- Deed of Establishment danArticles of Association
- Resolution of Board of Director atau Power of Attorney
- Current composition of the company’s boards
- Identity Card and Tax ID Number (NPWP) of all members of the company’s boards
- Tax ID Number for Non-Individual Entity
- Regional Regulation/Regulation of the Head of a Government Agency/Decision of the Head of a Government Agency on the formation/establishment of State-Owned Public Service Company/Regional Government-Owned Public Service Company
- Composition of the management boards/ letter of appointment/ letter of assignment from the Head of a Government Agency to the official appointed to open a bank account
- Business Identification Number (NIB)
- Other permits and licenses*
- Identity Card and Tax ID Number (NPWP) of all members of the management boards
- Tax ID Number for Non-Individual Entity
- Deed of Establishment
- Articles of Association/Bylaws
- Proof of validation from the Ministry of Law and Human Rights (if a legal person)
- Current composition of the management boards
- Operational license from the competent authority (only for those conducting business and earning profit or raising funds from the public)
- Registration Certificate from the competent authority (only for a social association established in DKI Jakarta)
- Identity Card and Tax ID Number (NPWP) of all members of the management boards
- Tax ID Number for Non-Individual Entity
- Deed of Establishment
- Articles of Association/Bylaws
- Proof of validation from the Ministry of Law and Human Rights
- Current composition of the management boards
- Identity Card and Tax ID Number (NPWP) of all members of the management boards
- Tax ID Number for Non-Individual Entity
- Deed of Establishment
- Articles of Association/Bylaws
- Proof of registration of the Religious Institution from the Directorate General for Community Guidance under the Ministry of Religious Affairs
- Current composition of the management boards and the letter of appointment/ratification of the incumbent members of the management boards
- Identity Card and Tax ID Number (NPWP) of all members of the Management
- Tax ID Number of the Ministry/State Agency
- Articles of Association/Bylaws
- Deed of Amendment (if any)
- Approval Letter containing the register number and approval for account opening signed by the Director General of Treasury/State Treasury Service Office (KPPN)
- Decision letter regarding the establishment of the Ministry/Ministerial Agency or Work Unit
- Decision letter regarding the appointment of the head of the Ministry/Ministerial Agency or Work Unit
- Power of Attorney signed by the official authorized to represent the owner of the Ministry’s Account to the Director General of Treasury/ KPPN
- Identity Card and Tax ID Number (NPWP) of all members of the Management
- Tax ID Number for Non-Individual Entity
- Regulation of the Head of the Government Agency or Decision Letter of the Head of the Government Agency regarding the formation/establishment of the relevant agency
- Composition of the management/ letter of appointment/ letter of appointment from the Head of the Government Agency to the official designated to open an account
*Notes:
- A non-individual customer holding a Business Identification Number (NIB) issued before 2 February 2021 needs to provide an operational permit from the competent authority.
- A non-individual customer holding a Business Identification Number (NIB) issued on or after 2 February 2021 with a medium to high risk level needs to provide other licensing documents, i.e., the Risk-Based Business Licensing Documents under Government Regulation No. 5 of 2021.
The Customer can ask questions and lodge complaints via the following:
Contact Us:
Halo BCA 1500888
Social Media
Facebook : GoodLife BCA
Youtube : Solusi BCA
X (Twitter) : @BankBCA
Features, Benefits, and Risks of Current Account
Main Features of Current Account:
- Available in 11 currencies, i.e., Rupiah (IDR), United States Dollar (USD), Singapore Dollar (SGD), Hong Kong Dollar (HKD), Australian Dollar (AUD), Japanese Yen (JPY), Great Britain Pound sterling (GBP), Euro (EUR), Chinese Yuan (CNH), Malaysian Ringgit (MYR), and Thailand Baht (THB).
- There is no minimum balance requirement.
- Current Account Interest means the interest paid to the Current Account customer according to the provisions applicable at BCA.
- The deposit interest rate that is eligible for the deposit insurance scheme follows the applicable interest rate set by the Indonesia Deposit Insurance Corporation (Lembaga Penjamin Simpanan or LPS), which can be viewed on the website of the LPS.
- The Customer will receive information on the customer’s account transaction history in the form of hard copy (Account Statement) or soft copy (e-statement) by downloading it directly from the channels owned by the Customer.
