Limit transfer m banking bca

limit transfer m banking bca

• Kode Akses untuk pengamanan akses ke menu m-BCA Menggunakan 6 digit kode alfanumerik yang ditentukan nasabah• PIN untuk pengamanan validasi transaksi Menggunakan 6 digit kode numerik yang ditentukan nasabah Catatan: Apabila terjadi gangguan sistem di BCA atau gangguan di Operator GSM, maka untuk sementara waktu layanan BCA mobile tidak dapat diakses oleh nasabah • Biaya transfer ke bank lain sebesar Rp.6.500,- • Tidak dikenakan biaya tambahan bila menggunakan paket akses internet • Dikenakan biaya akses internet (GPRS/EDGE/3G/4G/WIFI), (untuk m-BCA sekitar 15 KB per transaksi atau sekitar Rp.150,-/transaksi), apabila menggunakan paket data normal (non paket) • Untuk inisialisasi aplikasi di awal dan pendaftaran nomor rekening transfer (khusus iOS) dikenakan biaya SMS yang dikirim dan diterima nasabah sebesar: • Telkomsel Rp 300 s.d.

Rp 1.320 per SMS* • Indosat Rp 400 s.d. Rp 600 per SMS* • Smartfren Rp 150 s.d. Rp 600 per SMS* • XL Rp 400 s.d.

Rp 600 per SMS* • 3 (Tri) Hutchison Rp 250 s.d. Rp 500 per SMS* *Harga tersebut belum termasuk PPN yang berlaku Biaya dan Limit m-BCA LIMIT TRANSAKSI FITUR Xpresi Paspor Blue (IDR) Paspor Gold / Tapres (IDR) Paspor Platinum (IDR) BCA Dollar (IDR) 1.

Transfer antar BCA 25 Juta 50 Juta 75 Juta 100 Juta ~ 25 Juta 2. Transfer antar bank 10 juta 15 juta 20 juta 25 juta Note: - Limit Transaksi merupakan limit gabungan dengan limit transfer di m-BCA, kecuali transfer ke Sakuku dan transfer ke BCA Virtual Account (VA). - Update: 8 Oktober 2021 - Limit transfer rupiah ke valas, terpisah dengan limit transfer rupiah.

Limit Pembelian Pulsa Isi Ulang Melalui m-BCA Sebesar Rp. 2.500.000 perhari. Ini adalah limit gabungan dengan e-channel lain seperti ATM BCA, KlikBCA, SMS BCA, Isi Ulang Pulsa via SMS dan BCA By Phone*. *Eff. Date 11 Des 2017 Limit Pembayaran Sesuai jumlah tagihan BIAYA PER TRANSAKSI No. Keterangan XL Indosat Ooredoo Telkomsel Prabayar Pascabayar Kartu Halo simPATI As 1. Transaksi Non Finansial 650 600 500 850 1010 960 2. Transaksi Finansial 1300 1200 1000 1450 1670 1620 Note: Biaya Transaksi Transfer Antar Bank (melalui jaringan prima): Rp.

6.500 (Per 01 November 2014). Pembayaran dan Pembelian Pembayaran Biaya Telepon/Telkom Rp2.500 Listrik/PLN Rp3.000 Pajak/PBB Rp2.500 PGN Rp2.500 XL Pascabayar* Rp1.500 *) Biaya pembayaran XL Prabayar sebesar Rp1.500 juga berlaku di m-BCA dan KlikBCA Bisnis Pembelian Biaya PLN Prabayar Rp2.500 Pulsa Isi Ulang Telkomsel Rp1.500 Pulsa Isi Ulang Indosat Ooredo Rp1.500 Pulsa Isi Ulang XL/AXIS Rp1.500 Limit Transaksi Minimum Limit Transaksi Maksimum Rp 1/Transaksi Rp 10.000.000/Transaksi Limit Pembayaran QRIS Limit per transaksi dibatasi sebesar Rp 10.000.000 Limit harian menggunakan limit gabungan kartu Debit yang didaftarkan di BCA mobile • Email tidak boleh kosong • Email yang anda masukkan salah • • Email yang anda gunakan sudah terdaftar • sukses-berlangganan • {47757204-E6BC-4B08-BB7B-F0DBCB513F66} • https://www.bca.co.id/id/Individu/layanan/e-banking/BCA-Mobile • {818BD8D3-2DFE-4F64-AAF5-9856B05BCB56} • {92D5CF2E-721B-4CCE-B39F-D0A94499EA88} • 24 Anda akan meninggalkan BCA.co.id Dengan mengklik ‘Lanjutkan’, Anda akan diarahkan menuju website di luar www.bca.co.id yang tidak terafiliasi dengam BCA dan mungkin memiliki tingkat sekuriti yang berbeda.

BCA tidak bertanggung jawab dan tidak mendukung, menjamin, mengendalikan konten, mengendalikan ketersediaan dan perspektif atas produk-produk atau layanan-layanan yang ditawarkan atau dinyatakan oleh limit transfer m banking bca tersebut.

(RM per transaction) NIL NIL NIL (2) Daily transaction limit (RM per day) RM20,000.00 (with PAC)* RM50,000.00 (with SecureSign)** RM30,000.00 combined limit with DuitNow Transfer, Interbank GIRO (IBG) and Intrabank Fund Transfer, prepaid reload purchase and cash withdrawal.

No limit (3) Payment reference (i) Availability of payers' names and payment references in beneficiaries' bank statement payment references in payers' bank statement Yes Yes Yes (ii) Availability of beneficiaries' names and payment references in payers' bank statement Yes Yes Limit transfer m banking bca (4) Operating hours 24 hours 6.00 a.m. to 12 midnight Banking hours (5) Crediting time For all channels (i) Monday - Friday Immediate Immediate Immediate (ii) Non-business days Immediate Immediate Not Applicable (6) Refund time Not Applicable Not Applicable Not Applicable Interbank GIRO (IBG) No Item Channel Internet Banking ATM Over-the-counter(OTC) (1) Fees and Charges (RM per transaction) Free of Charge Free of Charge RM2.00 per transaction For Basic Savings/Current Account: • RM0.50 (First 2 transactions per month) • RM2.00 (Exceeding threshold) (2) Daily transaction limit (RM per day) RM20,000.00 (with PAC)* RM50,000.00 (with SecureSign)** RM30,000.00 combined limit with DuitNow Transfer, Interbank GIRO (IBG) and Intrabank Fund Transfer, prepaid reload purchase and cash withdrawal.

RM1,000,000.00 per transaction (for residents) RM10,000.00 per day (for non-residents) (3) Payment reference (i) Availability of payers' names and payment references in beneficiaries' bank statement payment references in payers' bank statement Yes Yes Yes (ii) Availability of beneficiaries' names and payment references in payers' bank statement Yes Yes Yes (4) Future-dated payments Yes No Yes (5) Operating hours 24 hours 6.00 a.m. to 12 midnight Banking hours (6) Crediting time (i) Monday - Friday For all channels Before 5:00 a.m.

Same business day by 11:00 a.m. 5:01 a.m. to 8:00 a.m. Same business day by 2:00 p.m. 8:01 a.m. to 11:00 a.m. Same business day by 5:00 p.m. 11:01 a.m. to 2:00 p.m. Same business day by 8:20 p.m.

2:01 p.m to 5:00 p.m. Same business day by 11:00 p.m. After 5:00 p.m. Next business day by 11:00 a.m. (ii) Non-business days Next business day by 11:00 a.m. Not Applicable (7) Refund time (i) Monday - Friday For all channels Before 5:00 a.m. Same business day by 5:00 p.m. 5:01 a.m. to 8:00 a.m. Same business day by 8:20 p.m. 8:01 a.m. to 11:00 a.m. Same business day by 11:00 p.m. 11:01 a.m. to 2:00 p.m. Next business day by 11:00 a.m.

2:01 p.m to 5:00 p.m. Next business day by 11:00 a.m. (ii) Non-business days Next business day by 11:00 a.m. Not Applicable Free of Charge for senior citizens (above the age of 60 years) and disabled persons DuitNow Transfer (via Account Number) No Item Channel Internet Banking ATM (1) Fees and Charges (RM per transaction) Free of Charge Free of Charge (2) Daily transaction limit (RM per day) RM20,000.00 (with PAC)* RM50,000.00 (with SecureSign)** RM30,000.00 combined limit with DuitNow Transfer, Interbank GIRO (IBG) and Intrabank Fund Transfer, prepaid reload purchase and cash withdrawal.

(3) Payment reference (i) Availability of payers' names and payment references in beneficiaries' bank statement payment references in payers' bank statement Yes Yes (ii) Availability of beneficiaries' names and payment references in payers' bank statement Yes Yes (4) Operating hours 24 hours 6.00 a.m.

to 12 midnight (5) Crediting time For all channels (i) Monday - Friday Immediate Immediate (ii) Non-business days Immediate Immediate (6) Refund time Not Applicable Not Applicable DuitNow Transfer (via Mobile Number, NRIC/Army/Police ID, Passport Number, Business Registration Number) No Item Channel Online Banking (PBe) Mobile Banking (PB engage) (1) Fees and Charges (RM per transaction) Free of Charge Free of Charge (2) Daily transaction limit (RM per day) RM20,000.00 (with PAC)* RM50,000.00 (with SecureSign)** DuitNow Transfer & DuitNow QR RM20,000.00 (with PAC)* RM50,000.00 (with SecureSign)** DuitNow QR cross border RM3,000 per transaction RM10,000 per day (with PAC / SecureSign) (3) Payment reference (i) Availability of payers' names and payment references in beneficiaries' bank statement payment limit transfer m banking bca in payers' bank statement" Yes Yes (ii) Availability of beneficiaries' names and payment references in payers' bank statement Yes Yes (4) Operating hours 24 hours 24 hours (5) Crediting time For all channels (i) Monday - Friday Immediate Immediate (ii) Non-business days Immediate Immediate (6) Refund time Not Applicable Not Applicable RENTAS No Item Channel Internet Banking Over-the-counter (OTC) (1) Fees and Charges (RM per transaction) RM2.00 per transaction RM5.00 per transaction (2) Daily transaction limit (RM per day) RM20,000.00 (with PAC)* RM50,000.00 (with SecureSign)** Minimum RM10,000.00 per transaction (3) Payment reference (i) Availability of payers' names and payment references in beneficiaries' bank statement payment references in payers' bank statement Yes Yes (ii) Availability of beneficiaries' names and payment references in payers' bank statement Yes Yes (4) Operating hours 9:30 a.m.

to 3 p.m. Banking hours (5) Crediting time For all channels (i) Monday - Friday Same business day Same business day (ii) Non-business days Not Applicable Not Applicable (6) Refund time Same business day Same business day Note: The daily third party fund transfer limit per customer is shared between all fund transfers performed on the same day to other PBB accounts, DuitNow Transfer, Interbank GIRO (IBG), Intrabank Transfer, DuitNow QR, DuitNow QR Cross Border, RENTAS, PB Visa Direct, Remittance and Western Union services.

* The fund transfer limit can be maintained online at Profile Maintenance/Change Daily Transfer Limit up to a maximum of RM20,000.00. Single transaction limit is up to RM10,000 with PAC.

** The daily fund transfer limit can be increased beyond Limit transfer m banking bca to a maximum of RM50,000.00 at any PBB branch. For that, you are required to use a SecureSign token for all transactions, regardless of amount.

Other related fees/charges for online banking (internet and mobile banking) No Item Amount Fees and Charges (RM per transaction) (i) Limit transfer m banking bca tokens - Device RM50.00 per token* (one time charge) - Monthly Support & Maintenance Fee RM20.00 per corporation* (ii) Notification / SMS RM0.20 per transaction * Waived limit transfer m banking bca 1 October 2014 Debit Card No Item Standalone domestic debit card Standalone International brand debit card Combo debit card 1 Domestic International (1) Daily point-of-sale transaction limit (RM per day) RM10,000.00 per day RM10,000.00 per day Default RM3,000.00 per card per day and Max RM10,000.00 per card per day (2) Incentives NIL NIL NIL 1Cards with both domestic debit and international debit schemes Cheque and Current Account Services Amount Effective date Fee per cheque issued RM0.50 1st April 2015 Interest rate/profit rate of current accounts Type of accounts Interest rate/profit rate (% per annum) Basic NIL Normal NIL Premium (for Individual only) 0.0% to 2.0% For more information on E-payment Services and Fees, please click limit transfer m banking bca /> Service Commission / Service Charges / Interest Closure of account Closure of accounts within 6 months - RM20 Closure of Basic Savings accounts within 3 months - M20 Dormant Account - Balance of RM10.00 and below Account closed & balance absorbed as charge - Balance more than RM10.00 RM10.00 per annum Lost Passbook RM10 (service charge) RM10 (Stamp Duty on Letter of Indemnity for lost of passbook) Replacement of Savings Account Passbook due to poor handling, mutilated, faded etc (except if passbook is full due to transactions) RM10 (service charge) Intrabank Fund Transfer via instruction (account to account other than payroll services) RM5.00 per transaction Duplicate Statements i) Within 1 year from original statement date RM10.00 per request plus RM2.00 per page ii) Above 1 year from original statement date RM 20.00 per request plus RM2.00 per page Note : Service charges above are waived for Basic Savings Account (BSA) Fees and Charges Description Annual Fees Card Type Principal Card (RM) Supplementary Card (RM) RHB Premier Visa Infinite Waived Waived RHB Visa Infinite Waived Waived RHB World Mastercard Waived Waived RHB World Mastercard Waived Waived RHB Platinum Business Waived Waived RHB Rewards / Rewards Motion Code TM 200.00 Waived RHB Cash Back 70.00 Waived MyEG-RHB 88.00 Waived RHB Shell VISA 195.00 Waived Finance Charges On Purchases If all or any of the Finance Charge remains unpaid after the Payment Due Date, the Finance Charge will be imposed on any outstanding finance charges and other fees (excluding late payment charge) that were carried forward from previous statement that is unpaid after the Payment Due Date.

Description Interest Rate Per Month Per Annum Cardmembers who promptly settle their minimum payment due for 12 consecutive months.

1.25% limit transfer m banking bca Cardmembers who promptly settle their minimum payment due of at least 10 months or more in a 12-month cycle. The 12 months minimum payment due cycle will not apply to new cardmember. 1.42% 17% Cardmembers who do not fall within the above categories. 1.50% 18% To enjoy lower finance charges for the retail transactions, you should make at least 10 prompt payments in the last 12 months.

Platinum Business: 15% p.a. of the outstanding amount calculated on a daily basis of the outstanding amount not fully paid by the payment due date. Finance Charges If all or any of the Finance Charge remains unpaid after the Payment Due Date, the Finance Charge will be imposed on any outstanding finance charges and other fees (excluding late payment charge) that were carried forward from previous statement that is unpaid after the Payment Due Date.

On Cash Advance 18% per annum will be levied on each cash advance calculated from the date of cash advance until it is fully settled. Platinum Business: 15% p.a. of the cash advance amount calculated on a daily basis. Balance Transfer/CashXcess/Dial-An-Instalment Balance Transfer (BT), CashXcess (CX) and Dial-An-Instalment (DAI) rates are not fixed and is subject to change. Kindly refer to www.rhbgroup.com for the latest rates.

Automatic Balance Conversion An auto balance conversion for eligible Cardmember in every 12 months by converting the credit card outstanding balances (with a minimum amount of RM1,000) into a 3 years term loan, at an effective interest rate of 13% per annum.

Cardmember has the flexibility to opt-out from each conversion offer. Kindly refer to www.rhbgroup.com for more information. Cash Advance Fee 5% of the transaction amount or a minimum of RM15.00, whichever is higher, will be charged on all cash withdrawals and licensed betting transactions. Any applicable taxes imposed from time to time are applicable for these charges.

Late Payment Charges If the cardmember fails to pay the Minimum Monthly Repayment by the Payment Due Date, a late payment charge of 1% of the Card Account on the outstanding balance or RM10.00, whichever is higher, subject to a maximum of RM100.00 will be imposed and stated in the monthly statement. Overseas Transaction Conversion Fee If a transaction is made in foreign currency, MasterCard or VISA, depending on which card is used, will convert the transaction into a Ringgit Malaysia equivalent at the conversion rate as determined by MasterCard or VISA as at the date it is processed by MasterCard or VISA.

In addition, you will also pay the administration costs at 1% or at such other rates as shall be determined by us for the conversion of the transactions made in foreign currencies.

Any applicable taxes imposed from time to time are applicable for these charges. Excess Limit transfer m banking bca Fee A fee of RM50 may be charged whenever the Total Outstanding Balance exceeds the combined card limit due to excess limit transactions. Card Replacement Fee RM50 per card Sales Draft Retrieval Copy RM20.00 per copy Monthly Hardcopy Statement Fee RM1.00 per hardcopy statement effective March 2019. Additional Statement Request Fee RM5.00 per copy Card Service Tax (CST) RM25.00 per Principal & Supplementary card on a yearly basis.

CST shall be imposed on the date of new card activation or renewal of the credit card on every twelve months after the date the card is issued or renewed. Minimum Monthly Payment Upon receipt of the Card Statement, the Cardmember shall pay to the Card Account the minimum payment due as set out below or up to the outstanding balance shown on the Card Statement (the Outstanding Balance) on or before the Payment Due Date as stated in the Card Statement.

The minimum payment due shall be: a) 5% of Outstanding Balance (comprising of retail transactions, balance transfer, cash advance amount, finance charges and fees, if any); b) All monthly instalments due (contracted Easy Payment Plan, Balance Transfer Plan, CashXcess Plan and all other instalment plans available from time to time, if any) signed up from 2 October 2019; c) The contracted monthly term loan instalment for any Automatic Balance Conversion if any; d) Any unpaid minimum payments specified in the preceding month’s statement (if any); e) Amount in excess of the Card Limit during the statement month (if any); and f) Card Service Tax and any other value added taxes imposed.

OR g) A minimum amount of RM50 from the Outstanding Balance, whichever is higher. Interest Free Period 20 days from statement date- if all retail transactions of the previous month are fully paid Fees and Charges Description Annual Fees Card Type Annual Fee RHB Business Platinum Waived RHB Corporate Credit RM150/ card RHB Corporate Charge RM150/ card RHB Purchasing Charge RM150/ card Finance Charges Finance charges for Retail Purchases for credit cards: Description Interest Rate Cardmembers who promptly settle their minimum payment due for 12 consecutive months.

15% p.a. (1.25% p.m.) Cardmembers who promptly settle their minimum payment of at least 10 months or more in a 12-month cycle. The 12 months minimum payment due cycle will not apply to new cardmember.

17% p.a. (1.42% p.m.) Cardmembers who do not fall within the above categories. 18% p.a. limit transfer m banking bca p.m.) Finance charges for Retail Purchases for Business Platinum: 15% p.a. of the outstanding amount calculated on a daily basis of the outstanding amount not fully paid by the payment due date. Finance charges for Retail Purchases for charge cards: Finance Charges not applicable to charge cards where outstanding balance limit transfer m banking bca be settled in full by Payment Due Date.

Finance charges: If all or any of the Finance Charge remains unpaid after the Payment Due Date, the Finance Charge will be imposed on any outstanding finance charges and otherfees(excluding late payment charge) that were carried forward from previousstatementthatis unpaid after the Payment Due Date. Cash Advance Fee Not available Minimum Monthly Payment for Credit Cards Upon receipt of the Card Statement, the Cardmember shall pay to the Card Account the minimum payment due as set out below or up to the outstanding balance shown on the Card Statement (the Outstanding Balance) on or before the Payment Due Date as stated in the Card Statement.

The minimum payment comprising of: a) 5% of Outstanding Balance (comprising of retail transactions, balance transfer, cash advance amount, finance charges and fees, if any); b) The contracted monthly term loan instalment for any Automatic Balance Conversion if any; c) Any unpaid minimum payments specified in the preceding month’s statement (if any); d) Amount in excess of the Card Limit during the statement month (if any); and e) Card Service Tax and any other value added taxes imposed.

Or A minimum amount of RM50 from the Outstanding Balance, whichever is higher. Not applicable to charge cards where outstanding balance must be limit transfer m banking bca in full by Payment Due Date. Late Payment Charge Late Payment Charges for credit cards: A minimum of RM10 or 1% of total outstanding balance as at statement date, whichever is higher, up to a maximum of RM100 will be charged. Late Payment Charges for charge cards: If the company limit transfer m banking bca cardmember fails to settle the outstanding balance in full by the due date, a late payment charge of 3.5% of the Card Account on the balance or RM50.00, whichever is higher will be imposed and stated in the monthly statement.

Interest Free Period 20 days from the statement date and is applicable only for retail transactions and the cardmembers who pay in full on or before the payment due date. If Cardmembers opt to pay partial or minimum payment, finance charges for retail transactions will be calculated from the day the transactions are posted to the card account.

Excess Limit Fees A fee of RM50.00 may be charged whenever the Total Outstanding Balance exceeds the combined card limit due to excess limit transactions.

limit transfer m banking bca

Sales Draft Copy Request RM20.00 for each sales slip or cash advance duplicate copy Card Replacement Fee RM50 for each replacement card issued. Card Statement Request RM5.00 on each additional card statement. Overseas Transaction Conversion Fee The conversion rate as determined by Visa International or MasterCard Worldwide plus administration cost of up to 1% on the conversion rate. Card Service Tax (CST) Effective 1st September 2018, Service Tax shall be imposed on each Business Platinum and Commercial Card upon new card activation date or renewal of the credit card.

The rate of service tax to be imposed is RM25 per card per year. Annual/Issuance fee RHB Debit Card - RM12 RM12.00 (with 0.5% cash back for overseas transaction) RHB Debit Card - RM8 RM8.00 (without cashback) RHB Visa Justice League Debit Card Issuance fee: RM15.00 Annual fee: RM12.00 (with 0.5% cash back for overseas transaction) Premier Visa Infinite Debit Card RM50.00 Waived for the first year. For the subsequent years, it will be waived subject to RM5,000-00 retail spend per annum or swipe their card a minimum of 5 times in a year.

(with 1.0% cash back for overseas transaction) RHB Premier Multi-Currency Visa Debit Card RM20.00 RHB Multi-Currency Visa Debit Card RM20.00 RHB Corporate MyDebit Card RM12.00 Easy Smart Debit Card RM20.00 Waived for Easy-Smart Student Debit Card TM provided the cardholder is a Malaysian student aged eighteen (18) years and above who is enrolled in any Easy partnered universities/colleges incorporated in Malaysia ATM withdrawal fee* RHB ATM Free Local Bank MEPS RM1.00 per withdrawal.

Waived for Premier Visa Infinite Debit Card Foreign Bank MEPS RM4.00 per withdrawal Visa/MasterCard Network RM12.00 per withdrawal Card replacement fee RHB Debit Card - RM12 RM15.00 RHB Debit Card - RM8 RM12.00 RHB Visa Justice League Debit Card RM18.00 Premier Visa Infinite Debit Card RM15.00 RHB Premier Multi-Currency Visa Debit Card RM15.00 RHB Multi-Currency Visa Debit Card RM15.00 RHB Corporate MyDebit Card RM15.00 Easy Smart Debit Card RM15.00 For Easy-Smart Student Debit Card TM, the cardholder is required to provide an authorization letter from the University/College Overseas transaction conversion fee * 1% of the converted amount Sales draft retrieval fee * RM20-00 per copy * Not applicable for RHB Corporate MyDebit Card RHB Prepaid Card Annual fees RM24.00 per card Replacement card fee Not applicable.

To purchase a new starter pack. ATM withdrawal fees - RHB ATM Free ATM withdrawal fees - Visa Network RM8.00 per withdrawal Overseas transaction conversion fee 1% of the converted amount Sales draft retrieval fee RM10.00 per copy Copy of statement RM5.00 per copy Service Fees and Charges Amount (inclusive of any applicable taxes imposed from time to time) Redraw Fee RM50 per transaction limit transfer m banking bca MY1 Flexi Home Loan Redemption statement (per account per request) RM50 Letter of confirmation for EPF withdrawal RM20 Security document retrieval fee RM20 for up to 10 pages RM50 for more than 10 pages Additional loan limit transfer m banking bca RM5 per page Restructuring/ Rescheduling No charges Monthly maintenance fee No charges Commercial Loan Commission/Service Charges/Interest Restructuring/rescheduling of facility No charge for SME a) CTOS b) CCM (ROC)/ROB search via CTOS No charge for SME CCRIS No charge for SME Commitment fee • Applicable to all business accounts.

