctuate in line with market developments.
  • If the balance remaining in the BCA Dollar account, whether USD and SGD, is zero and there are no transactions for 12 consecutive months, the account will be automatically closed.

Simulation:

BCA Dollar Balance 2)

Interest Rate p.a.
 according to Balance 3)

Monthly Interest Amount 4)

USD500

0.05%

USD0.02

USD250,000

0.80%

USD164.38

SGD10,000

0.10%

SGD0.82

Last Update: 03 December 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 BCA Dollar account.

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 is 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

  • BCA Dollar interest will be credited to the customer’s account at the end of the relevant month.
  • A decrease in the BCA Dollar interest rate will result in a reduction in the interest amount received by the customer.
  • BCA Dollar cannot be opened in the form of a joint account.
  • Any purchase of foreign currency from a Rupiah source account over the equivalent of USD100,000 per month per customer must be accompanied by underlying documents.
  • The Customer may apply for the savings account closure at the branch office and the Customer will incur an account closure fee
  • BCA has the right to change the benefits, fees and charges, risks, including the terms and conditions for this product and/or service, and such change will be notified by BCA in any form and through any means in accordance with the applicable law. The notice will be provided at least 30 calendar days before the changes take effect.
  • The Customer may receive offerings for other products from other parties outside of BCA that have entered into a cooperation agreement with BCA, if the Customer gives consent to BCA to provide the customer’s data to such other parties that have entered into a cooperation agreement with BCA.
  • The Customer may receive offerings for BCA’s products and/or services or the products and/or services belonging to other parties that have entered into a cooperation agreement with BCA via personal communication channels, if the Customer gives consent to BCA to deliver such product and/or service offerings via personal communication channels.
  • All other information regarding the fees and charges, benefits, and risks can be accessed on BCA’s official website at www.bca.co.id.

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, understood, and signed the BCA Dollar product as described in this Product and Service Information Summary.
  • This summary is simply a means of providing product and/or service information for prospective/existing customers and is not intended as an official offer for a product and/or service.
  • The Customer must read, understand, and sign the BCA Dollar account opening application form.
  • The information contained in this Product and Service Information Summary shall be effective 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 open a BCA Dollar account and may contact the Bank’s employee or call Halo BCA at 1500888 to inquire about all matters or file complaints related to this Product and Service Information Summary.

Fees, Limits & Interest Rates

Interest rate

BCA Dollar USD

Balance (USD)

Interest rate (%pa)

< USD 1.000 0,05 %
≥ USD 1.000 - < 10 Thousand 0,08 %
≥ USD 10 Thousand - < 50 Thousand 0,15 %
≥ USD 50 Thousand - < 100 Thousand 0,25 %
≥ USD 100 Thousand - < 200 Thousand 0,50 %
≥ USD 200 Thousand 0,80 %

Effective: December 01, 2023


BCA Dollar SGD

Balance (SGD)

Interest rate (%pa)

<200 0,10
≥200 0,10

Effective: November 4, 2019

Placement

The minimum initial placement is USD100 or SGD200.

Fees

  • Income tax withholding: 20% of the interest amount.
  • No penalty will be imposed if the customer’s average balance does not reach the minimum monthly average balance.
  • Fee for card issuance/replacement: Free.
  • Monthly administration fee: USD1 or SGD2.
  • Fees for Interbank transactions on the ATM network:-
  • Fees for funds transfer from BCA Dollar as the source account are as follows:
  • Description

    Between BCA Accounts

    Interbank (Outward Remittance)

    Via BCA Branch Office

    Free

    Rp50,000

    Via e-Channel

    Free 

    Rp35,000

    Fee (funds remittance in the same currency)

    Free

    0.125%

    Min. USD5, max. USD150

  • The complete list of Outward Remittance (OR) fees can be viewed on BCA’s official website at www.bca.co.id.
  • Any withdrawal of banknotes at a BCA branch office in excess of USD/SGD1,000 must be notified to BCA 1 (one) day in advance; otherwise, the customer will be charged a fee of Rp100,000.
  • Account closure fee: USD5/SGD2.
  • There is no replacement fee for lost/damaged passbooks, for no passbooks are issued for BCA Dollar.