- The Rupiah Current Account provides the following transaction facilities:
- Rupiah Current Account: Cheque, Bilyet Giro (BG), Letter of Instruction (LI), ATM card (Paspor BCA, only for individual customers).
- Foreign Currency Giro Account: Letter of Authorization (LA).
Benefits:
- Withdrawals in Rupiah or non-cash withdrawals in a foreign currency from all Foreign Currency accounts can be made at all branch offices.
- The customer can make withdrawals from a Rupiah Current Account by using a Cheque, and the Cheque can be transferred to another, settled through clearing or collection, or deposited to a BCA account. A Cheque can be cashed at any BCA Branch Office.
- The customer can also use a Bilyet Giro (BG) as a means of payment to the customer's business partners. The characteristics of a BG include the following:
- Cannot be transferred or cashed.
- Must be completely filled out on its issuance.
- Signed directly by the drawer with a wet signature.
- Corrections can be made up to 3 (three) times.
- BG validity period is 70 (seventy) days from the issue date.
- The maximum amount allowed for clearing (Cheque/BG) is IDR500 million.
- The presentation the Cheque/BG is done by the recipient or a party authorized by the recipient.
Risks:
- The customer’s deposits will not be covered by the deposit insurance scheme managed by the Indonesia Deposit Insurance Corporation (LPS) if:
- The total balance of the customer’s deposits (including interest) in one bank exceeds (an equivalent of) IDR2 billion for both single accounts and joint accounts.
- The interest rate obtained by the customer exceeds the deposit insurance interest rate set by the LPS.
Simulation 1) :
Current Account Balance
Current Account Interest 4)
Monthly Current Account
Interest Amount 5)IDR1,500,000 2)
IDR2,500,000 2)
USD10,000 3)
Last Update: 01 October 2022
Notes:
1) This simulation is intended to provide the customer with an estimate calculation only and is not meant to give any recommendation.
2) Position of the monthly average balance of the Rupiah Current Account.
3) Position of the monthly average balance or the minimum daily balance of the Foreign Currency Current Account.
4) Current Account Interest rates may change at any time in response to market conditions and the change will be notified to the Customer via BCA’s information media.
5) The customer will obtain the Monthly Current Account Interest if the customer meets the monthly average balance or the minimum daily balance of the Current Account according to the provisions applicable at BCA.
6) The amount of the Current Account Interest obtained by the customer is the gross interest amount before tax withholding according to the applicable laws and regulations (assumption: 1 month = 30 days and 1 year = 365 days).- The Current Account Interest will be credited to the relevant account at the end of each month.
- A decrease in the Current Account Interest rate will result in a reduction in the Current Account Interest amount received by the customer.
- The Customer will receive Current Account Interest if the customer maintains a certain average balance, according to the provisions applicable at BCA.
- The Current Account can be opened in the form of a joint account with the status of either “ATAU/OR” or “DAN/AND”.
- An instruction given to the bank or a cash withdrawal made from a joint account with the status of “ATAU/OR” can be made by only one of the joint account holders. However, for a joint account with the status of "DAN/AND", such instruction or cash withdrawal must be made collectively by all of the joint account holders.
- A purchase of foreign currency over the equivalent of USD100,000 with a source of funds in Rupiah must be accompanied by underlying documents.
- The Customer may apply for the savings account closure at the branch office and the Customer will incur an account closure fee
- BCA has the right to change the benefits, fees and charges, risks, including the terms and conditions for this product and/or service, and such change will be notified by BCA in any form and through any means in accordance with the applicable law. The notice will be provided at least 30 calendar days before the changes take effect.
- The Customer may receive offerings for other products from other parties outside of BCA that have entered into a cooperation agreement with BCA, if the Customer gives consent to BCA to provide the customer’s data to such other parties that have entered into a cooperation agreement with BCA.
- The Customer may receive offerings for BCA’s products and/or services or the products and/or services belonging to other parties that have entered into a cooperation agreement with BCA via personal communication channels, if the Customer gives consent to BCA to deliver such product and/or service offerings via personal communication channels.
- All other information regarding the fees and charges, benefits, and risks can be accessed on BCA’s official website at www.bca.co.id.
Disclaimer (important to read)
- BCA has the right to reject the customer’s application for the product and/or service if the customer fails to meet the applicable terms and conditions.
- The Customer has read, understood, and signed the Current Account product as described in this Product and Service Information Summary.
