There is an emerging online loan scam (pinjol) posing as BCA, following the previous scams involving BCA credit cards and Paylater. This fraud has shifted from Instagram to TikTok, which is currently popular among young audiences.
It is important to note that BCA has never issued an online loan product that requires only a photo of an ID and a selfie with the ID card.
Fraud Chronology
Scammers target victims primarily through TikTok, as a significant portion of TikTok users falls within the same age group that typically engages with pinjol services. According to the Financial Services Authority (OJK) Fintech Lending Statistics Data 2023, most pinjol customers are aged 19 to 34. Notably, 76% of TikTok users in Indonesia are between 18 and 34 years old (source: ginee.com).
The scammers create fake accounts that resemble official BCA profiles, posting offers for online loans with easy terms, quick disbursement, and appealing credit limits.
In the comments section, scammers often include a fake BCA WhatsApp number to lure potential victims into contacting them.
Once on WhatsApp, these scammers, pretending to be BCA Customer Service representatives, provide details about obtaining an online loan, such as a photo of the ID card, a selfie of the victim holding the ID card, and other sensitive data.
This information is then used by the scammer to apply for online loans through loan applications, with the funds going directly to the scammer while the bills are left for the victims to pay!
Check out these tips to avoid pinjol scam on behalf of BCA
To protect yourself from pinjol scams claiming to be from BCA, follow these safety tips.
- Be cautious of offers for instant loans with easy terms, especially from unknown sources.
- Verify BCA’s official TikTok account by looking for the blue badge next to the account name, which is @BankBCA. You can also check other BCA’s official social media here.
- The Bank BCA’s WhatsApp number is 08111500998, marked with a blue badge next to the account name.
- Research and carefully examine the terms and conditions of any loan offer, and confirm with Halo BCA at 1500888 or through the haloBCA app.
- BCA never offers instant loans, prizes, or rewards in exchange for personal data.
- Always keep your personal information, including banking details, confidential. Your data is your secret!
Let’s stay vigilant and aware of these scams to avoid falling victim to fraud schemes. For more information on the latest banking scams, visit bca.id/awasmodus