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Frequently Asked Question

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  • Banking Services
  • Products and Services

General Information on BCA Syariah Banking Services

Types of Services

Information on Service Product Fees

Information on the fees for banking products and services can be clicked here

Service for Depositing Fees for the Organization of Hajj Worship

1. What is meant by the Bank Receiving the Deposit for the Organization of Hajj Worship?

The Bank Receiving the Deposit for the Organization of Hajj Worship, often referred to as BPS-BPIH, is the bank designated by the Hajj Financial Management Agency (BPKH) to receive initial and final deposits for the Hajj Pilgrimage and to deposit these payments to the BPKH.

2. How is the Hajj registration process?

Refer to the brochure on Hajj Deposit Services in the e-brochure section

3. Is there a maximum age limit for registering for this service?

Currently, there is no maximum age limit.

4. For customers aged 12 years (children category), do they have to visit a branch?

Customers aged 12 years and above must visit a branch since the account is created in the customer's name, requiring their physical presence for signature.

5. Must the initial deposit be made on the same day as the account opening? Can subsequent deposits be paid in installments each month?

The initial deposit must be paid on the same day as the account opening. The account cannot be used for transactions; it is only for the initial deposit and final payment, so installment payments are not possible.

6. To make the initial deposit for Hajj at BCAS, does the prospective pilgrim have to open an account with BCAS/LSBU first?

Prospective pilgrims are allowed to make the initial Hajj deposit as long as the amount is available in Tahapan Mabrur iB or other savings products at BCA Syariah, such as Tahapan iB.

Tahapan Mabrur iB offers various advantages to help customers prepare for the pilgrimage, including:

  • Free administration fees
  • Low initial deposit
  • Open an account for all ages
  • Choose between flexible or scheduled deposits

7. What are the advantages of being a customer of BCA Syariah and making Hajj deposits at BCA Syariah?

Like other BPS BPIHs, BCA Syariah is CONNECTED to the Unified Hajj Computerized System (SISKOHAT) of the Ministry of Religious Affairs.

Additionally, BCA Syariah offers several conveniences to customers/prospective pilgrims, including:

  • Availability of the Tahapan Mabrur iB product to help customers prepare Hajj funds
  • Supported by BCA's ATM and EDC network throughout Indonesia for convenient transactions
  • Ability to make deposits to BCA Syariah accounts through BCA branches across Indonesia
  • Alternative channels include BCA Syariah mobile banking and Klik BCA Syariah internet banking for secure and convenient transactions

Added convenience for BCA Syariah customers who also have accounts with BCA: Transfers between BCA accounts and BCA Syariah accounts via BCA ATMs, BCA mobile banking, and BCA Syariah mobile banking are free of charge.

8. What is SISKOHAT?

SISKOHAT, or the Integrated Hajj Computerized System, is an information and communication technology system used for the registration, payment, cancellation, and all matters related to the organization of the Hajj pilgrimage, including financial aspects. SISKOHAT is integrated with Hajj flights, banking for financial transactions, and all Hajj-related fields at the provincial, district, and city levels.

9. Where can prospective pilgrims register for the Hajj pilgrimage?

To perform the Hajj pilgrimage, each prospective pilgrim must register with the Ministry of Religious Affairs (Kemenag) Office in the respective district/city according to the address on their identity card (KTP).

10. If the address on the ID card and the residential address are different, where should the Hajj registration be done?

Hajj registration should be done at the Kemenag Office according to the address on the ID card.

11. What is the initial deposit for Hajj?

The initial deposit for Hajj is Rp 25 million. This amount is in accordance with Minister of Religious Affairs Regulation No. 6 of 2010 regarding Procedures and Requirements for Hajj Registration.

All provisions regarding Hajj registration, departure, and other matters related to the organization of Hajj are the authority of Kemenag and may be subject to changes according to Kemenag's decisions.

12. Why is the initial deposit amount quite large, reaching Rp 25 million?

The initial deposit for Hajj is one way for the government to ensure the commitment of individuals registering as prospective Hajj pilgrims. With that commitment, the organization of the Hajj pilgrimage can proceed smoothly. A lower amount might lead to more registrations and cancellations, impacting the overall organization of the Hajj pilgrimage.

The amount that is too low will make it easier for the public to register and cancel their commitments. This will impact the overall implementation of the Hajj pilgrimage. An excessively low amount can also prolong the waiting list, potentially causing uncertainty. Meanwhile, transparent and accountable planning and management are necessary for the organization of the Hajj pilgrimage.

13. Why do customers need to register with Kemenag no later than 5 working days after making the deposit?

Based on the advice from Kemenag to register a maximum of 5 working days after making the deposit, this is to facilitate a more efficient registration process. If it exceeds 5 working days, Kemenag requires a longer registration process for customers.

14. If a prospective pilgrim has made the initial deposit through another BPS and has received a quota number from Kemenag, can it be transferred to BCA Syariah?

