Before opening a BCA savings account, it is a good idea to first study the types of BCA ATMs. BCA ATMs have many advantages, from simple transactions, 24/7 access to services, online in real time, to various banking transactions (cash withdrawals, payment transfers, top-ups).
Different types of BCA ATMs
BCA ATMs are divided into four categories based on their function and technology.
1. Withdraw a deposit from an ATM.
ATM cash deposits and withdrawals allow us to carry out three types of transactions: transfers, bill payments, cash withdrawals and non-cash transactions: cash deposits.
2. Multifunctional ATM
In addition to cash withdrawals, non-cash transactions such as transfers and bill payments can also be made through multifunction ATMs.
3. Cashless ATMs
Meanwhile, the transactions that can be done at cashless ATMs are limited to cashless transactions such as transfers and bill payments.
4. Cash deposit facility
This type of ATM can only be used for cash deposit transactions.
Now that we know the types of BCA ATMs, let’s learn more about the types of BCA Debit Cards or commonly known as BCA ATM Cards.
BCA ATM cards can be used at BCA ATMs. PT Bank Central Asia (BCA) is a service that allows customers to easily carry out cash and non-cash transactions at ATMs with an extensive network throughout Indonesia.
BCA ATM cards offer many benefits, including:
1. Payment of Fees
BCA’s ATM facilitates the payment of various types of bills, including electricity, telephone and credit cards.
2. No need to queue.
The BCA Cash Deposit ATM allows you to make cash deposit transactions without having to stand in line at the counter.
3. Register for electronic banking services
ATM BCA enables registration on BCA and m-BCA cards.
BCA ATM card chip technology
After knowing the benefits of ATM BCA, there are other important things you need to know. What exactly are the types of BCA ATM cards?
In comparison, currently BCA ATM cards have embedded chip technology that can be used for international transactions.
In fact, as of December 1, 2021, BCA magnetic stripe ATM cards have been blocked or no longer available.
In this regard, BCA management encourages customers who are still using magnetic stripe BCA ATM cards to switch to chip BCA ATM cards immediately.
3 easy and safe ways to check your BCA Flazz balance
The difference between a magnetic stripe card and a chip card
In comparison, the main feature of a magnetic payment card is the long black stripe on the back of the card. In contrast, chip discount cards have a small gold leaf on the face of the card.
Benefits of replacing a BCA chip card
BCA chip cards have the following features:
1. Support Bank Indonesia’s policy of requiring domestic bank customers to use smart ATM cards.
2. Online withdrawal transactions such as marketplace payments and app subscriptions are available.
3. BCA chip cards are more secure than non-chip cards, reducing the risk of various crimes.
Types of BCA ATM cards
There are generally three types of BCA ATM cards: Blue, Gold and Platinum. Each card definitely has its advantages and disadvantages.
Meanwhile, the launch of the National Clearing House (GPN) also had an impact on changes in banking in Indonesia, including the BCA.
The actual BCA step is to run the BCA GPN ATM. Of course, there are some differences between BCA debit cards without the GPN logo and BCA debit cards with the GPN logo.
What is the difference? Let’s look at the following explanation.
1. BCA GPN Blue Passport Debit Card
The BCA GPN Blue Passport debit card is intended for Tahapan and Tahapan Gold customers. The main difference from other types of BCA ATM cards is that this debit card has lower fees.
For example, the fee to create a BCA GPN Blue Passport debit card is IDR 10,000. Meanwhile, the monthly maintenance fee is IDR 14,000.
The rates and transaction limits for the BCA GPN Blue Passport Debit Card are as follows:
> Card Issuance Fee: IDR 10,000
> Monthly administration: IDR 14,000
> ATM or ATM cash withdrawal limit: IDR 10,000,000
> Transfer between accounts with limit: 50,000,000 IDR
> Transfer limit to other accounts with other banks: IDR 15,000,000
> Payment limit: IDR 50,000,000
> Cash Deposit Limit: IDR 25,000,000
2. BCA GPN Gold Passport Card
The BCA GPN Gold Passport Card is for Tahapan and Tahapan Gold customers. The difference is that this ATM card has a higher transaction limit than the BCA GPN Blue Passport Debit Card.