• For SME, not more than 1% per annum. Noted: vailable rates are 0.25,0.3,0.5 and limit transfer m banking bca • For individual, commitment fee is only applicable when total aggregate facilities exceed RM250,000.00. Processing fee No charge for SME Description / Service Fee/ Interest Cancellation Fee i. Cancellation by customer after application has been approved by SJPP ii. Failure to disburse the banking facilities granted by bank after a period of 6 months from date of SJPP’s approval and resulting in cancellation of guarantee approval by SJPP RM 100 is payable to Syarikat Jaminan Pembiayaan Perniagaan (SJPP) Limit transfer m banking bca Fees and Charges Amount HP Agreement RM10.00 per agreement for stamp duty Supplementary HP Agreement RM 20.00 per agreement for documentation and stamp duty Variation on HP Agreement upon request RM 10.00 per agreement for stamp duty Postal charges • RM 3.50 for account without guarantor • RM 7.00 for account with 1 guarantor • RM 10.30 limit transfer m banking bca account with 2 guarantors Road tax renewal RM 10.00 per transaction Redemption statement (as requested by third party) RM 30.00 per request Discharge and release letter by third party (as requested by third party) RM 30.00 per request FIS Data Reference (FIS) charges RM 4.20 per transaction Request for retrieval and limit transfer m banking bca of documents • Additional HP statement • Issuance of letter of consent for transfer of vehicle from East Malaysia to West Malaysia and vice versa • Issuance of letter of undertaking for insurance/ takaful claim • Audit confirmation per account • Request for copy of HP’s documents RM 22.00 per request Photocopy of HP agreement RM 25.00 per request Service Commission / Service Charges / Interest Restructuring/Rescheduling Corporate customers Individual and SME customers are charged stamp duty on the following documents: RM230.00 including stamp duty.

If it involves registrable vehicles, any charges payable to JPJ and runners shall be billed at cost. Per Copy No. of Copies Total Amount HP Variation Agreement RM10 2 RM20 Supplement Guarantor Agreement RM10 2 RM20 Guarantee & Indemnity (if any) RM10 2 RM20 Supplement Corporate Guarantee Agreement (if any) RM10 2 RM20 Assignment of Agreement RM230.00 including stamp duty.

If it involves registrable vehicles, any charges payable to JPJ and runners shall be billed at cost. Reimbursement on Stamp Duty Standard Document Per Copy No. of Copies Total Amount IHP/HP Agreement RM10 2 RM20 Personal Guarantee RM10 2 RM20 Joint & Several Guarantee RM10 2 RM20 Corporate Guarantee RM10 2 RM20 Novation Agreement RM10 1 RM20 Additional Documents due to certain terms and conditions imposed Per Copy No.

of Copies Total Amount Repurchase Agreement RM10 2 Limit transfer m banking bca Assignment of Purchase Agreement RM10 2 RM20 Standing Instruction RM10 1 RM20 Letter of Set-Off RM10 1 RM20 Supplemental Agreement RM10 2 RM20 Variation Agreement RM10 2 RM20 Deed of Assignment RM10 2 RM20 Subordination of director loan RM10 2 RM20 Additional documents required for opening of L/C Per Copy No.

of Copies Total Amount Personal Guarantee RM10 2 RM20 Joint & Several Guarantee RM10 2 RM20 Corporate Guarantee RM10 2 RM20 Local Demand Draft (in RM) SERVICE CHARGES / FEES STAMP DUTY CABLE & OTHER CHARGES MAIL / COURIER CHARGES For account holder RM4.85 RM0.15 NA RM0.60 (For Internet Banking Only) For walk in customer RM7.85 RM0.15 NA RM0.60 (For Internet Banking Only) Cancellation / Refund RM2.00 Stamp Duty : RM10.00 (on indemnity) Not applicable if the original local Demand Draft is presented for cancellation.

NA NA MIDF/MIH Public Issue SERVICE CHARGES / FEES STAMP DUTY CABLE & OTHER CHARGES MAIL / COURIER CHARGES For account holder RM2.00 RM0.15 NA NA For walk in customer RM4.85 RM0.15 NA NA Foreign Demand Draft (in Foreign Currency) General SERVICE CHARGES / FEES STAMP DUTY CABLE & OTHER CHARGES MAIL / COURIER CHARGES Less than RM5,000.00 equivalent RM6.00 NA Postage RM1.00 NA Equal or above RM5,000.00 equivalent RM4.00 NA Postage RM1.00 NA Cancellation / Refund / Stop Payment RM2.00 Stamp Duty : RM10 (on indemnity) Not applicable if the original Demand Draft is presented for cancellation Cable Charges : RM10.00 Plus out of pocket charges/Agent charges NA CRS Drafts USD / CRS Drafts Non-USD (EUR, GBP, HKD & NZD) SERVICE CHARGES / FEES STAMP DUTY CABLE & OTHER CHARGES MAIL / COURIER CHARGES Less than RM5,000.00 equivalent RM6.00 NA Postage RM1.00 & Agent Charges RM32.00 NA Equal or above RM5,000.00 equivalent RM4.00 NA Limit transfer m banking bca RM1.00 & Agent Charges RM32.00 NA Cancellation / Refund / Stop Payment On Same Day Issuance only (with physical draft) Service charge : RM2.00 NA NA NA After Next Day Of Issuance Service charge : RM2.00 Stamp Duty : RM10.00 (if applicable) Cable charges: RM10.00 Agent's charges : RM30.00 Limit transfer m banking bca Photocopy Request on Paid CRS Drafts (USD and non USD Drafts) Agent's charges : R38.00 NA NA NA SERVICE CHARGES / FEES STAMP DUTY CABLE & OTHER CHARGES COURIER CHARGES RHB Basic Savings Account (BSA) and RHB Basic Current Account (BCA) Over the counter transactions RM0.50 for the 1st 2 transactions for the month.

Subsequent transactions will be charged RM2.00 NA NA NA Transaction via Internet Banking RM0.00 NA NA NA Other Deposit Accounts Over the counter transactions RM2.00 NA NA NA Transaction via Internet Banking RM0.00 NA NA NA SERVICE CHARGES / FEES STAMP DUTY CABLE & OTHER CHARGES COURIER CHARGES Rentas via Outward Rentas (Over The Counter). RM5.00 NA NIL NA Inward Rentas (via direct crediting). NIL NA NIL NA BNM link ABM link AIBIM link Outward Foreign Telegraphic Transfer via RHB Online Banking Transaction fee NA NA Charges RM20.00 NA Outward Foreign Telegraphic Transfer via RHB branches - Over the counter (OTC) Less than RM5,000 or equivalent RM2.00 NA SWIFT RM25.00 NA Equal or above RM5,000 NIL NA SWIFT RM25.00 NA Cancellation / Refund / Stop Payment NIL NA Cable : RM10.00 plus out of pocket expenses NA Inward Foreign Telegraphic Transfer Payable to an account with RHB Bank Berhad RM5.00 NA NA NA SERVICE CHARGES / FEES STAMP DUTY CABLE & OTHER CHARGES Mail/Courier Charges All currencies except SGD Commission : 0.1% Min : RM10.00 Max : RM100.00 RM0.15 Postage : RM5.00 plus collecting Agent's Charges (if any) NA SGD drawn in Singapore only Commission : 0.1% Min : RM5.00 Max : RM100.00 RM0.15 Postage : RM5.00 NA USD drawn in Singapore for amount USD500 and above Commission : 0.1% Min : RM10.00 Max : RM100.00 Additional commission charged at RM equivalent of USD15.00 RM0.15 Postage : RM5.00 NA USD drawn in Singapore for limit transfer m banking bca less than USD 500 Commission : 0.1% Min : RM10.00 Max : RM100.00 RM0.15 Postage : RM5.00 NA Brunei Dollar Commission : 0.1% Min : RM10.00 Max : RM100.00 RM0.15 Postage : RM5.00 Telex charges : BND10.00 equivalent per telex sent NA SERVICE CHARGES / FEES STAMP DUTY CABLE & OTHER CHARGES All currencies except SGD Commission : 0.1% Min : RM10.00 Max : RM100.00 RM0.15 Postage : RM5.00 In SGD only Commission : 0.1% Min : RM5.00 Max : RM100.00 RM0.15 Postage : RM5.00 Advice of Dishonour (Returned FCC / FCP / TCP) Commission : RM10.00 RM0.15 Postage : RM5.00 plus collecting Agent's Charges (if any) Other Remittance Service Charges for other Remittance Services are available upon request at any of RHB Bank Bhd's branches nearest to you.

SERVICE CHARGES / FEES STAMP DUTY CABLE & OTHER CHARGES COURIER CHARGES Bank Draft (Less than RM5,000 equivalent) Rupiah Remittance Service RM2.00 NA Postage RM1.00 NA Peso Remittance Service RM2.00 NA Postage RM1.00 NA Taka Remittance Service RM2.00 NA Postage RM1.00 NA Vietnamese Dong RM2.00 NA Postage RM1.00 NA Pakistan Rupee RM2.00 NA Postage RM1.00 NA Indian Limit transfer m banking bca RM2.00 NA Postage RM1.00 NA China RM2.00 NA Postage RM1.00 NA Bank Draft (Equal or above RM5,000 equivalent) Rupiah Remittance Service Waived NA Postage RM1.00 NA Peso Remittance Service Waived NA Postage RM1.00 NA Taka Remittance Service Waived NA Postage RM1.00 NA Vietnamese Dong Waived NA Postage RM1.00 NA Pakistan Rupee Waived NA Postage RM1.00 NA Indian Rupee Waived NA Postage RM1.00 NA China Waived NA Postage RM1.00 NA Foreign Worker Telegraphic Transfer* Rupiah Remittance Service RM2.00 NA Cable Charges RM10.00 NA Peso Remittance Service RM2.00 NA Cable Charges RM10.00 NA Taka Remittance Service RM2.00 NA Cable Charges RM10.00 NA Vietnamese Dong RM2.00 NA Cable Charges RM10.00 NA Pakistan Rupee RM2.00 NA Cable Charges RM10.00 NA Indian Rupee RM2.00 NA Cable Charges RM10.00 NA China RM2.00 NA Cable Charges RM10.00 NA * Commission RM2.00 is waived limit transfer m banking bca remittance amount is above RM5,000.

No. Description Basic Premium for Corporate SME & Sole Proprietor (effective from 01/05/2018) Premium Plus (effective from 18/06/2021) Accessibilty Type For Inquiry Only For Inquiry & Transactions For Inquiry, Transactions and Direct Integration with 3rd Party Software Provider 1. Monthly Subscription Fee Waived RM30.00 Waived RM50.00 2. Security Token No Token Required. Login is via Password Option 1: Normal User Assignment Free 4 tokens (2 System Administrator and 2 Financial User) Option 2: Dual Function User Assignment Free 2 tokens ( 2 System Administrator with Financial Function Option 3: Single User Assignment Free 1 token Additional token: RM50.00/user *not applicable for Option 3: Single User Assignment Replacement / Additional token Fee: RM50.00/user 3.

Intra-Bank (within RHB) Not Applicable a) Single Transaction • Own Account Free-of-charge Free-of-charge Free-of-charge • Third Party Account RM0.10 Free-of-charge Free-of-charge b) Bulk Transaction (Autocredit) RM0.80/transaction Free-of-charge Free-of-charge 4.

IBG (Interbank GIRO) Not Applicable a) Single Transaction RM0.10 RM0.10 RM0.10 b) Bulk Transaction RM1.00/transaction RM0.10/transaction RM0.10/transaction 5. RENTAS Not Applicable a) Single Transaction RM4.00 RM2.00 RM2.00 b) Bulk Transaction RM4.00/transaction RM2.00/transaction RM2.00/transaction 6.

Payroll Intra-bank (within RHB) Not Applicable a) Payroll Intra-bank (within RHB) RM0.80/transaction Free-of-charge Free-of-charge b) Payroll IBG (Interbank GIRO) RM1.00/transaction RM0.10/transaction RM0.10/transaction c) Payroll RENTAS RM4.00/transaction RM2.00/transaction RM2.00/transaction d) Statutory body payment (EPF/SOCSO/IRB) Free-of-charge Free-of-charge Free-of-charge 7. Outward TT Not Applicable a) Transaction equivalent amount less than RM5,000.00 RM22.00 RM22.00 RM22.00 b) Transaction equivalent amount equal or more than RM5,000.00 RM20.00 RM20.00 RM22.00 c) Additional charges (applicable for transaction with OUR charges option only) RM50.00 RM50.00 RM50.00 8.

DuitNow ID (registration) Free-of-charge 9. DuitNow Not Applicable a)Transaction amount less than RM5001.00 Free-of-charge b) Transaction amount equal or more than RM5001.00 RM0.50 10. Instant Transfer Not Applicable a)Transaction amount less than RM5001.00 Free-of-charge b) Transaction amount equal or more than RM5001.00 RM0.50 * Note: 1. The SME package is only applicable to companies which fall under the BNM's definition of SME.

2. IBG Transaction Limit is RM 1,000,000 per transaction. 3. DuitNow & Instant Transfer Limit is RM10, 000,000 per transaction. IBG Payment Initiated by Customers Funds Received by Beneficiaries Business Days (Mon – Fri) Before 5:00 am Same business day By 11:00 am 5:01 am to 8:00 am By 2:00 pm 8:01 am to 11:00 am By 5:00 pm 11:01 am to 2:00 pm By 8:20 pm 2:01pm to 5:00 pm By 11:00 pm After 5:00 pm Next business day By 11:00 am Non-Business Days (Saturday, Sunday and Federal Territory Public Holidays) Next business day By 11:00 am IBG Transaction Cut Off Time Returned Unsuccessful Transaction Window Number Crediting Time of Returned Unsuccessful Transaction 0500 hours 3 1700 hours same business day 0800 hours 4 2020 hours same business day 1100 hours 5 2300hours same business day 1400 hours 1 (Next business day) 1100 hours next business day 1700 hours 1 (Next business day) 1100 hours next business day BOX SIZE TIER 1 TIER 2 Below 600 cu.in.

RM276.00 RM252.00 601 to 1,000 cu.in. RM336.00 RM300.00 1,001 to 2,000 cu.in. RM396.00 RM348.00 Above 2,000 cu.in. RM456.00 RM396.00 SERVICE COMMISSION / SERVICE CHARGES / INTEREST Initial key deposit upon opening of account RM250 Stamp duty on agreement RM10 Lost / Replacement of Keys Lost 1 key : Replacement Actual cost subject to minimum RM100 Lost 2 keys : Force Opening Actual cost subject to minimum RM300 Force Opening Charges Actual cost incurred 1.0 • Issuance/ Renewal Commission • Amendment (on tenor and amount) • Other amendments • Handling (Service) Charges for non-standard format • Lost BG • Claims under BG Handling (Service) fee • Rates as per Letter of Offer, Min RM100 • Rates as per Letter of Offer, Min RM100 • RM50 flat per request • RM100 flat • RM100 flat • RM50 per claim (to be charged on applicant) Over-the-Counter Bank Guarantee (OTCBG) 2.0 • Issuance • Renewal • Amendment (on tenor and amount) • Other amendments • Lost BG • Handling (Service) Charges for non-standard format • Claims under BG Handling (Service) Fee • 1.50% per annum, Min RM100 • 1.50% per annum, Min RM100 • 1.50% per annum, Min RM100 • Min: RM50 flat per request • RM100 flat • RM100 flat • RM50 per claim (to be charged on applicant) Financial Supply Chain RM20 for SMEs RM50 for Non-SMEs upon submission of request / application for financing Export Factoring Facility - Receivables Purchase Program For Exporters 4.0 Factoring / Receivable Purchase Fee Flat fee ranges in percentage of invoice / receivable / debt value.

Factoring / receivable purchase fee is subject to a few factors including industry, sales turnover, payment terms and credit standing limit transfer m banking bca buyer. Service Fee (not applicable for Premier Qard Current Account-i) RM10.00 half yearly service fee if average balance is less then RM1,000 in preceeding 6 months Cheque Book • Stamp Duty • Cancellation of Long Outstanding Uncollected Cheque Book after issuing of reminder • RM0.15 per piece • RM 25.00 per cheque book (Not applicable for Transition Account) • RM 20.00 per cheque book (Applicable for Transition Account only) Cheque Returned • due to insufficient funds • due to technical reasons • due to post dated (inward returned) • RM150 per cheque • No charge • RM10 .00(on payee) Delivery of Inward Returned Cheque Upon Limit transfer m banking bca RM10.00 (by courier) Reclearing of Cheques RM50 per cheque Stop Payment Cheque • Upon instruction • Due to lost of cheque book • RM20.00 per cheque • RM20.00 per instruction (with police report) Upon presentation of cheque • if sufficient funds • if insufficient funds • RM10.00 per cheque • RM 150 per cheque (Not applicable for Transition Account) • RM 100 per cheque (Applicable for Transition Account* and Premier Qard Current Account-i) Closure of Current Account (Not applicable for Transition Account) • within 6 months of opening • after 6 months of opening • RM20 • RM10.00 Closure of Current Account (Applicable for Transition Account and Premier Qard Current Account‑i) • Within 3 months of opening • After 3 months of opening • RM20 • No charges Cheque Processing Fee RM0.50 per piece Encashment of Pre-printed "A/C Payee Only" crossing third party RM2.00 per cheque (charged to drawer's account) House Cheque • Immediate Credit (Individual & SME customers will be exempted) • Waived Mandate Form • Stamp Duty • Service Charge • RM10 • RM10.00 Duplicate Statements Photocopies of cheques, pay-in-slips, advices and cheque images i.

Within 1 year from original statement date RM10.00 per request plus RM2.00 per page ii. Above 1 year from original statement date RM20.00 per request plus RM2.00 per page RM10.00 per copy Dormant Account (no activity for 6 months) RM10.00 annually • Over the counter (OTC) (Interbranch) • RM5.00 Waived (for Transition Account only) • Over the counter (OTC) (Interbank) • RM7.00 RM5.00 (for Transition Account only) List of Transition Account: • Qard Current Account II-i • Bank@Work Current Account-i • Qard Current Account II-i (Non-Profit Organizations) • Az-Zahra Qard Current Account-i Half yearly Service Charge RM10.00 (if monthly average balance is below RM1,000 in the preceding 6 months) Closure of Account RM20 (if closed within 3 months of account opening) Option 1 (No Bankcard Limit transfer m banking bca Fee) 16 free monthly transactions : • 6 free over-the-counter (OTC) visits per month • 1st eight ATM cash withdrawal per month = free Subsequent = RM0.50 each • 1st two GIRO OTC transactions at RM0.50 each thereafter at RM2.00 per transaction Option 2 (Bankcard Annual Fee RM8.48) • Unlimited number of ATM and OTC transactions • 1st two GIRO OTC transactions at RM0.50 each thereafter at RM2.00 per transaction Closing of account within 3 months RM 20 Cheque Book • Stamp Duty • Cancellation of Long Outstanding Uncollected Cheque Book after issuing of reminder • RM0.15 per piece • RM25.00 per cheque book Cheque Return • due to insufficient funds • due to technical reasons • due to post dated (inward returned) • RM150 per cheque • No charge • RM10.00 (on payee) Stop Payment Cheque • Upon instruction • Due to lost of cheque book • RM20.00 per cheque • RM20.00 per instruction (with police report) Upon presentation of cheque • if sufficient funds • if insufficient funds • RM10.00 per cheque • RM100 per cheque Dormant Account (no activity for 6 months) RM10.00 annually Duplicate Statements • Upon instruction • Due to lost of cheque book • Within 1 year from original statement date RM10.00 per request plus RM2.00 per page • Above 1 year from original statement date RM20.00 per request plus RM2.00 per page • Photocopies of cheques, pay-in-slips, advices and cheque images • RM10.00 per copy Standing Instruction • Over the Counter (OTC) Interbank • RM5.00 per transaction Replacement of passbook due to: (i) Lost passbook • Service Charge • Stamp Duty (ii) Poor handling, mutilated, faded etc • Service Charge • RM10 • RM10 • RM10 Closure of Savings Account • Within 6 months of account opening • Within 3 months of account opening (for Transition Account* only) RM20 Dormant Account (no activity for 12 months) RM10.00 annually List of Transition Account*: • Qard Savings Account II-i • Bank@Work Savings Account-i • Junior Qard Savings Account-i (Passbook) • Junior Qard Savings Account-i (Non-Passbook) • Senior Qard Savings Account-i • Easy Kad Debit-i Closure of Account RM20 (if closed within 3 months of account opening) Option 1 (No Bankcard Annual Fee) 16 free monthly transactions : • 6 free over-the-counter (OTC) visits per month • 1st eight ATM cash withdrawal per month = free Subsequent = RM0.50 each • 1st two GIRO OTC transactions at RM0.50 each thereafter at RM2.00 per transaction Option 2 (Bankcard Annual Fee RM8.48) • Unlimited number of ATM and OTC transactions • 1st two GIRO OTC transactions at RM0.50 each thereafter at RM2.00 per transaction Basic Savings Account-i Service Charges Replacement of passbook No passbook for Basic Savings Account-i Early Closure of Account RM20 (if closed within 3 months of account opening).

No charge if closed after 3 months. Option 1 (No Bankcard Annual Fee) Option 1 (Product code 130) – No Bankcard Annual Fee 16 monthly transactions: • 6 free Over-the-Counter (OTC) visits at branch (e.g. account enquiries, bills payment, deposits, withdrawals and fund transfers within the same bank) Each transaction after the 6th visit will be charged RM0.50.

Note: OTC visit is defined as one visit to the bank’s counter irrespective of the number of transactions performed. • 8 free ATM cash withdrawal transactions. Each transaction after the 8th will be charged RM0.50. Note: There’s no limit on ATM transactions that are not cash withdrawal (e.g. balance enquiry or fund transfer within the same bank) • First 2 Interbank GIRO transaction is charged RM0.50 per transaction, thereafter at RM2.00 per transaction.

Option 2 (Bankcard Annual Fee RM8.00) Option 2 (Product code 131) – With RM8.00 Bankcard Annual Fee • Unlimited OTC & ATM cash withdrawal transactions • First 2 Interbank GIRO transaction is charged RM0.50 per transaction, thereafter at RM2.00 per transaction. Inward Returned Cheque Due to postdated – RM10.00 on payee Dormant Account (account with no activity / transaction for one year) • Annual service charge = RM10.00 • If account balance less than RM10, system will auto close the account and absorb the balance as a fee after a reminder.

Bankcard • RM8.00 Annual Fee (Waived for staff) • RM12 Replacement of card fee due to lost/stolen/damage/PIN forgotten Savings Account-i Early Closure of Account RM20 (if closed within 3 months of account opening).

No charge if closed after 3 months. Dormant Account (account with no activity / transaction for 12 months) • Annual service charge = RM10.00 • If account balance less than RM10, system will auto close the account. The balance shall be treated as the service charge. Card Type Annual/Issuance Fee Replacement Fee RHB Debit Card-i - RM12 RM12.00 (with 0.5% cash back for overseas transaction) RM15.00 RHB Debit Card-i - RM8 RM8.00 (without cashback) RM12.00 RHB Visa Justice League Debit Card-i Issuance fee : RM15.00 Annual fee : RM12.00 (with 0.5% cash back for overseas transaction) RM18.00 RHB Platinum Debit limit transfer m banking bca RM50.00 Waived for the first year.

For the subsequent years, it will be waived subject to RM5,000.00 retail spend per annum or swipe their card a minimum of 5 times in a year.

RM15.00 Children Account-i Early Closure of Account RM20 (if closed within 3 months of account opening). No charge if closed after 3 months.

Dormant Account (account with no activity / transaction for 12 months) • Annual service charge = RM10.00 • If account balance less than RM10, system will auto close the account. The balance shall be treated as the service charge. Half Yearly Service Charge RM10.00 if monthly average balance is less than RM1,000 in the preceding 6 months Cheque Book • Stamp Duty • Cancellation of Long Outstanding Uncollected Cheque Book after issuance of reminder • RM0.15 per piece • RM20.00 per cheque book Cheque Returned • due to insufficient funds • due to technical reasons • due to postdated (inward returned) • RM150 per cheque • No charge • RM10.00 (on payee’s account) Delivery Of Inward Returned Cheque Upon Request *RM10.00 (by courier) Reclearing Of Cheques *RM50 per cheque Stop Payment Cheque • Upon instruction • Due to lost of cheque book Upon Presentation Of Cheque • if sufficient funds • if insufficient funds • RM10.00 per cheque • RM10.00 per instruction (with police report) • RM10.00 per cheque • RM100 per cheque Early Closure Of Current Account • Within 3 months of opening RM20 Cheque Processing Fee RM 0.50 per piece Encashment Of Cheque By The Bearer RM2.00 per cheque (charged to drawer's account) Mandate Form • Stamp Duty • Service Charge • RM10 • RM10.00 Statements Request RM2.00 per page regardless of the statement period Photocopies Of Cheques, Pay-in-Slips, Advices And Cheque Images RM10.00 per copy Dormant Account (account with no activity / transaction for 6 months) RM10.00 annually Transfer Of Fund Via Standing Instruction (SI) • Direct Credit • IBG • Payment Order (Demand Draft) • Penalty charge imposed if fail at 1st attempt • Waived • RM2.00 • RM10.50 • Waived Debit Card Card Type Annual/Issuance Fee Replacement Fee RHB Debit Card-i - RM12 RM12.00 (with 0.5% cash back for overseas transaction) RM15.00 RHB Debit Card-i - RM8 RM8.00 (without cashback) RM12.00 RHB Visa Justice League Debit Card-i Issuance fee: RM15.00 Annual fee: RM12.00 (with 0.5% cash back for overseas transaction) RM18.00 RHB Platinum Debit card-i RM50.00 Waived for the first year.