Limit

  • Below are the daily limits for BCA Dollar transactions:

    Type of Transaction

    Limit

    Via BCA ATM

    Cash Withdrawal 1)

    Rp15.000.000 (equivalent)

    Transfer between BCA Accounts 2)

    Rp100.000.000 (equivalent)

    Via m-BCA

    Transfer between BCA Accounts 2)

    Rp100.000.000 (equivalent)

    Via myBCA

    Transfer to Own BCA Account3)

    No limit

    Transfer between BCA Accounts 4)

    Rp300.000.000 (equivalent)

    Cash Withdrawal Without a Card (Cardless) 5)

    Rp15.000.000 (equivalent)

    Via Internet Banking

    Transfer between BCA Accounts 6)

    Rp500.000.000 (equivalent)

    Last Update : 19 January 2024

    1) The limit for cash withdrawals using the BCA Dollar card is a combined limit with the limit for cardless cash withdrawals.

    2) The limit for transfers between BCA Accounts via the BCA ATM is a combined limit with the limit for transfers between BCA Accounts via m-BCA.

    3) Applicable to transfers to all Own BCA Accounts (Rupiah/foreign currency accounts).

    4) The combined limit for transfers between BCA accounts other than transfers to own accounts is the maximum daily transaction limit per BCA ID. The complete information on myBCA transaction limits can be viewed on BCA’s official website at www.bca.co.id.

    5) The daily limit for cash withdrawals without a card (cardless) via myBCA mobile per BCA ID.

    6) The combined limit for transfer transactions via Internet Banking is the maximum daily transaction limit per user ID. The complete information on Internet Banking transaction limits can be viewed on BCA’s official website at www.bca.co.id.

  • The Customer can deposit and withdraw Banknotes with a 1:1 condition (not subject to the applicable exchange rates for the same currency), subject to the following provisions:

    Type of Transaction

    Amount

    Deposits*

    BCA Dollar USD

    Deposit of up to USD50,000/day/account

    1:1

    Deposit of more than USD50,000/day/account

    Subject to a 0.5% fee on the excess amount

    BCA Dollar SGD

    Deposit

    1:1

    Withdrawals

    BCA Dollar USD

    Withdrawal of up to USD10,000/month/account

    1:1

    Withdrawal of more than USD10,000/month/account

    Subject to a 0.5% fee on the excess amount

    BCA Dollar SGD

    Withdrawal of up to SGD10,000/month/account

    1:1

    Withdrawal of more than SGD10,000/month/account

    Subject to a 0.5% fee on the excess amount

    *Note: Deposits of Banknotes that are not in good physical condition and/or are in small denominations into a foreign currency account denominated in the same currency will be processed with a 1:1 condition, but the customer will be charged a 0.25% fee.

TERMS AND CONDITIONS FOR BCA DOLLAR ACCOUNT
PT BANK CENTRAL ASIA Tbk (“BCA”)