Initial and final deposits for BPIH must be made at the same bank unless the bank receiving the initial deposit is no longer operational or is no longer designated as a BPS BPIH

15. Why can't prospective pilgrims go directly to the holy land for the Hajj pilgrimage when registering?

Due to the limited Hajj quota, the registration and departure of Hajj pilgrims follow a first-come, first-served concept. Hence, newly registered pilgrims are placed on a waiting list until their quota number is included in the provincial allocation eligible for departure in the scheduled year.

16. What is meant by the Hajj pilgrimage quota?

The Hajj quota is the number of pilgrims that can be accommodated in each Hajj season.

17. What are the rights of pilgrims after completing the registration for the Hajj pilgrimage?

After registration and payment of the initial deposit, Hajj pilgrims have the right to receive a quota number and be included in the waiting list for departure.

18. What is SPPH?

SPPH stands for "Surat Pendaftaran Pergi Haji" (Hajj Departure Registration Letter). Pilgrims obtain this letter when registering for the Hajj pilgrimage at the local Ministry of Religious Affairs (Kemenag) office. The SPPH includes the pilgrim's quota number.

19. What is meant by the Hajj pilgrimage quota number?

The quota number is the registration serial number assigned to pilgrims after registering for the Hajj pilgrimage at the local Ministry of Religious Affairs (Kemenag) office.

20. If a husband and wife or a parent and child register together at the Ministry of Religious Affairs, can it be ensured that they will perform Hajj in the same year?

For a husband and wife or family to perform Hajj together in the same group:

  • The initial BPIH deposit at the bank must be made together to avoid significant time differences due to quota limitations.
  • The Hajj registration at the Ministry of Religious Affairs must be done together to obtain consecutive Hajj quota numbers for the husband, wife, or family.

In special cases, if a family member is over 75 years old, they can apply for an earlier Hajj departure, and one family member can accompany them earlier than scheduled.

All regulations regarding Hajj registration, departure, and related matters are within the authority of the Ministry of Religious Affairs (Kemenag) and may be subject to changes according to Kemenag's decisions.

21. Berapa lama waktu tunggu sejak mendaftar hingga keberangkatan?

The waiting time for departure varies by province. This variation is due to differences in the number of registrants on the waiting list and new registrants in each province. To find out the departure schedule, prospective pilgrims are advised to actively monitor information through the Haji Pintar application, as the waiting list can change at any time due to possible cancellations by prospective pilgrims.

22. What is meant by a Hajj pilgrim eligible to pay the final BPIH? 

A Hajj pilgrim eligible to pay the final BPIH is a prospective pilgrim whose quota number is included in the provincial allocation for departure in the year of the pilgrimage.

23. When can BPIH be paid in full?

Prospective pilgrims can pay the final BPIH after their quota number is announced and included in the list eligible for departure. The final payment schedule will be announced by the government.

24. How much is the final payment for BPIH?

Every year, the government will issue a decision on BPIH for each embarkation in that year. The final payment amount is the difference between the initial deposit and the BPIH determined for each embarkation. As of 2018, the BPIH ranged from Rp 31 million to Rp 39 million (Source: Presidential Decree No. 7 of 2018 regarding the Cost of Organizing Hajj Worship in 2018)

25. Is there a limit to the final payment period for customers?

Usually, 5 months before departure, customers will be informed that they are going to depart. Kemenag will divide the pilgrims into several groups. The final payment must be made 1 month before departure.

26. What is the procedure for the final payment of BPIH?

  • Pilgrims eligible for final payment come to the BPS BPIH where they made the initial deposit, bringing proof of the initial deposit and five 3x4 cm passport-size photos.
  • BPS BPIH personnel process the payment through SISKOHAT.
  • BPS BPIH personnel provide the Pilgrim with a Proof of Payment Certificate.

All provisions regarding Hajj registration, departure, and other matters related to the organization of Hajj are the authority of Kemenag and may be subject to changes according to Kemenag's decisions.

27. What do pilgrims receive when paying the final BPIH?

According to Kemenag regulations, prospective pilgrims who pay the final BPIH are entitled to receive the following items from the bank:

  • Mukena (prayer garment) for female pilgrims
  • Ihram fabric for male pilgrims
  • Hajj batik fabric and a hajj guidebook for both male and female pilgrims

All provisions regarding Hajj registration, departure, and other matters related to the organization of Hajj are the authority of Kemenag and may be subject to changes according to Kemenag's decisions.

28. If a prospective pilgrim falls ill before the departure date, can the departure be postponed?

Prospective pilgrims can apply for a Hajj postponement by submitting a letter to the Head of the District/City Ministry of Religious Affairs, along with strong reasons for the postponement. Postponement can only be done twice in a Hajj season.