- This summary is simply a means of providing product and/or service information for prospective/existing customers and is not intended as an official offer for a product and/or service.
- The Customer must read, understand, and sign the Current Account opening application form.
- The information contained in this Product and Service Information Summary shall be effective as of the printing date of this Product and Service Information Summary until the issuance of its latest update.
- The Customer must carefully read this Product and Service Information Summary before deciding to open a Current Account and may contact the Bank’s employee or call Halo BCA at 1500888 to inquire about all matters or file complaints related to this Product and Service Information Summary.
Fees, Limits, and Interest rate
- The minimum placement and minimum monthly balance to be maintained for each currency are as follows:
Currency Minimum Initial Placement Minimum Balance Indonesian Rupiah (IDR) IDR1,000,000 IDR1,000,000 United States Dollar (USD) USD1,000 USD500 Singapore Dollar (SGD) Equivalent of USD1,000 SGD800 Hong Kong Dollar (HKD) Equivalent of USD1,000 HKD3,900 Australian Dollar (AUD) Equivalent of USD1,000 AUD700 Great Britain Pound sterling (GBP) Equivalent of USD1,000 GBP300 Japanese Yen (JPY) Equivalent of USD1,000 JPY52,500 Euro (EUR) EUR1,000 EUR400 Chinese Yuan (CNH) CNH7,000 CNH3,500 Malaysian Ringgit (MYR) MYR4,500 MYR2,000 Thailand Baht (THB) THB35,000 THB15,000 - Income tax withholding: 20% of the Current Account Interest.
- The monthly administration fees and penalties are as follows:
- Fee for the Current Account closure:
- Fee for Card issuance/replacement
- Fees for Interbank transactions on the ATM network:
- Below are the daily limits for individual Rupiah Current Account transactions:
- DEFINITION
- Account Holder means an individual, juristic person, any entity other than a juristic person, or a combination thereof that has completed and signed the application form for Current account opening and such application has been approved by BCA.
- Account Statement means a copy of transaction history made by BCA in respect of the Account Holder’s Current account.
- Business Day means a day on which BCA and other banks are open to carry on general business activities.
- Calendar Day means any day of the calendar month.
- By opening a Current account with BCA, Account Holder agrees to comply with and adhere to these Terms and Conditions for BCA Current Account Holders. BCA has the right to amend these Terms and Conditions for BCA Current Account Holders upon notice by BCA in any form and by any means in accordance with the prevailing law.
- In dealing with Account Holder, BCA shall act according to the prevailing law and any provisions applicable at BCA.
- Account Holder must provide BCA with one or more specimen signatures of Account Holder, or one or more specimen signatures of the persons authorized to represent Account Holder to conduct transactions with respect to the Current account, as well as a detailed description of their respective rights and powers. Such specimen signatures shall remain valid unless a written notice of any change thereof is provided by Account Holder and received by BCA.
- Account holder must notify BCA in writing of all data and data changes of Account Holder, including but not limited to its name, address, telephone number, Tax ID Number (NPWP).
- For the implementation of fund transfer transactions (including registration of destination accounts for the purpose of fund transfer transactions) through facilities provided by BCA, other banks, or non-bank institutions, the Account Holder hereby authorizes BCA to:
- display the name and/or account number of the Account Holder on the BCA facilities used to conduct fund transfer transactions;
- provide data on the name and/or account number of the Account Holder to other banks, non-bank institutions, and other parties cooperating with other banks or non-bank institutions to be displayed on the facilities used for fund transfer transactions.
- display the name and/or account number of the Account Holder on the account statement and transaction report issued by BCA;
- provide data on the name and/or account number of the Account Holder to other parties who process deposit transactions, transfers, remittances, or other financial transactions, recipients of virtual account facilities or other means that can receive funds or can be used as facility for fund transfer/payment, as well as to other parties who receive funds from transactions made by the Account Holder.
- Account Holder fails to comply with the prevailing law;
- Account Holder fails to provide information and supporting documents in accordance with the prevailing law;
- Account Holder is found and/or is reasonably suspected of using false documents and/or providing misleading data to BCA;
- Account Holder provides allegedly inaccurate information; and/or
- Account Holder’s source of funds for transactions is found and/or reasonably suspected of emanating from a criminal offence.