So the cost of creating this debit card is IDR 15,000 and the monthly administration fee is IDR 16,000.
Below are the fees and transaction limits for the BCA GPN Gold Passport card.
> Card production cost: IDR 15,000
> Monthly administration: IDR 16,000
> ATM or ATM cash withdrawal limit: IDR 10,000,000
> Transfer between accounts up to IDR 75,000,000
> Transfer limit to other accounts at other banks: IDR 20,000,000
> Payment limit: IDR 75,000,000
> Cash Deposit Limit: IDR 40,000,000
3. BCA GPN Platinum Passport
Compared to the previous two cards, the similarity of the BCA GPN Platinum Passport card is the GPN logo on the front of the card.
The difference is that the BCA GPN Platinum Passport card charges a higher fee of IDR 20,000. The monthly administration fee is IDR 19,000.
Below are details of fees and transaction limits for the BCA GPN Platinum Passport Card.
Card Issuance Fee: IDR 20,000
> Monthly management: IDR 19,000
> ATM or ATM cash withdrawal limit: IDR 10,000,000
> Transfer between accounts with limit: IDR 100,000,000
> Transfer limit to other accounts with other banks: IDR 25,000,000
> Payment limit: IDR 100,000,000
> Cash Deposit Limit: IDR 50,000,000
4. Blue Passport BCA ATM card
The Passport BCA Blue ATM card is intended for Tahapan, Tahapan Gold and Giro customers. The monthly cost of producing and maintaining the cards is relatively cheap, IDR 10,000 and IDR 15,000 respectively.
Below are the fees and transaction limits for the BCA Blue Passport ATM card.
> Card Issuance Fee: IDR 10,000
> Monthly administration: IDR 15,000
> ATM or ATM cash withdrawal limit: IDR 10,000,000
> Transfer between accounts with limit: 50,000,000 IDR
> Transfer limit to other accounts with other banks: IDR 15,000,000
> Payment limit: IDR 50,000,000
> Cash Deposit Limit: IDR 25,000,000
5. BCA Gold Passport Card
BCA also provides BCA Gold Passport Cards for Tahapan, Tahapan Gold and Giro customers.
This debit card comes with a fee of IDR 15,000 and a monthly administration fee of IDR 17,000.
More information on fees and transaction limits for the BCA Gold Passport Card can be found at:
> Card production cost: IDR 15,000
> Monthly administration: IDR 17,000
> ATM or ATM cash withdrawal limit: IDR 10,000,000
> Transfer between accounts up to IDR 75,000,000
> Transfer limit to other accounts at other banks: IDR 20,000,000
> Payment limit: IDR 75,000,000
> Cash Deposit Limit: IDR 40,000,000
6. BCA Platinum Passport Card
For those who need a card with a higher limit, the BCA Platinum Passport is the right choice.
People who choose this card are usually looking for convenience in transactions.
Details of fees and transaction limits for the BCA Gold Passport Card are provided below.
Card Issuance Fee: IDR 20,000
> Monthly administration: IDR 20,000
> ATM or ATM cash withdrawal limit: IDR 10,000,000
> Transfer between accounts with limit: IDR 100,000,000
> Transfer limit to other accounts with other banks: IDR 25,000,000
> Payment limit: IDR 100,000,000
> Cash Deposit Limit: IDR 50,000,000
7. BCA Xpresi debit card
BCA has launched this card for Tahapan Xpresi customers.
The BCA Xpresi debit card has many advantages. First, the design of the card looks modern. Second, the administration fee is IDR 7,500, which is relatively cheap compared to other types of ATM cards.
Below is information on the cost to set up and manage the BCA Xpresi Monthly Debit Card.
> Card Issuance Fee: IDR 25,000
> Monthly management: IDR 7,500
> ATM or ATM cash withdrawal limit: IDR 7,000,000
> Transfer between accounts up to IDR 25,000,000
> Transfer limit to other accounts with other banks: IDR 10,000,000
> Payment limit: IDR 25,000,000
> Cash Deposit Limit: IDR 15,000,000
8. BCA SimPel Debit Card
The BCA SimPel debit card is designed for parents who want to teach their children to save. This card can be used by all students from PAUD to SMA.
