BCA - Smartcash Account

BCA Smartcash

Discretion of fulfilling business need with cash injection as easy as transaction with credit card

Benefit

Card Security Measures

The BCA Smartcash Card is sent to the Cardholder in an inactive condition. To be able to use the BCA Smartcash Card, the Cardholder must first activate the card
After the card is activated, BCA will provide an Authentication Code for PIN activation via SMS to the cellular number registered with BCA
PIN activation can be done via BCA mobile or BCA ATM or BCA Website using the Authentication Code sent to the registered cellular number
The Cardholder must not reveal the PIN to anyone, record, or write the PIN in any documents or media that are easily known or seen by others
All records, printouts, recordings, communication media, or other evidence of any nature held by BCA in connection with any electronic banking transactions conducted by the Cardholder constitute valid and conclusive evidence binding on the Cardholder, except as proven otherwise
Keep the BCA Smartcash Card number and Halo BCA phone number handy for the convenience of reporting in case the card is lost or stolen
If the BCA Smartcash Card is lost or stolen, immediately report the loss/theft to Halo BCA 1500888. BCA is not responsible for all the transactions that occur before it receives the loss/theft report

If the Account Holder finds a transaction not made by the Account Holder in the BCA Smartcash Account Billing Statement, the Account Holder must immediately raise a question or objection via Halo BCA and subsequently submit a written statement of objection in respect of the transaction no later than 30 calendar days from the date of the BCA Smartcash Account Billing Statement, by providing the following information:

Account Holder's name and customer number
Transaction date
Details of the transaction and the amount disputed
Reasons for raising the objection
Account Holder's signature

Keep the BCA Smartcash Card number and Halo BCA phone number handy for the convenience of reporting in case the BCA Smartcash Card is lost or stolen.

If the BCA Smartcash Card is lost or stolen, immediately report the loss/theft to Halo BCA 1500888. BCA is not responsible for all the transactions that occur before it receives the loss/theft report

Requirements

Individual customer, Indonesian Citizen (WNI), living in Indonesia, aged 21 years minimum and 65 years maximum
Monthly business turnover of at least IDR30,000,000 and at least two years’ existence in the business
Original documents from the distributor

Documentary Requirements

A copy of the Electronic Resident ID Card (e-KTP)
A copy of the Savings/Current Account Statement for the last 3 (three) months
A copy of the Professional/Practicing License *)
A copy of Deed of Incorporation if requested for business owner that own business with legal entity
A copy of the Tax ID Number (NPWP) Card **)
A copy of the Credit Card Account Statement for the last 3 months (if any)

*) Only for professionals
**) Required for debtor with business entity/personal that using the facility to fund their business
***) A copy of the Tax ID Number (NPWP) must be attached. For submissions with a credit limit of ≤ IDR50,000,000, where the debtor does not yet/have a Tax ID Number (NPWP), the debtor is required to complete a statement letter declaring their non-possession of a Tax ID Number (NPWP).

Fee and Limit

Type of Fee	Fee Amount
Annual Fee
- Card limit of IDR10 million - IDR50 million	IDR250,000
- Card limit above of IDR50 million - Rp250 million	IDR500,000
Cash Advance Fee	Free
Overlimit Charge	IDR40.000/transaction
Minimum Payment	5% of the total billing amount or a minimum of IDR50,000
Late Payment Charge	1% or a maximum of IDR100,000
Sales Draft Printing Charge	IDR30,000
Billing Statement Printing Charge	IDR10,000
Card Replacement Fee	IDR50,000
Purchase Transaction Interest Rate	1.75% effective/month with a grace period of 15-45 days
Cash Withdrawal interest rate	1.75% effective/month without the grace period of 15-45 days

Notes:

BCA reserves the right to change the above rates and fees by providing the customer with a notice in any form and by any means

Card Transaction Simulation

Interest: 1.75% per month

Minimum Payment: 5% of the total bill

In February:

Transaction 1 (01/02/2024) IDR10,000,000

Transaction 2 (10/02/2024) IDR5,000,000

RECORDED BILLING DATA

Billing account dated 18/02/2024

Date	Description	Amount (IDR)
	Old Balance	0
2/1/2024	Transaction 1	10,000,000
2/10/2024	Transaction 2	5,000,000
	Interest*	129,452
2/18/2024	New Balance	15,129,452

*) Interest Calculation

Transaction Date	Day	Calculation	Amount (IDR)
01/02/2024 - 18/02/2024	18	IDR10,000,000 x 1.75% x 12 months x (18/365) days	103,562
10/02/2024 - 18/02/2024	9	IDR5,000,000 x 1.75% x 12 months x (9/365) days	25,890
		Total Interest	129,452

PAYMENT ACCORDING TO BILL

If payment on the bill is made on 20/02/2024, then the billing account on 18/03/2024 will be stated as follows:

Date	Description	Amount (IDR)
	Old Balance	15,129,452
2/20/2024	Payment	15,129,452
	Interest *)	17,260
3/18/2024	New Balance	17,260

*) Interest Calculation:

Transaction Date	Day	Calculation	Amount (IDR)
19/02/2024 - 20/02/2024	2	IDR10,000,000 x 1.75% x 12 months x (2/365) days	11,507
19/02/2024 - 20/02/2024	2	IDR5,000,000 x 1.75% x 12 months x (2/365) days	5,753
		Total Interest	17,260

MINIMUM PAYMENT (5% of the total bill or minimum of IDR50,000)

If the payment on the bill is made on 20/02/2024, then the billing account on 18/03/2024 will be stated as follows:

Date	Description	Amount (IDR)
	Old Balance	15,129,452
2/20/2024	Payment	756,473
	Interest *)	240,534
3/18/2024	New Balance	14,613,513

*) Interest Calculation:

Transaction Date	Day	Calculation	Amount (IDR)
19/02/2024 - 20/02/2024	2	IDR10,000,000 x 1.75% x 12 months x (2/365) days	11,507
19/02/2024 - 20/02/2024	2	IDR5,000,000 x 1.75% x 12 months x (2/365) days	5,753
21/02/2024 - 18/03/2024	27	IDR(15,129,452 – 756,473) x 1.75% x 12 bln x (27/365) days	223,273
		Total Interest	240,534

Note :
Smart Cash interest will only stop if the arrears have reached 180 days.

Get The Product

BCA Smartcash

Why BCA Smartcash?

Cashless

Broad network

Competitive interest rate

BCA Smartcash