For the subsequent years, it will be waived subject to RM5,000.00 retail spend per annum or swipe their card a minimum of 5 times in a year. RM15.00 Cheque Book • Stamp Duty • Cancellation of Long Outstanding Uncollected Cheque Book After Issuance Of Reminder • RM0.15 per piece • RM25 per cheque book Cheque Returned • due to insufficient funds • due to technical reasons • due to postdated (inward returned) • RM150 per cheque • No charges • RM10 (on payee’s account) Delivery Of Inward Returned Cheque Upon Request RM10 (by courier) Reclearing of Cheques RM50 per cheque Stop Payment Cheque • Upon instruction • Due to loss of cheque book • RM20 per cheque • RM20 per request (with police report) Upon presentation of cheque • if sufficient funds • if insufficient funds • RM10 per cheque • RM100 per cheque Early Account Limit transfer m banking bca Within 3 months of opening RM20 Cheque Processing Fee RM 0.50 per piece Encashment Of Pre-Printed “A/C Payee Only” Crossing By Third Party RM2 per cheque (charged to drawer’s account) House Cheque Immediate Credit (Individual & SME customers will be exempted) Waived Mandate Form • Stamp Duty • Service Charge • RM10 • RM10 Request For Change Of Signatories / Conditions For Current Account Service Charge = RM10 per account Duplicate Bank Statements • Within 1 year from original statement date RM10 per request plus RM2 per page • Above 1 year from original statement date RM20 per request plus RM2 per page Duplicate Or Photocopies Of Cheques, Pay-In-Slips, Advices And Cheque Images RM10 per document Dormant Account (no activity for 6 months) RM10 annually Intra Bank Fund Transfer (Other than payroll) RM5 Transfer of Fund Visa Standing Instruction • Direct Credit • IBG • Payment Order • Waived • RM2 • RM15.50 RHB Islamic Debit Card Fee Card Type Annual Fee (RM) *Replacement Card Fee (RM) Debit Card‑i 12 15 Debit Card‑i (Generic) 8 12 Islamic Platinum Debit Card‑i 50* 15 * Waived for the first year.

For the subsequent years, it will be waived subject to RM5,000.00 retail spend per annum or swipe their card a minimum of 5 times in a year. Asset Backed Financing Restructuring / Rescheduling RM230 including stamp duty. If it involves registrable vehicles, any charges payable to JPJ and runners shall be billed at cost. Assignment of Agreement RM230 including stamp duty.

If it involves registrable vehicles, any charges payable to JPJ and runners shall be billed at cost. Reimbursement of stamp duty Standard Documents • IHP/HP Agreement • Personal Guarantee • Joint & Several Guarantee • Corporate Guarantee • Novation Agreement • RM20 (Stamp duty for 2 copies) • RM20 (Stamp duty for 2 copies) • RM20 (Stamp duty for 2 copies) • RM20 (Stamp duty for 2 copies) • RM10 (Stamp duty for 1 copy only) Additional Documents due to certain terms and conditions imposed • Repurchase Agreement • Assignment of Purchase Agreement • Standing Instruction • Letter of Set-Off • Supplement Agreement • Variation Agreement • Deed of Assignment • Subordination of director loan • RM20 (Stamp duty for 2 copies) • RM20 (Stamp duty for 2 copies) • RM10 (Stamp duty for 1 copy only) • RM10 (Stamp duty for 1 copy only) • RM20 (Stamp duty for 2 copies) • RM20 (Stamp duty for 2 copies) • RM20 (Stamp duty for 2 copies) • RM20 (Stamp duty for 2 copies) Additional documents required for opening of L/C • Personal Guarantee • Joint & Several Guarantee • Corporate Guarantee • RM20 (Stamp duty for 2 copies) • RM20 (Stamp duty for 2 copies) • RM20 (Stamp duty for 2 copies) Hire Purchase-i (Fixed Rate)/ Vehicle Financing-i (Variable Rate) Fees and Charges Amount (Inclusive but not limited to ST) HP Agreement RM10.00 per agreement for stamp duty Supplementary HP Agreement RM 20.00 per agreement for documentation and stamp duty Variation on HP Agreement upon request RM 10.00 per agreement for stamp duty Postal charges • RM 3.10 for account without guarantor • RM 6.20 for account with 1 guarantor • RM 9.30 for account with 2 guarantors Road tax renewal RM 10.00 per transaction Redemption statement (as requested by third party) RM 30.00 per request Discharge and release letter by third party (as requested by third party) RM 30.00 per request FIS Data Reference (FIS) charges RM 4.20 per transaction Request for retrieval and copy of documents limit transfer m banking bca Additional HP statement • Issuance of letter of consent for transfer of vehicle from East Malaysia to West Malaysia and vice versa • Issuance of letter of undertaking for insurance/ takaful claim • Audit confirmation per account • Request for copy of HP’s documents RM 22.00 per request Photocopy of HP agreement RM 25.00 per request Equity Home/Property Financing-i Service Charges Processing fee for approved application No charges Redemption statement RM50.00 * Letter of confirmation for EPF withdrawal RM20.00 (with/without documents) * Security document retrieval fee RM20.00 for up to 10 pages * RM50.00 for more than 10 pages * Additional financing statement RM5.00 per page * Restructuring/ Rescheduling No charges Monthly maintenance fee No charges Stamp duty As per the Stamp Act 1949 (Revised 1989) Disbursement Fee Include fees for registration of charge, land search and bankruptcy search.

Legal Fees pertaining to financing documentations Customer is required to pay all legal fees and incidental expenses in connection with the facility (including but not limited to the preparation, stamping and registration of any security documents and the lodgment and withdrawal of caveats).

Provided that the legal firm meets the Bank's minimum criteria, the customer may appoint the customer's preferred legal firm to attend to the preparation of the documentation. However, to avoid any delay in the documentation due to unfamiliarity with the Bank's documentation or process, the appointment of the Bank's panel lawyers is highly encouraged.

Valuation Fees For completed properties only * (Inclusive of service tax and/or any applicable taxes imposed from time to time) Commodity Murabahah Term Financing-i (CMTF-i) for Home/Property Service Charges Stamp duty As per the Stamp Act 1949 (Revised 1989). Disbursement Fees Include fees for registration of charge, land search and bankruptcy search.

Legal Fees on financing documentations You are required to pay all legal fees and incidental expenses in connection with the Banking Facility (including but not limited to the preparation, stamping and registration of any security documents and the lodgement and withdrawal of caveats).

Provided that the legal firm meets the Bank’s minimum criteria, you may appoint your preferred legal firm to attend to the preparation limit transfer m banking bca the documentation. However, to avoid any delay in the documentation due to unfamiliarity with the Bank’s documentation or process, the appointment of the Bank’s panel lawyers is highly encouraged.

Valuation Fees For completed properties only Redemption statement (per account, per request) RM37.20 per transaction */** Letter of confirmation for EPF withdrawal RM20.00 per transaction */** Security document retrieval fee Photocopy of documents: RM 20.00 for up to 10 pages */** RM 37.20 for more than 10 pages */** To view original document: No fees applicable *There will be further courier charge in the event you request for the documents to be delivered to your address.

Additional financing statement request RM 10.00 per request * Restructuring/ rescheduling No charges Processing fee No processing fee Brokerage Fee Waived Monthly Maintenance Fee (Only applicable for CMTF-i for Home/Property (Full Flexi)) RM10.00 (applicable upon full disbursement) * * Subject to upon Customer’s request ** (inclusive service tax and/or any applicable taxes imposed from time to time) Types of Fee : Details of Fee : Stamp duty Nominal amount of RM10.00 (per document) As per the Stamp Duty Act 1949 (Revised 1989) (subject to change that imposed by Government) Brokerage Fee RM30.00 per application Takaful Contribution Varies accordingly to financing amount, Customer’s age and tenor • Bank will inform you within at least 21 calendar days prior to the effective date of implementation should there be any changes in the fees and charges which are applicable to your financing facility.

• Stamp duty, brokerage fee and Takaful contribution will be deducted from the total financing proceeds. Types of Fee : Details of Fee : Stamp duty Nominal amount of RM10.00 (per document) As per the Stamp Duty Act 1949 (Revised 1989) (subject to change that imposed by Government) Brokerage Fee RM30.00 per application Collection Fee 2.0% of monthly payment Takaful Contribution Varies accordingly to financing amount, Customer’s age and payment period • Bank will inform you within at least 21 calendar days prior to the effective date of implementation should there be limit transfer m banking bca changes in the fees and charges which are applicable to your financing facility.

• Stamp duty, brokerage fee and Takaful contribution will be deducted from the total financing proceeds. • 2.0% collection fee already incorporated in the monthly salary deduction. Fees and Charges Description Annual Fees Credit Card-i Type Principal Supplementary RHB World Mastercard Waived Waived RHB Rewards / RHB Rewards Motion Code TM 200.00 Waived RHB Cash Back 70.00 Waived RHB Premier Visa Infinite Waived Waived RHB Shell Visa 195.00 Waived Fixed Management Fees Credit Card-i Type Per Month (RM) Per Annum (RM) RHB World Mastercard 7,500 90,000 RHB Rewards / RHB Rewards Motion Code TM 7,500 90,000 RHB Cash Back 4,500 54,000 RHB Premier Visa Infinite 7,500 90,000 RHB Shell Visa 4,500 54,000 Actual Management Fees On Purchases Description Per Month Per Annum Cardholders who promptly settle their minimum payment due for 12 consecutive months.

1.25% 15% Cardholders who promptly settle their minimum payment due of at least 10 months or more in a 12-month cycle. The 12 months minimum payment due cycle will not apply to new Cardholder.

limit transfer m banking bca

1.42% 17% Cardholders who do not fall within the above categories. 1.50% 18% Note: Each Credit Card-i will be charged with Actual Management Fee (AMF) which is calculated based on your outstanding current balance of the month remaining unpaid after the payment due date immediately following the relevant statement date.

To enjoy lower Management Fee for the transactions, you should make at least 10 prompt payments in the last 12 months. On Cash Advance Cash advance amount will be taken into consideration when calculating the Actual Monthly Management Fee at a fixed rate of 18% per annum calculated on a daily basis from the date of disbursement until payment in full. Note: Management Fee will not be compounded into the next outstanding balances.

However, the amount due will reduce the available limit accordingly and such limit will limit transfer m banking bca reinstated upon full or partial settlement. Balance Transfer/CashXcess/Dial-An-Instalment Balance Transfer (BT), CashXcess (CX) and Dial-An-Instalment (DAI) rates are not fixed and is subject to change. Automatic Balance Conversion (ABC) An auto balance conversion for eligible Cardholder in every 12 months by converting the credit card outstanding balances (with a minimum amount of RM1,000) into a 3 years term financing, at an effective profit rate of 13% per annum.

Cardholder has the flexibility to opt-out from each conversion offer. Kindly refer to www.rhbgroup.com (Islamic Banking Page) for the latest BT rates. Cash Advances Fee 5% of the transaction amount or a minimum of RM15.00, whichever is higher, will be charged on all cash withdrawals. Cardholders can withdraw up to 50% of their available credit limit or such other limit as determined by RHB Islamic Bank at its discretion from time to time.

Late Payment Compensation Fee If the Cardholder fails to pay the Minimum Monthly payment by the Payment Due Date, a minimum of RM10 or 1% of total outstanding balance as at statement date whichever is higher, up to RM100 will be charged and stated in the Monthly Statement.

Overseas Transaction Conversion Fees If a transaction is made in foreign currency, Visa / MasterCard will convert the transaction into a Ringgit Malaysia equivalent at the conversion rate as at the date the transaction is processed by Visa / MasterCard.

In addition, you will also pay administration costs at 1% or at such other rates as shall be determined by us for the conversion of the transactions made in foreign currencies. Over Limit Fee An over-the-limit fee of RM50 will be imposed whenever the Total Outstanding Balance exceeds the approved credit limit, provided that actual management fee incurred, plus over-the-limit fee does not exceed Fixed Management Fee and Customer consents to it upon signing of the Credit Card-i application form.

Card Replacement Fee RM50 per card Sales Draft Retrieval Copy Credit Card-i Type Fee (RM) RHB World Mastercard RM10 per copy RHB Rewards / RHB Rewards Motion Code TM & RHB Cash Back / RHB Premier Visa Infinite / RHB Shell Visa RM20 per copy Monthly Hardcopy Statement Fee RM1.00 per hardcopy statement effective March 2019.

Additional Statement Request Fee RM5.00 per copy Card Service Tax (CST) RM25.00 per Principal & Supplementary card on a yearly basis. CST shall be imposed on the date of new card activation or renewal of the credit card on every twelve months after the date the card is issued or renewed.

Minimum Monthly Payment 5% of the outstanding balance or a minimum of RM50, whichever is higher. Management Fee Free Period 20 days from statement date- if all retail transactions of the previous month are fully paid. Annual/Issuance Fee* RHB Debit Card-i - RM12 RM12.00 (with 0.5% cash back for overseas transaction) RHB Debit Card-i - RM8 RM8.00 (without cashback) RHB Visa Justice League Debit Card-i Issuance fee : RM15.00 Annual fee : RM12.00 (with 0.5% cash back for overseas transaction) RHB Platinum Debit Card-i RM50.00 Waived for the first year.

For the subsequent years, it will be waived subject to RM5,000.00 retail spend per annum or swipe their card a minimum of 5 times in a year. RHB Premier Multi Currency Visa Debit Card-i RM20.00 RHB Multi Currency Visa Debit Card-i RM20.00 ATM Withdrawal Fee* RHB ATM Free Local Bank MEPS RM1.00 per withdrawal.

Waived for Platinum Debit Card-i Foreign Bank MEPS RM4.00 per withdrawal Visa/MasterCard Network RM12.00 per withdrawal Card Replacement Fee RHB Debit Card-i - RM12 RM15.00 RHB Debit Card-i - RM8 RM12.00 RHB Visa Justice League Debit Card-i RM18.00 RHB Platinum Debit Card-i RM15.00 RHB Premier Multi Currency Visa Debit Card-i RM15.00 RHB Multi Currency Visa Debit Card-i RM15.00 Sales Draft Retrieval Fee per copy * RHB Debit Card-i - RM12 RM20.00 RHB Debit Card-i - RM8 RHB Visa Justice League Debit Card-i RHB Premier Multi Currency Visa Debit Card-i RHB Multi Currency Visa Debit Card-i RHB Platinum Debit Card-i RM10.00 Overseas Transaction Conversion Fee 1% of the converted amount.

Fees and Charges Description Annual Fees Card Type Principal RHB Corporate Credit Card-i RM150 Note: No supplementary card applicable for the Corporate Credit Card-i above. Fixed Management Fee Per Month Per Annum RM 7,500 RM 90,000 Note: The Bank will grant a monthly rebate on the difference between monthly Fixed Management Fee against Actual Monthly Management Fees.

Actual Management Fee (AMF) On Purchases Description Per Month Per Annum Companies or cardholders who promptly settle their minimum payment due for 12 consecutive months 1.25% 15% Companies or cardholders who promptly settle their minimum payment due of at least 10 months or more in a 12-month cycle.

The 12 months minimum payment due cycle will not apply to new company or cardholder. 1.42% 17% Companies or cardholders who do not fall within the above categories 1.50% 18% To enjoy lower AMF for the retail transactions, company or cardholder should make at least ten (10) prompt payments in the last twelve (12) months.

Note: • Each of the Corporate Credit Card-i will be charged with AMF which is calculated based on your outstanding current balance of the month remaining unpaid after the payment due date immediately following the relevant statement date. • Management Fee will not be compounded into the next outstanding balances. However, the amount due will reduce the available limit accordingly and such limit will be reinstated upon full or partial settlement. Cash Advance Fee Not available Note: Cash Advance feature/function is not allowed for RHB Corporate Credit Card-i.

Late Payment Compensation Fee If the company or cardholder fails to pay the minimum monthly payment by the payment due date, a late payment charge of 1% of the card account on the outstanding balance or RM10.00, whichever is higher, subject to a maximum of RM100.00 will be imposed and stated in the monthly statement.

Overseas Transaction Conversion Fee If a transaction is made in foreign currency, VISA, will convert the transaction into a Ringgit Malaysia equivalent at the conversion rate as determined by VISA as at the date it is processed by VISA. In addition, you will also pay the administration costs at 1% or at such other rates as shall be determined by us for the conversion of the transactions made in foreign currencies. Any applicable taxes imposed from time to time are applicable for these charges.

Excess Limit Fee A fee of RM50 may be charged limit transfer m banking bca the Total Outstanding Balance exceeds the combined card limit due to excess limit transactions. Card Replacement Fee RM50 per card Sales Draft Retrieval Copy RM20.00 per copy Additional Statement Request Fee RM5.00 per copy Card Service Tax (CST) RM25.00 per principal card on a yearly basis.

CST shall be imposed on the date of new card activation or renewal of the Corporate Credit Card-i on every twelve (12) months after the date the card is issued or renewed. Fees and Charges Description Annual Fees Commercial Card-i Type Principal RHB Corporate Charge Card-i RM150 RHB Purchasing Charge Card-i RM150 Note: No supplementary card applicable for commercial card-i above.

Finance Charges Finance Charges not applicable to Commercial Charge Card-i where outstanding balance must be settled in full by payment due date. Cash Advance Fee Not applicable. Note: Cash Advance feature/ function is not allowed for Commercial Charge Card-i. Fixed Management Fee Per Month Per Annum RM 35,000 RM 420,000 Note: The Bank will grant a monthly rebate on the difference between Fixed Management Fee against Actual Management Fees.

Actual Management Fee (AMF) If the company or cardholder fails to settle the outstanding balance in full by the due date, a minimum fee of RM50.00 or 3.5% of total outstanding balance (whichever is higher) will be charged. AMF is calculated based on the outstanding balance of the month that remains unpaid after the due date immediately following the relevant statement date. AMF will not be charged on fees. Late Payment Compensation Fee Not applicable to Commercial Charge Card-i as charge is based on Actual Management Fee.

Overseas Transaction Conversion Fee If a transaction is made in foreign currency, VISA will convert the transaction into a Ringgit Malaysia equivalent at the conversion rate as determined by VISA as at the date it is processed by VISA. In addition, you will also pay the administration costs at 1% or at such other rates as shall be determined by us for the conversion of the transactions made in foreign currencies.

Any applicable taxes imposed from time to time are applicable for these charges. Excess Limit Fee A fee of RM50 may be charged whenever the total outstanding balance exceeds the combined card limit due to excess limit transactions. Card Replacement Fee RM50 per card Sales Draft Retrieval Copy RM20.00 per copy Additional Statement Request Fee RM5.00 per copy Card Service Tax (CST) RM25.00 per principal card on a yearly basis.

CST shall be imposed on the date of new card activation or renewal of the credit card on every twelve months after the date the card is issued or renewed. No Product Standard Tariff and Charges Letter of Credit-i (LC-i) 1 Issuance 0.1% per month Minimum (Min): RM150 Amendment • Extension of validity date • 0.1% per month Min: RM50 for 1st amendment.

Min: RM100 for subsequent amendment. • Increase in amount • 0.1% per month Min: RM50 for 1st amendment. Min: RM100 for subsequent amendment • Other amendments • Flat: RM50 for 1st amendment. Flat: RM100 for subsequent amendment. Cancellation RM50 flat Overdrawn LC-i 0.1% per month Min: RM50 for 1st overdrawn amount.

Min: RM100 for subsequent overdrawn amount Expired LC-i 0.1% per month Min: RM50 Standby LC-i (SBLC-i) 2 Issuance Rates as per Application for Accommodation (AA) 1.5% per annum, Min : RM100 Standby LC Amendment • Extension of validity date • Rates as per AA 1.5% per annum, Min : RM100 • Increase in amount • Rates as per AA 1.5% per annum, Min : RM100 • Other amendments • Flat: RM50 per request Shipping Guarantee-i (SG-i) 3 • Under our LC • 0.1% flat for first 3 months Min RM100 • Not under our LC • 0.2% flat for first 3 months Min RM200 • If the SG-i is not return for cancellation • 0.1% per month Min RM50 until SG-i is returned for cancellation.

Inward Bills for Collection-i (IBC-i) 4 Collection commission 0.1% flat ,Min RM50 Max RM100 for foreign currency Max RM530 for RM Advising Letter of Credit-i (ALC-i) 5 Advising commission • For Beneficiary's Account • RM50 flat for customer beneficiary RM75 flat for non-customer beneficiary • For Local Applicant's Account • RM50 flat for local LC with customer applicant RM79.50 flat for local LC with non-customer applicant • For Foreign Applicant's account • USD50 flat for Foreign LC Outward Bills for Collection-i (OBC-i) 6 Collection commission 0.1% flatMin RM50 ,Max RM100 Confirmed LC-i 7 Limit transfer m banking bca commission Depending on the country/sovereign risk, the confirmation rate will be charged between 0.1% to 0.2% per month or part thereof • SME customer: Min RM100 • Non SME Customer: Min RM200 Bank Guarantee-i (BG-i) 8 Issuance/ Renewal Commission Issuance: 0.125%, Min RM100 Amendment (on tenor and amount) Amendment: 0.125%, Min RM100 Other amendments RM50 flat per request Handling (Service) Charges for non-standard format RM100 flat Lost BG RM100 flat Claims under BG Handling fee RM50 per claim (to be charged on applicant) Over-the-Counter Bank Guarantee-i (OTCBG-i) 9 Issuance 1.5% per annum, Min RM100 Renewal 1.5% per annum, Min RM100 Amendment (on tenor and amount) 1.5% per annum, Min RM100 Other amendments RM50 flat per request Lost BG RM100 flat Handling Charges for non-standard format RM100 flat Claims under BG Handling fee RM50 per claim (to be charged on applicant) Over-The-Counter LC-i (OTCLC-i) 10 Issuance 0.1% per month or part thereof Min: RM150 (Min USD50 or equivalent if charges are for account of foreign beneficiary) Amendment • Extension of validity date • 0.1% per month Min: RM50 for 1st amendment Min: RM100 for subsequent amendment (Min.USD25 or equivalent if charges are for account of foreign beneficiary) • Increase in amount • 0.1% per month or part thereof for the incremental value Min: RM50 for 1st amendment Min: RM100 for subsequent amendment (Min.USD25 or equivalent per request if charges are for account of foreign beneficiary) • Other amendments • Flat: RM50 for 1st amendment.

Flat: RM100 for subsequent amendment per request Cancellation RM50 flat (exclusive of other miscellaneous charges e.g. swift charges) Expired LC-i 0.1% per month or part thereof from LC-i expiry date to the drawing date of the remaining outstanding balance amount Overdrawn LC-i RM50 (Min USD25 or equivalent if charges are for account of foreign beneficiary) Discrepancy Fee • For documents presented under our LC-i flat(per presentation) • RM50 for RM denominated LC-i • Flat (per presentation) • Equivalent of USD50 for any other foreign currencies) Inward Bills Acceptance Commission • 0.1% per month or part thereof on the usance tenor • Min RM100 If charges are outside Malaysia they are to be borne by applicant as stated in the LC-i terms and conditions • If LC-i in foreign currency, RM2,000 (flat) • If LC-i in RM, RM500 (flat) Transferable LC-i 11 Transfer commission • Transfer of original LC • 0.15% flat on the transfer amount Min RM300 (customer with facility) Min RM500 (customer with no facility) Transfer of amendment RM150 flat Inwards Bills-LC / Usance LC IBC Collection Commission For Local 2nd Beneficiary 0.1% flat Min RM50 Max RM100 for foreign currency Max RM500 for RM For Foreign 2nd Beneficiary Flat USD50 or equivalent.

