Each bank has a limit or maximum transfer limit for each use. Likewise every large and small bank throughout Indonesia. Including large banks BCA. In addition to having many services at the bank, BCA also makes it easier for its customers to make a transaction. BCA's transfer limit is one of the provisions of Bank Central Asia. Regarding this transfer limit, there are various types of BCA bank services that will have different nominals. The difference usually depends on the type of card that the customer uses. For more details about this BCA transfer limit, you can understand it through the explanation below.

BCA Transfer Limit and Fees

The amount of BCA's transfer limit depends on the type of card used by the customer. This transfer limit has also been set by BCA based on the needs of each customer. This is carried out with the aim of protecting customers from crime and other bad things. There are four types of ATM cards, including BCA Blue, Gold, Platinum, Xpresi, and SimPel. Each type of card has an optimal transfer limit every day. There is also a BCA transfer limit depending on the transfer tool. The optimal transaction limit for users who use ATM machines will be different from users who use mobile banking or BCA internet banking.

BCA Transfer Limit to Fellow BCA

Each type of card has a different limit. At BCA, there are different limits based on the type of ATM card color. Therefore, before making a transfer to fellow BCAs, first make sure the color of the BCA ATM card used. The details of the transfer limits for each type of card are as follows:
  1. The BCA Silver ATM transfer limit has a maximum limit of IDR 25 million in a day.
  2. The transfer limit for BCA Gold ATMs is limited to a maximum number of transfers in a day of IDR 50 million.
  3. The transfer limit for ATM BCA Platinum has a maximum limit of IDR 100 million in a day.

BCA Transfer Limit to Other Banks via ATM

For those of you who want to make transfer transactions from BCA to other banks using ATM machines, the nominal limit or limit applied is as follows: 
  1. The transfer limit for ATM BCA Silver has a maximum transfer limit of IDR 10 million in a day.
  2. The transfer limit for BCA Gold ATMs is limited to a maximum of IDR 15 million in a day.
  3. The transfer limit for BCA Platinum ATMs has a maximum transfer limit of IDR 25 million in a day.
For information, transfers from BCA ATMs to fellow BCAs will not be subject to admin fees or are free. However, for transfers from BCA ATMs to accounts other than BCA, an admin fee of IDR 6,500 will be charged.

BCA Transfer Limit to Fellow BCA m-Banking

As explained above, the maximum limit and transfer fee of BCA are differentiated based on the type of transaction and card owned by the customer. Not only that, the transfer limit will also vary based on the transfer tool, namely ATM and m-banking. You can also transfer to fellow BCAs through m-banking, which is commonly known as KlikBCA. KlikBCA is an electronic banking product from BCA. The ease of transactions and guaranteed security make this application the right choice for its users, especially in this modern era. Everything can be done online if you make a transaction with the application. Plus, in this pandemic era, which requires every community to stay at home. With this m-banking, people will be helped to carry out all activities related to transactions using ATMs. Every day, BCA account holders can transfer up to IDR 250 million through KlikBCA. This limit applies to accounts with fellow BCAs, while if you want to transfer to another bank account that is still in the country, the transfer limit will be limited to IDR 25 million. Keep in mind that KlikBCA does not limit payment limits. In a sense, customers can make payments regardless of their bills as long as your balance is still sufficient. The following is the transfer limit for each type of BCA card via m-banking:
  1. The BCA Blue ATM transfer limit has a maximum limit of IDR 50 million in a day.
  2. BCA Gold ATM transfer limit with a maximum transfer limit of IDR 75 million in a day.
  3. The transfer limit for ATM BCA Platinum has a maximum limit of IDR 100 million in a day.
  4. The BCA Tapres ATM transfer limit has a maximum transfer limit of IDR 75 million in a day.
  5. The transfer limit for BCA Xpresi ATMs is IDR 10 million per day.