All provisions regarding Hajj registration, departure, and other matters related to the organization of Hajj are the authority of Kemenag and may be subject to changes according to Kemenag's decisions.

29. If a prospective pilgrim passes away before the departure date, what happens?

In case of the prospective pilgrim's death before the departure, either a replacement pilgrim can be nominated or the BPIH can be refunded to the heirs.

For the nomination of a replacement pilgrim, the conditions are as follows:

  • The deceased prospective pilgrim must have been listed as eligible for the final BPIH payment in the current year.
  • The heir must submit a written request to the local Ministry of Religious Affairs office, accompanied by the required documents.
  • Eligible replacements are the spouse, child, or son/daughter-in-law. The substitution application must be known by the local community leader (RT), neighborhood leader (RW), village head, and sub-district head.
  • The replacement pilgrim can depart in the current or subsequent Hajj season
  • Documentation required for the substitution application includes:
  • Original death certificate from the local Civil Registration Office (Dukcapil) or a death certificate from the village/district known by the sub-district head
  • Original power of attorney indicating the transfer of the deceased pilgrim's quota number, signed by the natural child, spouse, and son/daughter-in-law, acknowledged by the RT, RW, village head, and sub-district head
  • Original letter of absolute responsibility signed by the heir with a stamp
  • Original and authenticated photocopies of the BPIH initial deposit and/or final payment
  • Photocopies of ID cards, family cards, birth certificates/identification letters, or other relevant proof, legalized and stamped by the authorized official.

Cancellation of the Hajj registration is done at the Ministry of Religious Affairs office in the district/city by submitting:

  • A cancellation request letter with a Rp. 6,000 stamp;
  • The original proof of the BPIH initial deposit;
  • The original transfer application for the BPIH initial deposit;
  • Photocopy of the active passbook;
  • Photocopy of the ID card and the original ID card;
  • Include a contact number in the application;

 

For the cancellation application for a pilgrim who has passed away, the cancellation request should include the heir's bank account for the BPIH refund (preferably in the same BPS as the deceased pilgrim). It should be accompanied by documents such as:

  • The deceased pilgrim's death certificates,
  • A statement of inheritance from the neighborhood/village head known by the sub-district head,
  • A power of attorney from the heir,
  • A statement of absolute responsibility from the heir,
  • Based on these documents, Kemenag will verify and issue a Cancellation Letter.

Once the bank receives the Cancellation Letter, it will coordinate with Kemenag for further cancellation processes, which will be forwarded to BPKH. The bank will then receive information from BPKH for the withdrawal of the Debit Instruction Letter.

The bank will debit the account according to the Debit Instruction Letter and transfer the transaction to the pilgrim's or heir's hajj savings account. The refund to the heir follows the applicable legal provisions.

All provisions regarding Hajj registration, departure, and other matters related to the organization of Hajj are the authority of Kemenag and may be subject to changes according to Kemenag's decisions.

30. How long does the process of refunding the initial deposit take?

The process of refunding the initial deposit will involve Kemenag, BPKH, and the bank. Prospective pilgrims will receive further notification about the initial deposit refund process.

31. If a married couple has registered for Hajj since before marriage with different domiciles, can they request to combine their departure to travel in the same year?

The conditions for requesting the combination of Hajj pilgrims, such as a husband and wife or a parent and child, are as follows:

  • They must have a family relationship proven by a marriage certificate (for spouses), a birth certificate or a family certificate (for children/parents), and the prospective Hajj pilgrims must show the original documents.
  • One of the Hajj pilgrims (e.g., the husband) has already paid the first stage or full payment of BPIH in the previous year.
  • The other Hajj pilgrim (e.g., the wife) has been registered and obtained a quota number two years before. For example, for the year of departure in 2018, the Hajj pilgrim who will request acceleration for combination must have been registered before January 1, 2016.
  • Both Hajj pilgrims seeking combination are registered in the same province.
  • The Hajj pilgrims submit a letter requesting combination and complete it with documents: Photocopy of ID card, family card, birth certificate, marriage certificate, passport (if any), SPPH, and proof of payment for the final BPIH.

All regulations regarding Hajj registration, departure, and other matters related to the organization of Hajj are under the authority of the Ministry of Religious Affairs (Kemenag), and changes may occur according to the decisions of the Ministry of Religious Affairs.

32. If a pilgrim has successfully registered for Hajj and then changes their address, will the pilgrim depart from the embarkation point according to the old identity card or the new identity card?

When successfully registering for Hajj and receiving a quota number, the prospective pilgrim is already registered as a pilgrim in the province according to their identity card. Therefore, when the pilgrim changes their address and replaces the identity card, the prospective pilgrim remains registered in the region according to the original identity card.

33. If someone has made the initial deposit through another BPS (Payment Service Provider) and has received a quota number from the Ministry of Religious Affairs, can it be transferred to BCA Syariah?

