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Costs and Limits
Information on fees and limits for BCA Syariah products and services
Tahapan iB
Fees
| DESCRIPTION | AMOUNT (IDR) |
|---|---|
| Minimum initial deposit | 100,000 |
| Minimum next deposit | 50,000 |
| Minimum balance held | 25,000 |
| Monthly administration fee with Mudharabah Muthlaqah contract | 10,000 |
| Monthly administration fee with Wadiah yad Dhamanah* contract | 10,000 |
| Administration fee for e-statement and without ATM | 15,000 |
| Administration fee for e-statement and with ATM | 25,000 |
| Fee for replacing book due to damage | 10,000 |
| Print mutation fee if the book is lost | 5,000 |
| Biaya cetak mutasi (dengan e-statement) | 2,500 per sheet or 35,000 per Month |
| Account closing fee | 25,000 |
| Fee for creating/replacing debit card* | 30,000 |
*Available for Wadiah contract without monthly administration fee options
Transaction Limits
| DESCRIPTION | SILVER | GOLD |
| BCA ATM Machine Transactions (IDR) | ||
| Cash Withdrawal | 5,000,000 | 10,000,000 |
| Cash Deposit | 50,000,000 | 50,000,000 |
| Transfer between BCA Syariah accounts | 15,000,000 | 25,000,000 |
| Transfer from BCA Syariah to Other Bank (excluding BCA) | 10,000,000 | 10,000,000 |
| Transfer from BCA Syariah to BCA | 25,000,000 | 25,000,000 |
| BCA Credit Card Payment (Rupiah) | As per the bill | As per the bill |
| Transactions at BCA EDC Machine (IDR) | ||
| Daily debit transaction | 15,000,000 | 25,000,000 |
Important Notes
- The type of fee and amount of fee may change according to bank notification. Notification will be carried out in accordance with the applicable terms and conditions.
- Changes to features and services are subject to change and will be notified by the bank in accordance with applicable regulations.
- Profit sharing will depend on the results of the business carried out by the bank.
- For more information download Product and Service Informastion Summary (RIPLAY) for Tahapan iB
Tahapan Rencana iB
Fee
|
Description
|
Amount (IDR)
|
|---|---|
| Monthly administration fee | Rp0 |
| Mutation printing costs | IDR 10.000 |
| Cost of changing membership certificate | IDR 10.000 |
| Monthly deposit automatic transfer failure fee | IDR 5.000 |
| Account closing fees | IDR 50.00 - 150.000 |
-
The amount of the account closure fee is determined based on the final balance at the time of closure as follow:
Amount of balance on closure Clossing Fee < IDR 1.000.000 IDR 50.000 > IDR 1.000.000 s.d. < IDR 10.000.000 IDR100.000 > IDR 10.000.000 IDR150.000 -
Applies specifically to closures due to customer requests and closures due to three consecutive months of missed monthly deposits
Important Notes:
- Account cancelation or closure before maturity date will be charge with closing fee
- TRiB account will be automatically close if the custome does not make monthly deposit for three consecutive months
- The amount of fee and transaction limit are subject to change according to bank notification
- Additional or feature subject to change according to bank notification
- For more information download Product and Service Information Summary (RIPLAY) of Tahapan Rencana iB
Giro iB
Fee
|
DESCRIPTION
|
AMOUNT (IDR)
|
|---|---|
|
Minimum initial deposit (for Company & Individual) |
1,000,000 |
|
Cheque /Bilyet Giro (BG) |
285,000 |
|
Cheque /BG rejection fee*: |
|
|
|
|
Counter check fee per sheet |
15,000 |
|
Card issuance/ replacement fee |
30,000 |
|
Statement of account printing fee: |
|
|
|
|
Account closure fee |
25,000 |
|
Administration fee without ATM card facility (per Month) |
15,000 |
|
Administration fee with ATM card facility (per Month) |
25,000 |
* (For SKNBI clearing regions)
Important Notes
- The type of fee and amount of fee may change according to bank notification. Notification will be carried out in accordance with the applicable terms and conditions.
- Changes to features and services are subject to change and will be notified by the bank in accordance with applicable regulations.
- Profit sharing will depend on the results of the business carried out by the bank.
- For more information download Product and Service Information Summary (RIPLAY) Giro iB
Tahapan Mabrur iB
Fees
|
Description
|
Amount (IDR)
|
|---|---|
| Initial Deposit | 100.000 |
| Flexible Deposit | Minimum of 50.000 valid at BCA Syariah branches or according to transaction llimit at each channel |
| Scheduled Deposit | Minimum 50.000 applies in multiples |
| Monthly Administrative Fee | 0 |
| Mutation printing | 5000 per sheet |
| Cost for replacing/damage saving book | 10.000 |
| Account closing for Hajj/umrah activities | 0 |
| Account closing for other activities | 50.000 |
Important Note
- Profit sharing will depend on the results of the business carried out by the bank.