Payment Handling Fee to 2nd Beneficiary RM25 of equivalent of USD20 for any other foreign currencies Note: To be borne by transferee or 2nd beneficiary and deducted from proceeds. Flexible Trade Financing-i 12 Handling Fee RM50 flat per transaction Trade Solutions-i 13 Handling Fee RM50 flat per transaction Trade Bills Purchased-i 14 Commission 0.1% flat Minimum RM50 Maximum RM100 for foreign currency Maximum RM500 for Ringgit Trade Bills Purchased-i Against LC 15 Negotiation Commission 0.1% flat Minimum RM50 Maximum RM100 for foreign currency Maximum RM500 for Ringgit Payment Fee ( Charged to For non-financing customer/non-customer/Beneficiary) USD50 as per currency bill or equivalent General 16 Postage/Delivery Charges • Local Party • RM2 • Normal mail • RM3 • Registered mail o • Actual courier/transport charges plus RM5 • Courier / hand delivery • Min RM10 Postage/Delivery Charges • Foreign Party • RM3 • Normal mail • RM5 • Registered mail • Actual courier/transport charges plus RM5 • Courier / hand • Min RM10 Telex/SWIFT charges RM10 – RM80 (Depending on destination) Fax charges per page RM2 – RM10 (Depending on destination) Rentas Cable Charge RM3 Foreign Cheques All Currencies Foreign Cheques for Collection & Foreign Cheques Purchased • Stamp Duty • Commission • Postage • RM0.15 • 0.1% (Minimum = RM10, Maximum = RM100) • RM5 In SGD only Foreign Cheques limit transfer m banking bca Collection & Foreign Cheques Purchased • Stamp Duty • Commission • Postage plus Collecting Agent's charges (if any) • RM0.15 • 0.1% (Minimum = RM10, Maximum = RM100) • RM5 Advice of Dishonour (Returned FCC / FCP / TCP) • Stamp Duty • Commission • Postage plus Collecting Agent's charges (if any) • RM0.15 • RM10 • RM5 Service charges / Fees Stamp Duty Cable & Other Charges Mail / Courier Charges Local Demand Draft (in RM) For account holder RM4.85 RM0.15 NA RM0.60 (For Internet Banking Only) For walk in customer RM7.85 RM0.15 Cancellation / Refund RM2.00 Stamp Duty: RM10.00 (on indemnity) Not applicable if the original local Demand Draft is presented for cancellation.

NA NA MIDF/MIH Public Issue For account holder RM2.00 RM0.15 NA NA For walk in customer RM4.85 RM0.15 Foreign Demand Draft (in Foreign Currency) General Less than RM5,000.00 equivalent RM6.00 NA Postage: RM1.00 NA Equal or above RM5,000.00 equivalent RM4.00 Postage: RM1.00 Cancellation / Refund / Stop Payment RM2.00 Stamp Duty : RM10.00 (on indemnity) Not applicable if the original Demand Draft is presented for cancellation Cable Charges : RM10.00 plus Out of Pocket Charges/ Agent Charges NA CRS Drafts USD / CRS Drafts Non-USD (EUR, GBP, HKD & NZD) Less than RM5,000.00 equivalent RM6.00 NA Postage: RM1.00 & Agent Charges: RM5.00 NA Equal or above RM5,000.00 equivalent RM4.00 Cancellation / Refund / Stop Payment On Same Day Issuance only (with physical draft) Service Charge : RM2.00 NA NA NA After Next Day Of Issuance Service Charge : RM2.00 Stamp Duty : RM10.00 (if applicable) Cable Charges: RM10.00 Agent Charges : RM30.00 NA Photocopy Request on Paid CRS Drafts (USD and non USD Drafts) Agent Charges : RM38.00 NA NA NA Foreign Worker Remittance Services Remittance Service • Rupiah • Peso • Taka • Vietnamese Dong • Pakistan Rupee • Indian Rupee • China Note: Individual and SME Customers will be exempted.

Telegraphic Transfer Cable Charges = RM10 Commission = RM2 Bank Draft Less than RM5,000 Commission = RM2 Postage = RM1 RM5,000 or above Commission = waived Postage = RM1 Commercial Banking / Small Medium Industries Restructuring limit transfer m banking bca Rescheduling of Facility Restructuring / Rescheduling of Facility Minimum RM200 per request (Not applicable for SME) Contract Financing Approval for acceptance of new contract / project Minimum RM200 per request Progressive drawdown Minimum RM100 for each drawdown Bridging Financing Progressive drawdown Minimum RM100 for each drawdown Redemption of title / Disclaimer letter RM100 each per request Inspection of Property / Project For drawdown of facility, site inspection for property without valuation report; visit to ascertain progress of project or stage of construction of property Minimum RM100 per visit Kafalah fee of Bank Guarantee-i Kafalah fees will be charged at the actual cost 0.125% per month of the guaranteed amount Other Charges under Financing Confirmation / verification of signatories for Government tender(s) RM10 per confirmation Redemption Statement • 1st issuance • Subsequent issuance • SME • RM100 • RM200 • RM50 Redemption Statement • borrowings account • non-borrowings account • RM100 • RM20 (per confirmation per company) Photocopy of Documents • Up to 10 pages • 10 pages to 50 pages • Each subsequent page • RM20 • RM50 • RM1 Ad-Hoc and General Requests Any administrative and / or operational requests & trade related requests which require further approval by RHB Islamic Bank management.

Examples are: • Temporary OD / excesses • Earmarking of facility • 3rd party utilization • Due diligence confirmation • Acceptance of Government format Letter of Guarantee • Bank Guarantee backdating • Bank Guarantee format variation • Exclusion from debenture / negative pledge • Release of title(s) for subdivision / amalgamation • Amendment / variation to Letter of Offer terms • Letter of Support e.g; for tenders • Approval for dividend payment • Any other request(s) that requires approval Minimum RM50 per request Audit confirmation • RM100 per confirmation per company • RM50 per confirmation per company Credit Checking • CTOS • ROC search via CCM / ROB search via CTOS • CCRIS • RM10 per search • RM20 per search • RM10 per name (Not applicable for SME) Service Charges / Feesservice Charges / Fees Stamp Duty Cable & Other Charges Courier Charges Rentas via Outward Rentas (Over The Counter).

RM5 NA NIL NA Inward Rentas (via direct crediting). NIL NIL Outward Foreign Telegraphic Transfer Less than RM5,000 or equivalent RM2 NA SWIFT RM25 NA Equal or above RM5,000 NIL Cancellation / Refund / Stop Payment NIL Cable : RM10 plus out of pocket expenses Inward Foreign Telegraphic Transfer Payable to an account with RHB Islamic / RHB Bank Berhad RM5.00 NA NA NA Other Charges Stamp Duty on Letter of Indemnity (Current and Savings Account) RM10 Interbank GIRO (IBG) • Over the Counter (OTC) • Internet Banking (normal transfer) • Instant Interbank Fund Transfer (IBFT) • RM2 per transaction • RM0.10 per transaction • RM0.00 per transaction Contractors requiring branches to verify details on tender forms / letter of confirmation / reference etc Standard format = RM15 Freeflow format = RM50 Current and Savings Account • Inter-account funds transfer upon instruction (other than payroll) RM5 per transaction Service Commission/ Service Charges/ Interest Service Charges Current Account (without OD facility) Monthly RM5.00 is levied on account if daily average balance is below RM1,000 Current Account (with OD facility, Basic CA w/o OD facility & RHB Smart Account) Half yearly service charge of RM10.00 is levied if **monthly average balance is less than RM1,000.00 in preceding 6 months **monthly average balance is less than RM1,000.00 in preceding 6 months **Sum of day end balance in the preceding 6 months / number of days MaxCash Account Service charge of RM5.00 for every subsequent withdrawals / debits after meeting the maximum number of no-charge withdrawals / debits within a month as stated below: Limit transfer m banking bca End Balance Band (RM) Number of No-Charge Withdrawals / Debits Up to 20,000 3 Up to 100,000 6 Above 100,000 Unlimited My1 Account RM15.00 annual fee.

Monthly RM5.00 is levied on account if average daily balance is below RM5,000. Cheque Returned • Due to Insufficient funds • Due to technical reasons • Due to post-dated (inward returned) • RM150.00 per cheque • No charges • RM10.00 (on payee’s account) Re-clearing of Cheques • RM50.00 per cheque Stop Payment Cheque • Upon instruction • Due to loss of cheque book Upon Presentation of cheque • If sufficient fund • If insufficient fund • RM20.00 per cheque • RM20.00 per request (with police report) • RM10.00 per cheque/ RM20.00 per cheque for RHB Smart Account • RM150.00 per cheque (for CA & RHB Smart Account) ; RM100.00 per cheque (for RHB Smart Account-i) Cheque Processing fee • RM0.50 per piece Closure of Account • Within 6 months of opening – RM20 • After 6 months of opening – RM10.00 MaxCash Account, RHB Smart Account-i & Basic Current Account • RM20 on account closure within 3 months from the date it is opened.

Intrabank Fund Transfer via instruction (account to account other than payroll services) • RM5.00 per transaction Other Charges Currrent Account Hardcopy Statement Charge • RM1.00/month Cheque Book • Stamp duty • Cancellation of long outstanding uncollected cheque book after issuing of reminder • RM0.15 per piece • RM25.00 per cheque book Service charges on Dormant Account • For dormant account with balances of up to RM10.00, the account is closed and the amount absorbed as a charge • For dormant account with balances more than RM10.00, an annual service fee of RM10.00 is charged until the remaining balances are sent to unclaimed monies.

Audit Confirmation • With facilities • Without facilities • RM100.00 • RM50.00 Mandate Form • RM10 stamp duty • RM10.00 service charges Duplicate Statements i) Within 1 year from original statement date RM10.00 per request plus RM2.00 per page ii) Above 1 year from original statement date RM 20.00 per request plus RM2.00 per page Photocopies of cheques, pay in slips, advices & cheque images • RM10.00 per document Request for changes of signatories/ conditions for Current Account • RM10.00 per account Stamp duty on Letter of Indemnity • RM10 Coins deposit (individual & SME customers will be exempted) • RM3.00 service charge for deposit from RM1,000 to RM3,000 • RM5.00 service charge for deposit more than RM3,000 *Not applicable for Basic Current Account Changing of coins (individual & SME customers will be exempted) • RM8.00 per bag • Loose coins: RM1.00 for every RM50 Third party encashment of Pre-printed “Account Payee Only” crossing cheque • RM2.00 charge to drawer’s account for each third party encashment • Third party encashment on cheque with MICR code 16 is limit transfer m banking bca (Government cheques) Bulk cash deposits (Individual & SME customers will be exempted) • 1 st 1,000 pieces – no charge • Multiple of 1,000 – RM10.00 up to a maximum of RM500 will be limit transfer m banking bca on all accounts.

House Cheque Immediate credit (Individual & SME customers will be exempted) • waived Interest on Overdrawn Amount (TOD) • Min: RM5 • Max: BLR+3.5% Closing of account within 3 months RM 20 Cheque Book • Stamp Duty • Cancellation of Long Outstanding Uncollected Cheque Book after issuing of reminder limit transfer m banking bca RM0.15 per piece • RM25.00 per cheque book Cheque Return • due to insufficient funds • due to technical reasons • due to post dated (inward returned) • RM150 per cheque • No charge • RM10.00 (on payee) Stop Payment Cheque • Upon instruction • Due to lost of cheque book Upon presentation of cheque • if sufficient funds • if insufficient funds • RM20.00 per cheque • RM20.00 per instruction (with police report) • RM10.00 per cheque • RM100 per cheque Dormant Account (no activity for 6 months) RM10.00 annually Duplicate Statements Photocopies of cheques, pay-in-slips, advices and cheque images • Within 1 year from original statement date RM10.00 per request plus RM2.00 per page • Above 1 year from original statement date RM20.00 per request plus RM2.00 per page • RM10.00 per copy Standing Instruction • Over the Counter (OTC) Interbank • RM5.00 per transaction You are about to enter a third party website and RHB Banking Group's privacy policy will cease to apply.

This link is provided for your convenience only, and shall not be considered or construed as an endorsement or verification of such linked website or its contents by RHB Banking Group. RHB Banking Group also makes no warranties as to the status of this link or information contained in the website you are about to access. JAKARTA, KOMPAS.com – Transaksi perbankan semakin mudah dengan menggunakan layanan mobile banking (m-Banking). Sejumlah bank saat ini sudah menyediakan layanan mobile banking, termasuk di antaranya bank BRI.

Bagaimana cara daftar m-Banking BRI (cara mendaftar m-Banking BRI)? Cara daftar m-Banking BRI atau mobile banking BRI cukup mudah dilakukan.

Nasabah tidak harus datang ke kantor cabang karena sudah ada cara daftar m-banking BRI lewat HP yang bisa menjadi pilihan praktis. Bagi nasabah BRI yang ingin menggunakan layanan m-banking, bisa mengunduh apilkasi BRI mobile limit transfer m banking bca BRImo di Google Play Store atau App Store. Setelah itu, nasabah tinggal mengikuti beberapa tahapan.

Baca juga: Inti Masalah Ekonomi dan Faktor yang Memengaruhinya BRImo adalah pengembangan dari aplikasi BRI Mobile yang berkolaborasi dengan mobile banking, internet banking, dan uang elektronik hanya dalam satu menu transaksi. Aplikasi BRImo dibuat untuk memanjakan para nasabahnya dalam bertransaksi keuangan secara online. Dengan menggunakan aplikasi BRImo, nasabah bisa melakukan berbagai transaksi secara lebih cepat dan mudah tanpa harus pergi ke bank.

Ada beberapa fitur yang bisa digunakan di BRImo. Di antaranya adalah pembukaan rekening melalui aplikasi, tarik tunai tanpa kartu ATM, info mutasi sampai dengan 12 bulan, cek saldo rekening, transfer (ke sesama BRI atau antar bank) maupun pembayaran. Selain itu, aplikasi BRImo juga bisa digunakan untuk berbagai macam pembelian seperti pulsa, top up BRIZZI, GoPay, OVO, DANA, LinkAja pembayaran QR dan fitur-fitur menarik lainnya.

Sumber dana limit transfer m banking bca transaksi dapat menggunakan rekening giro atau tabungan. Baca juga: Jokowi hingga Tony Blair Bakal Hadiri Acara Pendahuluan Presidensi B20, Apa yang Dibahas?

Dikutip dari laman promo.bri.co.id, cara daftar BRImo serta aktivasi aplikasi BRImo Mobile Banking BRI terbaru ini sangat mudah. Nasabah bisa mendaftar langsung melalui aplikasi BRImo tanpa harus mendatangi CS di kantor cabang.

Cara daftar m-Banking BRI atau cara daftar BRImo Berikut ini adalah langkah-langkah, atau cara daftar m-banking BRI lewat BRImo bagi calon nasabah yang belum memilik rekening BRI: • Unduh aplikasi BRImo di Google Play Store atau App Store. • Buka aplikasi BRImo, lalu pilih "Buka Punya Akun". • Selanjutnya pilih "Buka Rekening". • Pilih produk tabungan BRI dan kantor BRI yang mengelola rekening.

• Upload foto e-KTP Anda. • Kemudian, isi data utama. • Verifikasi data dan kode verifikasi dikirim ke HP. • Rekam video, foto selfie KTP, foto NPWP dan isi data diri Anda. • Verfikasi tandatangan digital melalui kode token di SMS. • Konfirmasi dan lakukan setoran awal ke nomor BRIVA (Virtual Account) • Notifikasi rekening terbentuk melalui email • Buat username, password, dan PIN untuk akun BRImo (Internet Banking) • Rekening digital Anda telah aktif dan dapat digunakan untuk transaksi finansial di BRImo Baca juga: Dana Abadi Beasiswa LPDP Tembus Rp 99 Triliun DOK.

BRI Cara daftar m-banking BRI dengan mudah lewat aplikasi BRImo tanpa harus ke bank Cara daftar m-Banking BRI atau cara daftar BRImo untuk nasabah lama Adapun langkah-langkah atau cara daftar m-banking BRI lewat BRImo bagi nasabah yang sudah memiliki rekening BRI adalah sebagai berikut: • Unduh aplikasi BRImo di Google Play Store atau App Store.

• Buka aplikasi BRImo, lalu pilih "Buka Punya Akun".

limit transfer m banking bca

• Klik "Daftar". • Masukan data diri untuk verifikasi. • Klik link yang ada di SMS, lalu masukan OTP dari email yang dikirim. • Lakukan 8 detik perekaman wajah. • Tunggu proses lalu masukan OTP untuk verifikasi. • Buat Username dan Password untuk login. • Selanjutnya, lakukan login di aplikasi BRImo.

• Registrasi sukses! Anda sudah bisa bertransaksi lewat aplikasi BRImo. Baca juga: Erick Thohir Beberkan Biang Kerok Tiket Garuda Terkenal Mahal Cara cek saldo BRI di m-Banking BRImo • Buka aplikasi BRIMo di smartphone.

• Masukkan Username dan Password yang diperoleh setelah registrasi. • Pilih “Login”. • Pilih menu “Rekening”. • Layar akan menampilkan informasi total seluruh saldo di rekening. Cara Transfer Lewat BRImo ke sesama BRI • Buka aplikasi BRImo limit transfer m banking bca masukan user id dan juga password. • Pilih menu Transfer. • Cara transfer ke sesama BRI lewat BRImo • Buka aplikasi BRImo. • Masukan Username dan Password, lalu klik “Login”. • Pilih menu “Transfer” • Lalu pilih “Tambah Daftar Baru”.

• Pada bank tujuan, pilih “Bank BRI”. • Masukan nomor rekening tujuan transfer lalu pilih “Lanjutkan”. • Masukan nominal yang akan ditransfer, lalu pilih “Transfer”. • Periksa kembali nomor rekekning BRI tujuan, nama pemilik dan jumlah uang. Jika sudah benar, pilih “Transfer”. • Masukan PIN BRImo Anda.

• Jika berhasil, Anda akan mendapat notifikasi transaksi transfer berhasil. Baca juga: Tunjangannya Rp 127 Juta Per Bulan, Ini Tugas dan Fungsi Sekda DKI Cara transfer antar bank lewat BRImo • Buka aplikasi BRImo.

• Masukan Username dan Password, lalu klik “Login”. • Pilih menu “Transfer”. • Pilih “Tambah Daftar Baru”. • Klik kolom bank tujuan, lalu cari bank tujuan transfer. • Masukan nominal yang akan ditransfer. Lalu pilih “Transfer”. • Periksa kembali data transaksi transfer antar bank Anda. Jika sudah benar, pilih “Transfer”.

• Masukan PIN Brimo Anda. • Akan muncul pesan transaksi sedang diverifikasi. • Jika berhasil, Anda akan mendapat notifikasi transaksi transfer berhasil. Dok. BRI Cara daftar m-banking BRI dengan mudah lewat aplikasi BRImo tanpa harus ke bank Cara aman transaksi di aplikasi BRImo • Unduh atau update aplikasi BRImo di Google Play Store maupun App Store.

• Gunakan jaringan internet yang aman (hindari wi-fi publik). • Jangan gunakan User ID dan Password yang mudah ditebak. • Hindari pemakaian tanggal lahir untuk PIN BRImo. • Rahasiakan User ID, Password & PIN Anda dari orang lain.

• Ubah Password & PIN secara rutin. • Periksa mutasi rekening secara rutin. • Aktifkan SMS Notifikasi di kantor BRI terdekat. • Pastikan Log Out sempurna saat selesai memakai BRImo. Baca juga: Dukung Jurnalisme Nasional, BRI Salurkan Beasiswa kepada Insan Media Limit transfer m banking bca informasi seputar cara daftar m-banking BRI atau cara daftar BRImo dengan mudah lewat HP tanpa harus ke kantor cabang.

Aplikasi BRImo bisa digunakan bagi nasabah yang ingin mendapat kemudahan dalam bertransaksi.
• Prospective customer is an individual. • Available for individual customers (Indonesian citizens and foreigners) with a valid ID card.

• Fill and sign account opening form for Tahapan Xpresi. • Account opening is not subject to stamp duty fee. • Bring all necessary documents. Limit transfer m banking bca of Customers Document Adult individuals (≥ 17 years old) ID card Resident Permit (KITAS/KITAP), for foreigners NPWP*, for Indonesian Citizens Minors represented by a parent (< 12 years old) Parent’s ID card Parent’s NPWP Child’s birth certificate/Family Card/Child’s ID card Minors represented by a legal guardian (< 12 years old) Guardian’s ID card and NPWP Letter of Appointment of Guardians from the District Court Unrepresented minors (12- <17 years old) ID card Student card/Statement letter from school/ID card, for Indonesian Citizens Passport/ID Card, for foreigners Parent’s ID card and NPWP Parent’s Statement Letter *Note: If the Customer does not/does not yet possess an NPWP, it can be replaced with a statement letter of not owning an NPWP.

For inquiries and complaints: Key Features of Tahapan Xpresi: • Available in Rupiah. • Minimum reserved balance of Rp10.000 • No minimum monthly average balance. • Competitive interest rates. For details on interest rates, see the “Fees, Limits, and Interest Rates”. • The guaranteed interest rates adhere to the prevailing interest rates on Deposit Insurance Corporations (LPS) webpage.

• Account statement will be sent in the print form and/or e-statement (direct download from BCA channel that you have). Benefits • Provided with the Xpresi card. • Cash withdrawals at thousands of ATM BCA Network, ATM Prima Network, and the “Cirrus” ATM network around the world. • Customers can apply for savings account facilities such as internet banking, mobile banking BCA, info services via Email, and phone banking.

• Guaranteed security, PIN for ATM BCA, m-BCA, and Key BCA allows for a safe and comfortable transaction. Risks • LPS does not guarantee your savings, if: • The amount of all savings (including interest) at one bank exceeds (equal to) Rp2 billion for both single and joint accounts. • The interest rate applicable exceeds the LPS-guaranteed interest rate.

• Interest rates fluctuation may occur following market developments. • If the remaining balance in the customer account is zero and there are no transactions for 12 consecutive months, the account will be automatically closed.

Simulation: Tahapan Balance Interest Rate per Annum According to Balance* Nominal Monthly Interest Rate** Rp 20,000,000 0.01% Rp 131.51 Note: *Interest rates may change at any time according to market conditions, which will be notified through BCA information facilities.

**Nominal Interest Rate = gross interest before tax according to the prevailing regulations (Assuming 1 month = 30 days and 1 year = 365 days) • Interest will be credited at the end of the month.

• If interest rates decrease, nominal interest received will also decrease. • It is not available for joint account. • To close a savings account, customers can visit the branch where the account was opened and an account closing fee will be charged.

• The Bank is required to notify all changes to the benefits, costs, risks, terms, and conditions of these Products and Services by mail or through other means pursuant to the prevailing terms and conditions. Such notification will be made 30 days prior to the effective date. • For every offer and subscription of other products, BCA will first ask the customer for approval to provide customer data to third parties.

• Information about fees, benefits, and risks is available on bca.co.id. Disclaimer (important note) • The Bank may reject the application for savings product if they do not fulfil the applicable terms and conditions. • The customer has read and understood the savings product according to the Product Summary. • This Product Summary is not part of the application for opening a Tahapan Xpresi account. • Customers are required to read, understand, and sign the application for opening a Tahapan Xpresi account.

• Information included in the Product Summary is valid until the new amendment related to the BCA Savings in this Product Summary is made. • Customers are required to carefully read this Product Summary before agreeing to the opening of Tahapan Xpresi. Customers may rightly ask a Bank employee or call Halo BCA at 1500888 for any inquiries or complaints related to the Product Summary.

• Income Tax Fee: 20% of the nominal interest. • Every customer who makes a large cash withdrawal (with a value more than or equal to Rp100,000,000) is required to a 1-day notice.

Failure to give such notice, the customer will be charged a fee of Rp100,000 • Monthly administration limit transfer m banking bca of Rp7,500 • Interbank transaction fees at each ATM Network: Types of Transaction ATM BCA Prima & GPN Mastercard Balance Check Free Rp4,000 Rp5,000 Cash Withdrawal Free Rp7,500 Rp25,000 Interbank Transfer Rp6,500 Rp6,500 - Rejected Transaction Free Rp3,500 Rp5,000 • Remittance fees between banks are as follows: Description Online LLG RTGS Via Cabang BCA - Rp2,900 Rp30,000 Via BCA mobile Rp6,500 - - Via Internet Banking Rp6,500 Rp2,900 Rp25,000 Note: remittance cancellation will incur a fee of Rp10,000 • Transfer fees between BCA accounts in another city or with a note via a BCA branch office are subject to a fee of Rp2,000 • See Outward Remittance (OR) fees on www.bca.co.id ( link to Fees & Limits of Outward Remittance page).

• Account closing fee: Rp10,000 • Limit transfer m banking bca manufacturing/replacement fee: Rp25,000 Description Limit Cash Deposit 6) Rp.30.000.000 Transfer between BCA Account 3) Mastercard/GPN Selain Mastercard dan GPN Rp.25.000.000 Rp.25.000.000 Transfer between BCA Account (IDR - FC) via ATM 7) Mastercard/GPN Selain Mastercard dan GPN Rp.15.000.000 Rp.15.000.000 Cash Withdrawal via ATM 1) Rp.7.000.000 Inter-bank transfer of switching network participants via ATM Rp.