If Account Holder wishes to continue having the Account Statement sent to Account Holder’s address, then Account Holder must come to the BCA branch office designated by BCA to resubmit a request for delivery of the Account Statement.
If an Account Statement is not collected by Account Holder within 3 (three) months from the date of its issuance, such Account Statement will be destroyed. If the Account Statement is not collected for 3 (three) consecutive months, then the Account Statement will only be printed and made available for Account Holder after Account Holder resubmits a request for the Account Statement to the BCA branch office designated by BCA.
- the authenticity, validity, correctness and completeness of all documents submitted to BCA in connection with Account Holder’s Current account; and
- the validity of the signature(s) in each and every document and the authority of the person(s) who signed such document.
Account Holder will be charged a certain fee for the issuance of such Cheque/Bilyet Giro book. The amount of such fee and any change thereto will be notified by BCA to Account Holder in any form and by any means in accordance with the prevailing law.
The amount of such fees and any related changes thereto shall be notified to Account Holder in any form and by any means in accordance with the prevailing law. Such fees shall be directly debited by BCA from Account Holder’s Current account.
- Any cheque presented to BCA for payment before the payment date stated on the cheque ("postdated cheque") will still be paid by BCA on condition that Account Holder has sufficient funds available in Account Holder’s account.
- Bilyet Giro means a written order from Account Holder to transfer funds from Rupiah Current account to the account of the beneficiary whose name is stated on that Bilyet Giro and the Bilyet Giro is not cashable nor transferable.
- Request for a Cheque /Bilyet Giro Book must be made in writing by Account Holder; and the return of the first sheet (receipt) of the Cheque/Bilyet Giro book must be done once the Cheque/Bilyet Giro book is received by Account Holder or by any other person authorized by Account Holder.
- The deadline for collecting the requested Cheque/Bilyet Giro book is no later than 30 (thirty) calendar days of the date on which Account Holder makes the request for such Cheque/Bilyet Giro
- If Account Holder fails to collect the requested Cheque/Bilyet Giro book after the lapse of such 30 (thirty) calendar days of the date on which Account Holder makes the request therefor, BCA has the right to unilaterally destroy such Cheque/Bilyet Giro Account Holder will still be charged in accordance with the applicable terms and conditions for each Cheque/Bilyet Giro book that is not collected and destroyed by BCA.
- Any Bilyet Giro presented to BCA for book-entry or transfer before its due date will be dishonored by BCA regardless of whether or not there are sufficient funds available in the Current account
- Account Holder must ensure sufficient funds in the Current account for payment of the outstanding Cheque/Bilyet Giro. Any Bilyet Giro which has fallen due or any Cheque presented to BCA will be dishonored by BCA and treated as a dud Cheque/Bilyet Giro if there are insufficient funds in Account Holder’s Current account for payment of the Cheque/Bilyet Giro.
- Account Holder shall not draw a dud Cheque/Bilyet Giro for any reason. Account Holder hereby agrees and acknowledges that its Current account will be closed and Account Holder’s name will be put on the Bank Indonesia Blacklist if Account Holder draws such dud Cheque/Bilyet Giro.
- Account Holder holds BCA harmless against all legal proceedings and any legal consequences arising from the rejection of a dud Cheque/Bilyet Giro to the extent such rejection is in accordance with the applicable laws and regulations.
- Cancellation of a Cheque by Account Holder must be made in writing and can only be processed by BCA after the expiry of the offer timeframe provided that the instruction on such Cheque has not been processed at the time BCA receives the written notice. Bilyet Giro shall not be canceled by Account Holder since the Bilyet Giro is issued by Account Holder.
- In the event of any written report on the loss of any Cheque/Bilyet Giro accompanied by a Police certificate, then BCA has the right to dishonor the Cheque/Bilyet Giro.
- Account Holder agrees to comply with all the provisions governing Cheque/Bilyet Giro, including, among others, those concerning the signing of Cheques/Bilyet Giro, payment of stamp duty, and other provisions for drawing a Cheque/Bilyet Giro.
Account Holder is solely responsible for any misuse of the LA provided.
