- BCA INTERNET BANKING REGISTRATION
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All Customers who deposit their funds with BCA ("Customer") and have a
card that can be used to conduct banking transactions at BCA Automated
Teller Machines ("ATM") ("BCA ATM Card") are entitled to enjoy BCA
Internet Banking facility ("BCA IB").
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To be able to use BCA IB facility, Customer must have a BCA IB user
identity ("User ID") and BCA IB personal identification number ("PIN")
obtained by Customer during the registration process at BCA ATM, BCA
branch office, certain BCA Electronic Data Capture (EDC) machine or
other facilities determined by BCA or through other means as will be
notified by BCA in any form and by any means in accordance with the laws
in force.
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If Customer registers for BCA IB facility with the Customer Service at
BCA branch, the User ID will be sent to Customer's e-mail address as
provided by Customer at the time of registration and the PIN to be used
for the first time is the PIN for the BCA ATM Card.
- TRANSACTIONS USING BCA INTERNET BANKING
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To conduct financial transactions via BCA IB, Customer must have a
KeyBCA.
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Customer must correctly and completely fill out all the required data
for each transaction
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For each financial transaction, the system will always confirm the data
entered by Customer and Customer has the opportunity to cancel the data
by pressing the 'Cancel' or 'Batal' button.
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Customer, in addition to entering the User ID and PIN, must also enter
the numerical code generated by KeyBCA as a sign of approval for the
financial transaction instruction.
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Any information that receives the 'Submit' or 'Kirim' confirmation from
Customer which is stored at BCA data center is deemed to be the correct
data received as evidence of instruction from Customer to BCA to conduct
the relevant transaction, unless Customer can prove otherwise.
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BCA will accept and execute any instruction from Customer as a valid
instruction based on the use of the User ID, PIN and KeyBCA and BCA has
no obligation to examine or investigate the authenticity or validity or
authority of the person using the User ID, PIN, and KeyBCA or assess and
confirm the accuracy and completeness of such instruction, and therefore
such instruction is deemed valid and binding on Customer, unless
Customer can prove otherwise.
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For a transaction with today's effective date, Customer cannot cancel
all transactions that have been authorized by Customer using KeyBCA and
for which BCA has received the confirmation "Submit" or "Kirim" from
Customer, because BCA will process the transaction on a real-time basis.
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For a future date transaction or transaction on a periodic basis,
Customer can cancel the transaction by authorizing the cancellation
using KeyBCA no later than 1 (one) calendar day before the effective
date / maturity date of the relevant transaction.
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A future date transaction or transaction on a periodic basis will be
processed on a daily basis at the start of business of each day. For a
transaction on a periodic basis, if the expiration date falls on the
same date as the periodic effective date specified, then the periodic
transaction that falls on such expiration date will not be processed.
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Funds transfer to an account with another domestic bank will be
processed according to these terms:
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For transfer through LLG (Lalu Lintas Giral) or RTGS (Real Time Gross
Settlement) service, if the effective date of the transaction falls on
a bank holiday, the transaction will be processed on the next bank
day.
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For transfer through online service, the transaction will be processed
on the same day on a real-time basis.
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BCA provides money transfer services between domestic banks and/or
foreign banks in foreign currencies through the Outward Remittance (OR)
services as stipulated in Terms and Conditions for Outward Remittance
Services on KlikBCA Individu (“OR Terms”) which is an integral and
inseparable part of this Terms of Internet Banking (“IB”) PT Bank
Central Asia Tbk (“BCA”). Customer shall agree to the OR Terms every
time Customer conduct an OR transaction on KlikBCA Individu.
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For funds transfer between 2 (two) accounts in different currencies, the
e-Rate exchange rate applicable at BCA will be used.
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At BCA’s discretion, BCA may postpone or not execute OR transaction
which shall be informed by BCA to Customer in any form and by any means.
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In respect of a specific instruction from Customer, for each successful
transaction executed by BCA, Customer will obtain proof of transaction
in the form of a reference number as evidence that the instruction has
been executed by BCA.