10.000.000 Las update: 31 August 2021 1) Limit of cash withdrawal transactions using ATM card or Cardless service in BCA mobile is a combined limit 2) Transfer Transaction Limit is a combined limit with transfer limit at m-BCA 3) This limit limit transfer m banking bca separate with transfer limit IDR 4) Debit BCA payment limit becomes one with cash withdrawal at merchant and Flazz Top up at EDC (separate from atm cash pick-up limit) 5) Limit of cash deposit transactions using ATM card or Cardless service in BCA mobile is a combined limit 6) Valid from 7 July 2021 - 31 January 2022 TERMS AND CONDITIONS FOR TAHAPAN XPRESI PT BANK CENTRAL ASIA Tbk (“BCA”) A.

DEFINITIONS • Depositor means an individual who owns an identity card in accordance with the applicable law and who has opened a TAHAPAN XPRESI account at BCA. • PASPOR BCA Card means a card issued by BCA that can be used by the holder of the PASPOR BCA card to conduct Certain Limit transfer m banking bca through BCA Automatic Teller Machine (ATM) and/or other facilities as determined by BCA.

• Certain Transaction means a transaction that can be conducted by the Depositor through BCA ATM and/or other facilities as determined by BCA such as deposit, cash withdrawal, funds transfer, payment, and balance information. • PASPOR Xpresi Card means a PASPOR BCA Card specifically issued as a facility for the TAHAPAN XPRESI account. B. GENERAL TERMS AND CONDITIONS • TAHAPAN XPRESI Depositor means an individual who owns an identity card in accordance with the applicable law (hereinafter referred to as the "Depositor”).

• Potential Depositors must open the TAHAPAN XPRESI account by themselves or they may also limit transfer m banking bca represented by their parents or guardians in accordance with the applicable provisions at BCA. The TAHAPAN XPRESI account can only be opened in the form of a single account (it cannot be opened in the form of a joint account).

• Once the TAHAPAN XPRESI account has been opened, BCA will issue a PASPOR Xpresi Card either with a national payment gateway logo (Gerbang Pembayaran Nasional) and/or with the Mastercard logo, in the following card types: Pre-Printed PASPOR Xpresi Card, Photo-bearing PASPOR Xpresi Card, or a Multi-design PASPOR Xpresi Card of the Depositor’s choice.

• The image on the PASPOR Xpresi Card is only intended for aesthetic or decoration purposes and will not be used for verification purposes when the Depositor conducts a transaction. All images to be displayed on the PASPOR Xpresi Card at the request of the Depositor, including photographs, are subject to the following provisions.

• Not containing any pornographic elements. • Not violating the general rules morals and decency or the intellectual property rights of others. • If there is an indication that the image on the PASPOR Xpresi Card violates the restrictions specified in items a) and b) above, BCA has the right to require the Depositor to replace the image on his/her PASPOR Xpresi Card. All consequences arising from such violations shall be the liability of the Depositor.

• The PASPOR Xpresi Card is issued only for the benefit of the Depositor and must not be transferred to other persons in any way. All consequences arising from any misuse of the PASPOR Xpresi Card shall be the sole liability of the Depositor. • The PASPOR Xpresi Card must not be used for purposes other than to conduct a Certain Transaction.

• The parent or guardian that opens a TAHAPAN XPRESI account in the capacity as the parent or guardian of a minor is fully liable for the use of the PASPOR Xpresi Card provided by BCA, including in the event of any misuse of such PASPOR Xpresi Card.

• Every time the Depositor uses the PASPOR Xpresi Card, the Depositor will be requested to enter a Personal Identification Number (PIN) or put a signature (only for Certain Transactions on the Electronic Data Capture (EDC) machine at overseas merchants that only conduct transaction verification in the form of signatures).

The Depositor must keep the confidentiality of the PIN and OTP (One Time Password) sent to the Depositor’s registered mobile number.

The OTP is only required for certain transactions, including an online debit transaction for which the merchant requires the Depositor to enter the OTP. The Depositor must not disclose his/her PIN and/or OTP to any other persons. All consequences arising from any misuse of the PIN and/or OTP shall be the sole liability of the Depositor.

• The use of the PIN on BCA Automated Teller Machines (ATMs), other banks’ ATMs through a switching service provider’s network such as Prima and/or Cirrus, BCA Electronic Data Capture (EDC) machine, or another party's EDC machine through the Maestro/MasterCard network has the same legal force as a written instruction signed by the Depositor.

• If the PASPOR Xpresi Card is stolen or lost, the Depositor must immediately provide BCA with a written notice of such theft or loss. The notice must be made and signed by the Depositor in the form and substance satisfactory to BCA and submitted to a BCA Branch Office during BCA business hours. If the Depositor is unable to come to the BCA Branch Office, the notification can be made through Halo BCA.

• Any notice of theft or loss of the PASPOR Xpresi Card, whether submitted to a BCA Branch Office or provided via Halo BCA, will be followed by a blockage by BCA of the relevant TAHAPAN XPRESI account. The account will remain blocked by BCA until BCA receives a written request from the Depositor limit transfer m banking bca release the blocked TAHAPAN XPRESI account.

As long as the notice of theft or loss has not been received by BCA, any Certain Transactions made using the stolen or lost PASPOR Xpresi Card shall be the sole liability of the Depositor. • The written request to release the blocked account linked to the stolen or lost PASPOR Xpresi Card can be submitted by the Depositor to a BCA Branch Office.

BCA has the right to verify the identity of the Depositor when the Depositor requests the release of the blocked TAHAPAN XPRESI account. • BCA will not process any transaction involving the TAHAPAN XPRESI account whose PASPOR Xpresi Card has been reported lost by the Depositor to BCA. To conduct transactions again with the TAHAPAN XPRESI account, the Depositor can apply for a replacement of the PASPOR Xpresi Card at all BCA Branch Offices, except for the replacement of a Photo-Bearing Passpor Xpresi Card or a Multi-Design PASPOR Xpresi Card, which can only be done at certain Branch Offices.

• The Depositor holds BCA harmless against all claims, lawsuits, and/or other legal proceedings and for any losses arising from the forgery of a PASPOR Xpresi Card that is not caused by BCA’s fault. • BCA reserves the right to block the Depositor’s TAHAPAN XPRESI account, reject any transaction involving the Depositor, and/or terminate the business relationship with the Depositor if: • the Depositor fails to comply with the prevailing law; • the Depositor fails to provide any information and supporting documents in accordance with the prevailing law; • the Depositor is known to have used and/or reasonably suspected of using false documents and/or providing incorrect data to BCA; • the Depositor provides questionable information; and/or • the Depositor’s source of transaction funds is known to emanate from and/or reasonably suspected of emanating from a crime.

• To get details about the transaction history of a TAHAPAN XPRESI account, the Depositor can make an inquiry through KlikBCA Individual or m-BCA, or through other facilities in accordance with the provisions applicable at BCA. • If there is a discrepancy between the balance in the TAHAPAN XPRESI account and the balance on record with BCA, the balance or records held by or recorded at BCA will prevail, unless proven otherwise.

• The Depositor must pay all charges and fees arising in connection with the opening of the TAHAPAN XPRESI account, including but not limited limit transfer m banking bca the PASPOR XPRESI Card production/replacement fee, the administration fee, the transaction fee, as well as any other charges and fees.

The amount of such charges and fees including any changes thereto will be notified to the Depositor by BCA in any form and by any means.

Such charges and fees will be debited directly by BCA from the Depositor’s TAHAPAN XPRESI account. • The Depositor must notify BCA in writing of any changes to the Depositor’s data. • The Depositor hereby authorizes BCA to provide the Depositor‘s data to any party other than BCA that has entered into a cooperation agreement with BCA, for promotional activities or other commercial purposes.

• BCA will offer certain products/services provided by both BCA and any party other that has entered into a cooperation agreement with BCA via personal communication channels.

If the Depositor refuses to get such offer, the Depositor can contact Halo BCA. • If the Depositor later applies for such facilities as m-BCA, KlikBCA, SMS BCA, and/or other facilities associated with the TAHAPAN XPRESI account (if any), the Depositor hereby agrees to be bound by the terms and conditions for such m-BCA, KlikBCA, SMS BCA, and/or other facilities associated with the TAHAPAN XPRESI account as may be used by the Depositor.

• Tahapan Xpresi Account will be automatically closed by the system if the balance in the account is 0 (zero balance), and no debit limit transfer m banking bca credit transactions were made in said account for 12 (twelve) consecutive months. • As long as the Depositor (including any one or more parties collectively opening the TAHAPAN BCA joint account) still has outstanding debts of any nature to BCA under any credit facility, L/C, bank guarantee or guarantee provided by the Depositor ( borgtocht), interest, facility fee ( provisi), Cheque/Bilyet Giro book charges, stamp duty, draft, letter of acceptance or other commercial papers signed by the Depositor as an acceptor, endorser, or drawer, guarantor or as a consequence of the use of a credit card or any other fees or obligations arising from anything whatsoever, BCA is entitled, and to the extent necessary is hereby authorized by the Depositor to debit the Depositor’s account and apply the proceeds to repay any amounts at any time owing to BCA.

Any consequences arising from the debiting of the TAHAPAN XPRESI account under the power granted by the Depositor shall be the sole responsibility of the Depositor. • BCA has the right to rectify the balance of the Depositor’s account in the event of any mistake by BCA in inputting the relevant data. • The TAHAPAN XPRESI will be automatically closed by the system if the balance in the account is IDR 0 (zero rupiah), and no debit and credit transactions were made in said account for 12 (twelve) consecutive months.

• The closure limit transfer m banking bca a TAHAPAN XPRESI account must be done by the Depositor at the BCA branch office where the TAHAPAN XPRESI account is opened, and the Depositor must present the Depositor’s original and valid ID card, the PASPOR Xpresi Card, and other supporting documents (if applicable) according to the provisions applicable at BCA. • The closure of a TAHAPAN XPRESI account will be subject to an account closing fee. The fee amount for closing the TAHAPAN XPRESI account and any changes thereto will be notified by BCA to the Depositor in any form and by any means in accordance with the applicable law.

• Any TAHAPAN XPRESI account that is closed during a lucky draw period is not eligible for the lucky draw program held by BCA (if any). • All data connected with the TAHAPAN XPRESI account will be held and stored by BCA in accordance with the prevailing law. • The Depositor’s funds at BCA are guaranteed by the Indonesia Deposit Insurance Corporation ( Lembaga Penjamin Simpanan, or “LPS”) to the extent of the maximum limit stipulated by the LPS.

The LPS does not guarantee any deposit with interest at the rate exceeding the maximum interest rate stipulated by the LPS. • For a funds transfer between BCA accounts or to an account at another bank (interbank funds transfer) through BCA’s electronic banking facility or another bank’s ATM, the Depositor hereby authorizes BCA to: • display the Depositor’s name and/or account number on the screen of BCA’s electronic banking facility • provide the Depositor’s name and/or account number to such other bank to be displayed on the screen of such other bank’s ATM.

The display of the name and/or account number as described in items a and b above is intended as a means of seeking confirmation from the remitting customer to minimize the possibility of the remitting customer transferring to a wrong account.• The Depositor hereby authorizes BCA to provide the Depositor‘s data to a paying bank in order to enable the paying bank to make payment to the designated recipient with regard to the Depositor's remittance transaction.

• The Depositor hereby acknowledges that all records, printouts, recordings, communication media, or other evidence of any nature held by BCA in connection with the electronic banking transactions conducted by the Depositor constitute valid and conclusive evidence binding on the Depositor, unless proven otherwise.

The data connected with the electronic banking transactions conducted by the Depositor will be stored by BCA in accordance with the prevailing law. • By opening the TAHAPAN XPRESI account, the Depositor is bound by and agrees to the terms and conditions for TAHAPAN XPRESI, including the provisions and rules governing all the services/facilities and transactions covered by the PASPOR Xpresi Card.

BCA may at any time amend any provisions concerning the TAHAPAN XPRESI account, and such amendment will be notified by BCA in any form and by any means in accordance with the prevailing law. C. DEPOSITS AND WITHDRAWALS • The amounts of initial and subsequent deposits into the TAHAPAN XPRESI account shall subject to the provisions applicable at BCA, which will be notified by BCA in any form and by any means in accordance with the prevailing law.

• Deposits can be made at any time through the teller counter during BCA business hours or through a cash deposit machine and/or through other facilities as determined by BCA. • Deposits in forms of Cheques, Bilyet Giro, drafts, and other instruments of similar nature will be credited to the TAHAPAN XPRESI account on the same day such instruments are received, but the credited amounts do not constitute good funds ( dana efektif) that can be readily used or withdrawn by the Depositor (floating).

The status of good funds in the TAHAPAN XPRESI account is dependent on the clearing result from Bank Indonesia and time of the clearing process (same day, next day or two days) as applicable to limit transfer m banking bca BCA Branch Office.

For incoming remittance transactions, funds will be credited to the TAHAPAN XPRESI account once the amounts have been received by BCA in good funds. • In the event of any rejection of a Cheque, Bilyet Giro, Draft and other instruments of similar nature, BCA has the right to recover the credited amounts by debiting the Depositor’s TAHAPAN XPRESI account in the amount of the rejected Cheque/ Bilyet Giro/ Draft and other instruments of similar nature.

• If any of the instruments described above is rejected by the issuing bank, the rejected instrument can be collected by the depositor within 30 (thirty) calendar days of the rejection date. If the depositor fails to collect the rejected instrument within such period, BCA is not responsible for any consequences arising from the Depositor’s failure to collect the rejected instrument.

• If the Depositor requests BCA to make a collection ( inkaso) of an instrument from the relevant issuing bank, Limit transfer m banking bca has the right to appoint a correspondent bank to carry out the collection.

Any failure or delay by such correspondent bank in conducting the collection with the issuing bank or transferring the proceeds thereof to BCA as well as any loss arising from the collection process shall be the sole responsibility of the Depositor. • Cash withdrawals or funds transfers from a TAHAPAN XPRESI account can be made through BCA ATM or through other facilities as determined by BCA in accordance with the provisions applicable at BCA.

BCA is not responsible for any damage to and/or failure of BCA ATMs and/or other facilities due to causes beyond BCA’s control.

• The Depositor will be charged a certain fee for the cash withdrawal and funds transfer conducted at the teller counter. The amount of such fee will be notified by BCA to the Depositor from time to time in any form and by any means in accordance with the prevailing law.

• Whenever the Depositor makes a cash withdrawal or a funds transfer at the teller counter, BCA has the right to carry out PIN verification and/or any other verification procedure (if necessary) in accordance with the provisions applicable at BCA.

BCA has the right to refuse to process the withdrawal or funds transfer if the Depositor cannot be verified according to limit transfer m banking bca provisions applicable at BCA. • Cash withdrawals or funds transfers by the Depositor’s attorney-in-fact can be made at a BCA Branch Office and the Depositor’s attorney-in-fact must present a duly fiscal-stamped power of attorney from the Depositor as well as the Depositor’s identity card and the attorney-in-fact’s original identity card.

D. CALCULATION AND PAYMENT OF INTEREST limit transfer m banking bca The TAHAPAN XPRESI account pays interest calculated based on the monthly average balance. • Interest will be paid at the end of the relevant month and will be directly credited or added to the balance of the Depositor’s account on record with BCA.

• The interest rate will be determined by BCA. BCA has the right to change the interest rate at limit transfer m banking bca time and will notify the Depositor of such change in any form and by any means in accordance with the applicable law. • Any interest income shall be subject to tax in accordance with the prevailing tax law, and the tax shall be borne by the Depositor.

E. PROCEDURE FOR PASPOR XPRESI CARD Use of PASPOR Xpresi Card • The PASPOR Xpresi Card can be used by the Depositor to limit transfer m banking bca the following transactions: • making deposits via a cash deposit machine; • making cash withdrawals through BCA ATMs, another bank’s ATMs, including ATMs with Prima and Cirrus networks. For PASPOR Xpresi Cards with a national payment gateway logo ( Gerbang Pembayaran Nasional), cash withdrawals through ATMs of other banks can only be made at ATMs that are connected to the network that can accept such ATM Card and/or debit Card with a national payment gateway logo ( Gerbang Pembayaran Nasional); • making a funds transfer between BCA accounts and to other banks (inter-bank funds transfer) in Rupiah currency through BCA ATMs, and other banks’ ATMs using the Prima ATM network and other switching service provider networks; • making a remittance to a United States Dollar (USD) / Singapore Dollar (SGD) account through BCA ATMs or remittances in any other currency as may be determined by BCA; • paying various bills/installments and purchasing mobile credits through BCA ATMs; • making purchases with Debit BCA through BCA EDC machines and other parties' EDC machines via the Maestro/MasterCard network.

For PASPOR Xpresi Cards with a national payment gateway logo ( Gerbang Pembayaran Nasional), purchases with Debit BCA through the EDC machines of other banks can only be made using the EDC machines that are connected to the network that can accept ATM Cards and/or debit cards with a national payment gateway logo ( Gerbang Pembayaran Nasional); • making cash withdrawals at merchants showing the “Tunai BCA” sticker; • making online debit transactions through the Mastercard network, only for holders of PASPOR Xpresi Cards with the Mastercard logo • changing a PIN at a BCA ATM and/or a BCA Limit transfer m banking bca ATM; and/or conducting other transactions as may be determined by BCA through the teller counter, BCA ATM, BCA Non-Cash ATM and/or other facilities as may be determined by BCA.

• Below is the procedure or manual for using the PASPOR Xpresi Card on BCA ATMs and/or BCA Non-Cash ATMs. • insert the PASPOR Xpresi Card; • enter the PIN. If the Depositor enters the wrong PIN 3 (three) times in a row, the PASPOR Xpresi Card will be blocked. The Depositor can request BCA to unblock the PASPOR Xpresi Card at a BCA Branch Office by taking the relevant PASPOR Xpresi Card and his/her original ID card to the bank officer; • select the desired type of transaction.

• Below is the procedure or manual for using the PASPOR Xpresi Card on EDC machines. • insert the PASPOR Xpresi Card; • check the transaction amount appearing on the screen of the EDC machine; • enter your PIN limit transfer m banking bca affix your signature (only for Certain Transactions at overseas merchants that only conduct transaction verification in the form of signatures). If the Depositor enters the wrong PIN 3 (three) times in a row, the PASPOR Xpresi Card will be blocked.

The Depositor can request BCA to unblock the PASPOR Xpresi Card at a BCA Branch Office by taking the relevant PASPOR Xpresi Card and his/her original ID card to the bank officer; • Below is the procedure or manual for using the PASPOR Xpresi Card with the Mastercard logo for online debit transactions.

• enter the number of the PASPOR Xpresi Card bearing the Mastercard logo, its expiry date, and CVV (Card Verification Value) number into the merchant's application/website; • for merchants that require an OTP, the screen of the merchant's application/website will show an instruction to enter the OTP, and the Depositor must enter the OTP sent to the mobile number previously registered by the Depositor for the purpose of verifying online debit transactions.

The Depositor must maintain the confidentiality of the OTP and must not notify the OTP to any other party; • continue the transaction as directed on the merchant's application/website. Replacement of PASPOR Xpresi Card • If the PASPOR Xpresi Card is damaged or lost, the Depositor may request a new PASPOR Xpresi Card at any BCA branch office. The replacement of a Photo-bearing PASPOR Xpresi Card or a Multi-design PASPOR Xpresi Card can only be done at certain BCA Branch Offices.

• If the Depositor requests the replacement of his/her PASPOR Xpresi Card for reasons other than a loss, the Depositor must show the PASPOR Xpresi Card to BCA. E. COMPLAINTS HANDLING • Any complaints to BCA in connection with the TAHAPAN XPRESI account may be lodged by the Depositor with any BCA branch office or with HALO BCA.

For the purpose of handling a complaint, BCA may ask the Depositor to provide BCA with a copy of the Depositor’s identity card and other supporting documents. • BCA will respond to such complaint in accordance with the prevailing law.

• Any complaints relating to the TAHAPAN XPRESI account must be lodged by the Depositor with BCA within no later than 3 (three) months of the transaction date.

F. DISPUTE RESOLUTION • The Depositor agrees that any dispute or difference of opinion arising from and/or in connection with the implementation of these Terms and Conditions for TAHAPAN XPRESI of PT BANK CENTRAL ASIA Tbk (“BCA”) will be resolved in limit transfer m banking bca amicable manner. • Any dispute or difference of opinion that cannot be amicably resolved between the Depositor and BCA will be resolved through banking mediation facilities 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 stipulated by the Financial Services Authority.

• Any dispute or difference of opinion that cannot be resolved in an amicable manner and/or by means of mediation as described in item 2 above will 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. IMPORTANT: THE DEPOSITOR IS PROHIBITED FROM STORING OR LEAVING THE DEPOSITOR’S PASPOR XPRESI CARD WITH BCA The Depositor hereby confirms that the Depositor fully understands and agrees to the Limit transfer m banking bca and Conditions for TAHAPAN XPRESI of PT BANK CENTRAL ASIA Tbk ("BCA") as described above and that BCA has provided sufficient explanation and sought the Depositor’s confirmation of his/her understanding of the benefits, charges and fees, and risks associated with the TAHAPAN XPRESI account These Terms and Conditions for TAHAPAN XPRESI of PT BANK CENTRAL ASIA Tbk (“BCA”) have been adjusted to ensure compliance with the prevailing laws and regulations including Regulations of the Financial Services Authority • Email can not empty • You entry wrong email format • You are succesfully subsribed • Your Email already registered • sukses-berlangganan • {4E1AEB72-79F6-4CDE-A899-68E905292FB9} • https://www.bca.co.id/en/Individu/Produk/Simpanan/Tahapan-Xpresi • {818BD8D3-2DFE-4F64-AAF5-9856B05BCB56} • {92D5CF2E-721B-4CCE-B39F-D0A94499EA88} • 24 Anda akan meninggalkan BCA.co.id Dengan mengklik ‘Lanjutkan’, Anda akan diarahkan menuju website di luar www.bca.co.id yang tidak terafiliasi dengam BCA dan mungkin memiliki tingkat sekuriti yang berbeda.

BCA tidak bertanggung jawab dan tidak mendukung, menjamin, mengendalikan konten, mengendalikan ketersediaan dan perspektif atas produk-produk atau layanan-layanan yang ditawarkan atau dinyatakan oleh website tersebut.
• Masukan nomor hp kamu di bagian paling atas halaman ini (kolom "Masukkan no HP") • Pilih saldo Gopay yang kamu inginkan • Setelah itu pilih lanjut • Kemudian pilih metode pembayaran yang kamu pilih mulai dari transfer bank, OVO, Gopay, DANA, LinkAja • Selanjutnya, pilih "lanjutkan pembayaran" lalu selesaikan pembayaran kamu GoPay merupakan fitur pembayaran yang ditawarkan oleh Gojek Indonesia.

Manfaat GoPay hampir sama seperti ShopeePay membantu pengguna setia Gojek membayar berbagai pesanan hanya dengan satu alat pembayaran. GoPay memiliki berbagai kelebihan tidak sebatas alat pembayaran GoCar, GoFood, GoRide dan layanan Gojek lainnya. Bersama GoPay Anda dapat membeli produk menarik Blibli, belanja koin Webtoon Indonesia atau bertransaksi di sejumlah merchant mitra Gojek lainnya. GoPay juga memungkinkan Anda menyelesaikan transaksi offline tanpa membayar secara tunai. Merchant offline yang bekerja sama dengan GoPay di antaranya tersebar di seluruh Indonesia.

Supaya transaksi berjalan lancar selalu top up GoPay dalam jumlah mencukupi. Anda bisa menggunakan fasilitas top up terlengkap yang GoPay sediakan seperti transfer ATM, mitra Gojek, Alfamart dan sebagainya. Teknologi canggih yang Gojek tanamkan memungkinkan transaksi transfer saldo GoPay berjalan aman dan transparan. 1. GoPay Memungkinkan Anda Patungan Hanya Melalui Chat Mau pesan GoFood atau tiket bioskop bareng para sahabat?

Kamu tidak perlu khawatir membayar semua orderan sendiri karena Gojek menghadirkan fitur baru yakni patungan. Cara kerjanya juga sangat sederhana hanya memanfaatkan fitur chat. 2. GoPay Diary Khawatir pengeluaran bulan ini tidak sesuai dengan perhitungan manual?

Cari tahu status pengeluaran belanja bulanan Anda satu bulan terakhir melalui GoPay Diary. GoPay Diary umumnya Gojek kirimkan secara otomatis via email. Aktifkan fitur ini dengan menghubungkan alamat email Anda dengan Gojek. 3. Terjamin Aman Tidak perlu khawatir bertransaksi bersama GoPay karena Gojek menghadirkan fitur ini setelah melalui berbagai pertimbangan dan uji coba.

Gojek juga mengembangkan GoPay dengan teknologi modern dan canggih demi menjaga keamanan data transaksi, data pribadi jumlah nominal saldo pengguna. • Semua transaksi yang dilakukan menggunakan GoPay atau PayLater hanya bisa berhasil ketika pengguna memasukkan PIN GoPay terdaftar.