A. GENERAL TERMS AND CONDITIONS

  1. BCA Dollar Account Depositor means an adult individual that owns a valid identity card in accordance with the prevailing law (hereinafter referred to as the “Depositor”).
  2. A Prospective Depositor of foreign nationality (WNA) that does not own a Limited Stay Permit Card (KITAS) or Permanent Stay Permit (KITAP) may open a BCA Dollar account, subject to the following conditions:
    1. When applying for the opening of a BCA Dollar account, the prospective Depositor is not a BCA customer;
    2. The prospective Depositor must submit certain additional documents as required by BCA;
    3. The prospective Depositor may have only 1 (one) BCA Dollar account;
    4. The prospective Depositor must maintain the balance of his/her BCA Dollar account at any time not to exceed USD 50,000 (fifty thousand United States Dollars) or equivalent or any other amount as may be notified by BCA in any form and by any means in accordance with the prevailing law. BCA reserves the right to block the funds credited to the Depositor’s BCA Dollar account (no credit) if the balance of the Depositor’s BCA Dollar account exceeds the prescribed maximum limit and ask the Depositor to provide BCA with additional documents for the purpose of Customer Due Diligence (CDD).
  3. BCA will issue a BCA Dollar card (hereinafter referred to as the “BCA Dollar Card”) that can be used by the Depositor to make a deposit, withdrawal, inhouse transfer, and other transactions as may be determined by BCA (hereinafter referred to as the “Transaction”) through the teller counter, BCA ATM and/or other facilities as may be determined by BCA.
  4. 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 Depositor hereby authorizes BCA to:
    1. display the name and/or account number of the Depositor on the BCA facilities used to conduct fund transfer transactions;
    2. provide data on the name and/or account number of the Depositor 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.
  5. 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 Depositor 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 Depositor hereby authorizes BCA to:
    1. display the name and/or account number of the Depositor on the account statement and transaction report issued by BCA.
    2. provide data on the name and/or account number of the Depositor 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 facility for fund transfer/payment, as well as to other parties who receive funds from transactions made by the Depositor.
  6. The BCA Dollar Card is issued only for the benefit of the Depositor and must not be transferred to other persons in any way. All consequences arising from any misuse of the BCA Dollar Card shall be the sole liability of the Depositor.
  7. The BCA Dollar Card must not be used for purposes other than to conduct any of the Transactions.
  8. Every time the Depositor use the BCA Dollar Card, the Depositor must enter a Personal Identification Number (PIN). The Depositor must keep the confidentiality of the PIN and must not disclose his/her PIN to other persons. All consequences arising from any misuse of the PIN shall be the sole liability of the Depositor.
  9. The use of the PIN on BCA ATMs or any other facilities as determined by BCA has the same legal force as a written order signed by the Depositor.
  10. If the BCA Dollar Card is stolen or lost, the Depositor must immediately provide BCA with a written notice of such theft or loss. The notice must be made and signed by the Depositor in the form and substance satisfactory to BCA and submitted to a BCA branch office during BCA business hours. If the Depositor is unable to come to the BCA branch office, the notification can be made through HALO BCA.
  11. Any notice of theft or loss of the BCA Dollar Card, whether submitted to a BCA branch office or provided via HALO BCA, will be followed by a blockage by BCA of the relevant account linked to the BCA Dollar Card. The blockage will remain effective until BCA receives a written request from the Depositor to release the blocked account and the BCA Dollar Card. As long as the notice of theft or loss has not been received by BCA, any Transaction made using the stolen or lost BCA Dollar Card shall be the sole liability of the Depositor.
  12. The written request to release the blocked account linked to the stolen or lost BCA Dollar Card can be submitted by the Depositor to a BCA branch office. BCA has the right to verify the identity of the Depositor when the Depositor requests the release of the blocked account linked to the stolen or lost BCA Dollar Card.
  13. BCA will not process any Transaction involving the account whose BCA Dollar Card has been reported lost by the Depositor to BCA, however such account can still receive incoming funds. To conduct Transactions again with the account linked to the BCA Dollar Card, the Depositor can apply for a replacement of the BCA Dollar Card at the BCA branch office.
  14. The Depositor must not use the BCA Dollar account 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.
  15. The Depositor must not use the funds in the BCA Dollar account 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.
  16. BCA reserves the right to block the Depositor’s account, reject any transaction involving the Depositor’s account, and/or terminate the business relationship with the Depositor if:
    1. the Depositor fails to comply with the prevailing law;
    2. the Depositor fails to provide any information and supporting documents in accordance with the prevailing law;
    3. the Depositor is known to have used and/or reasonably suspected of using false documents and/or providing incorrect data to BCA;
    4. the Depositor provides questionable information; and/or
    5. the Depositor’s source of transaction funds is known to emanate from and/or reasonably suspected of emanating from a crime.
  17. The Depositor is entitled to obtain a BCA Dollar Account Activity Statement. If within 14 (fourteen) days after the BCA Dollar Account Activity Statement is provided by BCA, the Depositor does not file any objection with a BCA branch office issuing the BCA Dollar Card, the Depositor is deemed to have accepted all the data contained in the BCA Dollar Account Activity Statement.
  18. The BCA Dollar Account Activity Statement will be provided to the Depositor in the following manner:
    1. The BCA Dollar Account Activity Statement is sent to the Depositor’s address.
    2. If the BCA Dollar Account Activity Statement has been sent to the Depositor’s address, but was returned to BCA, then:

      1. BCA will keep the BCA Dollar Account Activity Statement for 3 (three) months from the date of its issuance. After the 3 (three) month period has elapsed, the relevant BCA Dollar Account Activity Statement will be destroyed.
      2. In relation to the provision of item a above, if the BCA Dollar Account Activity Statement is returned to BCA for any reason for 3 (three) consecutive months, BCA will cease sending the BCA Dollar Account Activity Statement to the Depositor. If the Depositor wishes to have the BCA Dollar Account Activity Statement sent again to the Depositor’s address, the Depositor may come to a BCA branch office designated by BCA to reapply for the sending of the BCA Dollar Account Activity Statement to the Depositor.
    3. The BCA Dollar Account Activity Statement is collected by the Depositor.
    4. If the BCA Dollar Account Activity Statement is not collected by the Depositor within 3 (three) months from the date of its issuance, the relevant BCA Dollar Account Activity Statement will be destroyed. If the Depositor fails to collect the BCA Dollar Account Activity Statement for 3 (three) consecutive months, the BCA Dollar Account Activity Statement will no longer be issued until the Depositor reapplies for the issuance of the BCA Dollar Account Activity Statement at a BCA branch office designated by BCA.

  19. If the BCA Dollar Account Activity Statement sent to the Depositor’s address is received by the Depositor in an opened or damaged condition, the Depositor must write a note 'opened or damaged' on the receipt for the BCA Dollar Account Activity Statement. Furthermore, the Depositor must report such opened or damaged condition of the BCA Dollar Account Activity Statement to the BCA branch office issuing the BCA Dollar Card by bringing such BCA Dollar Account Activity Statement.
  20. If there is a discrepancy between the balance in the BCA Dollar account and the balance on record with BCA, the balance or records held by or recorded at BCA will prevail, unless proven otherwise.
  21. The Depositor must pay all charges and fees for the issuance and/or use of the BCA Dollar Card, including but not limited to the BCA Dollar Card production/replacement fee, administration fee, transaction fee, and other charges and fees.
  22. The amounts of such charges and fees and any changes thereto will be notified to the Depositor in any form and by any means according to the applicable law. Such charges and fees will be debited directly by BCA from the Depositor’s account.