The payment of the initial deposit and the final BPIH payment must be made at the same bank, except when the bank that received the initial deposit is no longer in operation or is no longer designated as a BPS BPIH.

34. What is the procedure for canceling and refunding BPIH?

Cancellation of Hajj registration is done by the Hajj pilgrim at the Ministry of Religious Affairs office in the district/city by submitting:

  • A stamped cancellation request letter worth Rp. 6,000;
  • The original proof of the BPIH initial deposit;
  • The original transfer application for the BPIH initial deposit;
  • Photocopy of the active passbook;
  • Photocopy of the ID card and showing the original;
  • Including a contact number.
  • Based on the cancellation request, the Ministry of Religious Affairs will issue a Cancellation Letter.
  • After the bank receives the Cancellation Letter, it will coordinate with the Ministry of Religious Affairs for further cancellation processes, which will be forwarded to BPKH. The bank will then receive information from BPKH for the withdrawal of the Debit Instruction Letter.
  • The bank will debit the account according to the Debit Instruction Letter and transfer the transaction to the pilgrim's or heir's hajj savings account.

All provisions regarding Hajj registration, departure, and other matters related to the organization of Hajj are the authority of the Ministry of Religious Affairs and may be subject to changes according to the Ministry's decisions.

35. For customers aged 12 and above (children category), do they need to come to the branch?

Customers aged 12 and above must come to the branch because the account is created in the customer's name, requiring the customer's presence for a signature.

General information about BCA Syariah's products and services

Types of products

Online Account Opening

1. How to open a BCA Syariah account online?

The steps for opening a BCA Syariah online account are as follows:

  1. Download the BCA Syariah application from the Play Store or App Store
  2. Prepare the required documents, namely E-KTP and NPWP (if any)
  3. Make sure the registered phone number in the BCA Syariah Mobile application is in sim card slot 1
  4. Ensure you have enough regular phone credit to send and receive Premium SMS (not data or SMS package credit)
  5. Make sure your GSM service can send and receive premium SMS
  6. Ensure you are connected to a strong and stable internet connection
  7. Follow the online account opening steps on the BCA Syariah Mobile application

2. If a customer already has a BCA Syariah savings account, can they open another/additional account?

Currently, BCA Syariah Mobile online account opening is intended for the first account opening and for those who do not have an account with BCA Syariah.

3. What if I already have BCA Syariah but haven't downloaded BCA SYARIAH Mobile?

Please download BCA Syariah Mobile and register online to use BCA Syariah Mobile services. The online registration process for BCA Syariah Mobile can be seen at https://www.bcasyariah.co.id/register-aktivasi-online-bca-syariah-mobile

4. What are the service hours for online account opening?

BCA Syariah online account opening can be done 24/7. Specifically, for account openings that require data verification through video calls to the Halo BCA agent, video calls can be made from 06:00 - 22:00 WIB every day.

5. Who can open this online savings account?

  • Indonesian citizens, individuals
  • Have an E-KTP

6. What documents are required for online account opening at BCA Syariah?

E-KTP and NPWP (if any)

7. When can a customer do a video call?

The Halo BCA agent's service hours for video calls are from 06:00 - 22:00 WIB, every day

8. What if a customer needs information on online account opening?

You can contact Halo BCA 1500888 or see information on BCA Syariah Online Account Opening services on the website page https://www.bcasyariah.co.id/pembukaanrekeningonlinebcas

9. Are there any specific mobile device specifications required? 

DEVICE TYPE SPECIFICATIONS

Android
  • Minimum Operating System (OS) version 5.1 Lollipop
  • Connected to the internet

iPhone
  • Minimum ios 11 to download the BCA Syariah Mobile application
  • Minimum ios 12.1 to perform video call processes
  • Connected to the internet

 

 

 

 

 

 

 

 

10. Can customers who open BCA Syariah online get an ATM/Debit Card and a passbook?

Customers can get an ATM/Debit Card by going to the nearest branch, bringing:

  • E-KTP
  • Account number
  • Virtual ATM PIN number informed through the BCASyariah Mobile application inbox or email input and validated by the customer during the previous online account opening process
  • Mobile phone with the installed BCA Syariah Mobile application

11. What if the customer does not receive OTP SMS?

Please make sure:

  1. The customer has entered the phone number correctly starting with "08xx xxx, etc., without using +62 or 62 or +
  2. Having regular credit from an active provider and can receive/send Premium SMS

12. What if the received OTP has expired?

Customers can request OTP again

13. What if a prospective customer receives the following message:

"NIK has been registered. Please register online or come to the nearest branch"

If you receive a message like the one above, it means the customer has been registered as a BCA Syariah customer before, so the customer is directed to register. Please continue with online registration by entering the account number, NIK, and ATM PIN or register at the branch with the assistance of BCA Syariah staff at the nearest branch.