• Gojek juga mendukung penggunaan kode OTP untuk akses masuk ke akun. Hindari menyebarkan kode OTP yang Anda terima bahkan pada oknum yang mengaku sebagai agen Gojek karena itu adalah penipuan. limit transfer m banking bca Keamanan tingkat tinggi diberikan secara khusus pada saldo GoPay maupun PayLater. Gojek berani memberikan jaminan uang kembali bagi pengguna GoPay Plus yang mengalami kecurangan oleh oknum tertentu.

• Menu Limit transfer m banking bca berisi beberapa informasi penting salah satunya halaman bantuan. Halaman ini membantu pengguna memahami sekaligus menyelesaikan masalah. Selain halaman bantuan, Limit transfer m banking bca juga bisa berkomunikasi langsung bersama CS GoPay. • Meskipun fitur keamanan yang Gojek tanamkan sangat baik pastikan Anda turut berpartisipasi dalam mengamankan akun.

Dapatkan informasi lebih lengkap seputar keamanan di website resmi Gojek. 4. Fitur-fitur Pembayaran GoPay • Berbagai layanan yang Gojek sediakan seperti GoRide, GoShop, GoCar, GoBox, GoFood dan sebagainya. • Menyelesaikan pembayaran offline dan online pada semua merchant rekanan Gojek. • Bayar tagihan (GoBills) atau belanja pulsa (GoPulsa) dengan mudah.

Agar bisa memanfaatkan berbagai fitur yang GoPay tawarkan Anda harus mengunduh dan mendaftarkan diri pada aplikasi Gojek terlebih dahulu.

Unduh aplikasinya melalui Play Store dan ikuti berbagai instruksi registrasi termasuk upgrade member ke GoPay Plus. GoPlay Plus memiliki fitur lebih banyak dibandingkan GoPay. 1. Proteksi Saldo GoPay Ditingkatkan Saldo GoPay digunakan untuk membayar berbagai transaksi selain itu Gojek juga menawarkan limit jutaan. Supaya saldo GoPay Anda lebih terjamin keamanannya gunakanlah GoPay Plus. GoPay Plus menjamin saldo GoPay atau PayLater yang hilang dikembalikan oleh Gojek tentunya dengan syarat dan ketentuan berlaku.

2. Limit Jauh Lebih Besar Berapa besar anggaran belanja Anda setiap bulannya? GoPay Plus mampu menyimpan saldo sebesar Rp10.000.000 cocok bagi Anda yang gemar limit transfer m banking bca daring atau luring. 3. Tersedia Fitur Transfer Saldo GoPay Teman sedang berulang tahun atau menikah? Jangan lewatkan kesempatan memberikan hadiah dengan memanfaatkan fitur transfer saldo GoPay.

Cara transfer GoPay antar member sangat mudah silahkan Anda input nomor ponsel teman sebagai nomor tujuan transfer. 4. Memungkinkan Transfer ke Rekening Bank Selain menawarkan transfer saldo GoPay antar member, GoPay Plus juga membantu Anda kirim dana ke rekening bank. 5. PayLater Mau belanja tapi gajian masih lama? Gunakan fitur PayLater untuk membayar tagihan di akhir bulan. 6. Promo Banyak dan Lebih Eksklusif Selain menawarkan berbagai kelebihan di atas, GoPay Plus juga memiliki banyak promo keren nan eksklusif.

Manfaatkan semua promonya untuk keuntungan transaksi Anda. • Setelah masuk ke menu GoPay silahkan Anda pilih Lainnya. • Selanjutnya klik Upgrade GoPay Plus, gratis! • Langkah ketiga silahkan Anda klik Upgrade Sekarang sehingga sistem Gojek bisa langsung memberikan perintahnya. • Selesaikan registrasi dengan mengambil foto eKTP Anda • Jangan lupa ambil pula foto selfie sambil memegang eKTP sebagai persyaratan kedua. • Kirim dokumen pendaftaran GoPay Plus dengan pilih Kirim Dokumen • Proses verifikasi yang Gojek butuhkan kurang lebih selama 1x24 jam • Lihat status keanggotaan GoPay Anda dengan masuk ke menu Lainnya kemudian pilih Setting.

• Aktifkan layanan ini dengan memesan GoShop, GoFood, GoCar atau GoRide melalui aplikasi Gojek. • Setelah driver sampai ke lokasi Anda, sampaikan kebutuhan Anda mengtop up GoPay • Serahkan uang tunai sesuai dengan jumlah pengisian saldo yang ingin Anda lakukan • Periksa perubahan saldo GoPay dengan pilih Lainnya pada menu Home kemudian lanjutkan dengan klik Riwayat. • Khusus untuk top up GoPay via driver tidak ada biaya administrasi yang dibebankan.

Ada pun jumlah saldo minimal sebesar Rp 25.000,- • Pergi ke salah satu gerai minimarket seperti Lawson, Alfamart, Dan+Dan, Alfamidi atau Pegadaian. • Sebutkan dengan jelas nomor ponsel terdaftar Limit transfer m banking bca untuk melakukan top up saldo GoPay. • Khusus pada transaksi ini Gojek menerima pengisian saldo Rp 20.000,- Rp 50.000,- hingga Rp 500.000,. • Serahkan uang sesuai jumlah saldo yang Anda beli plus biaya administrasi Rp 2.000,- • Biarkan kasir memproses pembelian saldo GoPay Anda • Periksa akun GoPay dan lihat apakah saldo sudah bertambah atau tidak.

Caranya cukup masuk ke akun Gojek pilih Lainnya kemudian pilih Riwayat. 1. Menggunakan ATM BCA • Pertama masukkan nomor hp anda yang terdaftar di Gopay • Pilih saldo yang diinginkan kemudian pilih lanjut • Pilih metode pembayaran via BCA dan catat nomor rekening BCA beserta jumlah dan nominal yang harus ditransfer beserta 3 kode unik terakhir yang tertera di invoice • Pergi ke ATM BCA terdekat • Masukkan Kartu ATM BCA ke tempat yang tersedia di mesin ATM.

• Isilah PIN ATM dengan benar. Limit transfer m banking bca layar akan muncul beberapa menu transaksi. Pilihlah “Menu Transaksi Lainnya”.

• Setelah itu, pilih menu “Transfer” dan “Ke Rek BCA”. • Kemudian, masukkan nomor rekening BCA yang dituju. • Setelah itu, lanjutkan dengan memasukkan nominal yang akan ditransfer. • Setelah semua langkah ini selesai, Anda akan melihat data transaksi yang baru saja dimasukkan, yaitu berupa nama penerima, nomor rekening, dan jumlah yang akan ditransfer. Jika sudah benar, pilih YA atau OK. • Selanjutnya, struk akan keluar, begitu pula kartu ATM.

2. Isi Ulang Via KlikBCA • Masukkan nomor hp yang terdaftar di akun LinkAja anda. • Pilih saldo yang diinginkan kemudian pilih lanjut • Pilih metode pembayaran via BCA dan catat nomor rekening BCA beserta jumlah dan nominal yang harus ditransfer beserta 3 kode unik terakhir yang tertera di invoice • Masuk ke situs KlikBCA • Masukkan USER ID dan PIN Internet Anda • Pada menu utama pilih TRANSFER DANA • Pada menu TRANSFER, pilih TRANSFER KE REKENING BCA • Masukkan no rekening BCA hotelmurah, jika belum maka daftarkan terlebih dahulu • Masukkan nominal uang yang akan anda transfer • Aktifkan dan login di token BCA anda, pilih APLI 2.

Masukkan 8 digit angka yang tertera di halaman klikbca ke token anda • Akan muncul respon angka dari token anda, masukkan angka tersebut di akun klikbca anda. • Klik LANJUTKAN • Setelah itu, akan muncul nama pemilik rekening yang dituju dan jumlah nominal yang akan ditransfer. 3. Isi Ulang Via m-BCA • Masukkan nomor hp yang terdaftar di akun Gopay anda.

• Pilih saldo yang diinginkan kemudian pilih lanjut • Pilih metode pembayaran via BCA dan catat nomor rekening BCA beserta jumlah dan nominal yang harus ditransfer beserta 3 kode unik terakhir yang tertera di invoice • Masuk ke akun m-BCA melalui smartphone Anda • Sebelum menggunakan cara ini, pastikan Anda sudah unduh dan terdaftar pada m-BCA. • Pertama masukkan nomor hp yang terdaftar di akun Gopay anda.

• Pilih saldo yang diinginkan kemudian pilih lanjut • Pilih metode pembayaran via BCA dan catat nomor rekening BCA beserta jumlah dan nominal yang harus ditransfer beserta 3 kode unik terakhir yang tertera di invoice • Pilih menu “m-BCA” di ponsel Anda dan tekan OK/YES • Pilih menu “m-Transfer” dan tekan OK/YES • Pilih “Antar Rek” dan tekan OK/YES • Pilih “Mata Uang (Rp/USD/SGD)” dan tekan OK/YES • Masukkan Jumlah Uang yang akan ditransfer dan tekan OK/YES • Masukkan No.

RekeningTujuan yang akan ditransfer dan tekan OK/YES • Masukkan PIN m-BCA Anda dan tekan OK/YES • Muncul keterangan "berita" yang dapat Anda isi/kosongkan • Jika Anda memiliki lebih dari 1 (satu) rekening yang terhubung dengan m-BCA, pilih nomor rekening yang akan digunakan, kemudian tekan OK/YES • Pastikan data transaksi yang muncul di layar konfirmasi telah benar.

Jika benar, tekan OK/YES. Jika tidak, diamkan selama beberapa saat sampai message tersebut hilang dan otomatis transaksi tersebut akan dibatalkan • Masukkan PIN m-BCA Anda dan tekan OK/YES • Setelah beberapa saat, Anda akan menerima message yang berisi informasi transaksi transfer Anda Berhasil atau Gagal.

• Note: Untuk transfer ke rekening tujuan valuta asing, wajib memilih tujuan transfer (sesuai pilihan yang tampil di layar ponsel) 1. Menggunakan ATM Mandiri • Cari ATM Mandiri terdekat dan limit transfer m banking bca transaksi seperti biasa dengan memasukkan kartu berikut menekan PIN • Temukan menu Bayar/Beli setelah itu pilih lainnya.

Tekan lagi menu lainnya terakhir pilih e-Commerce • Input nomor kode Gojek 60737 • Selanjutnya silahkan Anda tambahkan nomor handphone terdaftar Gojek • Input nominal pengisian saldo GoPay • Periksa transaksi dan ikuti instruksi selanjutnya sampai saldo GoPay bertambah 2. Menggunakan Internet Banking Mandiri • Masuklah ke akun internet banking bank Mandiri Anda • Setelah berhasil login silahkan pilih Bayar kemudian Multi Payment dan terakhir tekan Service Providers • Ketiga, silahkan klik GoPay Customer • Input nomor handphone Anda • Input jumlah nominal saldo • Ikuti seluruh mekanisme top up Gopay berikutnya hingga notifikasi pengisian saldo berhasil muncul pada ponsel Anda.

3. Isi Ulang Via Mobile Banking Mandiri • Buka aplikasi mobile banking Mandiri yang telah Anda unduh menggunakan akun yang telah didaftarkan sebelumnya • Setelah itu klik Bayar lanjutkan dengan memilih Lainnya baru terakhir tekan GoPay Customer • Tambahkan nomor HP Gojek Anda • Tambahkan jumlah saldo GoPay yang ingin ditransfer • Periksa transaksi dan ikuti mekanisme top up saldo GoPay sampai selesai.

1. Menggunakan ATM BRI • Masukkan nomor no hp akun Gopay Anda • TopUp/Isi Saldo. Kemudian klik lanjut dan pilih transfer Bank BRI. • Salin nomor atau kode transaksi no rekening BRI hotelmurah • Kunjungi gerai ATM BRI terdekat di kota Anda dan lakukan transaksi dengan input kartu ATM-nya. • Bawa kartu ATM tentunya. • Sesampainya di ATM, masukan kartu ATM anda • Pilih Bahasa yang ingin digunakan • Pilih Lanjutkan • Masukan PIN ATM anda.

• Pilih transaksi lain • Pilih menu Transfer • pilih BRI • masukan nomor rekening BRI tujuan dan pilih Benar • masukan nominal uang yang akan dikirim dan lengkap 3 kode unik terakhir, pilih Benar • Muncul informasi transfer, pilih Ya jika benar • Transaksi Selesai, ambil struk nya • pilih Tidak dan segera ambil kartu ATM anda.

• Cek transaksi pada layar ATM, pastikan semua sudah benar dan sesuai. Terakhir pilih Ya. 2. Menggunakan BRI Mobile Banking • Masukkan nomor hp yang terdaftar di akun Gopay anda.

• Pilih saldo yang diinginkan kemudian pilih lanjut • Pilih metode pembayaran via BCA dan catat nomor rekening BCA beserta jumlah dan nominal yang harus ditransfer beserta 3 kode unik terakhir yang tertera di invoice • Silahkan buka aplikasi BRI Mobile > pilih menu Internet Banking BRI. • Masukkan User ID dan Password > klik Login. • Pilih menu Transfer > Transfer Dalam Bank.

limit transfer m banking bca Masukan Nomor Rekening Tujuan > klik OK. • Pilih Jumlah Nominal Transfer sesuai keinginan > klik OK. • Jika sudah silahkan klik Kirim. • Kemudian silahkan masukan Password > klik Kirim.

• Selesai. 3. Isi Ulang Saldo BRI Mobile SMS • Proses pengisian saldo ini sangat mudah, Anda cukup buat format pesan Beli GOPAY 301341 No.HP Nominal PIN m-Banking (pastikan menambahkan spasi di tiap katanya). Contohnya Beli GoPay 301341 082918495391 200.000 1234 • Lakukan perintah yang diberikan oleh Gojek hingga saldo Gopay pada akun Anda berhasil bertambah 1. Menggunakan ATM BNI • Masuk ke ATM BNI yang ada di sekitar Anda • Input kartu ATM-nya dilanjutkan dengan menekan satu per satu nomor PIN • Pilih Menu Lain setelah itu Pembayaran dilanjutkan dengan menekan Menu Berikutnya.

Ikuti prosesnya lagi dengan memilih Menu Berikutnya lantas akhiri dengan menekan Pembayaran Lain-lain • Kode perusahaan Gojek pada BNI adalah 9003. Setelah menulis kode tulis pula nomor HP Gojek Anda. Misalnya, 9003082918495391 • Tambahkan besaran saldo GoPay • Tunggu beberapa saat hingga ponsel Anda bergetar karena menerima notifikasi dari Gojek 2. Menggunakan Internet Banking BNI • Masuklah ke akun e-Banking BNI milik Anda • Pada menu utama lanjutkan dengan klik Transaksi lalu Pembelian atau Pembayaran.

Ketika muncul menu baru silahkan pilih Pembelian kemudian GoPay dan terakhir GoPay Customer. • Tambahkan nomor ponsel Anda • Tambahkan juga jumlah dana top up GoPay • Terakhir silahkan Anda klik Debet Account 3.

Isi Ulang Saldo Melalui SMS • Anda hanya perlu mengirimkan pesan singkat dengan format yang benar pada 3346. Format pengisian saldo GoPay adalah TOP GOPAY CUSTOMER Phone Number Jumlah Top Up.

Misalnya TOP GOPAY CUSTOMER 082918495391 200000. • Tidak sulit bukan cara pengisian saldonya? Cukup ikuti proses selanjutnya sampai pengisian saldo berhasil. 3. Isi Ulang Saldo SMS Banking BNI • Buka terlebih dahulu menu SMS Banking yang disediakan oleh Bank BNI • Setelah itu klik Transfer lantas Top Up GoPay dan terakhir pilih GoPay Customer • Silahkan Anda tambahkan No.HP Gojek • Keempat tambahkan jumlah saldo top up GoPay • Dan pengisian saldo akan berhasil ditandai dengan adanya bunyi notifikasi keberhasilan dari Gojek 1.

Menggunakan ATM Permata • Silahkan input kartu ATM Permata dan masukkan PIN sesuai instruksi yang diminta • Pilih menu Transfer setelah itu tekan Transfer ke Rekening Permata Bank. Bila ingin yang lebih mudah cukup pilih Pembayaran dilanjutkan dengan tekan Virtual Account • Tahapan ketiga silahkan input kode pembayaran Gojek dengan menekan 898 berikut nomor ponsel terdaftar Gojek. Contohnya 898082918495391 • Input besaran saldo yang ingin ditransfer • Periksa informasi pembayaran sebelum menyelesaikan transaksi.

2. Isi Ulang Saldo Via PermataNet limit transfer m banking bca • Bila Anda sudah mendaftarkan diri pada e-Banking Permata maka loginlah ke PermataNet. • Setelah sukses login limit transfer m banking bca Pembelian kemudian Pembelian Isi Ulang dan terakhir tekan menu GoPay • Lanjutkanlah transaksinya dengan memilih nomor rekening • Kemudian input nomor handphone Anda • Tambah jumlah saldo GoPay yang ingin dikirimkan • Terus ikuti instruksi yang tersedia sampai Gojek menyatakan top up saldo GoPay Anda sukses.

3. Isi Ulang Saldo Via PermataMobile • Pertama silahkan Anda masuk terlebih dahulu pada akun PermataMobile • Usai berhasil login silahkan pilih Isi Ulang kemudian tekan Isi Ulang Gojek • Tentukan nomor rekening yang digunakan untuk transfer saldo • Masukan nomor HP (nomor harus terdaftar pada aplikasi Gojek) • Tambahkan jumlah GoPay sesuai kebutuhan • Ikuti seluruh petunjuk yang tersisa sampai proses pengisian saldo GoPay selesai 1.

Menggunakan ATM CIMB Niaga • Pilih ATM CIMB Niaga Anda, masukkan pada mesin dan tekan nomor PIN • Tekan Transfer lalu pilih Rekening Ponsel Lain atau Rekening CIMB Niaga berikutnya Anda cukup memilih Rekening CIMB Niaga Lain • Tambahkan jumlah saldo GoPay yang diinginkan • Masukan kode transaksi sesuai kode Gojek yakni 2849 diikuti dengan nomor ponsel Gojek Limit transfer m banking bca misalnya, 2849 082918495391 • Ikuti terus petunjuk pengisian saldonya hingga Anda berhasil menyelesaikan transaksi 2.

Isi Ulang Saldo via CIMB Clicks • Silahkan login pada akun CIMB Clicks Anda melalui smartphone • Kemudian pilih Transfer • Setelah itu tentukan rekening yang ingin Anda gunakan untuk transfer saldo GoPay • Masukkan nominal pengisian saldo yang diinginkan • Kemudian pilih Transfer Ke dan pilih Rekening Lain • Pada rekening penerima salin nomor transaksi dengan kode yang tepat yakni 2849+ nomor ponsel Gojek. Misalnya 2849082918495391 • Periksa transaksi pembelian dan ikuti semua petunjuk pembayarannya dengan benar sampai selesai 3.

limit transfer m banking bca

Isi Ulang Saldo via GO-MOBILE • Masuklah ke akun GO-MOBILE Anda seperti biasanya • Silahkan pilih Isi Ulang • Kemudian tekan menu e-Wallet dan pilih GoPay • Tentukan terlebih dahulu rekening sumber transfernya • Kemudian masukkan nomor HP Gojek yang diinginkan • Tambahkan jumlah atau nominal transfer GoPay • Ikuti seluruh transaksinya sampai selesai 4. Menggunakan Rekening Ponsel CIMB Niaga • Pertama-tama pergi terlebih dahulu ke ATM CIMB Niaga seteah itu pilih Rekening Ponsel • Langkah kedua tambahkan nomor Rekening Ponsel kemudian masukkan PIN juga passcode-nya • Tekan menu Transfer kemudian Rekening Ponsel Lain atau Rekening CIMB Niaga terakhir pilih Rekeing CIMB Niaga Lain • Salin kode transaksinya 2849 ditambah nomor HP Gojek, contohnya 2849082918495391 • Tambahkan jumlah saldo GoPay sesuai kebutuhan • Periksa detail informasi pembelian dan selesaikan transaksinya 5.

Isi Ulang Saldo via CIMB Niaga SMS • Format pengisian saldo GoPay via SMS adalah GoPay No.HP Jumlah Top Up. Contohnya GoPay 082918495391 100000 kemudian kirim ke 1418 • Periksa transaksi sampai selesai dan saldo GoPay akun Gojek Anda terisi 1. Menggunakan ATM BTN • Bawa kartu ATM ke mesin ATM BTN kemudian input kartu berikut nomor PIN yang benar • Silahkan tekan menu Transaksi Lainnya kemudian pilih Pembelian • Langkah ketiga pilih Top Up GoPay. Tekan kode transaksinya 301341+nomor HP.

Contohnya 301341082918495391 • Tambah jumlah GoPay sesuai kebutuhan Anda • Periksa seluruh transaksi hingga Anda yakin sudah benar dan saldo GoPay bertambah 2. Isi Ulang Saldo Via e-Banking BTN Aplikasi • Silahkan Anda login ke e-Banking BTN melalui aplikasi yang telah diunduh • Pilih Transfer kemudian Pembayaran dan lanjutkanlah memilih Pembelian • Langkah ketiga silahkan Anda klik Daftar Baru hingga menu Kategori Institusi terbuka • Berikutnya pilihlah Gopay lalu Institusi dan GoPay Customer.

Tambahkan pula nama alias penerima • Input nomor ponsel Gojek terdaftar contohnya 082918495391 • Silahkan sambungkan nomor rekening BTN Anda • Tambahkan jumlah saldo GoPay yang diinginkan • Ikuti proses top up GoPay berikutnya sampai selesai dan sukses.

3. Isi Ulang Saldo via e-Banking BTN Website • Masuk ke e-Banking BTN tapi kali ini gunakanlah website bukan aplikasi • Setelah berhasil login pilih Transfer & Pembayaran lantas klik Pembelian • Selanjutnya klik Penerima Tidak Ada Di Daftar • Setelah melihat Kategori Institusi Anda bisa memilih menu GoPay dilanjutkan dengan Institusi lalu GoPay Customer.

Silahkan tambahkan juga nama alias • Langkah kelima silahkan tambahkan nomor HP Gojek terdaftar seperti 082918495391 • Input juga token PIN e-Banking BTN • Sebelum menyelesaikan transaksi silahkan input jumlah saldo yang ingin dikirim • Pilih rekening BTN • Dan akhiri transaksi hingga Gojek memberikan notifikasi berhasil.

4. Isi Ulang Saldo via m-Banking BTN • Masuklah ke BTN mobile Banking • Tekan menu Pembelian dan pilih Top Up GoPay • Selanjutnya klik sumber rekening • Tambahkan GoPay Customer dan nomor HP Anda, sebagai contoh silahkan tekan nomor 082918495391 • Tambahkanlah jumlah top up sesuai kebutuhan Anda • Silahkan ikuti terus instruksinya sampai notifikasi pengisian GoPay berhasil 1.

Menggunakan ATM BRI • Cari ATM BRI stelah itu input kartu ATM-nya diikuti dengan PIN • Pilih Transaksi Lainnya lalu tekan Pembelian • Ketiga, pilih Top Up GoPay dan input kode transaksinya. Kode Gojek 301341 diikuti dengan nomor handphone Anda contohnya 301341082918495391 • Tambahkan jumlah saldo yang ingin ditransfer • Cermati petunjuk selanjutnya sampai limit transfer m banking bca top up GoPay selesai 2. Isi Ulang Saldo via BRIS Internet Banking • Kunjungi BRIS e-Banking dan login menggunakan akun pribadi Anda • Pilih Pembelian lantas tekan Top Up GoPay • Tentukan rekening BRI yang ingin digunakan • Tambahkan nomor ponsel terdaftar contohnya 082918495391 • Pilih Validasi • Itulah tutorial pengisian saldo GoPay melalui BRIS e-Banking silahkan ikuti sisa petunjuk yang ada dan limit transfer m banking bca bukti pembelian.

3. Isi Ulang Saldo via Limit transfer m banking bca m-Banking • Masuk ke akun BRIS m-Banking • Tekan Pembelian lalu pilih Top Up dan Gojek • Setelah itu klik Gojek Customer dan masukkan nomor ponsel Anda contohnya 082918495391 • Tambahkan nominal pengisian saldo GoPay • Dan akhiri seluruh prosesnya dengan menyimpan tanda bukti pengisian saldo 4.

Isi Ulang Saldo via BRI Syariah SMS • Salin format SMS dengan baik dan benar BeLI GOPAY Nomor.HP Jumlah saldo dan kirim ke 3388. Misalnya Beli GOPAY 082918495391 500000. • Ikuti mekanisme pengisian saldo GoPAY berikutnya hingga Anda menerima notifikasi keberhasilan 1.

