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Digital

Your business financial solutions and analysis in one click

Transaction Banking
Transaction Banking

Effective and intuitive business transactions and cash management

Business Ecosystem
Business Ecosystem

Non-banking solutions & collaboration with BCA business clients

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Ocean by BCA

Ocean by BCA is a website for BCA business customers and prospective customers that provides a range of services to meet business needs. Customers can log in to Ocean by BCA and use its services using BCA ID Bisnis (Corporate ID and User ID) obtained through the Ocean by BCA registration process.

  • Digital Experience
    Information, recommendation, and submission center for business products/services and provides easy customer transaction information with one-time access for customers who already have a BCA ID Bisnis, including:
    • Business Dashboard
      Facilitate the process of monitoring and managing financial information and banking transactions by displaying information visualizations in the form of graphs. The information contained in the business Dashboard includes:
      • Summary
        Financial information and banking transactions in the form of widgets that can be adjusted based on the access rights held and customer preferences.
      • Reports
        View and download transaction reports based on predefined access rights. The report can be downloaded in formats such as XLSX, CSV, TXT, and MT940. The following are the financial transaction reports that can be accessed through Ocean by BCA:
        1. Account Mutation
          Information and statements of debit, credit, or both of the accounts that have been registered.
        2. BCA Virtual Account
          Information and transaction reports on payments to the customer's virtual account number.
        3. Tax Supporting Documents
          Proof of income tax withholding (PPh) made by the withholding in standard or equal form. Reports can be obtained in monthly or yearly periods.
        4. Savings and Current Account E-Statement
          Summary of account statements in a digital format that facilitates transaction monitoring and financial reconciliation.
        5. Supply Chain Finance
          Invoice reports, loans, credit notes, and information related to Supply Chain Finance.
        6. Credit Cards
          Information, transactions, and downloading credit card bills.
      • Download Request History
        View a list of all reports that have been requested and re-download the report file within a specific period of time in the Business Dashboard service.
    • Recommended Products
      Product information, such as product descriptions, benefits, and uniqueness, based on business needs and customer business profiles.
    • Digital Onboarding
      Providing convenience for customers to submit products/business facilities anywhere and at any time.
    • Leave Contact
      A means of submitting business products/services and delivering certain messages/needs so that BCA can contact customers according to the information submitted.
    • Direct Access
      Makes it easier for customers who are logged in to directly access the facilities/services available using BCA ID Bisnis without the need to log in again.
    • Help Center
      Get information and solutions to questions or problems related to BCA's business products and facilities.
    • Notification Features
      Notifications related to promotions, announcements, transaction status updates, and market insights.
    • Pending Task Dashboard Features
      A view of the number of transactions that are still pending the approval process. After the customer selects a pending-approval transaction for review, the customer can be directed to the transaction authorization page on Ocean by BCA and to all services on Ocean by BCA.
  • Business Solution
    A collection of various business solutions from BCA that can be accessed directly, easily, and quickly, including:
    • myBCA Business
      More information about myBCA Bisnis services is available here.
    • myBCA Business Lite
      More information about myBCA Bisnis services Lite is available
    • Quick Access
      Displaying a collection of links to BCA's digital products, websites, and business applications to make it easier for customers to access them in one click.
  • Ecosystem
    The ease of finding digital solutions according to business needs outside of banking, provided by trusted partners who have collaborated with BCA, includes:
    • myEcosystem
      Services that provide a collection of website links and value-added solutions information for business needs outside banking from Partners who have collaborated with BCA. The categories of cooperation available on the myEcosystem service are:
      • Insurance
      • Financing
      • Invoicing
      • Sustainability
      • Management HR
      • Management Supply Chain
      • Taxes
  • Customers can make banking transactions and access services from BCA and BCA Partners online and in real time, 24/7.
  • Transactions are safe and convenient because they can only be accessed through the secure network and by using KeyBCA in transactions.
  • Assist in obtaining business solution recommendations from BCA and Company Partners by business field.
  • Facilitate access to other BCA business e-channels/websites.
  • Facilitate the submission of BCA products and business facilities through the Leave Contact or Digital Onboarding service.
  • Obtain various financial transaction reports provided by BCA.
  • Obtain information on solutions related to BCA's business product/facility problems.