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customer must ensure the sufficiency of funds in Customer's account
before the financial transaction instruction is executed by BCA. BCA
reserves the right to not execute Customer's instruction if Customer's
balance in his/her account with BCA is not sufficient.
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Customer shall be responsible for ensuring the accuracy and completeness
of any transaction instruction. BCA is not responsible for any
consequences arising from any incompleteness, obscurity of data or
inaccuracy of instruction from Customer.
- EXCHANGE RATE
Exchange rates, interest rates and other related information, including
but not limited to, stock quotes available on BCA IB are provided only as
an indication of the actual rates, quotes or information and may be
changed at any time by BCA without prior notice.
- REGISTRATION OF MOBILE PHONE NUMBER
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BCA has the right to ask Customer to first register Customer's mobile
phone number before Customer conducts certain transactions through BCA
IB, such as registration of the beneficiary's account for funds
transfer, with other domestic banks.
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The registration of the mobile phone number can be done at ATM/ANT/ATM
STAR BCA or through other means as will be notified by BCA in any form
and by any means in accordance with the applicable laws.
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Customer must register Customer's own mobile phone number which is
active, unblocked and can receive SMS (Short Message Service) sent by
BCA through cellular operators in Indonesia (within the area coverage
for SMS delivery by cellular operators in Indonesia).
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BCA has the right to refuse registration of Customer's mobile phone
number if Customer's Data cannot be verified in accordance with the
provisions applicable at BCA.
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BCA is not responsible for the correctness of the mobile phone number
registered by Customer.
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The mobile phone number registered by Customer will be used by BCA for
delivery of certain codes from BCA which may be necessary for Customer
to conduct certain transactions via BCA IB as may be notified by BCA in
any form and by any means and or for delivery of any other information
by BCA.
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Customer will be charged an SMS fee by the cellular operator for each
SMS sent by BCA to Customer's mobile phone number. The fee for such SMS
may vary as determined by the relevant cellular operator.
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Customer is fully responsible for any consequences arising in connection
with:
- Customer's registration of his/her mobile phone number;
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Any delivery or non-delivery of SMS by BCA associated with the use of
BCA IB to the mobile phone number registered by Customer;
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Any use or misuse of the code sent by BCA to the mobile phone number
registered by Customer.
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BCA is not responsible for the confidentiality and or misuse of any
information and or data sent by BCA associated with any transaction
conducted by Customer through BCA IB after such information and or data
is transmitted out of BCA system.
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If Customer no longer uses or intends to change Customer's mobile phone
number that has previously been registered with BCA, then Customer must
delete or update such registered mobile phone number. Such deletion or
update of Customer's registered mobile phone number can be done at
ATM/ANT/ATM STAR BCA or through other means as will be notified by BCA
in any form and by any means in accordance with the applicable laws.
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For each registration and change of the mobile phone number, Customer
will obtain an SMS notification, which will be sent to the mobile phone
number that has been registered, as proof that the registration of the
mobile phone number has been successfully done. For such SMS delivery,
Customer will be charged an SMS fee in accordance with the rate and
provisions stipulated by the relevant cellular operator.
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BCA has the right to delete Customer's mobile phone number registered in
BCA’s mobile phone numbers database among others, if the mobile phone
number has been activated by another Customer, the mobile phone number
is not used for a certain period of time as determined by BCA which will
be notified by BCA in any form and by any means in accordance with the
applicable laws, and/or based on data received by BCA the mobile phone
number is not registered in the name of the Customer.
- REGISTRATION OF BENEFICIARY'S ACCOUNT FOR FUNDS TRANSFER
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Customer who wishes to transfer or remit funds to another account at BCA
or other domestic banks must first register on BCA IB the account to
which the funds will be transferred / remitted.