  23. The [nama ketentuan] will be automatically closed by the system if the balance in the account is IDR 0 (zero rupiah), and no debit and credit transactions were made in said account for 12 (twelve) consecutive months.
  24. The Depositor must notify BCA in writing of any changes to the Depositor’s data.
  25. The Depositor hereby authorizes BCA to provide the Depositor‘s data to any party other than BCA that has entered into a cooperation agreement with BCA, for promotional activities or other commercial purposes.
  26. In the event of the Depositor’s death, BCA may request any documentation of heirship as required by BCA as the basis for liquidating the balance in the BCA Dollar account and paying the same to the rightful beneficiary(-ies) as specified in the documentation of heirship. Once the balance in the BCA Dollar account owned by the deceased Depositor has been liquidated and paid to the rightful beneficiary(-ies) or attorney(s)-in-fact as specified in the documentation of heirship, BCA is released and forever discharged from any liability whatsoever in connection with such account.
  27. If the Depositor later applies for such facilities as m-BCA, KlikBCA, and/or other facilities associated with the BCA Dollar account, the Depositor hereby agrees to be bound by the terms and conditions of such m-BCA, KlikBCA, and/or other facilities associated with the BCA Dollar account used by the Depositor.
  28. As long as the Depositor still has outstanding debts to BCA under any credit facility, L/C, bank guarantee or guarantee provided by the Depositor (borgtocht), interest, facility fee (provisi), Cheque/Bilyet Giro book charges, stamp duty, draft, letter of acceptance or other commercial papers signed by the Depositor as an acceptor, endorser, or drawer, guarantor or arising from 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 Depositor to debit the Depositor’s BCA Dollar account and apply the proceeds to repay any amounts at any time owing to BCA. Any consequences arising from the debiting of the BCA Dollar account under the power granted by the Depositor shall be the sole responsibility of the Depositor.
  29. BCA has the right to rectify the balance of the Depositor’s account in the event of any mistake made by BCA in inputting the relevant data.
  30. The Depositor holds BCA harmless against all claims, lawsuits, and/or other legal proceedings and for any losses arising from the forgery of a BCA Dollar Card that is not caused by BCA’s fault.
  31. BCA shall not be responsible for any damage to and/or failure of BCA ATMs and/or other facilities due to causes beyond BCA’s control.
  32. The Depositor hereby acknowledges that all records, printouts, recordings, communication media, or other evidence of any nature held by BCA in connection with the electronic banking transactions conducted by the Depositor constitute valid and conclusive evidence binding on the Depositor, unless proven otherwise. The data connected with the electronic banking transactions conducted by the Depositor will be stored by BCA in accordance with the prevailing law.
  33. All data connected with the BCA Dollar account will be held and stored by BCA in accordance with the prevailing law.
  34. The Depositor’s funds at BCA are guaranteed by the Indonesia Deposit Insurance Corporation (Lembaga Penjamin Simpanan, or “LPS”) to the extent of the maximum limit stipulated by the LPS.
  35. The LPS does not guarantee any deposit with interest at the rate exceeding the maximum interest rate stipulated by the LPS.

  36. BCA shall offer products/services of BCA and other parties in cooperation with BCA through means of personal communication. If the Depositor disagree, the Depositor may contact Halo BCA.
  37. The Depositor agrees that BCA may continue to use the Depositor’s personal data and/or information after the termination of the use of BCA Dollar account.
  38. The Depositor hereby authorizes BCA to provide the Depositor‘s data to a paying bank in order to enable the paying bank to make payment to the designated recipient with regard to the Depositor's remittance transaction.
  39. By opening the BCA Dollar account, the Depositor is bound by and agrees to the terms and conditions applicable at BCA, including the provisions and rules governing all the services/facilities and Transactions covered by the BCA Dollar Card. BCA may at any time amend any provisions and rules governing all the services/facilities and Transactions covered by the BCA Dollar Card, and such amendment will be notified by BCA in any form and by any means in accordance with the prevailing law.

B. DEPOSITS AND WITHDRAWALS

  1. The initial deposit must be at least USD 100.- (one hundred United States Dollars) for an account denominated in USD (United States Dollar) and at least SGD 200.- (two hundred Singapore Dollars) for an account denominated in SGD (Singapore Dollar), or at least USD 2,000.- (two thousand United States Dollars) or equivalent (for Depositors of foreign nationality that does not hold the KITAS/KITAP).
  2. BCA has the right to amend the provisions concerning such minimum initial deposit amount from time to time, and such amendment will be notified by BCA in any form and by any means in accordance with the prevailing law.