Menggunakan ATM Danamon • Kunjungi gerai ATM Danamon • Setelah masuk menggunakan kartu ATM Anda silahkan pilih Pembayaran lalu e-Commerce dan terakhir klik Top UP GoPay Gojek • Tambahkan juga nomor ponsel Gojek Anda seperti 082918495391 • Tambahkan jumlah saldo yang ingin ditransferkan ke GoPay • Dan ikuti semua petunjuk lainnya sampai selesai 2. Menggunakan e-Banking Danamon • Masuk ke akun e-Banking Danamon pribadi Anda • Tekan menu Transaksi dilanjutkan dengan menu Pembelian lalu Pembelian e-Commerce dan terakhir pilih menu Top Up GoPay • Tambahkan atau sambungkan rekening Danamon • Tambahkan nomor HP Gojek misalnya 082918495391 • Bagi baru pertama kalinya, silahkan input nomor HP tapi bila sudah pernah transaksi cukup pilih nomor HP terdaftar saja.

• Input jumlah saldo • Dan akhiri transaksi pengisian saldo GoPay via e-Banking Danamon 1.

limit transfer m banking bca

Menggunakan ATM Panin • Input limit transfer m banking bca pada mesin ATM dan tekan PIN-nya • Silahkan tekan Pembayaran dan berlanjut dengan e-Commerce serta GoPay • Tambahkan nomor ponsel yang ingin ditop up GoPay-nya • Tambahkan besaran nominal saldo • Ikuti petunjuk berikutnya sampai pengiriman saldo GoPay selesai. 2. Isi Ulang Saldo Via e-Banking Panin • Masuklah ke e-Banking Panin dengan password dan username Anda • Klik Pembayaran dan pilih Virtual Account • Setelah itu pilihlah akun rekening • Salin kode pembelian saldo GoPay 9303 diikuti nomor ponsel pengguna contohnya 9303082918495391 • Input jumlah saldo yang Anda butuhkan • Selebihnya silahkan ikuti seluruh petunjuk yang tertera 3.

Isi Ulang Saldo Via m-Banking Panin • Aktifkan m-Banking Panin dan masuk ke akunnya seperti biasa • Pilih Pembelian dan GoPay • Input jumlah pembelian saldo GoPay • Akhiri pembelian saldo GoPay dengan menyimpan bukti foto setruk belanja 1.

Menggunakan ATM OCBC NISP • Input kartu ATM Anda • Silahkan klik Pembayaran lantas pilih Pembayaran Lainnya • Tekan kode Gojek 90233 berikut nomor ponsel Gojek terdaftar sebagai penerima saldo GoPay contohnya 90233082918495391 • Tambahkan saldo GoPay yang diinginkan • Ikuti seluruh instruksi yang diberikan oleh mesin ATM dan simpan setruk transaksi dengan baik 2.

Menggunakan e-Banking OCBC NISP • Masuk ke akun e-Banking yang telah Anda unduh aplikasinya • Pilih Pembayaran diikuti dengan menekan menu Pembayaran Lainnya • Tambahkan nomor HP Gojek sebagai penerima saldo • Tambahkan besaran dana GoPay lebih dari minimal transaksi • Periksa informasi transaksi jika sudah benar akhiri pembelian dengan klik kirim atau OK. 3. Isi Ulang Saldo Via OCB NISP (PPOB) • Silahkan Anda pergi ke salah satu loket PPOB • Sampaikan tujuan mengtop up GoPay dan informasikan nomor ponsel di akun Gojek Anda • Petugas loket akan memproses pengisian saldo GoPay selama beberapa menit • Tunggu saldo GoPay masuk dan terima setruk transaksinya.

1. Menggunakan ATM Sinarmas • Kunjungi ATM Sinarmas terdekat dan masukkan kartu berikut PIN debitnya • Tekan menu Pembayaran lalu lanjutkan dengan Berikutnya dan pilihlah Bayar Lainnya • Salin kode transaksi berupa kode Gojek yaitu 810128 dan nomor ponsel Gojek Anda. Misalnya 810128082918495391 • Top up sesuai kebutuhan • Selebihnya Anda hanya perlu mengikuti petunjuk yang tertera saja. 2. Isi Ulang Saldo via e-Banking Sinarmas • Masuk ke e-Banking Sinarmas • Masuk ke Pembayaran/Pembelian • Setelah itu pilih Bayar Lainnya dan klik GoPay Customer • Silahkan pilih nomor rekening Sinarmas Anda • Lanjutkan transaksi dengan input nomor HP Gojek milik Anda • Tambahkan juga informasi atau jumlah saldo yang diinginkan • Sebelum menyelesaikan transaksi silahkan input terlebih dahulu SMS Token atau Simas Token 3.

Isi Ulang Saldo Melalui Teller Bank Sinarmas • Silahkan pergi ke PPOB atau teller Bank Sinarmas terdekat • Sampaikan nomor ponsel Gojek Anda beirkut nominal pembelian GoPay pada petugas • Biarkan petugas melakukan pengisian saldo dan serahkan uang tunai sebagai alat pembayaran • Ikuti terus instruksi yang diberikan oleh petugas hingga saldo GoPay masuk ke akun Gojek Anda 1.

Menggunakan ATM Maybank • Input ATM Card berikut PIN • Tekan Transfer dan pilih e-Money Lainnya • Langkah ketiga silahkan pilih limit transfer m banking bca GoPay yaitu 2002 • Tekan nomor ponsel Anda sebagai nomor rekening tujuan • Tambahkan nominal saldo pembelian GoPay • Ikuti petunjuk yang diberikan oleh mesin ATM dan simpan setruk transaksinya 2.

Isi Ulang Saldo via SMS+Banking Maybank • Masuk ke SMS+Banking Maybank menggunakan aplikasi ter unduh • Silahkan klik Transfer lantas pilih e-Money • Setelah itu Anda bisa memilih GoPay • Lanjutkan dengan input nomor ponsel Anda pastikan nomor tersebut terhubung dengan akun Gojek • Isi nominal pembelian saldo • Dan ikuti petunjuk berikutnya hingga jumlah saldo yang masuk ke akun Gojek sesuai dengan pembelian. 4. Isi Ulang Saldo via e-Banking Maybank • Masuk ke Maybank2u • Pilih Rekening & Transaksi setelah itu tekan menu Transfer • Silahkan Anda memilih Transfer e-Money • Selanjutnya klik GoPay • Tambahkan nomor telepon terdaftar pada akun Gojek sebagai nomor penerima • Isi nominal pengiriman saldo GoPay • Selesaikan transaksi hingga akhir dan Anda menerima pesan notifikasi berhasil melakukan pengisian saldo GoPay 5.

Isi Ulang Saldo Via m-Banking Maybank • Masuklah ke akun Maybank2u Anda • Pilih Rekening & Transaksi setelah itu tekan menu Transfer • Pilih Transfer e-Money • Setelah itu silahkan klik GoPay • Tambahkan nomor ponsel yang Anda daftarkan pada Gojek • Isi nominal pembelian saldo GoPay • Selesaikan transaksi hingga notifikasi masuk ke ponsel yang menyatakan pengisian saldo GoPay berhasil.

1. Menggunakan ATM Bukopin (PPOB) • Pilih salah satu loket PPOB Bukopin yang terdekat • Sampaikan maksud dan tujuan Anda dan sebutkan juga nomor ponsel Gojek • Tunggu petugas loket melakukan pengisian saldo GoPay dan lakukan pembayaran sesuai jumlah setruk pembelian • Terima setruk dan pastikan saldo GoPay akun Anda sudah bertambah.

1. Menggunakan BJB SMS • Ketik format pembelian saldo GoPay dan kirimkan formatnya kepada 3373. Ada pun format yang tersedia adalah ISI GOPAY No. Ponsel dan jumlah saldo.

Misalnya ISI GOPAY 082918495391 100000. • Tunggu hingga Anda mendapatkan konfirmasi dan saldo GoPay masuk ke akun Anda. 2. Isi Ulang Saldo via BJB Net • Masuk ke akun BJB Net Anda • Setelah itu tekan menu Pembayaran lalu pilih e-Commerce • Kemudian pilih rekening dan tekan menu GoPay • Silahkan Anda input nomor ponsel terdaftar di Gojek • Jangan lupa isi pula kolom nominal pengisian saldonya • Klik Kirim dan tunggu hingga proses pengisian saldo GoPay sukses • Limit transfer m banking bca unduh terlebih dahulu aplikasi Digibank ke ponsel • Masuk ke aplikasinya dan pilih ikon Bayar&Beli setelah itu tekan Uang Elektronik • Kemudian Anda pilih GoPay • Input nomor GoPay • Input jumlah pengisian saldo • Selesaikan transaksi dan simpan screenshot transfer sebagai tanda bukti pembayaran 1.

Menggunakan ATM Mega • Input kartu ATM Mega kemudian salin PIN-nya • Klik Pembayaran pilih Lainnya dan terakhir tekan Top Up GoPay • Tambahkan nomor ponsel tujuan transfer (nomor Gojek Anda) • Tambahkan juga jumlah saldo yang ingin dikirim • Ikuti instruksi yang tersisa hingga pengisian saldo berhasil • Jangan lupa untuk menyimpan dengan baik bukti pembayaran saldo GoPay dari Bank Mega 1.

Tutorial Limit transfer m banking bca up Melalui ATM Bersama • Input kartu ATM dan tekan semua nomor PIN-nya • Pilih Transfer lalu klik Transfer ke Bank Lain • Siapkan pula kode bank Permata 013 • Input kode Gojek yakni 898 diikuti dengan nomor ponsel Gojek terdaftar. Contohnya 898082918495391 • Tambahkan jumlah saldo sesuai kebutuhan Anda • Ikuti seluruh petunjuk yang tersisa sampai selesai 2. Top up GoPay via ATM Bersama – Cash Deposit • Pertama silahkan Anda mengisi formulir setoran tunai • Pilih kode 898 dan nomor ponsel Gojek Anda sebagai nomor rekening tujuan, misalnya 898082918495391 • Langkah ketiga tuliskanlah nama penerima dan pilih Bank Permata • Tambahkan nominal saldo GoPay • Silahkan ikuti seluruh instruksi yang tersedia hingga saldo GoPay Anda terisi 3.

Isi Ulang Saldo Via Internet/ Mobile Banking ATM Bersama • Pertama-tama Anda wajib login terlebih dahulu pada m-Banking atau e-Banking • Kemudian pilih Transfer dan Bank Permata sebagai tujuannya. Kode Bank Permata adalah 013 • Jangan lupa untuk menyalin kode transaksi hasil kombinasi dari kode 898 dengan nomor HP Gojek sebagai contoh 898082918495391 • Tambahkan nominal pulsa GoPay sesuai kebutuhan • Transaksi bisa dianggap berhasil setelah Gojek mengirimkan notifikasi keberhasilan 1.

Isi Ulang Saldo Melalui ATM Bank Lain • Input kartu ATM diikui dengan nomor PIN-nya • Selanjutnya silahkan Anda pilih Transfer diikuti dengan Rekening Transfer Bank Lain • Siapkan kode bank CIMB Niaga yakni 022 • Siapkan pula kode Gojek 2849 + nomor ponsel Anda. Salin kode transaksinya yaitu 284908291849539 • Tambahkan nominal saldo yang ingin Anda transfer • Dan ikuti semua petunjuk yang tersedia sampai selesai dan saldo GoPay terisi 2.

Isi Ulang Saldo Melalui e-Banking Lain • Masuk ke e-Banking Anda • Silahkan pilih meun Transfer Online Antar Bank lalu pilih CIMB Niaga sebagai tujuannya. Pastikan Anda menggunakan kode bank yang tepat yaitu 022 • Tambahkan juga kode Gojek 2849 plus nomor ponsel. Contohnya 2849082918495391 • Tambahkan nominal saldo GoPay • Dan ikuti sisa petunjuk yang ada sampai proses selesai Silahkan ubah dahulu status keanggotaan Anda untuk menikmati fitur ini.

• Temukan menu Bayar yang terdapat pada halaman GoPay • Selanjutnya ikutilah cara transfer sesuai kebutuhan Anda: • Memakai QR Code • Input nomor ponsel member lain • Tambah nominal saldo yang hendak Anda transfer • Agar lebih menarik silahkan pilih tema dan pesan yang ingin Anda sampaikan • Pilih Bayar dan input PIN GoPay • Tunggu selama beberapa menit sampai saldo GoPay masuk ke akun Gojek teman Anda.

Sebelum mencobanya, pastikan Anda telah upgrade keanggotaan terlebih dahulu. • Pilih menu Bayar yang tertera pada GoPay • Setelah itu pilih transfer ke Rekening Bank • Tahapan ketiga Anda bisa memilih rekening bank-nya • Silahkan input jumlah saldo yang ingin ditransfer kemudian pilih konfirmasi dan input PIN Anda • Tunggu selama beberapa menit sampai saldo rekening bank Anda bertambah.JAKARTA, KOMPAS.com - Fasilitas mobile banking BCA atau m-banking BCA dikabarkan mengalami gangguan alias error, Jumat (1/4/2022) ini.

Terkait hal itu, PT Bank Central Asia Tbk (BCA) menyatakan, pihaknya tengah melakukan perbaikan dan memulihkan layanan m-banking BCA tersebut. "Dapat kami sampaikan bahwa proses pemulihan dan perbaikan saat ini sedang kami lakukan. Proses ini dilakukan agar dapat memberikan pelayanan lebih optimal untuk nasabah," kata Executive Vice President Secretariat & Corporate Communication BCA Hera F.

Haryn dalam keterangan resminya, Rabu (1/4/2022). Baca juga: Uang Tabungan Hilang Rp 135 Juta, Nasabah: Alhamdulillah, BCA Kembalikan 100 Persen. Dia pun meminta maaf kepada nasabah pengguna m-banking BCA atas gangguan yang telah terjadi tersebut. Hera mengatakan, nasabah yang membutuhkan informasi ataupun mengalami kendala dapat menghubungi contact center BCA.

Bisa melalui HaloBCA 1500888, Twitter @halobca, atau webchat www. bca.co.id. "Sehubungan dengan kendala pada beberapa layanan perbankan BCA, kami memohon maaf atas ketidaknyamanan dan kendala yang terjadi," beber Hera. Sebagai informasi, kendala pada m-banking BCA ini sempat dikeluhkan oleh netizen di Instagram resmi @goodlifebca. "Gangguan mulu dah mbanking," tulis pengguna akun Instagram @yldkhan di komentar unggahan akun Instagram resmi BCA.

" Error min. Kirain gw aja," tulis pengguna akun lainnya. Baca juga: Simak Cara Tarik Tunai GoPay di ATM BCA, BRI, Indomaret, dan Alfamart Berita Terkait Cerita Nasabah BCA Kehilangan Rp 135 Juta dalam Sehari: Pegang Kartu ATM, Kok Bisa Saldo Bisa Ditarik Orang Lain Berkali-kali.

Soal Uang Nasabah Hilang Rp 135 Juta, BCA: Permasalahan Sudah Selesai Bagaimana Cara Pencegahan Skimming Kartu ATM? Simak Tips dari BCA BCA Expoversary Online 2022 Diperpanjang hingga 30 April Cara Daftar Internet Banking BCA, BRI, dan Mandiri lewat ATM Berita Terkait Cerita Nasabah BCA Kehilangan Rp 135 Juta dalam Sehari: Pegang Kartu ATM, Kok Bisa Saldo Bisa Ditarik Orang Lain Berkali-kali.

Soal Uang Nasabah Hilang Rp 135 Juta, BCA: Permasalahan Sudah Selesai Bagaimana Cara Pencegahan Skimming Kartu ATM? Simak Tips dari BCA BCA Expoversary Online 2022 Diperpanjang hingga 30 April Cara Daftar Internet Banking BCA, BRI, dan Mandiri lewat ATM
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Unsourced material may be challenged and removed. Find sources: "Credit card" – news · newspapers · books · scholar · JSTOR ( January 2021) ( Learn how and when to remove this template message) Part of a series on financial services Banking • Magnetic stripe • Signature strip • Card security code A credit card is a payment card issued to limit transfer m banking bca (cardholders) to enable the cardholder to pay a merchant for goods and services based on the cardholder's accrued debt (i.e., promise to the card issuer to pay them for the amounts plus the other agreed charges).

[1] The card issuer (usually a bank or credit union) creates a revolving account and grants a line of credit to the cardholder, from which the cardholder can borrow money for payment to a merchant or as a cash advance. There are two credit card groups: consumer credit cards and business credit cards. Most cards are plastic, but some are metal cards (stainless steel, gold, palladium, titanium), [2] [3] and a few gemstone-encrusted metal cards.

[2] A regular credit card is different from a charge card, which requires the balance to be repaid in full each month or at the end of each statement cycle.

[4] In contrast, credit cards allow the consumers to build a continuing balance of debt, subject to interest being charged. A credit card differs from a charge card also in that a credit card typically involves a third-party entity that pays the seller and is reimbursed by the buyer, whereas a charge card simply defers payment by the buyer until a later date.

A credit card also differs from a debit card, which can be used like currency by the owner of the card. In 2018, there were 1.12 billion credit cards in circulation in the U.S., and 72% of adults had at least one card.

[5] Contents • 1 Technical specifications • 2 History • 2.1 Edward Bellamy's Looking Backward • 2.2 Charge coins, medals, and so on • 2.3 Early charge cards • 2.3.1 Charga-Plate • 2.3.2 Air Travel Card • 2.3.3 Early general purpose charge cards: Diners Club, Carte Blanche, and American Express • 2.4 BankAmericard and Master Charge • 2.5 Development outside North America • 2.6 Design and vintage credit cards as collectibles • 3 Usage • 3.1 Minimum payment • 3.2 Advertising, solicitation, application and approval • 3.3 Interest charges • 3.4 Grace period • 3.5 Parties involved • 3.6 Transaction steps • 3.7 Credit card register • 4 Features • 4.1 Consumers' limited liability • 5 Specialized types • 5.1 Business credit cards • 5.2 Secured credit cards • 5.3 Prepaid cards • 5.4 Digital cards • 5.5 Charge cards • 6 Benefits and drawbacks • 6.1 Benefits to cardholder • 6.1.1 Comparison of credit card benefits in the U.S.

• 6.2 Detriments to cardholders • 6.2.1 High interest limit transfer m banking bca bankruptcy • 6.2.2 Weakens self regulation • 6.3 Detriments to society • 6.3.1 Inflated pricing for all consumers • 6.4 Benefits to merchants • 6.5 Costs to merchants • 7 Security • 7.1 Code 10 • 8 Costs and revenues of credit card issuers • 8.1 Costs • 8.1.1 Charge offs • 8.1.2 Fraud • 8.1.3 Interest expenses • 8.1.4 Limit transfer m banking bca costs • 8.1.5 Rewards • 8.2 Revenues • 8.2.1 Interchange fee • 8.2.2 Interest on outstanding balances • 9 Fees charged to customers • 9.1 Controversy • 9.1.1 Hidden costs • 10 Over-limit charges • 10.1 United Kingdom • 10.2 United States • 11 Neutral consumer resources • 11.1 Canada • 12 Credit cards in ATMs • 12.1 Acceptance mark • 13 Credit cards as funding for entrepreneurs • 14 Alternatives • 15 See also • 16 References • 17 Further reading • 18 External links Technical specifications [ edit ] The size of most credit cards is 85.60 by 53.98 millimetres ( 3 + 3⁄ 8 in × 2 + 1⁄ 8 in) and rounded corners with a radius of 2.88–3.48 millimetres ( 9⁄ 80– 11⁄ 80 in) [6] conforming to the ISO/IEC 7810 ID-1 standard, the same size as ATM cards and other payment cards, such as debit cards.

[7] Credit cards have a printed [8] or embossed bank card number complying with the ISO/IEC 7812 numbering standard. The card number's prefix, called the Bank Identification Number (known in the industry as a BIN [9]), is the sequence of digits at the beginning of the number that determine the bank to which a credit card number belongs.

This is the first six digits for MasterCard and Visa cards. The next nine digits are the individual account number, and the final digit is a validity check digit. [10] Both of these standards are maintained and further developed by ISO/IEC JTC 1/SC 17/WG 1. Credit cards have a magnetic stripe conforming to the ISO/IEC 7813. Most modern credit cards use smart card technology: they have a computer chip embedded in them as a security feature.

In addition, complex smart cards, including peripherals such as a keypad, a display or a fingerprint sensor are increasingly used for credit cards. In limit transfer m banking bca to the main credit card number, credit cards also carry issue and expiration dates (given to the nearest month), as well as extra codes such as issue numbers and security codes.

Complex smart cards allow to have a variable security code, thus increasing security for online transactions. Not all credit cards have the same sets of extra codes nor do they use the same number of digits. Credit card numbers and cardholder names were originally embossed, to allow for easy transfer of such information to charge slips printed on carbon paper forms. With the decline of paper slips, some credit cards are no longer embossed and in fact the card number is no longer in the front.

[11] In addition, some cards are now vertical in design, rather than horizontal. History [ edit ] Edward Bellamy's Looking Backward [ edit ] The concept of using a limit transfer m banking bca for purchases was described in 1887 by Edward Bellamy in his utopian novel Looking Backward. Bellamy used the term credit card limit transfer m banking bca times in this novel, although this referred to a card for spending a citizen's dividend from the government, rather than borrowing, [12] making it more similar to a debit card.

Charge coins, medals, and so on [ edit ] Charge coins and other similar items were used from the late 19th century to the 1930s.

They came in various shapes and sizes; with materials made out of celluloid (an early type of plastic), copper, aluminum, steel, and other types of whitish metals.

[13] Each charge coin usually had a little hole, enabling it to be put in a key ring, like a key. These charge coins were usually given to customers who had charge accounts in department stores, hotels, and so on. A charge coin usually had the charge account number along limit transfer m banking bca the merchant's name and logo.

The charge coin offered a simple and fast way to copy a charge account number to the sales slip, by imprinting the coin onto the sales slip.

This sped up the process of copying, previously done by handwriting. It also reduced the number of errors, by having a standardized form of numbers on the sales slip, instead of various kinds of handwriting style.

[14] Because the customer's name was not limit transfer m banking bca the charge coin, almost anyone could use it.

limit transfer m banking bca

This sometimes led to a case of mistaken identity, either accidentally or intentionally, by acting on behalf of the charge account owner or out of malice to defraud both the charge account owner and the merchant. Beginning in the 1930s, merchants started to move from charge coins to the newer Charga-Plate. [15] Early charge cards [ edit ] Charga-Plate [ edit ] The Charga-Plate, developed in 1928, was an early predecessor of the credit card and was used in the U.S.

from the 1930s to the late limit transfer m banking bca. It was a 2 + 1⁄ 2-by- 1 + 1⁄ 4-inch (64 mm × 32 mm) rectangle of sheet metal related to Addressograph and military dog tag systems. It was embossed with the customer's limit transfer m banking bca, city, and state. It held a small paper card on its back for a signature. In recording a purchase, the plate was laid into a recess in the imprinter, with a paper "charge slip" positioned on top of it.

The record of the transaction limit transfer m banking bca an impression of the embossed information, made by the imprinter pressing an inked ribbon against the charge slip. [16] Charga-Plate was a trademark of Farrington Manufacturing Co. [17] Charga-Plates were issued by large-scale merchants to their regular customers, much like department store credit cards of today.

In some cases, the plates were kept in the issuing store rather than held by customers. When an authorized user made a purchase, a clerk retrieved the plate from the store's files and then processed the purchase.

Charga-Plates sped up back-office bookkeeping and reduced copying errors that were done manually in paper ledgers in each store. Air Travel Card [ edit limit transfer m banking bca In 1934, American Airlines and the Air Transport Association simplified the process even more with the advent of the Air Travel Card.

[18] They created a numbering scheme that identified the issuer of the card as well as the customer account. This is the reason the modern UATP cards still start with the number 1. With an Air Travel Card, passengers could "buy now, and pay later" for a ticket against their credit and receive a fifteen percent discount at any of the accepting airlines.

By the 1940s, all of the major U.S. airlines offered Air Travel Cards that could be used on 17 different airlines. By 1941, about half of the airlines' revenues came through the Air Travel Card agreement. The airlines had also started offering installment plans to lure new travellers into the air.

In 1948, the Air Travel Card became the first internationally valid charge card within all members of the Limit transfer m banking bca Air Transport Association. [19] Early general purpose charge cards: Diners Club, Carte Blanche, and American Express [ edit ] The concept of customers paying different merchants using the same card was expanded in 1950 by Ralph Schneider and Frank McNamara, founders of Diners Club, to consolidate multiple cards. The Diners Club, which was created partially through a merger with Dine and Sign, produced the first "general purpose" charge card and required the entire bill to be paid with each statement.

That was followed by Carte Blanche and in 1958 by American Express which created a worldwide credit card network (although these were initially charge cards limit transfer m banking bca later acquired credit card features).