14. How to take a proper KTP photo?

  1. Make sure there is sufficient lighting when taking a KTP photo and no light reflections on the E-KTP surface
  2. Ensure the background area where the KTP is placed does not have many other objects or is placed on a patterned area, so it does not interfere with the Optical Character Recognition (OCR) process
  3. Make sure when taking a KTP photo, the KTP position is inside the guide box provided on the HP screen
  4. Make sure the KTP photo is clear and not blurry
  5. Check the OCR-inputted data in the BCAS Mobile application with the data on the E-KTP. Customers can make corrections if there are differences between the data entered in the BCAS Mobile application and the data on the E-KTP.

15. How to take a proper and accurate selfie photo?

  1. Ensure there is sufficient lighting when taking a selfie photo and no light reflections
  2. Make sure the face is not covered by glasses, masks, or other objects
  3. Ensure the face is within the circular guide on the HP screen
  4. Wear neat and decent clothing

16. What if I encounter problems during the KTP upload process

Customers are advised to ensure that the E-KTP photo-taking process is done correctly and correctly according to the guidelines, check the internet network connection, and are advised to try taking and uploading KTP photos again.

17. What is the process of data verification in BCA Syariah online account opening?

The data verification and KYC (Know Your Customer) online account opening process at BCA Syariah is carried out using face biometric technology and e-KYC connected to the Civil Registry (Dukcapil) so that the data verification process is done online and in real-time. Because the data verification process is done online and in real-time, the BCA Syariah account opening process can be completed in real-time, and the BCA Syariah account can be used immediately by customers.

18. What happens if I do not immediately do KYC video call?

If it exceeds the specified time, namely 7 days, and the customer does not make a video call to Halo BCA, the customer must repeat the BCA Syariah online account opening process.

19. How long will the account be active after KYC with video call?

The BCA Syariah account will be immediately available after the entire online account opening process, including the KYC process with a video call, is successfully completed.

20. What if the video call does not connect?

Please wait, and customers can contact the Halo BCA video call agent 1500888 periodically during the Halo BCA video call agent's operating hours.

21. What if I receive an error due to unstable internet during video call?

Please check the internet connection or change to another more stable internet connection option, and contact the Halo BCA video call agent again.

22. After I open an account, do I still need to come to the branch for a re-opening?

Customers are not required to come to the BCA Syariah branch to re-open the account after the successful online account opening. If the online account opening is successful, the customer will receive a successful account opening notification along with the account number, and the customer can immediately transact with the account.

23. How do I know the account number that has been formed?

Customers will receive a pop-up notification at the end of the online account opening process and a notification via email (if the customer enters an email and validates the email during the online account opening process). The account number will also be available in the Rekeningku (My Account) menu on the BCA Syariah Mobile application.

24. How does the customer activate and create a PIN for the received ATM/Debit Card?

ATM debit PIN activation can be done at the BCA Syariah branch when you collect the physical ATM/Debit card.

25. Can I try again if the account opening fails?

If the BCA Syariah online account opening fails, please open an account at the nearest BCA Syariah branch.

26. What is meant by Referral Code?

The Referral Code is a unique code owned by all BCA Syariah customers and can be used by prospective customers during the opening of a new customer account so that the referral code owner is entitled to certain rewards according to the ongoing marketing program.

27. Where can information on the referral code be obtained?

Referral Code information can be obtained in the admin menu on BCA Syariah Mobile.

28. Notification appears that data is rejected by the server after OCR/Scan KTP

Customers can try repeating the OCR/scan KTP periodically after 15 minutes.

29. What if there is no postal code option during the online account opening process?

If there is no postal code option during the account opening process, customers are advised to select the postal code through the drop-down method by pressing the icon choice. Make sure the address and region filling is complete and correct.

30. What if the account opening data (account number and virtual ATM number) is not sent via email

Another option to check the Virtual ATM number, customers can check in the inbox menu in the BCA Syariah Mobile application. If the customer changes the device and has uninstalled the BCA Syariah Mobile application, the customer can visit the nearest BCA Syariah branch to get assistance from branch staff.

31. How can the virtual ATM number be sent to the customer's email during the online account opening process?

Make sure the customer enters an email and validates the email correctly during the online account opening process. The customer will receive an email containing the virtual ATM number.

32. How to fill in the account opening address if the customer does not have a KTP address?

If the customer does not have a KTP address, the customer can fill in the address section using the address that the customer has at the time of the account opening process, and the customer must ensure the address entered is correct and complete.

33. What is a Fit and Proper Test?

The Fit and Proper Test is a test conducted to assess whether customers meet the requirements for opening a BCA Syariah account.

34. What is the maximum age limit for opening a BCA Syariah account?

The maximum age limit for opening a BCA Syariah account is 65 years.

35. How to change the account opening address?

Changes to the account opening address can be made by the customer at the nearest BCA Syariah branch after successfully opening an account.