Interestingly, BCA does not charge a single koruna for the production of the card.
Details of BCA SimPel Debit Card Issuance Fee are as follows:
Card creation fee: Free
> Monthly management: IDR –
> ATM or ATM cash withdrawal limit: IDR 7,000,000
> Transfer between accounts up to IDR 25,000,000
> Cash Deposit Limit: IDR 15,000,000
Also read:
BCA credit card types, fees and interest rates
How to use KlikBCA Business with BCA Tarumanagara VPN
Types of savings at BCA
BCA has several types of savings that are very popular namely Tahapan BCA, BCA Tapres, Tahapan Xpresi Savings and BCA Dollar.
If you are interested in the minimum balance for opening a BCA account, please read this article carefully.
1. Reduction of BCA steps
Tahapan stands for Tabungan Hari Depan and functions as a rupiah-denominated savings account equipped with an ATM, debit card and BCA passport that can act as cash.
Tahapan BCA can be used to perform various transactions, from withdrawals, deposits, transfers and payments of various accounts to payment methods. Install ATM BCA Pins, m-BCA Pins and BCA Keys for customers to transact securely.
The minimum balance to open a Tahapan BCA account is IDR 500,000 and the minimum deposit is IDR 50,000.
2. Expression phase
Tahapan Xpresi BCA is an evolution of Tahapan, the savings product of choice for young people. This savings product is designed in a different style.
The advantage of this saving is that you can easily withdraw cash from thousands of BCA ATMs, Prima ATM networks and Mastercard Networks worldwide. Online banking from KlikBCA.com makes it easy to do e-commerce, buy credit and pay for movie tickets with lower initial deposits and lower administration fees.
The minimum balance to open a BCA Tahapan Xpresi account is IDR 50,000 including card fees. Another minimum deposit is IDR 50,000.
3-Tabris
Tapres BCA stands for Prestasi Savings and is a high interest savings product with features similar to a savings account.
The advantage that Tapres BCA offers is the easy withdrawal of cash from thousands of BCA ATMs, the ATM Prima network and the Mastercard network worldwide. Passport Card, PIN Pad, BCA ATM PIN, m-BCA PIN, KlikBCA User ID and Password and KeyBCA, which support transaction security; Shop cashless at tens of thousands of merchants or stores in the Maestro network that display the Debit BCA logo, transaction information on your account via SMS or email and alerts that can be customized to your transaction needs; And if you don’t have a passbook, you have a Tapres card as proof of account ownership for various transactions.
The minimum deposit amount to open a Tapres BCA account is IDR 5 million and the minimum deposit amount is IDR 50,000.
4. BCA dollars
BCA dollar is a savings product for customers who want to save and invest in foreign currencies USD or SGD.
The advantage of this product is that you can easily deposit and withdraw USD/SGD notes 1:1 and receive transaction information via SMS or email as needed.
The first deposit of this savings is USD 100 or SGD 200. Meanwhile, the maintenance fee is $1 per month.
Plus minus BCA unsecured credit and complete submission methods
How to open a BCA account
Below are the steps to open a BCA account.
1. Fill out the form through the KlikBCA website to facilitate applicants and account opening at the BCA office. Applicants still need to visit a BCA branch to open an account.
2. Interested parties can open an account at the nearest BCA branch by filling in the form on the KlikBCA website and quoting the reference number generated in the online application.
3. Before applying to open an account at a BCA branch, the applicant must first read and understand the information on deposit products displayed on the KlikBCA website.
4. When visiting a BCA branch to open an account, the applicant must bring the following documents:
5. Proof of the transaction number on the completed form.
6. Proof of identity that is still valid in KTP/PASPOR format;
7. Confirmation of extension from an authorized agency (if the KTP is being extended).
8. Proof of residence if:
The address shown on the applicant’s KTP is different from the location of the BCA branch where the account was established; AND
If the applicant does not have another identity document or the name or address on another identity document differs from what is shown on the KTP
Other supporting documents (if any) as per the provisions applicable in the BCA
With certain considerations, BCA has the right to reject an application for opening an account submitted by an applicant.
For more information on BCA account opening requirements, contact your nearest BCA branch or Halo BCA on 1500888.