BCA Transfer Limit to Other Banks via m-Banking

For BCA transfer limits to other banks using KlikBCA or m-banking, namely:
  1. BCA Blue ATM transfer limit with a maximum transfer limit of IDR 15 million in a day.
  2. The BCA Gold ATM transfer limit has a maximum limit of IDR 20 million in a day.
  3. The transfer limit for BCA Platinum ATMs has a maximum transfer limit of IDR 25 million in a day.
  4. The transfer limit for BCA Tapres ATMs is limited to a maximum number of transfers in a day of IDR 20 million.

BCA Transfer Fees to Other Banks

When making a transfer from BCA bank to another bank, there will be an admin fee that will be deferred to you. For the transfer fee from BCA to BAnk Mandiri, you will be charged IDR 6,500. This transfer fee also applies to money transfers between banks in various ways, including through ATMs, internet banking, SMS banking, and mobile banking. Meanwhile, remittances from BCA to Bank Mandiri through clearing will be charged a fee of IDR 5,000. Meanwhile, money transfers through RTGS will be charged a fee of IDR 25,000.

BCA Transfer Limit via Teller

For new customers, they will usually be more accustomed to transacting through bank tellers or BCA branch offices. This is one of the lessons to know from the beginning how easy it is to send money out of town, both to others and different accounts. Every transfer transaction at a BCA teller, customers must comply with the regulations related to the BCA transfer limit at the teller that reaches the maximum limit, namely:
  1. The transfer limit at the Blue stage is IDR 50 million.
  2. The transfer limit at the Gold or Tapres stage is IDR 75 million.
  3. The transfer limit at the Platinum stage is IDR 100 million.
To overcome the BCA ATM transfer limit when you need to transfer funds beyond the specified limit, you can do one of the two things below, including:

Make Direct Transfers from Bank BCA Tellers

If you need to transfer funds in a larger amount than the nominal limit allowed through BCA ATMs, then you should be able to do so through a BCA teller at the nearest BCA branch office from your home. Although you may have to bother to queue and wait later, it is still better because your transfer needs can be met.

Divide the Transfer Amount into Multiple Days

If you still want to make a transfer through a BCA ATM but with a nominal amount that exceeds the limit of the imposition, then you can divide the amount you want to transfer into several days. For example, if you are a Silver ATM card user who is subject to a transfer limit of IDR 25 million to fellow BCAs, while the amount of funds you want to transfer is IDR 70 million, then you can divide the transfer for three days.

Transaction fees at BCA ATM network

In every bank, of course, they have a delivery channel facility in the form of an ATM machine. These ATM machines have been spread to every city and region that you can use anywhere and it is easier to make transactions independently. However, for customers who live in remote areas in the city center or if they are traveling, they will usually have difficulty finding an ATM machine according to the bank where they are saving. Because of this, you can use the ATM Bersama switching network, which is an interbank connection network that allows you to check balances, cash withdrawals, and also transfers between different banks through ATM machines that are members of the ATM Bersama network. Of course, you need to make sure the ATM card from the bank you are using is a member of the ATM Bersama network. And BCA is also one of the banks that also uses the ATM Bersama switching network. To be able to use the ATM Bersama switching network service on BCA ATM machines, you just need to insert your ATM card as usual on the ATM machine when making transactions at ATMs. Because ATM Bersama is a switching network that can connect various transactions from banks that are members of each other. Through the ATM Bersama network, you can use various services such as cash withdrawals, balance checks, transfers, and PIN code changes. But you also need to know, that there are fees charged every time you transact between banks when using the ATM Bersama service. The maximum amount of tariff from the transaction that will be charged is as follows:
  1. For transfer transactions of IDR 6,500.
  2. For cash withdrawal transactions of IDR 7,500.
  3. For balance check transactions of IDR 4,000.
  4. If the balance is not enough, a fee of IDR 3,000 will be charged.
This transaction rate will always be charged every time you use the ATM Bersama switching network. For example, if you make a cash withdrawal and after that you make a balance check transaction, then the fees that will be charged are IDR 7,500 and IDR 4,000. So the balance in your account will automatically be reduced by IDR 11,500. This can be the best alternative for those of you who don't find the Bank ATM that you use around the place. However, the amount of fees charged to its customers who transact through ATM Bersama depends on the Bank's policies and strategies to its customers. Please note, some banks do not charge at all or for free. Some banks use a partial fee subsidy system, and there are also those that charge their customers full fees.