  3. Deposits can be made at any time at the teller counter during BCA business hours.
  4. Deposits are made using the Deposit Slips provided and can be made at any BCA foreign exchange branch office that accepts BCA Dollar transactions.
  5. Deposits in the form of foreign currency banknotes that exceed the maximum amount determined by BCA will be subject to commission, which will be charged in accordance with the provisions applicable at BCA.
  6. Any deposit made in a different currency from the currency of the BCA Dollar account will be converted into the currency of the BCA Dollar account by using the exchange rate applicable at BCA. Any losses arising from the deposit due to currency devaluation/depreciation shall be the full responsibility of the Depositor.
  7. Deposits in forms of Cheques, Bilyet Giro, drafts, and other instruments of similar nature will be credited to the BCA Dollar account once the amounts are received by BCA in good funds, and this provision also applies to all incoming remittances.
  8. If any of the instruments described above is rejected by the issuing bank, the rejected instrument can be collected by the depositor within 30 (thirty) calendar days of the rejection date. If the depositor fails to collect the rejected instrument within such period, BCA is not responsible for any consequences arising from the Depositor’s failure to collect the rejected instrument.
  9. If the Depositor requests BCA to make a collection (inkaso) of an instrument from the relevant issuing bank, BCA has the right to appoint a correspondent bank to carry out the collection.
  10. Any failure or delay by such correspondent bank in conducting the collection with the issuing bank or transferring the proceeds to BCA as well as any loss arising from the collection process, including but not limited to the currency devaluation/depreciation of the instrument that is still in the process of collection or transfer, shall be the sole responsibility of the Depositor.

  11. Cash withdrawals or funds transfer from the BCA Dollar account can be made at any time through the teller counter during BCA business hours or through BCA ATMs and/or other facilities as may be determined by BCA. For cash withdrawals in United States Dollar (USD) banknotes from a BCA Dollar account denominated in United States Dollar, the Depositor can make the withdrawals at the BCA branch office where the BCA Dollar account is opened or at another BCA branch office designated by BCA or, if BCA amends the relevant provisions, according to the successor provisions, which will be notified by BCA in any form and by any means in accordance with the prevailing law.
  12. Whenever the Depositor makes a cash withdrawal or a funds transfer through the teller counter, the Depositor must produce his/her BCA Dollar Card to the BCA officer. To process the cash withdrawal or funds transfer transaction, BCA will use an Electronic Data Capture (EDC) machine.
  13. Any cash withdrawal or funds transfer in a different currency from the currency of the BCA Dollar account will be processed according to the exchange rate applicable at BCA.
  14. Cash withdrawals or fund transfers by a person other than the Depositor himself/herself can only be made at the BCA branch office and the Depositor’s attorney-in-fact must present a duly fiscal-stamped power of attorney from the Depositor as well as the Depositor’s identity card and the attorney-in-fact’s original identity card.
  15. If the signature on the Withdrawal Slip is different from the signature on the BCA Dollar Card and/or other supporting documents as may be required by BCA, BCA may refuse to process the Transaction or otherwise request the original identity card of the Depositor. If the Depositor is unable to produce his/her identity card to BCA, BCA reserves the right to hold the BCA Dollar Card for further examination until BCA is assured that the withdrawal is duly made by the authorized or correct Depositor or refuse to process the Depositor’s Transaction until the Depositor can produce his/her original identity card to BCA.
  16. BCA has the right to request the Depositor to show his/her original identity card when the Depositor makes cash withdrawals in a certain amount through the teller counter.

C. CALCULATION AND PAYMENT OF INTEREST

  1. The BCA Dollar account pays interest according to the provisions applicable at BCA calculated based on the monthly average balance in the relevant month.
  2. Interest will be paid at the end of the relevant month and will be directly credited or added to the balance of the Depositor’s BCA Dollar account on record with BCA.
  3. The interest rate will be determined by BCA. BCA has the right to change the interest rate at any time and will notify the Depositor of such change in any form and by any means in accordance with the applicable law.
  4. Any interest income shall be subject to tax in accordance with the prevailing tax law, and the tax shall be borne by the Depositor.
  5. Notwithstanding the above provisions, the Depositor may request BCA not to pay interest on the Depositor's deposits in the BCA Dollar account. In connection therewith, the Depositor will still earn interest on the monthly average balance in BCA Dollar account in the current month proportionally calculated from the beginning of the current month until 1 (one) calendar day prior to the date of completion of the processing of the Depositor's request to BCA not to pay interest.
  6. If the Depositor submits a request to BCA to pay interest again on the Depositor's deposits in the BCA Dollar account, the BCA Dollar account will pay interest on the monthly average balance calculated from the beginning of the current month.
  7. The Depositor's request to BCA to pay or not to pay interest on the Depositor's deposits in the BCA Dollar account can be submitted to BCA branch offices by filling out and signing a form provided by BCA. The Depositor is fully responsible for any consequences arising in connection with the non payment or payment of interest conducted by BCA at the request of the Depositor.