- The type of fee and amount of fee may change according to bank notification. Notification will be carried out in accordance with the applicable terms and conditions.
- Changes to features and services are subject to change and will be notified by the bank in accordance with applicable regulations.
- For more information download Product and Services Information Summary (RIPLAY) Tahapan Mabrur iB
Simpanan Pelajar (SimPel) iB
Costs
| Description | Amount (IDR) |
|---|---|
|
Initial Deposit |
Minimum 35,000 (to obtain Debit/ATM card) |
|
Subsequent Deposits |
Minimum 1,000 |
|
Minimum Balance |
1,000 |
|
Dormant Fee |
1,000 |
|
Monthly Administrative Fee |
0 |
|
Account Opening Administrative Fee |
0 |
|
ATM Card Fee
|
|
|
Account Closure Fee at Customer's Request |
1,000 |
|
Passbook Replacement Fee
|
|
Important to Note
- Profits are not fixed, subject to company conditions
- The Customer's deposits are not guaranteed by the LPS if the total deposit balance (including margins) of the Customer at one Bank exceeds (equivalent to) Rp2 billion
iB Time Deposit
Features
| FEATURE | DESCRIPTION |
|---|---|
| Akad | Mudharabah muthlaqah |
|
Currency |
IDR |
|
Proof of Ownership |
Deposito Bilyet |
|
Joint Account (And/Or) |
|
|
Extension Status |
|
|
Profit-sharing payment |
|
| Amount of placement | Minimum IDR8.000.000 |
| Biaya |
Stamp fees will be charged in accordance with applicable regulations or conditions |
Important notes
- Profit sharing will depend on the results of the business carried out by the ban as mudharib.
- Tax income (or according to apply tax regulations) of 20% is of profit sharing
- The type of fee and amount of fee may change according to bank notification. Notification will be carried out in accordance with the applicable terms and conditions.
- Changes to features and services are subject to change and will be notified by the bank in accordance with applicable regulations.
- For more information download Product and Services Information Summary (RIPLAY) Deposito iB
KPR iB
KPR iB
Features and Benefits
Sharia-based Financing
BCA Syariah's KPR iB operates according to Sharia principles, utilizing the Murabahah, Musyarakah Mutanaqisah (MMQ), or Ijarah Muntahiya Bit Tamlik (IMBT) contract.
Installment Certainty
With a pre-agreed margin, customers will have a guaranteed installment until the completion of financing.
Light Installments (Step-Up Installments)
BCA Syariah provides step-up installments, making it easier for customers to pay installments until the financing matures.
Loan Term up to 20 years
Enjoy financing with a term of up to 20 years. This convenience allows customers to get a better-choice home with manageable installments.
KPR Cost can be Paid in Installments of 0% up to 2 years
The installment fees include administration fees, notary fees, life insurance fees and fire insurance fees with a margin of 0% up to 2 years
Take Over Option
Ease of taking over home financing from any bank with attractive offers.
Installment Certainty for up to 15 years for home purchase purposes
Down payment starts from 5%
Only for developer who already collaborate with BCA Syariah
Term of Installment
| Program | Equivalent Margin (effective p.a/ per annum) | |
|---|---|---|
| Fix 15 years (without minimum tenor) | 7,67% | |
| Fix tiered** (minimum tenor 12 years) | 3,67% I First years* | 3,99% I First years |
| 5,67% I 2-4 years* | 5,99% I 2-4 years | |
| 8,67% I 5-7 years* | 8,99% I 5-7 years | |
| 11,67% I 8-15 years* | 11,99% I8-15 years | |
| Margin after fix period using the reference of +4% BI7DRR*** (valdi for KPR iB with Musyarakah Mutanaqishah (MMQ) / Ijarah Muntahiyah Bit Tamlik (IMBT) contract |
||
*) Mandatory to open a savings account and maintain a minimum savings of 2 installments during financing period
**) An early settlement before financing maturity date will be subject to an 1,5% administration fee of the remaining balance
***) BI7DRR is a Bank Indonesia 7 Days Reverse Repo Rate. BI7DRR as of December 2024 is 6%
Period: 4 June - 31 December 2024
KPR iB Can Be Applied By
- Indonesian citizens (WNI) residing in Indonesia
- Permanent employees with a minimum of 2 years of employment
- Entrepreneurs/professionals with a minimum of 2 years of experience
- Required Documents
Required Documents
- Employment/business documents
- Collateral legality documents (specifically for ready stock houses)
- Booking letter/down payment receipt from the developer (specifically for pre-ordered houses)
Take Over iB
KPR iB Productive and Refinancing
Bank Guarantee
Costs
The bank may impose ujrah/fee agreed upon with the customer at the beginning.