Types of BCA ATM Cards

For those who don't know, BCA also provides various types of ATM cards to choose from for the convenience and convenience of customers in conducting banking transactions. Based on the transaction limit and benefits, these products can be divided into the following:

BCA GPN Blue Passport

First, there is the BCA Blue passport, which is an ATM and debit card offered by BCA for Tahapan, Tahapan Gold, and individual current account customers. This card can be used as a means of payment or non-cash purchases at all merchants in Indonesia. BCA GPN Blue passport users can also withdraw cash at all BCA ATM machine networks, Prima, or those with the National Payment Gateway (GPN) logo. The monthly administration fee for this BCA ATM card is IDR 15,000. The limit for cash withdrawal transactions at ATMs that customers can do is 10 million rupiah per day. Customers can transfer money to fellow BCAs with a maximum of 50 million rupiah per day, while for interbank transactions of 15 million rupiah per day. If the card is lost or damaged, customers can replace their BCA GPN passport card at the nearest BCA branch office. The documents that need to be attached are a card replacement application form, an Identity Card (KTP) or passport, and an old debit card if any. The cost of replacing the BCA ATM card is IDR 10,000.

BCA GPN Gold Passport

Furthermore, there is a type of BCA ATM card as well as debit known as the GPN Gold passport. As the name implies, this passport has a gold design with the GPN logo. Customers can also make payments or purchases throughout Indonesia using this ATM card. Ownership of a BCA GPN Gold passport can be obtained by opening a Tahapan, Tahapan Gold, or individual current account account. Every month, users of this passport will be charged an administration fee of Rp 17,000. Customers can withdraw cash at ATMs with a BCA GPN Gold Passport up to 10 million rupiah per day. The limit of payment transactions at merchants in collaboration with BCA is 75 million rupiah. Money transfers to fellow BCAs are a maximum of 75 million rupiah per day, while to other bank accounts in the amount of 20 million rupiah per day. In addition, BCA provides a facility to replace passport cards if they are lost or damaged. Customers can visit BCA branch offices by attaching the card replacement form, valid identity card, and old debit card if any. Users will be charged Rp 15,000.

BCA GPN Platinum Passport

Another GPN card for Tahapan and Tahapan Gold customers is the BCA GPN Platinum Passport. This BCA Platinum Passport Card sets the largest fee. The cost of making or replacing the BCA GPN Platinum Passport Card is pegged at IDR 20 thousand. Meanwhile, the administrative fee is around IDR 19 thousand per month. This ATM card as well as debit can make payment transactions of up to 100 million rupiah at all Indonesian merchants. Every day, users can withdraw cash at ATMs with a GPN Platinum passport with a maximum of 10 million rupiah. Meanwhile, the daily transaction limit for money transfers to fellow BCAs is 1oo million rupiah and to other bank accounts is a maximum of 25 million rupiah.

BCA Mastercard Blue Passport

This BCA Passport Card is intended for Tahapan, Tahapan Gold, and Giro customers. This card offers a cost of making or replacing a card of IDR 10 thousand. Meanwhile, the administrative fee is IDR 15 thousand. This card has a cash withdrawal limit at ATMs of 10 million rupiah, a transfer limit between accounts of 50 million rupiah, and a transfer limit to other accounts of 15 million rupiah.