D. PROCEDURE

Use of BCA Dollar Card

  1. The BCA Dollar Card can be used by the Depositor to conduct the following transactions:
    1. cash withdrawals in Rupiah on BCA ATMs;
    2. funds transfer between BCA accounts through BCA ATMs in the currency determined by BCA;
    3. other transactions as may be determined by BCA through the teller counter, BCA ATM and/or other facilities determined by BCA.
  2. Below is the procedure or manual for using the BCA Dollar Card through BCA ATMs.
    1. insert the BCA Dollar Card;
    2. enter the PIN. If the Depositor enters the wrong PIN 3 (three) times in a row, the BCA Dollar Card will be blocked. The Depositor can request BCA to unblock the BCA Dollar Card at a BCA branch office by taking the relevant BCA Dollar Card and his/her ID card to the bank officer;
    3. select the desired type of transaction.

Replacement of BCA Dollar Card

  1. If the BCA Dollar Card is damaged, the Depositor can apply for a replacement at the BCA branch office issuing the BCA Dollar
  2. If the Depositor requests a replacement for his/her BCA Dollar Card, the Depositor must show the damaged BCA Dollar Card to BCA.

Closure of BCA Dollar Account

If the Depositor wishes to close the BCA Dollar account, the Depositor must:

  • Provide BCA with a written notice of the Depositor’s intention to close the BCA Dollar account
  • Produce the Depositor’s BCA Dollar Card to the BCA branch office.

The Depositor will incur a closing fee when closing the BCA Dollar account. The amount of the closing fee of the BCA Dollar account will be notified by BCA to the Depositor in any form and by any means in accordance with the prevailing law.

Complaints Handling

  1. Any complaints to BCA in connection with the use of the BCA Dollar Card may be lodged by the Depositor with any BCA branch office or with HALO BCA. For the purpose of handling a complaint, BCA may ask the Depositor to provide BCA with a copy of the Depositor’s identity card and other supporting documents (if necessary).
  2. BCA will respond to such complaint in accordance with the prevailing law.
  3. Any complaints relating to the BCA Dollar account must be lodged by the Depositor with BCA within no later than 3 (three) months of the Transaction date.

E. DISPUTE RESOLUTION

  1. The Depositor agrees that any dispute or difference of opinion arising from and/or in connection with the implementation of the Terms and Condition for BCA Dollar Account of PT BANK CENTRAL ASIA Tbk (“BCA”) will be resolved in an amicable manner.
  2. Any dispute or difference of opinion that cannot be resolved by deliberation between the Depositor and BCA will be resolved through banking facilitation (fasilitasi perbankan) at Bank Indonesia or the Financial Services Authority or mediation through Alternative Dispute Resolution listed in the List of Alternative Dispute Resolution Agencies issued by the Financial Services Authority.
  3. Any dispute or difference of opinion that cannot be resolved by deliberation, banking facilitation, and/or mediation as described in item 2 above will be resolved through the District Court of Central Jakarta, without prejudice to BCA's right to file a suit or claim through any other District Court within the territory of the Republic of Indonesia.

F. LANGUAGE

    These Terms and Conditions for BCA Dollar Account of PT BANK CENTRAL ASIA Tbk ("BCA") are made and signed in 2 (two) versions of languages, namely Indonesian and English. In the event that there is a discrepancy in interpretation between the versions of Indonesian and English, then the version of Indonesian language shall prevail.

IMPORTANT: THE DEPOSITOR IS PROHIBITED FROM STORING OR LEAVING THE DEPOSITOR’S BCA DOLLAR CARD WITH BCA

These Terms and Conditions for BCA Dollar Account 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

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