Important to Know
- Bank Guarantee standard formats are determined by the bank
- For every issuance of a Bank Guarantee, the bank may request a solid/liquid guarantee
- In case the customer fails to fulfill obligations to a third party, the bank fulfills the obligations to the third party by providing advance funds, which are then converted into financing or by executing the guarantee, and the customer incurs costs.
- The bank does not accept claims for expired Bank Guarantees.
BCA Syariah Mobile
Costs
SMS Costs
Are fees for SMS sent/received to the customer's smartphone related to customer activities on BCA Syariah Mobile
Bank Costs
Are transaction fees conducted through BCA Syariah Mobile, including if the transaction is not successfully executed/processed by the Bank.
| DESCRIPTION | AMOUNT (IDR) |
|---|---|
| Online Transfer to BCA | Free of Charge |
| Online Transfer to Other Banks | 6,500 |
| SKN Transfer to Other Banks | 2,900 |
| RTGS Transfer to Other Banks | 30,000 |
| BI Fast Transfer | 2,500 |
| Cardless Cash Withdrawal | Free of Charge |
Internet Costs
Are fees charged by cellular operators for internet connection on the customer's smartphone
Cash Withdrawal with e-Branch
Withdraw cash at branches faster with the e-Branch feature
Klik BCA Syariah
Costs
SMS Costs
These are the costs for SMS sent to the customer's mobile phone related to the customer's activities on Klik BCA Syariah. SMS costs are borne by the bank.
Bank Costs
These are transaction costs conducted through BCAS Mobile including cases where the transaction is not successfully executed/processed by the bank.
| DESCRIPTION | AMOUNT (IDR) |
|---|---|
| Online Transfer to BCA | Free of Charge |
| Online Transfer to Other Banks | 6,500 |
| SKN Transfer to Other Banks | 2,900 |
| RTGS Transfer to Other Banks | 30,000 |
| Batch Transfer to BCA Syariah Account | Free of Charge |
BCA Syariah Key Costs (hard token)
| DESCRIPTION | AMOUNT (IDR) |
|---|---|
| New Request | 50,000 |
| Replacement due to damage* | 50,000 |
| Replacement due to loss | 50,000 |
*Damaged BCA Syariah Key must be returned to BCA Syariah
Internet Costs
These are costs charged by the internet service provider used by the customer. The amount of internet costs depends on the policies of the internet service provider and is borne by the user.
ATM NetworK
Cost
| DESCRIPTION | AMOUNT (IDR) |
|---|---|
| Transfer to other bank account | 6,500 |
| Withdrawal | 7,500 |
| Check balance | 4,000 |
Description
If the BCA Syariah ATM card is used for a transaction but the transaction cannot proceed due to insufficient funds, incorrect PIN, etc., a Decline fee of Rp3,000 will be charged.
Clearing
Local Clearing
Cost
| DESCRIPTION | AMOUNT (IDR) |
|---|---|
| Clearing deposit fee | 2,000 per instrument |
| Clearing rejection fee for branches that have implemented SKNBI | Based on the reason for rejection by SKNBI, ranging from 100,000 to 125,000 |
Intercity Clearing
Cost
| DESCRIPTION | AMOUNT (IDR) |
|---|---|
| Intercity Clearing deposit | 2,000 per instrument |
| Intercity Clearing deposit for other banks | 25,000 per instrument |
Safe Deposit Box
Costs
| Description | Amount (IDR) |
|---|---|
| Type A | 600,000 |
| Type B | 350,000 |
| Type C | 250,000 |
| Key Deposit | 500,000 |
| VAT SDB | 11% of the annual safe deposit box rental fee |
| Compensation for late payment per day | Annual rental fee divided by 365 days |
Payroll Services
Cost
- The fee is calculated for each paid payroll account, which is Rp2,200 per account (including VAT).
Bank Reference
Fee
- IDR 50,000/reference letter
Debt Collection
Fees
- BCA Syariah Customers: Rp10,000
- Non-BCA Syariah Customers/Other Bank Deposits: Rp25,000
Important to Know
- Customers may be subject to additional charges adjusted to the fees charged by the interested bank to BCA Syariah.
Flazz BCA Syariah
Limit
| DESCRIPTION | AMOUNT (IDR) |
|---|---|
|
Minimum Top Up |
20,000 |
|
Maximum Top Up per Month |
20,000,000 |
|
Maximum Balance on Card |
2,000,000 |
|
Minimum Balance on Card |
0 |
|
Minimum Transaction Balance |
Determined by partner/merchant policy |
Get the Product
Get the Flazz BCA Syariah card at the nearest BCA Syariah branch. Find the location here
Debit BCA
Limit
| DESCRIPTION | SILVER | GOLD |
|---|---|---|
| Daily Debit Transactions | 15,000,000 | 25,000,000 |
QRIS
Anti Money Laundering
Information regarding the main points of implementing anti-money laundering programs, preventing the financing of terrorism and preventing the financing of the proliferation of weapons of mass destruction can be seen here