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At the time of registration of the transfer destination account,
Customer must ensure that:
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The mobile phone number which has been registered by Customer as well
as the mobile phone used by Customer are active;
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The mobile phone number is within the area coverage of SMS delivery;
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Customer's existing credits or limit of usage in respect of the mobile
phone number are sufficient to receive an SMS;
- The inbox message on Customer's mobile phone is not full.
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For registration of the transfer destination account, Customer must use
an SMS ID and a certain numerical code which will be sent by BCA to the
mobile phone number which has been registered by Customer according to
the instructions given by BCA.
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The SMS ID and the numerical code sent by BCA to the mobile phone number
which has been registered by Customer can be used only on the same day
as the day on which Customer conducts registration of the transfer
destination account and are only valid for a single transaction.
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BCA will send Customer proof of successful registration of the transfer
destination account to the e-mail address that has been registered by
Customer, among others, the account number and name of the owner of the
destination account that has been successfully registered.
- EVIDENCE
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Each transaction instruction from Customer which is stored at BCA data
center in any form, including but not limited to notes,
tapes/cartridges, printouts from computers/devices, communications sent
electronically between BCA and Customer, constitutes valid evidence,
unless Customer can prove otherwise.
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Customer hereby agrees that all communications and instructions from
Customer received by BCA constitute admissible and valid evidence even
though they are not made in writing nor made as a signed document.
- USER ID, PIN, KEYBCA AND CUSTOMER’S OBLIGATIONS
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Customer must not leave the terminal while still logged in; in other
words, Customer must log out every time they leave the terminal.
- Customer must secure the User ID and PIN by:
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Not disclosing the User ID and PIN to others to get a gift or for any
other reason, including to family members or friends, except to
conduct certain transactions that require Customer to disclose
Customer's User ID, such as for the purchase of goods or services
online.
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Not writing down the User ID and PIN on a desk or terminal or store it
in written form or in applications of a computer/gadget or other
storage facilities that may cause such User ID and PIN to be known by
others.
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Using the User ID and PIN carefully so as not to be seen by others.
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Not using a PIN that is given by others or which is easy to guess such
as a date of birth or any combination thereof, phone number, etc
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Using a personal computer/gadget when accessing BCA IB. Not using a
computer/gadget is accessed by many people.
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The User ID provided by BCA is permanent and cannot be changed unless
the account is closed.
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Customer is free to make his/her own PIN at the time of registration at
BCA ATM / certain BCA EDC.
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Customer can make an inquiry of his/her own User ID through the
registration menu on BCA IB , at BCA ATM/ certain BCA EDC machine, if
Customer forgets his/her User ID.
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Customer shall be fully responsible for all transaction instructions
that have occurred based on the use of Customer's User ID, PIN and
KeyBCA, unless Customer can prove otherwise.
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BCA reserves the right to provide the User ID with any combination of
letters and numbers without having to obtain the prior approval of
Customer.
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Customer must immediately notify BCA if Customer's User ID and or PIN is
known to other people or potentially misused. All transaction
instructions made based on the use of the User ID, PIN and KeyBCA that
have occurred before BCA authorized officer receives such written notice
are the sole responsibility of Customer.
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If Customer has his/her BCA ATM Card replaced by reason of loss/damage,
upon obtaining the new BCA ATM Card, Customer can directly log in using
the old User ID. However, the first time Customer logs in, Customer will
be required to change his/her PIN.
- LIMIT
BCA has the right to set financial transactions limit that is separate
from the limit of BCA ATM Card used to register for BCA IB, the amount of
which will be notified by BCA to Customer in any form and by any means in
accordance with the laws in force. BCA, at its sole discretion, reserves
the right to change the limit on each transaction as will be notified by
BCA in any form and by any means in accordance with the laws in force.
- ELECTRONIC MAIL ("E-MAIL")
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The E-Mail address registered by Customer when first logging in to BCA
IB will be used by BCA to send information on the transactions that
haves been conducted by Customer through BCA IB
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BCA will only send information to the E-Mail address that has been
confirmed by Customer to BCA and BCA is not responsible for the
correctness of the E-Mail address and for the delivery of data and
information addressed to such E-Mail address.