Any withdrawal in the form of banknotes from the Foreign Currency Current account can only be made at the BCA branch office where the Foreign Currency Current account was opened; however, solely for withdrawal of banknotes denominated in United States Dollar from a United States Dollar Current account, such withdrawal can be made either at the BCA branch office where the Foreign Currency Current account was opened or at any other BCA branch office designated by BCA or in accordance with any amended terms as may be notified by BCA in any form and by any means in accordance with the prevailing law. Withdrawal in Rupiah from the Foreign Currency Current account or inhouse transfer from the Foreign Currency Current account may be done in all BCA branch offices.
- BCA has the right to charge all fees incurred for such interbank or intrabank transfer transaction made from or over the Foreign Currency Current account.
- The interbank or intrabank transfer from the Foreign Currency Current account will use the exchange rate prevailing at BCA.
- Administration fee in the currency in which the Foreign Currency Current account is denominated; and
- Penalty fee if the average balance of the Foreign Currency Current account in the relevant month is less than the required minimum balance.
The amount of the fees specified above or any changes thereto will be notified by BCA to Account Holder of the Foreign Currency Current account in any form and by any means in accordance with the prevailing law. Such fees will be directly debited by BCA from Account Holder’s Current account.
- Account Holder may lodge any complaint with respect to the Current account with BCA through BCA branch office or HALO BCA. To deal with such complaint, BCA has the right to request Account Holder to provide BCA with a copy of Account Holder’s identity card and other supporting documents.
- BCA will respond to such complaint in accordance with the applicable law.
- Any complaint about the Current account must be lodged by Account Holder with BCA within no later than 3 (three) months of the transaction date.
These Terms and Conditions for Current Account Holders of PT Bank Central Asia Tbk. (“BCA”) are made and signed in 2 (two) versions of languages, namely Indonesian and English. In the event that there is a discrepancy in interpretation between the versions of Indonesian and English, then the version of Indonesian language shall prevail.
These Terms and Conditions for Current Account Holders of PT Bank Central Asia Tbk. (“BCA”) have been adjusted to the prevailing laws and regulations including Regulations of the Financial Services Authority (OJK).
Currency
Administration Fee
Penalty Fee*
Indonesian Rupiah (IDR)
‐ With Paspor Blue Card
‐ With Paspor Gold Card
‐ With Paspor Platinum Card
United States Dollar (USD)
Singapore Dollar (SGD)
Hong Kong Dollar (HKD)
Australian Dollar (AUD)
Great Britain Pound sterling (GBP)
Japanese Yen (JPY)
Euro (EUR)
Chinese Yuan (CNH)
Malaysian Ringgit (MYR)
Thailand Baht (THB)
Last Update: 9 May 2022
*) The penalty will be imposed if the customer’s monthly average balance does not reach the minimum monthly average balance.
Currency
Closer Fee
Indonesian Rupiah (IDR)
United States Dollar (USD)
Singapore Dollar (SGD)
Hong Kong Dollar (HKD)
Australian Dollar (AUD)
Great Britain Pound sterling (GBP)
Japanese Yen (JPY)
Euro (EUR)
Chinese Yuan (CNH)
Malaysian Ringgit (MYR)
Thailand Baht (THB)
Types of Cards
Card Issuance/Replacement Fee
Paspor Blue
Paspor Gold
Paspor Platinum
Types of Transactions
ATM BCA
Prima & GPN
Mastercard
Balance inquiry
Cash withdrawal
Transfer to another bank
Declined transaction
Transfer Via
Online
BI-FAST
LLG
RTGS
BCA Branch Office*
m-BCA**
Internet Banking and myBCA
Note: For funds remittance cancellation, the Customer will be charged a fee of IDR10,000.
Remarks:
*) Funds remittance to another bank via a BCA Branch can only be made using BI-FAST, LLG, and RTGS.
**) Funds remittance to another bank via m-BCA can only be made either online or using BI-FAST.United States Dollar (USD)
Singapore Dollar (SGD)
Hong Kong Dollar (HKD)
Australian Dollar (AUD)
Great Britain Pound sterling (GBP)
Japanese Yen (JPY)
Euro (EUR)
Chinese Yuan (CNH)
Malaysian Ringgit (MYR)
Thailand Baht (THB)
Reason
Fee
Insufficient Balance
Other reasons
Types of Transaction
Paspor Blue
Paspor Gold
Paspor Platinum
Via ATM BCA
Cash Withdrawal 1)
Cash Deposit 2)
Transfer between BCA accounts 3)
Transfer between BCA accounts (to foreign currency account) 4) 8)
Interbank transfer 5)
Via EDC
Debit BCA 6)
Via m-BCA
Transfer between BCA accounts 3)
Transfer between BCA Accounts (to a foreign currency account) 4) 8)
Transfer to Another Bank 5)
Notes: The above daily limits for Individual Rupiah Current Account transactions based on card types are only relevant to those having an ATM Card /Debit BCA facility.