BCA Mastercard Gold Passport

This BCA passport card is equally for Tahapan, Tahapan Gold, and Giro customers, this BCA Gold Passport card is offered with a cost of making or replacing the card of around IDR 15 thousand. For administration per month, the cost is IDR 17 thousand. The limit for cash withdrawals at ATMs is 10 million rupiah. The transfer limit between accounts is 75 million rupiah, and the transfer limit to other accounts is 20 million rupiah.

BCA Mastercard Platinum Passport

For the BCA Platinum Passport card, the cost of making or replacing the card is around IDR 20 thousand. Likewise, the monthly administration fee is IDR 20 thousand. This card can be owned by opening a Tahapan, Tahapan Gold, and Giro savings account. The limit for cash withdrawal at ATMs is 10 million rupiah, the transfer limit between accounts is 100 million rupiah, and the transfer limit to other accounts is 25 million rupiah.

Tahapan Xpresi

Different from other BCA debit cards, the BCA Xpresi debit card has a trendy and expressive design. This card can only be owned by Tahapan Xpresi customers. The limit for cash withdrawals at ATMs is 7 million rupiah, the transfer limit between accounts is 25 million rupiah, and the transfer limit to other accounts is 10 million rupiah.

BCA SimPel Debit Card

This debit card is owned by SimPel customers. BCA SimPel is a BCA savings account specifically for PAUD, ELEMENTARY, JUNIOR HIGH AND HIGH SCHOOL students as a means of getting to know banking products from an early age. The cash withdrawal limit at ATMs is 7 million rupiah, the transfer limit between accounts is 25 million rupiah, and the cash deposit limit is 15 million rupiah.

Requirements to Create a BCA ATM Card

There are conditions that you must meet when you want to make a BCA ATM card. These requirements will be different for each type of ATM card you want to use. After knowing all types of BCA cards, this time we will discuss the requirements that are imposed when you want to make a BCA ATM. These conditions are:

Tahapan BCA

Tahapan BCA is a savings product from Bank BCA that provides its customers with a lot of convenience in your various banking transactions. The requirements for opening a Tahapan BCA savings account are:
  1. Prospective customers are individuals and foundations.
  2. Fill out and sign the Tahapan BCA account opening application form.
  3. Bring proof of valid identity complete with NPWP.
  4. The minimum initial deposit is Rp.500,000 and subsequent deposits are Rp.50,000.
  5. Minimum average balance per month is Rp.100,000.
  6. The minimum balance is held at Rp.50,000.
  7. The monthly administration fee is in accordance with the type of BCA Passport card (ATM Card) you have.
  8. The cost of making a card is Rp.15,000.
The types of ATM cards available for Tahapan BCA accounts are:
  1. BCA Silver Passport. This card has a limit of IDR 7 million in cash withdrawal at ATM machines in one transaction, as well as transfers through ATM machines of up to IDR 25 million. The administration fee per month is Rp.15,000.
  2. BCA Gold Passport. Passport BCA Gold has a transaction limit from IDR 10 million to IDR 50 million for fund transfers between BCA accounts. For the shopping limit, you can enjoy a limit of up to IDR 50 million. The administration fee per month is Rp.17,000.
  3. BCA Platinum Passport. The Platinum card has a transfer limit of up to IDR 100 million. In addition, the limit of using a debit card to shop at merchants is Rp.100 million. The administration fee per month is Rp.20,000.
  4. Stages of Expression. Tahapan Expresi is a type of savings from Bank BCA that is intended for those of you who are young and dynamic. This product is characterized by a type of card that is beautifully designed and in attractive colors.
The conditions are:
  1. Prospective customers start from the age of 12 years and above.
  2. Fill out and sign the account opening form and complete documents.
  3. The minimum initial deposit is IDR 50 thousand and the minimum subsequent deposit is IDR 50 thousand.
  4. Individual customers cannot use a join account.
  5. The minimum balance is held at IDR 10 thousand.
  6. The cost of making a card is IDR 25 thousand.
  7. The expression stage does not use a passbook.
  8. The card design can be chosen according to taste.