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BCA does not guarantee the security of information or data sent to BCA
via an E-Mail that is not contained on BCA IB menu, which is not in a
secure format that is approved or determined by BCA.
- FEE AND AUTHORIZATION TO DEBIT CUSTOMER'S ACCOUNT
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BCA has the right to debit a monthly administration fee (if any) and the
transaction fee charged for the use of BCA IB facility and for any
transaction conducted through BCA IB.
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BCA has the rightto change, increase or impose any fee payable by
Customer for the use of BCA IB facility.
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Customer hereby authorizes BCA to debit Customer's account with BCA for
all transactions instructed by Customer to BCA through BCA IB and for
the payment of a monthly administration fee (if any) as well as any
transaction fees for the use of BCA IB facility.
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The authorization mentioned above shall not terminate for any reason,
including for the reasons referred to in Articles 1813, 1814, and 1816
of the Civil Code until all Customer's obligations to BCA under these
Terms of BCA IB have been fulfilled.
- BLOCKAGE OF USER ID
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Customer's User ID will be blocked if any of the following occurs:
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Customer enters the wrong PIN three (3) times in a row at the time of
login.
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Customer enters the wrong figures from KeyBCA 3 (three) times in a row
when conducting a transaction.
- Customer reports the loss of his/her BCA ATM Card.
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Customer reports that his/her User ID and or PIN is known or misused
by others.
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The result of an investigation by BCA indicates that there is
possibility that Customer's User ID and PIN has been known or misused
by others.
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In the event of the blockage of the User ID, Customer must contact Halo
BCA and re-register for the BCA IB.
- FORCE MAJEURE
Customer hereby holds BCA harmless from any claims and lawsuits of any
nature in the event that BCA fails to execute the instruction from
Customer either in whole or in part due to events or causes beyond the
control or the ability of BCA, including but not limited to natural
disaster, war, riot, equipment breakdown, system or transmission failure,
power outage, telecommunications interruption, government policy, and
other occurrences or causes beyond the control or the ability of BCA to
cope with.
- TERMINATION OF FACILITY
BCA IB facility will automatically terminate if Customer terminates the
use of the BCA ATM Card that is used by Customer to register for BCA IB
facility or if Customer closes all accounts connected with his/her BCA ATM
Card.
- TERMS FOR KEYBCA
Customer hereby agrees to be bound by and comply with the terms for KeyBCA
as stipulated by BCA.
- MISCELLANEOUS PROVISIONS
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In the event of any dispute arising from or in relation to the
interpretation and implementation of these Terms of BCA IB, BCA and
Customer agree to settle the dispute amicably to reach a consensus. Any
dispute or difference of opinion that cannot be amicably resolved
between BCA and the remitter shall be resolved by means of banking
facilitation at Bank Indonesia or the Financial Services Authority or by
means of mediation through an Alternative Dispute Resolution Institution
included in the List of Alternative Dispute Resolution Institutions
determined by the Financial Services Authority. Any dispute or
difference of opinion that cannot be resolved either in an amicable
manner and/or by means of mediation as described above shall be resolved
through the District Court of Central Jakarta, without prejudice to
BCA's right to file a suit or claim through any other District Court
within the territory of the Republic of Indonesia.
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BCA has the right to at any time modify, supplement or replace these
Terms of BCA IB, which will be notified by BCA to Customer in any form
and by any means in accordance with the laws in force.
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By using BCA IB facility, Customer hereby agrees to comply with and be
bound by these Terms of BCA IB and the terms for KeyBCA.
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Customer can view or download KlikBCA Individual user guidance on BCA
website, at www.bca.co.id.
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These Terms of Internet Banking (“IB”) PT Bank Central Asia Tbk (“BCA”)
are available in two (2) versions of languages, namely Indonesian and
English. In the event that there is a discrepancy in interpretation
between the Indonesian and English versions, then the Indonesian
language version shall prevail.