Type of Transaction Via myBCA Via Internet Banking Transfer to Own BCA Account 9) No Limit IDR500,000,000 12) Transfer between BCA Accounts 10) IDR300,000,000 11) Transfer between BCA Accounts (to a foreign currency account) Transfer to Another Bank (LLG and RTGS) Transfer to Another Bank (BI-FAST) Transfer to Another Bank (Online) Cash Withdrawal Without a Card (Cardless) 13) IDR15,000,000 Not Available Cash Deposit Without a Card (Cardless) 14) IDR100,000,000 Last Update: 19 January 2024
1) The limit for cash withdrawals using the Paspor BCA is a combined limit with the cardless cash withdrawal limit via m-BCA.
2) The limit for cash deposits using the Paspor BCA is a combined limit with the cardless cash deposit limit via m-BCA.
3) The limit for transfer between BCA Accounts via the BCA ATM is a combined limit with the limit for transfer between BCA Accounts via m-BCA.
4) The limit for transfer between BCA Accounts (to a foreign currency account) via the BCA ATM is a combined limit with the limit for transfer between BCA Accounts (to a foreign currency account) via m-BCA.
5) The limit for transfer to another bank via the BCA ATM is a combined limit with the limit for transfer to another bank (Online & BI-FAST) via m-BCA.
6) The limit for payment with Debit BCA is a combined limit with the limit for cash withdrawal at a merchant and Flazz top-up via an EDC machine (separate from the limit for cash withdrawal via ATMs).
7) Contactless Debit transactions without a PIN are still calculated in the BCA Debit transaction limit according to the type of BCA Debit/ATM Card. Contactless Debit limit with PIN follows the BCA Debit transaction limit.
8) This limit is separate from the limit for transfer in Rupiah.
9) Applicable to transfers to all Own BCA Accounts (Rupiah/foreign currency accounts). Transfer transactions from a Rupiah source account to a foreign currency account shall be subject to the Information on Foreign Exchange Transaction Threshold, which can be viewed on BCA’s official website at www.bca.co.id.
10) Applicable to transfers between BCA accounts other than transfers to own account.
11) The combined limit for transfers between BCA accounts (other than transfers to own accounts) and transfers to another bank via myBCA is the maximum daily transaction limit per BCA ID. The complete information on myBCA transaction limits can be viewed on BCA’s official website at www.bca.co.id.
12) The combined limit for transfer transactions via Internet Banking is the maximum daily transaction limit per user ID. The complete information on Internet Banking transaction limits can be viewed on BCA’s official website at www.bca.co.id.
13) The daily limit for cash withdrawals without a card (cardless) via myBCA mobile per BCA ID.
14) The daily limit for cash deposits without a card (cardless) via myBCA mobile per BCA ID.
Type of Transaction
Amount
Deposit*
USD Current Account
Deposit up to USD50,000/day/account
Deposit more than USD50,000/day/account
Subject to a 0.5% fee on the excess amount
Other Foreign Currency Current Account
Non-USD banknote deposit for non-USD account**
Withdrawal
USD Current Account
Withdrawal up to USD10,000/month/account
Withdrawal more than USD10,000/month/account
Subject to a 0.5% fee on the excess amount
SGD Current Account
Withdrawal up to SGD10,000/month/account
Withdrawal more than SGD10,000/month/account
Subject to a 0.5% fee on the excess amount
CNH Current Account
Withdrawal up to CNH20,000/month/account
Withdrawal more than CNH20,000/month/account
Subject to a 0.75% fee on the excess amount
*) Deposits of Banknotes that are not in good physical condition and/or are in tiny denominations into a foreign currency account denominated in the same currency will be processed with a 1:1 condition, but the customer will be charged a 0.25% fee.
**) A non-USD currency may need to be in a certain denomination to enjoy the 1:1 condition.
TERMS AND CONDITIONS FOR CURRENT ACCOUNT HOLDERS
PT BANK CENTRAL ASIA Tbk. ("BCA")