BCA Smartcash

• The BCA Smartcash Card is sent to the Cardholder in an inactive condition. To be able to use the BCA Smartcash Card, the Cardholder must first activate the card
• After the card is activated, BCA will provide an Authentication Code for PIN activation via SMS to the cellular number registered with BCA
• PIN activation can be done via BCA mobile or BCA ATM or BCA Website using the Authentication Code sent to the registered cellular number
• The Cardholder must not reveal the PIN to anyone, record, or write the PIN in any documents or media that are easily known or seen by others
• All records, printouts, recordings, communication media, or other evidence of any nature held by BCA in connection with any electronic banking transactions conducted by the Cardholder constitute valid and conclusive evidence binding on the Cardholder, except as proven otherwise
• Keep the BCA Smartcash Card number and Halo BCA phone number handy for the convenience of reporting in case the card is lost or stolen
• If the BCA Smartcash Card is lost or stolen, immediately report the loss/theft to Halo BCA 1500888. BCA is not responsible for all the transactions that occur before it receives the loss/theft report

If the Account Holder finds a transaction not made by the Account Holder in the BCA Smartcash Account Billing Statement, the Account Holder must immediately raise a question or objection via Halo BCA and subsequently submit a written statement of objection in respect of the transaction no later than 30 calendar days from the date of the BCA Smartcash Account Billing Statement, by providing the following information:

• Account Holder's name and customer number
• Transaction date
• Details of the transaction and the amount disputed
• Reasons for raising the objection
• Account Holder's signature

Keep the BCA Smartcash Card number and Halo BCA phone number handy for the convenience of reporting in case the BCA Smartcash Card is lost or stolen.

If the BCA Smartcash Card is lost or stolen, immediately report the loss/theft to Halo BCA 1500888. BCA is not responsible for all the transactions that occur before it receives the loss/theft report

• Individual customer, Indonesian Citizen (WNI), living in Indonesia, aged 21 years minimum and 65 years maximum
• Monthly business turnover of at least IDR30,000,000 and at least two years’ existence in the business
• Original documents from the distributor

• A copy of the Electronic Resident ID Card (e-KTP)
• A copy of the Savings/Current Account Statement for the last 3 (three) months
• A copy of the Professional/Practicing License *)
• A copy of Deed of Incorporation if requested for business owner that own business with legal entity
• A copy of the Tax ID Number (NPWP) Card **)
• A copy of the Credit Card Account Statement for the last 3 months (if any)

*) Only for professionals
**) Required for debtor with business entity/personal that using the facility to fund their business
***) A copy of the Tax ID Number (NPWP) must be attached. For submissions with a credit limit of ≤ IDR50,000,000, where the debtor does not yet/have a Tax ID Number (NPWP), the debtor is required to complete a statement letter declaring their non-possession of a Tax ID Number (NPWP).