Placement Amount
Rp 30,000,000
Tenor
1 Years
Interest Rate per Year
10,00%
Interest Rate per Year
Rp 5.250.000
Estimated Interest Tax of 20%
Rp 5.250.000
Estimated Total Deposit Accumulation
Rp 5.250.000
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The great option of investment
Available in 9 currencies, i.e., IDR, USD, SGD, HKD, AUD, JPY, GBP, EUR, CNH
Flexible choices of tenors, namely, 1, 3, 6, or 12 months
The Time Deposit interest can be credited to the customer's Savings or Current Account, whether at BCA or at other banks
Time Deposit
Time Deposit
BCA Time Deposit is a great option for investment. Those who wish to set aside a portion of their savings for investment may consider BCA Time Deposit as an option. The money will do its own thing for the customer. With various choices of tenors and competitive interest rates, BCA Time Deposit can be the right option for customers looking to invest in both Rupiah and 8 other foreign currencies.
BCA Time Deposit is a time deposit product, and thus the customer can make a deposit and a withdrawal at certain times only.
Important Information
Requirements and Procedure
Type of Customer
*Note: If the customer does not have/has not already had the Tax ID Number, the customer can substitute it with a Statement Letter explaining that the customer does not have the Tax ID Number.
**Notes:
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 Deposit
Main Features of Time Deposit:
Benefits:
Risks:
Type of Transaction |
Amount |
Liquidation of a USD/SGD/CNH Time Deposit into a Foreign Currency Account (same currency) |
1:1 |
Liquidation of a USD/SGD/CNH Time Deposit into a Foreign Currency Account (different currency) |
The applicable Telegraphic Transfer (TT) exchange rates shall apply |
Liquidation of a Foreign Currency Time Deposit into a Rupiah Account |
The TT buy rate shall apply |
Liquidation of a USD/SGD/CNH Time Deposit in Banknotes (same currency) |
1:1, subject to an additional fee if the withdrawal limit is exceeded |
Liquidation of a USD/SGD/CNH Time Deposit in Banknotes (different currency) |
The TT buy rate and the banknote sell rate shall apply |
Liquidation of a Time Deposit denominated in any currency other than USD/SGD/CNH in Banknotes (whether or not in the same currency) |
The TT buy rate and the banknote sell rate shall apply |
Simulation 1):
Time Deposit |
Tenor |
Interest Rate according to Tenor 2) |
Interest Amount 3) |
20% Tax |
Accumulated Total 4) |
IDR10,000,000 |
1 Month |
3.25% |
IDR26,712 |
IDR5,342 |
IDR10,021,370 |
USD100,000 |
1 Month |
2.00% |
USD164 |
USD33 |
USD100,131 |
Last Update: 24 June 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) 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.
3) 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).
4) Accumulated Total = total Time Deposit amount after interest payment and tax withholding.
Additional Information
Type of Time Deposit |
Interest |
Non ARO |
To be credited to the account selected by the customer at the maturity date |
ARO |
To be credited to the account selected by the customer every month on the specified maturity date |
ARO Plus |
To be credited to the account at maturity with the accrued interest added to the principal amount for further placement (rollover) |
Disclaimer (important to read)
Fees, Limits, and Interest Rates
Interest Rates
Rupiah Time Deposit
Currency |
Interest Rate (% per annum) / Tenor (months) |
|||
1 |
3 |
6 |
12 |
|
IDR < 2Bn |
3.25 |
3.00 |
2.25 |
2.00 |
IDR ≥ 2Bn - < 5Bn |
3.25 |
3.00 |
2.25 |
2.00 |
IDR ≥ 5Bn - < 10Bn |
3.25 |
3.00 |
2.25 |
2.00 |
IDR ≥ 10Bn - < 25Bn |
3.25 |
3.00 |
2.25 |
2.00 |
IDR ≥ 25Bn - < 100Bn |
3.25 |
3.00 |
2.25 |
2.00 |
IDR ≥ 100Bn |
3.25 |
3.00 |
2.25 |
2.10 |
Effective: October 1st, 2024
Foreign Currency Time Deposit (USD)
Currency |
Interest Rate (% per annum) / Tenor (months) |
|||