36. What if the customer fails to do KYC video calls within the specified time?

If it exceeds the specified time, namely 7 days, and the customer does not make a video call to Halo BCA, the customer must repeat the BCA Syariah online account opening process.

37. How to use the Referral Code for BCA Syariah online account opening?

During the online account opening process, customers can enter the Referral Code in the Referral Code column.

38. What if the customer cannot download the BCA Syariah Mobile application?

Customers can download the BCA Syariah Mobile application through the official application store, namely the Play Store for Android and the App Store for the iPhone. If customers have trouble downloading the application, make sure the device is connected to the internet and has sufficient memory space.

39. What is the maximum transaction limit for BCA Syariah online account opening?

Currently, there is no information regarding the maximum transaction limit for BCA Syariah online account opening. Customers can contact Halo BCA 1500888 for more information.

40. What if the customer loses their mobile phone after successfully opening a BCA Syariah account?

Customers are advised to immediately contact Halo BCA at 1500888 to block BCA Syariah Mobile access. Customers can also come to the nearest BCA Syariah branch to get assistance from branch staff.

Savings

TAHAPAN iB

1. Q: Do I need to bring a Savings Book if I want to make a withdrawal with a large amount?

 A: Customers are required to bring a Savings Book if they want to make a withdrawal, and there is no specific amount required for withdrawals at the teller.

2. Q: If I want to withdraw Cash at the ATM, do I need to bring a Savings Book?

 A: Customers do not need to bring a Savings Book if they want to withdraw cash at the ATM.

3. Q: What are the types of Tahapan iB Debit Cards and their functions?

 A: 

No

Description

GPN Silver

GPN Gold

1

Cash Withdrawal

IDR 5,000,000

IDR 10,000,000

4.    Q: I have a Debit/ATM BCA Syariah card. However, I want to withdraw Cash at BCA ATMs. Is this possible?

A: Currently, BCA Syariah ATMs are still integrated with BCA ATMs. Therefore, cash withdrawals, transfers, balance inquiries, and BCA Credit Card payments can be made at all BCA ATMs.

5.    Q: Can the opening of Tahapan iB accounts be delegated?

A: The opening of Tahapan iB accounts cannot be delegated because the account opening process requires KYC (Know Your Customer). Customers will undergo a liveness test by taking a selfie photo, capturing an e-KTP (electronic ID), and NPWP (tax identification number) through their phone camera.

6.    Q: What is meant by BCA Syariah ATM/Debit Card?

A: BCA Syariah ATM/Debit Card is a card issued by BCA Syariah that can be used by the cardholder to make specific transactions in accordance with Sharia principles through BCA ATMs and/or other designated facilities determined by BCA Syariah.

7.    Q: Do I need to have NPWP for the opening of a Tahapan iB account?

A: Customers do not need to have NPWP (tax identification number) but are required to have a KTP (national ID).

8.    Q: What is the difference between Wadiah and Mudharabah contracts?

A:   

  • Wadiah Contract: A contract with a deposit scheme where the customer deposits funds with the bank and can withdraw them at any time.
  • Mudharabah Contract: A contract with a cooperation agreement between the customer and the bank where the customer entrusts funds to the bank for proper management. The customer receives a profit share based on the agreement at the beginning of the contract.

9.    Q: How to perform a liveness test?
A: 

  • The customer is in a bright room with good lighting, and there is no one else around.
  • Ensure the selfie photo is in the center of the frame. The photo should be vertical according to the camera (not tilted).
  • The customer is not wearing facial accessories such as hats, glasses, helmets, and masks.
  • When taking a selfie photo, the customer should remain still without moving their hands or walking.

10.    Q: Will I receive a Debit card for online account opening?

A: The ATM/Debit card will be automatically linked to the customer's account once the account is active, and the card will be sent to the customer's registered address.

Financing

not available

Electronic Banking

BCA Syariah Mobile

1. What transactions can be done in BCA Syariah Mobile?

Customers can perform the following transactions:

Transaction Type

Category

Services

Non-Financial

Information

Account and savings balance information

Deposit information

Financing information

Account transactions

Transaction history

Branch office information

Administration

Change Email address

Change password

Change mobile PIN

Transfer

List of destination accounts

Remove/Edit destination accounts

Financial

Transfer

Transfer to BCA Syariah account

Zakat, Infaq, or Shodaqoh transfer

Online transfer to BCA or other banks through Prima network

Transfer to BCA or other banks through SKN or RTGS

Payment

Prepaid electricity (PLN)

Prepaid mobile phone

 

Purchase

Postpaid & Non-electricity bills (PLN)

Telkom

Postpaid mobile phone

Internet

Cable TV

Tap water company (PDAM)

Train tickets

 