Simpanan Pelajar (SimPel)

SimPel BCA Savings is a savings account intended for students starting from PAUD, ELEMENTARY, JUNIOR HIGH and high school who are under the age of 17 and do not have an ID card. This savings will help students to be more disciplined in managing finances and form the character of Saving Enthusiasts. The requirements for opening Student Savings for children under 12 years old are:
  1. Child's Birth Certificate or Family Card
  2. Parent ID Card
  3. Student Card (If applicable)
  4. Parents' NPWP (If any)
  5. Fill out the individual customer data form
  6. Minimum initial deposit of Rp.5000
As for children over 17 years old, the requirements are the same as above, only a Student Card/certificate from the school and a Parent Statement Letter are added. Student Savings customers will get an ATM card whose limit follows the limit of Paspor BCA Silver, which is a withdrawal limit of IDR 7 million and a transfer of IDR 25 million in one day.

Tahapan Gold

Tahapan Gold is a type of Bank BCA savings that makes it very easy for you to conduct business transactions. This savings will help your business run smoothly because it can be used for 24 hours a week. The requirements for opening a Tahapan Gold savings account are:
  1. Savers are individuals and foundations
  2. Fill out and sign the account opening application form
  3. Bring your original identity (KTP/SIM/PASSPORT) and NPWP
  4. Minimum initial deposit of 10,000,000 with a minimum balance of Rp.50,000
Tahapan Gold is equipped with Paspor BCA Silver, Gold and Platinum ATM cards with the same fees as Paspor BCA for Tahapan BCA savings.

Tapres BCA

Tapres BCA is a BCA savings account that provides more benefits for its customers. Tapres provides higher interest rates and is equipped with BCA e-banking facilities. Tapres uses the Tapres Card as an identification card and the Current Account as a more personal financial report so that it no longer uses a passbook. This savings can be owned by Indonesian citizens aged 17 years and above. For card making, a fee of Rp.15,000 is charged with a choice of Silver, Gold and Platinum cards with the same administration fee as BCA passports.

Benefits of BCA ATM Card

There are benefits that you can get if you use this BCA ATM card. You will get these benefits if you use this card for various activities in transactions. These benefits are:
  1. Can be used for overseas transactions. In addition to being able to be used in Indonesia, you will be able to use the BCA ATM card in the form of a passport at many foreign outlets. However, transactions can be used abroad if the BCA ATM card has the Mastercard logo.
  2. Facilitate customer transactions. You can easily transact by using BCA's EDC with a Personal Identification Number or PIN with only you knowing.
  3. Working with dozens of merchants. BCA ATM cards have also collaborated with dozens of merchants spread across Indonesia so that it will make it easier for you to transact or shop without using cash.
  4. After knowing all the limits on each type of BCA ATM card, you can choose to register yourself on what type of card suits your wishes and the requirements you have. For that, you have to keep looking for other information about the type of card you want to use or have used. Thus the discussion from GICTrade regarding the explanation of BCA's
  5. Transfer Limit. You can also find out other information about banking, trading, and other financial trivia, such as "How to Register for m-Banking BCA to the Benefits" and "BRI Transfer Limit" only on the GIC Journal. Also make sure you deepen your forex knowledge at GICTrade, via the scalping ebook, and also NFP live trading. And don't forget to download GIC Mobile Apps on the Google Play Store or Apps Store.
After knowing all the limits on each type of BCA ATM card, you can choose to register yourself on what type of card suits your wishes and the requirements you have. For that, you have to keep looking for other information about the type of card you want to use or have used. This the discussion from GICTrade regarding the explanation of BCA's Transfer Limit. You can also find out other information about banking, trading, and other financial trivia, such as "How to Register for m-Banking BCA to the Benefits" and "BRI Transfer Limit" only on the GIC Journal. Also make sure you deepen your forex knowledge at GICTrade, via the scalping ebook, and also NFP live trading. And don't forget to download GIC Mobile Apps on the Google Play Store or Apps Store.