1 |
3 |
6 |
12 |
|
<USD150,000 |
2.00 |
2.00 |
1.50 |
1.50 |
≥USD150,000 - <USD1,000,000 |
2.25 |
2.25 |
2.00 |
2.00 |
≥USD1,000,000 - <USD10,000,000 |
2.25 |
2.25 |
2.25 |
2.25 |
≥USD10,000,000 |
2.25 |
2.25 |
2.25 |
2.25 |
Effective: December 01, 2023
Foreign Currency Time Deposits (Non USD)
Currency |
Interest Rate (% per annum) |
AUD |
2.25 |
GBP |
2.25 |
HKD |
2.00 |
SGD |
2.00 |
JPY |
0.00 |
Effective: October 1st, 2024
Foreign Currency Time Deposits (CNY)
Currency |
Interest Rate (% per annum) / Tenor (months) |
|||
1 |
3 |
6 |
12 |
|
CNY |
0.50 |
0.50 |
0.50 |
0.50 |
Effective: August 16, 2024
Deposito Valas (CNY)
Currency |
Interest Rate (% per annum) |
EUR |
1.75 |
Effective: December 24, 2024
Initial Placement
The minimum initial placement required for each currency is as follows:
Currency |
Minimum Initial Placement |
Indonesian Rupiah (IDR) |
Rp8,000,000 |
United States Dollar (USD) |
USD1,000 |
Hong Kong Dollar (HKD) |
HKD8,000 |
Singapore Dollar (SGD) |
SGD2,000 |
Australian Dollar (AUD) |
AUD2,000 |
Great Britain Pound sterling (GBP) |
GBP1,000 |
Japanese Yen (JPY) |
JPY150,000 |
Euro (EUR) |
EUR1,000 |
Chinese Yuan (CNH) |
CNH7,000 |
Note : Time Deposit placement in a currency denomination other than the source account currency is subject to the applicable exchange rates
Limit
When opening or closing a Foreign Currency Time Deposit, the customer can deposit and withdraw Banknotes with a 1:1 condition (not subject to the applicable exchange rates or a deposit payment in the same currency) up to the following limits:
Type of Transaction |
Amount |
Deposit payments* |
|
USD Time Deposit Account |
|
Deposit payment of up to USD50,000/day/account |
1:1 |
Deposit payment of more than USD50,000/day/account |
Subject to a 0.5% fee on the excess amount |
Other Foreign Currency Time Deposit Account |
|
Deposit payment in Non USD Banknotes into the relevant non USD account** |
1:1 |
Withdrawals |
|
USD Time Deposit Account |
|
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 |
SGD Time Deposit Account |
|
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 |
CNH Time Deposit Account |
|
Withdrawal of up to CNH20,000/month/account |
1:1 |
Withdrawal of more than CNH20,000/month/account |
Subject to a 0.75% fee on the excess amount |
*) A deposit payment made with foreign currency banknotes that are not in good physical condition and/or are in
tiny
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.
**) A non-USD currency may need to be in a
certain
denomination for the applicability the 1:1 condition.
Fees
Description |
Fee |
Transfer between BCA Accounts |
Free of Charge |
Transfer to Another Bank: ‐ LLG ‐ RTGS |
IDR2,900 IDR30,000 |
Terms and Conditions
TERMS AND CONDITIONS FOR TIME DEPOSIT
PT BANK CENTRAL ASIA Tbk
(BCA)
A. DEFINITIONS
B. TERMS AND CONDITIONS FOR TIME DEPOSIT
C. SPECIAL PROVISIONS FOR FOREIGN-CURRENCY TIME DEPOSITS
D. LANGUAGE
These Terms and Conditions for Time Deposit of PT BANK CENTRAL ASIA Tbk have been adjusted to ensure compliance with the prevailing laws and regulations including Regulations of the Financial Services Authority
Time Deposit Simulation
Interest
Tax of interest 20%
Total of Time Deposit Accumulation
Note: this calculation is only an investment simulation aid and is not intended to provide any recommendations
Asumming: 1 month = 30 days, and 1 year = 365 days
Deposit Simulation
Placement Amount
Rp 30,000,000
Tenor
1 Years
Interest Rate per Year
10,00%
Interest Rate per Year
Rp 5.250.000
Estimated Interest Tax of 20%
Rp 5.250.000
Estimated Total Deposit Accumulation
Rp 5.250.000
Do you need help? Contact Halo BCA 1500888
Menara BCA, Grand Indonesia Jl. MH Thamrin No. 1, Jakarta 10310
Note: This calculation is only for investment simulation tool and is not intended to provide any recommendations
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