2. Is it safe to transact on BCA Syariah Mobile?

  • BCAS mobile is designed with layered security, including:
  • Use of SSL (secure socket layer) with end-to-end encryption from mobile to mobile banking server to protect data transmission on mobile banking
  • BCAS mobile can only be used on 1 SIM card serial number and 1 device mobile number (IMEI) for 1 customer data (CIF)
  • Use of a password in each login process
  • Use of mobile PIN as authorization for financial transactions

3. How can I obtain/use the facilities of BCA Syariah Mobile?

Customers can follow these steps:

  • Register at BCA Syariah branch office
  • Download the BCAS mobile application through the following methods:
    •  Apple Store for iPhone users.
    • Google Play Store for Android users.
    • Activate BCAS mobile on the mobile phone

4. Are there any specific requirements for the type of mobile phone to use BCA Syariah Mobile facilities?

Currently, the facility is available for smartphones with Android and iPhone platforms with the following operating system types:

Phone Type

Description

Android

All types of Android with a minimum Operating System (OS) version 5.1

Connected to the internet network.

iPhone

All types of iPhones with a minimum Operating System (OS) version 11

Connected to the internet network.

5. How do I know that I have successfully registered as a user of BCA Syariah Mobile?

Customers will receive a Registration Info SMS containing the User ID and Activation Code. The SMS will be sent to the customer's mobile phone registered during registration at the BCA Syariah branch.

6. How do I know that I have successfully downloaded the BCAS mobile application?

After successfully downloading the BCAS mobile application, go to the main menu or application/download menu on your mobile phone, and you will see the BCAS mobile icon.

7. How to activate the BCA Syariah Mobile facility?

Customers can select the BCA Syariah mobile icon from the mobile phone menu and then follow these steps:

  • Enter User ID
  • Enter password
  • Enter activation code
  • Enter email address (if available)
  • Agree to the Terms and Conditions of BCAS mobile displayed on the mobile phone screen
  • Create a mobile PIN
  • If the activation is successful, the screen "Activation Success" will appear

The activation process must be done within 24 hours after registering at the BCA Syariah branch.

8. What if I haven't received the Registration Info SMS or the SMS is deleted?

Customers can visit the BCA Syariah branch and re-register.

9. What if I haven't activated within 24 hours after registration at the branch?

Customers can visit the BCA Syariah branch and re-register.

10. What if I forget my User ID?

If the customer has successfully activated, there is no need to worry about forgetting the User ID because the User ID will be automatically saved in the system, so for the login process, the customer only needs to enter the password.

11. What if I forget the PIN?

Customers can visit the BCA Syariah branch and re-register.

12. Why does the BCAS mobile facility become unusable when I change the SIM card on the downloaded mobile device?

For customer security, BCA Syariah mobile can only be used on 1 SIM card and 1 device (IMEI) number for 1 customer data (CIF). If the customer wants to change the SIM card, it is recommended to visit the BCA Syariah branch and close the facility first before re-registering.

13. What if I only change the mobile phone but not the SIM card?

For customer security, BCAS mobile can only be used on 1 SIM card and 1 device (IMEI) number for 1 customer data (CIF). If the customer wants to change the mobile phone, it is recommended to visit the BCA Syariah branch and follow these steps:

  • Complete the facility closure and re-registration process
  • Redownload the BCAS mobile application
  • Activate on the mobile phone

14. Why can I see all my accounts through BCA Syariah Mobile?

BCAS mobile is designed to connect with customer (CIF) data. Therefore, all accounts or financing related to the same CIF as the registered BCAS mobile account can be accessed (except for accounts with join account status).

15. How to check if transactions made on BCA Syariah Mobile have been successful?

If the customer has entered the mobile PIN for transaction authorization, the next screen will display a notification if the transaction is successful. Customers will also receive a transaction notification in the inbox menu.

16. Can I send the transaction proof in the inbox and email to someone else?

Yes, customers can send the transaction proof to someone else by sharing the message or copying and pasting it to the mobile phone number or email address.

17. Can I review the transactions I have done on BCA Syariah Mobile?

Customers can review the history and status of transactions made through BCAS mobile in the Transaction History menu. The maximum transaction history that can be viewed is up to 31 days, with a maximum transaction history of 3 months ago.

18. How long is the transaction mutation period that I can see?

Customers can view transaction mutations with a maximum transaction information period up to 3 months ago.

19. Will I be charged if I register as a user of BCA Syariah Mobile?

Customers are not charged during the registration process or monthly administrative fees for using the BCA Syariah mobile facility.

20. Are there transaction fees on BCA Syariah Mobile?

Transaction fees are only applied to transactions such as transfers to accounts in other banks through the Prima, SKN, and RTGS networks.