  • Misuse of the customer's card, PIN/Password/OTP, BCA Business ID, and the loss of KeyBCA due to the customer’s negligence.
  • The possibility of network disruption may prevent banking transactions through Ocean by BCA from being carried out.
  • Customers who can register for Ocean by BCA include Corporate/Organizational Customers, Business Individuals, Bank Remittance Companies/Non-Bank Fund Transfer Providers with accounts with BCA. Register for Ocean by BCA by:
    • Visiting the nearest Branch Office, Corporate Branch Office, or contacting the Relationship Manager (RM).
    • Filling out the Ocean by BCA form and conditions.
    • Providing supporting documents, including:
      • Articles of Association or Bylaws (corporate customers)
      • Ocean by BCA Owner Identity Document and User Identity Document to be registered
  • After the Ocean by BCA application is processed, customers will get:
    • Corporate ID
    • User ID
    • KeyBCA (Hard Token) and KeyBCA PIN are sent separately for security and confidentiality when transacting on myBCA Bisnis service (if you choose to use Hard Token)
    • Email for Soft Token activation (if you choose to use Soft Token)
  • For accounts that include joint accounts with the status of "Or" and credit cards registered with Ocean by BCA under a name different from the Ocean by BCA owner's name, they must be accompanied by a power of attorney from the account owner or credit card holder.
  • Every customer who has a business and has funds in BCA and has met the requirements set by BCA can use Ocean by BCA.

  • Setiap Nasabah pemilik Ocean yang bermaksud untuk melakukan pendaftaran, perubahan atau penghapusan data dari Corporate ID, User ID dan KeyBCA harus mengisi Formulir myBCA Bisnis.
  • Nasabah pemilik Ocean dilarang memanfaatkan fasilitas/layanan Ocean untuk melakukan tindakan yang melanggar atau bertentangan dengan norma kesusilaan, agama, moral, ketertiban umum, hukum, atau peraturan perundang-undangan yang berlaku.
  • Tanpa persetujuan tertulis terlebih dahulu dari BCA, Nasabah pemilik Ocean dilarang memanfaatkan fasilitas/layanan myBCA Bisnis untuk keperluan penawaran jasa komersial kepada pihak lain antara lain jasa sebagai penyelenggara transfer dana.
  • Nasabah pemilik Ocean dan pemegang User ID lain yang ditunjuk Nasabah pemilik Ocean wajib mengamankan User ID, KeyBCA dan KeyBCA dengan cara:
    • Tidak memberitahukan User ID, PIN KeyBCA dan KeyBCA Response kepada orang lain.
    • Tidak menuliskan User ID, PIN KeyBCA dan KeyBCA Response pada meja, terminal atau menyimpannya dalam bentuk tertulis atau pada aplikasi komputer atau sarana penyimpanan lainnya yang memungkinkan untuk diketahui oleh orang lain.
    • Menggunakan User ID, PIN KeyBCA dan KeyBCA Response dengan hati-hati agar tidak terlihat oleh orang lain.
    • Tidak menggunakan PIN KeyBCA yang diberikan oleh orang lain atau yang mudah diterka seperti tanggal lahir atau kombinasinya dan nomor telepon.
  • Corporate ID, User ID, KeyBCA, dan KeyBCA dapat terblokir jika:
    • Nasabah pemilik Ocean menutup fasilitas myBCA Bisnis sehingga Corporate ID akan diblokir.
    • Terjadi kesalahan dalam memasukkan KeyBCA Response sebanyak 3 (tiga) kali berturut-turut saat melakukan transaksi dengan menggunakan KeyBCA sehingga User ID akan diblokir.
    • Terjadi kesalahan dalam memasukkan PIN KeyBCA sebanyak 3 (tiga) kali berturut-turut dan KeyBCA dilaporkan rusak atau hilang sehingga KeyBCA akan diblokir.
  • Apabila Corporate ID, User ID, KeyBCA terblokir, maka Nasabah pemilik Ocean harus menghubungi BCA.
  • BCA akan menginformasikan segala perubahan atas manfaat, biaya, risiko, syarat dan ketentuan Produk dan/atau Layanan ini melalui sarana apa pun sesuai dengan ketentuan hukum yang berlaku.
  • Nasabah dapat menerima penawaran produk lain dari pihak lain yang bekerja sama dengan BCA, jika Nasabah memberikan persetujuan kepada BCA untuk memberikan data Nasabah kepada pihak lain yang bekerja sama dengan BCA.
  • Nasabah dapat menerima penawaran produk dan/atau layanan BCA dan produk dan/atau layanan pihak lain yang bekerja sama dengan BCA via sarana komunikasi pribadi, jika nasabah memberikan persetujuan kepada BCA untuk menerima penawaran produk dan/atau layanan tersebut via sarana komunikasi pribadi.