21. What is the transaction limit on BCA Syariah Mobile?

The transaction limit for BCA Syariah mobile is:

Transaction Type             

Minimum Transaction (Rp)

Maximum Transaction  (Rp) 

Inter-Account Transfer within BCA Syariah

10,000

100,000,000

Transfer to Other Banks (PRIMA & ALTO)

10,000

100,000,000

Transfer to Other Banks (SKN)

10,000

100,000,000

Transfer to Other Banks (RTGS)

10,000

100,000,000
  • The transaction limit above is the combined limit for Inter-Account Transfer within BCA Syariah and Transfer to Other Banks through PRIMA, SKN, and RTGS networks.
  • The transaction limit above is the daily limit per account used for transactions in Mobile Banking.
  • The transaction limit above is separate from the BCA Syariah ATM Card limit used for BCA Syariah Mobile registration.

22. How to delete or stop using BCA Syariah Mobile services?

Customers can take the following steps:

  • Visit the nearest BCA Syariah branch and deactivate the BCAS mobile service
  • Remove the BCA Syariah Mobile application from the customer's phone by uninstalling it

23. What should be done if there is a problem with transactions on BCA Syariah Mobile?

Customers are advised to immediately contact the nearest BCA Syariah branch or Halo BCA

24. Who should be contacted for questions about BCA Syariah Mobile?

Customers can contact the nearest BCA Syariah branch or Halo BCA at 1500888

BCA Syariah Mobile 2.0

25. My BCA Syariah Mobile is automatically updated, and the display changes. Is this the official application from BCA Syariah?

BCA Syariah has released the latest version of BCA Syariah Mobile, which introduces new menus. To ensure that the BCA Syariah Mobile you downloaded is the official version from BCA Syariah, make sure of the following:

  • Only download the application from official sites such as Google Play Store and App Store
  • Make sure the application you download is BCA Syariah Mobile from PT Bank BCA Syariah
  • Verify the information in the developer contact details:

26. What is the difference between the old BCA Syariah mobile banking and the current one?

The BCA Syariah Mobile released in August 2022 is the latest version of the application, where BCA Syariah Mobile comes with a fresh look and some improvements to make customers more comfortable in transactions.

27. Why am I asked to change the Login PIN to Access Code?   

To improve your comfort and security in transactions, the 6-digit Login PIN needs to be changed to a 6-character combination of letters and numbers known as the Access Code.

28. What is the Access Code? 

The Access Code is used to log in to the BCA Syariah Mobile application. In the previous version of BCA Syariah Mobile, login was done using the Login PIN. The Access Code replaces the Login PIN. The Access Code consists of 6 characters, a combination of letters and numbers (alphanumeric), and is case-sensitive.

29. What is the Transaction Code?  

The Transaction Code is used to authenticate financial and non-financial transactions. In the previous version of BCA Syariah Mobile, it was called the Transaction PIN.

27. Do I have to change the Transaction PIN to the Transaction Code?

You can still use the Transaction PIN you used in the previous version. If you want to change the Transaction PIN, you can do so through the Admin menu. The same applies to changing the registered email address and the Access Code, which can also be done through the Admin menu. For the security of transactions, we recommend that customers periodically change the Access Code and Transaction Code.

28. If I don't want to change the Login PIN to the Access Code, can I still use BCA Syariah Mobile?

If the BCA Syariah Mobile application installed on the customer's smartphone is the latest version (BCA Syariah Mobile version 2.0 or later), then the customer must create an Access Code before using BCA Syariah Mobile. Unless the customer is still using the BCA Syariah Mobile application version before version 2.0, in which case the customer can still use the Login PIN.

29. Can the new BCA Syariah Mobile transfer to BCA virtual accounts?

Similar to the previous version of BCA Syariah Mobile, transfers to several virtual accounts can be done through the Transfer to Other Banks via Online menu.

30. Why is the balance in the My Account menu different from the one in the transaction history?

The balance displayed in the My Account menu is the effective (ready-to-use) balance, which does not show held balances according to the respective product terms. Meanwhile, the balance displayed in the Transaction History menu includes all balances, including held balances.

31. Why can't my smartphone use the BCA Syariah Mobile application anymore?

If the application installed on your smartphone is version 2.0 or later, please ensure that you are using at least Android version 5.1/Lollipop (for Android users) and iOS version 11 (for iOS users). Also, make sure you are connected to a stable internet network.

32. What if my application is deleted/uninstalled from the smartphone?

To use BCA Syariah Mobile, you can register and activate online or activate it at the nearest BCA Syariah branch. For the steps of online registration and activation, get information Here

33. Can I choose to keep using the old version? I prefer using the old version.

According to BCA Syariah's policy, customers will be informed about the latest application version. If customers choose to update, they will automatically be directed to download the latest version. If customers do not choose to update, they can still transact using the previous version.

If your smartphone meets the minimum version of BCA Syariah Mobile 2.0 (or later) which is Android version 5.1 (for Android users) and iOS version 11 (for iOS users), we strongly recommend updating to the latest application. This is for the convenience and security of your transactions.

34. If I encounter difficulties in updating or activating, what should I do?

You can contact Halo BCA at 1500888 or visit the nearest BCA Syariah branch.