BankAmericard and Master Charge [ edit ] Metal signs at a plant nursery in Los Angeles County, California marketing Mastercharge and Bankamericard Until 1958, no one had been able to successfully establish a revolving credit financial system in which a card issued by a third-party bank was being generally accepted by a large number of merchants, as opposed to merchant-issued revolving cards accepted by only a few merchants.

There had been a dozen attempts by small American banks, but none of them were able to last very long. In 1958, Bank of America launched the BankAmericard in Fresno, California, which would become the first successful recognizably modern credit card.

This card succeeded where others failed by breaking the chicken-and-egg cycle in which consumers did not want to use a card that few merchants would accept and merchants did not want to accept a card that few consumers used. Bank of America chose Fresno because 45% of its residents used the bank, and by sending a card to 60,000 Fresno residents at once, the bank was able to convince merchants to accept the card.

[20] It was eventually licensed to other banks around the United States and then around the world, and in 1976, all BankAmericard licensees united themselves under the common brand Visa. In 1966, the ancestor of MasterCard was born when a group of banks established Master Charge to compete with BankAmericard; it received a significant boost when Citibank merged its own Everything Card, launched in 1967, into Master Charge in 1969. Early credit cards in the U.S., of which BankAmericard was the most prominent example, were mass-produced and mass mailed unsolicited to bank customers who were thought to be good credit risks.

They have been mailed off to unemployable people, drunks, narcotics addicts and to compulsive debtors, a process President Johnson's Special Assistant Betty Furness found very like "giving sugar to diabetics".

[21] These mass mailings were known as "drops" in banking terminology, and were outlawed in 1970 due to the financial chaos they caused. However, by the time the law came into effect, approximately 100 million credit cards had been dropped into the U.S.

population. After 1970, only credit card applications could be sent unsolicited in mass mailings. Before the computerization of credit card systems in America, using a credit card to pay at a merchant was significantly more complicated than it is today.

Each time a consumer wanted to use a credit card, the merchant would have to call their bank, who in turn had to call the credit card company, which then had to have an employee manually look up the customer's name and credit balance. This system was computerized in 1973 under the leadership of Dee Hock, the first CEO of Visa, allowing transaction time to decrease substantially to less than one minute.

[20] However, until always-connected payment terminals became ubiquitous at the beginning of the 21st century, it was common for a merchant to accept a charge, especially below a threshold value or from a known and trusted customer, without verifying it limit transfer m banking bca phone. Books with lists of stolen card numbers were distributed to merchants who were supposed in any case to check cards against the list before accepting them, as well as verifying the signature on the charge slip against that on the card.

Merchants who failed to take the time to follow the proper verification procedures were liable for fraudulent charges, but because of the cumbersome nature of the procedures, merchants would often simply skip some or all of them and assume the risk for smaller transactions.

Development outside North America [ edit ] The fractured nature of the U.S. banking system under the Glass–Steagall Act meant that credit cards became an effective way for those who were travelling around the country to move their credit to places where they could not directly use their banking facilities.

There are now countless variations on the basic concept of revolving credit for individuals (as issued by banks and honoured by a network of financial institutions), including organization-branded credit cards, corporate-user credit cards, store cards and so on.

In 1966, Barclaycard in the United Kingdom launched the first credit card outside the United States. Although credit cards reached very high adoption levels in the U.S., Canada and the U.K.

during the latter 20th century, many cultures were more cash-oriented or developed alternative forms of cashless payments, such as Carte bleue or the Eurocard (Germany, France, Switzerland, and others). In these places, the adoption of credit cards was initially much slower. Due to strict regulations regarding bank overdrafts, some countries, France in particular, were much quicker to develop and adopt chip-based credit cards which are seen as major anti-fraud credit devices.

Debit cards, online banking, ATMs, mobile banking, and installment plans are used more widely than credit cards in some countries. It took until the 1990s to reach anything like the percentage market penetration levels achieved in the U.S., Canada, and U.K. In some countries, acceptance still remains low as the use of a credit card system depends on the banking system of each country; while in others, a country sometimes had to develop its own credit card network, e.g.

U.K.'s Barclaycard and Australia's Bankcard. Japan remains a very cash-oriented society, with credit card adoption being limited mainly to the largest of merchants; although stored value cards (such as telephone cards) are used as alternative currencies, the trend is toward RFID-based systems inside cards, cellphones, and other objects.

Design and vintage credit cards as collectibles [ edit ] Receipt from 1997 - card physically swiped and information imprinted on the receipt The design of the credit card itself has become a major selling point in recent years. [22] A growing field of numismatics (study of money), or more specifically exonumia (study of money-like objects), credit card collectors seek to collect various embodiments of credit from the now familiar plastic cards to older paper merchant cards, and even metal tokens that were accepted as merchant credit cards.

Early credit cards were made of celluloid plastic, then metal and fiber, then paper, and are now mostly polyvinyl chloride (PVC) plastic.

However, the chip part of credit cards is not made from plastic but from metals. [ citation needed] Usage [ edit ] A credit card issuing company, such as a bank or credit union, enters into agreements with merchants for them to accept their credit cards.

Merchants often advertise in signage or other company material which cards they accept by displaying acceptance marks generally derived from logos. Alternatively, this may be communicated, for example, via a restaurant's menu or orally, or stating, "We don't take credit cards". Visa, MasterCard, American Express are card-issuing entities that set transaction terms for merchants, card-issuing banks, and acquiring banks. The credit card issuer issues a credit card to a customer at the time or after an account has been approved by the credit provider, which need not be the same entity as the card issuer.

limit transfer m banking bca

The cardholders can then use it to make purchases at merchants accepting that card. When a purchase is made, the cardholder agrees to pay the card issuer. The cardholder indicates consent to pay by signing a receipt with a record of the card details and indicating the amount to be paid or by entering a personal identification number (PIN). Also, many merchants now accept verbal authorizations via telephone and electronic authorization using the Internet, known as a card not present transaction (CNP).

Electronic verification systems allow merchants to verify in a few seconds that limit transfer m banking bca card is valid and the cardholder has sufficient credit to cover the purchase, allowing the verification to happen at time of purchase. The verification is performed using a credit card payment terminal or point-of-sale (POS) system with a communications link to the merchant's acquiring bank.

Data from the card is obtained from a magnetic stripe or chip on the card; the latter system is called Chip and PIN in the United Kingdom and Ireland, and is implemented as an EMV card. For card not present transactions where the card is not shown (e.g., e-commerce, mail order, and telephone sales), merchants additionally verify that the customer is in physical possession of the card and is the authorized user by asking for additional information such as the security code printed on the back of the card, date of expiry, and billing address.

Each month, the cardholder is sent a statement indicating the purchases made with the card, any outstanding fees, the total amount owed and the minimum payment due. In the U.S., after receiving the statement, the cardholder may dispute any charges that he or she thinks are incorrect (see 15 U.S.C. § 1643, which limits cardholder liability for unauthorized use of a credit card to $50).

The Fair Credit Billing Act gives details of the U.S. regulations. Many banks now also offer the option of electronic statements, either in lieu of or in addition to physical statements, which can be viewed at any time by the cardholder via the issuer's online banking website. Notification of the availability of a new statement is generally sent to the cardholder's email address.

If the card issuer has chosen to allow it, the cardholder may have other options for payment besides a physical check, such as an electronic transfer of funds from a checking account. Depending on the issuer, the cardholder may also be able to make multiple payments during a single statement period, possibly enabling him or her to utilize the credit limit on the card several times.

Minimum payment [ edit ] The cardholder must pay a defined minimum portion of the amount owed by a due date or may choose to pay a higher amount. The credit issuer charges interest on the unpaid balance if the billed amount is not paid in full (typically at a much higher rate than most other forms of debt).

In addition, if the cardholder fails to make at least the minimum payment by the due date, the issuer may impose a late fee or other penalties. To help mitigate this, some financial institutions can arrange for automatic payments to be deducted from the cardholder's bank account, thus avoiding such penalties altogether, as long as the cardholder has sufficient funds.

In cases where the minimum payment is less than the finance charges and fees assessed during the billing cycle, the outstanding balance will increase in what is called negative amortization. This practice tends to increase credit risk and mask the lender's portfolio quality and consequently has been banned in the U.S.

since 2003. [23] [24] Advertising, solicitation, application and approval [ edit ] Credit card advertising regulations in the U.S.

include the Schumer box disclosure requirements. A large fraction of junk mail consists of the credit card offers created from lists provided by the major credit reporting agencies. In the United States, the three major U.S. credit bureaus ( Equifax, TransUnion and Experian) allow consumers to opt out from related credit card solicitation offers via its Opt Out Pre Screen program.

Interest charges [ edit ] Credit card issuers usually waive interest charges if the balance is paid in full each month, but typically will charge full interest on the entire outstanding balance from the date of each purchase if the total balance is not paid. For example, if a user had a $1,000 transaction and repaid it in full within this grace period, there would be no interest charged. If, however, even $1.00 of the total amount remained unpaid, interest would be charged on the $1,000 from the date of purchase until the payment is received.

The precise manner in which interest is charged is usually detailed in a cardholder agreement which may be summarized on the back of the monthly statement. The general calculation formula most financial institutions use to determine the amount of interest to be charged is (APR/100 x ADB)/365 x number of days revolved.

Take the annual percentage rate (APR) and divide by 100 then multiply to the amount of the average daily balance (ADB). Divide the result by 365 and then limit transfer m banking bca this total and multiply by the total number of days the amount revolved before payment was made on the account. Financial institutions refer to interest charged back to the original time of the transaction and up to the time a payment was made, if not in full, as a residual retail finance charge (RRFC).

Thus after an amount has revolved and a payment has been made, the user of the card will still receive interest charges on their statement after paying the next statement in full (in fact the statement may only have a charge for interest that collected up until the date the full balance was paid, i.e. when the balance stopped revolving). The credit card may simply serve as a form of revolving credit, or it may become a complicated financial instrument with multiple balance segments each at a different interest rate, possibly with a single umbrella credit limit, or with separate credit limits applicable to the various balance segments.

Usually, this compartmentalization is the result of special incentive offers from the issuing bank, to encourage balance transfers from cards of other issuers. If several interest rates apply to various balance segments, then payment allocation is generally at the discretion of the issuing bank, and payments will therefore usually be allocated towards the lowest rate balances until paid in full before any money is paid towards higher rate balances.

Interest rates can vary considerably from card to card, and the interest rate on a particular card may jump dramatically if the card user is late with a payment on that card or any other credit instrument, or even if the issuing bank decides to raise its revenue.

[ citation needed] Grace period [ edit ] A credit card's grace period is the time the cardholder has to pay the balance before interest is assessed on the outstanding balance.

Grace periods may vary but usually range from 20 to 55 days depending on the type of credit card and the issuing bank. Some policies allow for reinstatement after certain conditions are met. Usually, if a cardholder is late paying the balance, finance charges will be calculated and the grace period does not apply. Finance charges incurred depend on the grace period and balance; with most credit cards there is no grace period if there is any outstanding balance from the previous billing cycle or statement (i.e.

interest is applied on both the previous balance and new transactions). However, there are some credit cards that will only apply finance charges on the previous or old balance, excluding new transactions. Parties involved [ edit ] • Cardholder: The holder of the card used to make a purchase; the consumer.

• card-issuing bank: The financial institution or other organization that issued the credit card to the cardholder. This bank bills the consumer for repayment and bears the risk that the card is used fraudulently. American Express and Discover were previously the only card-issuing banks for their respective brands, but as of 2007, this is no longer the case. Cards issued by banks to cardholders in a different country are known as offshore credit cards. • Merchant: The individual or business accepting credit card payments for products or services sold limit transfer m banking bca the cardholder.

• Acquiring bank: The financial institution accepting payment for the products or services on behalf of the merchant. • Independent sales organization: Re-sellers (to merchants) of the services of the acquiring bank. • Merchant account: This could refer to the acquiring bank or the independent sales organization, but in general is the organization that the merchant deals with.

• Card association: An association of card-issuing banks such as Discover, Visa, MasterCard, American Express, etc. that set transaction terms for merchants, card-issuing banks, and acquiring banks. • Transaction network: The system that implements the mechanics of electronic transactions.

May be operated by an independent company, and one company may operate multiple networks. • Affinity partner: Some institutions lend their names to an issuer to attract customers that have a strong relationship with that institution, and get paid a fee or a percentage of the balance for each card issued using their name. Examples of typical affinity partners are sports teams, universities, charities, professional organizations, and major retailers.

• Insurance providers: Insurers underwriting various insurance protections offered as credit card perks, for example, Car Rental Insurance, Purchase Security, Hotel Burglary Insurance, Travel Medical Protection etc. The flow of information and money between these parties—always through the card associations—is known as the interchange, and it consists of a few steps.

Transaction steps [ edit ] • Authorization: The cardholder presents the card as payment to the merchant and the merchant submits the transaction to the acquirer (acquiring bank). The acquirer verifies the credit card number, the transaction type and the amount with the issuer (card-issuing bank) and reserves that amount of the cardholder's credit limit for the merchant. An authorization will generate an approval code, which the merchant stores with the transaction. • Batching: Authorized transactions are stored in "batches", which are sent to the acquirer.

Batches are typically submitted once per day at the end of the business day. Batching can be done manually limit transfer m banking bca by a merchant's action) or automatically (on a pre-determined schedule, using a payment processing platform). If a transaction is not submitted in the batch, the authorization will stay valid for a period determined by the issuer, after which the held amount will be returned to the cardholder's available credit (see authorization hold).

Some transactions may be submitted in the batch without prior authorizations; these are either transactions falling under the merchant's floor limit or ones where the authorization was unsuccessful but the merchant still attempts to force the transaction through.

(Such may be the case when the cardholder is not present but owes the merchant additional money, such as extending a hotel stay or car rental.) • Clearing and Settlement: The acquirer sends the batch transactions through the credit card association, which debits the issuers for payment and credits the acquirer. Essentially, the issuer pays the acquirer for the transaction. • Funding: Once the acquirer has been paid, the acquirer pays the merchant.

The merchant receives the amount totalling the funds in the batch minus either the "discount rate", "mid-qualified rate", or "non-qualified rate" which are tiers of fees the merchant pays the acquirer for processing the transactions. • Chargebacks: A chargeback is an event in which money in a merchant account is held due to a dispute relating to the transaction. Chargebacks are typically initiated by the cardholder.

In the event of a chargeback, the issuer returns the transaction to the acquirer for resolution. The acquirer then forwards the chargeback to the merchant, who must either accept the chargeback or contest it. Credit card register [ edit ] A credit card register is a transaction register used to ensure the increasing balance owed from using a credit card is enough below the credit limit to deal with authorization holds and payments not yet received by the bank and to easily look up past transactions for reconciliation and budgeting.

The register is a personal record of banking transactions used for credit card purchases as they affect funds in the bank account or the available credit. In addition to checking numbers and so forth the code column indicates the credit card.

The balance column shows available funds after purchases. When the credit card payment is made the balance already reflects the funds were spent. In a credit card's entry, the deposit column shows the available credit and the payment column shows the total owed, their sum being equal to the credit limit.

Each check is written, debit card transaction, cash withdrawal, and credit card charge are entered manually into the paper register daily or several times per week. [25] Credit card register also refers to one transaction record for each credit card.

In this case, the booklets readily enable the location of a card's current available credit when ten or more cards are in use. [ citation needed] Features [ edit ] As well as convenient credit, credit cards offer consumers an easy way to track expenses, which is necessary for both monitoring personal expenditures and the tracking of work-related expenses for taxation and reimbursement purposes.

Credit cards are accepted in larger establishments in almost all countries and are available with a variety of credit limits, repayment arrangements. Some have added perks (such as insurance protection, rewards schemes in which points earned by purchasing goods with the card can be redeemed for further goods and services or cashback). Consumers' limited liability [ edit ] Some countries, such as the United States, the United Kingdom, and France, limit the amount for which a consumer can be held liable in the event of fraudulent transactions with a lost or stolen credit card.

Specialized types [ edit ] Business credit cards [ edit ] See also: Stored-value card Business credit cards are specialized credit cards issued in the name of a registered business, and typically they can only be used for business purposes. Their use has grown in recent decades. In 1998, for instance, 37% of small businesses reported using a business credit card; by 2009, this number had grown to 64%.

[26] Business credit cards offer a number of features specific to businesses. They frequently offer special rewards in areas such as shipping, office supplies, travel, and business technology. Most issuers use the applicant's personal credit score when evaluating these applications. In addition, income from a variety of sources may be used to qualify, which means these cards may be available to businesses that are newly established. [27] In addition, some issuers of this card do not report account activity to the owner's personal credit, or only do so if the account is delinquent.

[28] In these cases, the activity of the business is separated from the owner's personal credit activity. Business credit cards are offered by American Express, Discover, and almost all major issuers of Visa and MasterCard cards. Some local banks and credit unions also offer business credit cards.

American Express is the only major issuer of business charge cards in the United States, however. Secured credit cards [ edit ] Limit transfer m banking bca secured credit card is a type of credit card secured by a deposit account owned by the cardholder. Typically, the cardholder must deposit between 100% and 200% of the total amount of credit desired. Thus if the cardholder puts down $1,000, they will be given credit in the range of $500–1,000.

In some cases, credit card issuers will offer incentives even on their secured card portfolios. In these cases, the deposit required may be significantly less than the required credit limit and can be as low as 10% of the desired credit limit. This deposit is held in a special savings account. Credit card issuers offer this because they have noticed that delinquencies were notably reduced when the customer perceives something to lose if the balance is not repaid. The cardholder of a secured credit card is still expected to make regular payments, as with a regular credit card, but should they default on a payment, the card issuer has the option of recovering the cost of the purchases paid to the merchants out of the deposit.

The advantage of the secured card for an individual with negative or no credit history is that most companies report regularly to the major credit bureaus. This allows the cardholder to start building (or re-building) a positive credit history. Although the deposit is in the hands of the credit card issuer as security in the event of default by the consumer, the deposit will not be debited simply for missing one or two payments. Usually, the deposit is only used as an offset when the account is closed, either at the request of the customer or due to severe delinquency (150 to 180 days).

This means that an account that is less than 150 days delinquent will continue limit transfer m banking bca accrue interest and fees, and could result in a balance that is much higher than the actual credit limit on the card.

In these cases, the total debt may far exceed the original deposit and the cardholder not only forfeits their deposit but is left with additional debt. Most of these conditions are usually described in a cardholder agreement which the cardholder signs when their account is opened. Secured credit cards are an option to allow a person with a poor credit history or no credit history to have a credit card that might not otherwise be available. They are often offered as a means of rebuilding one's credit.

Fees and service charges for secured credit cards often exceed those charged for ordinary non-secured credit cards. For people in certain situations, (for example, after charging off on other credit cards, or people with a long history of delinquency on various forms of debt), secured cards are almost always more expensive than unsecured credit cards. Sometimes a credit card will be secured by the equity in the borrower's home.

Prepaid cards [ edit ] See also: Stored-value card They are sometimes called "prepaid credit card", but they are a debit cards (prepaid card or prepaid debit card), [29] since no credit is offered by the card issuer: the cardholder spends money which has been "stored" via a prior deposit by the cardholder or someone else, such as a parent or employer.

However, it carries a credit-card brand (such as Discover, Visa, MasterCard, American Express, or JCB) and can be used in similar ways just as though it were a credit card., [29] Unlike debit cards, prepaid credit cards generally do not require a PIN.

An exception are prepaid credit cards with an EMV chip. These cards do require a PIN if the payment is processed via Chip and PIN technology. As of 2018, most debit cards in the U.S. were prepaid cards (71.7%). [5] After purchasing the card, the cardholder loads the account with any amount of money, up to the predetermined card limit and then uses the card to make purchases the same way as a typical credit card.

Prepaid cards can be issued to minors (above 13) since there is no credit line involved. The main advantage over secured credit cards (see above section) is that the cardholder is not required to come up with $500 or more to open an account. With prepaid credit cards, purchasers are not charged any interest but are often charged a purchasing fee plus monthly fees after an arbitrary time period. Many other fees also usually apply to a prepaid card.

[29] Prepaid credit cards are sometimes marketed to teenagers [29] for shopping online without having their parents complete the transaction. [30] Teenagers can only use funds that are available on the card which helps promote financial management to reduce the risk of debt problems later in life.

[ citation needed] Prepaid cards can be used globally. The prepaid card is convenient for payees in developing countries like Brazil, Russia, India, and China, where international wire transfers and bank checks are time-consuming, complicated and costly.

[ citation needed] Because of the many fees that apply to obtaining and using credit-card-branded prepaid cards, the Financial Consumer Agency of Canada describes them as "an expensive way to spend your own money". [31] The agency publishes a booklet entitled Pre-paid Cards which explains the advantages and disadvantages of this type of prepaid card.

see #Further reading Digital cards [ edit ] A digital card is a digital cloud-hosted virtual representation of any kind of identification card or payment card, such as a credit card. [ citation needed] Charge cards [ edit ] The charge cards are a type of credit card.

Benefits and drawbacks [ edit ] Benefits to cardholder [ edit ] The main benefit to the cardholder is convenience. Compared to debit cards and checks, a credit card allows small short-term loans to be quickly made to a cardholder who need not calculate a balance remaining before every transaction, provided the total charges do not exceed the maximum credit line for the card. One financial benefit is that no interest is charged when the balance is paid in full within the grace period.

Different countries offer different levels of protection. In the U.K., for example, the bank is jointly liable with the merchant for purchases of defective products over £100. [32] Many credit cards offer benefits to cardholders. Some benefits apply to products purchased with the card, like extended product warranties, reimbursement for decreases in price immediately after purchase (price protection), and reimbursement for theft or damage on recently purchased products (purchase protection).

[33] Other benefits include various types of travel insurance, such as rental car insurance, travel accident insurance, baggage delay insurance, and trip delay or cancellation insurance. [34] Credit cards may also offer a loyalty program, where each purchase is rewarded based on the price of the purchase.

Typically, rewards are either in the form of cashback or points. Points are often redeemable for gift cards, products, or travel expenses like airline tickets. Some credit cards allow the transfer of accrued points to hotel and airline loyalty programs.

[35] Research has examined whether competition among card networks may potentially make payment rewards too generous, causing higher prices among merchants, thus actually impacting social welfare and its distribution, a situation potentially warranting public policy interventions. [36] Comparison of credit card benefits in the U.S. [ edit ] The table below contains a list of benefits offered in the United States for consumer credit cards in some of these networks.

These benefits may vary with each credit card issuer. MasterCard [37] Visa [38] American Express [39] Discover [40] Return extension 60 days up to $250 90 days up to $250 [41] 90 days up to $300 Not Available [42] Extended warranty 2× original up to 1 year Depends 1 additional year 6 years max Not Available [43] Price protection 60 days Varies Not Available [44] Loss/damage coverage 90 days Depends 90 days up to $1,000 Not Available Rental car insurance Main article: Damage waiver 15 days: collision, theft, vandalism 15 days: collision, theft 30 days: collision, theft, vandalism [45] Not Available Detriments to cardholders [ edit ] High interest and bankruptcy [ edit ] Low introductory credit card rates are limited to a fixed term, usually between 6 and 12 months, after which a higher rate is charged.

As all credit cards charge fees and interest, some customers become so indebted to their credit card provider that they are driven to bankruptcy. Some credit cards often levy a rate of 20 to 30 percent after a payment is missed. [46] In other cases, a fixed charge is levied without change to the interest rate. In some cases universal default may apply: the high default rate is applied to a card in good standing by missing a payment on an unrelated account from the same provider.

This can lead to a snowball effect in which the consumer is drowned by unexpectedly high-interest rates. Further, most card holder agreements enable the issuer to arbitrarily raise the interest rate for any reason they see fit. First Premier Bank at one point offered a credit card with a 79.9% interest rate; [47] however, they discontinued this card in February 2011 because of persistent defaults. [48] Research shows that a substantial fraction of consumers (about 40 percent) choose a sub-optimal credit card agreement, with some incurring hundreds of dollars of avoidable interest costs.

[49] Weakens self regulation [ edit ] Several studies have shown that consumers are likely to spend more money when they pay by credit card. Researchers suggest that when people pay using credit cards, they do not experience the abstract pain of payment.

[50] Furthermore, researchers have found that using credit cards can increase consumption of unhealthy food, compared to using cash. [51] Detriments to society [ edit ] Inflated pricing for all consumers [ edit ] Merchants that accept credit cards must pay interchange fees and discount fees on all credit card transactions.

[52] [53] In some cases merchants are barred by their credit agreements from passing these fees directly to credit card customers, or from setting a minimum transaction amount (no longer prohibited in the United States, United Kingdom or Australia). [54] The result is that merchants are induced to charge all customers (including those who do not use credit cards) higher prices to cover the fees on credit card transactions.

[53] The inducement can be strong because the merchant's fee is a percentage of the sale price, which has a disproportionate effect on the profitability of businesses that have predominantly credit card transactions unless compensated for by raising prices generally.

In the United States in 2008 credit card companies collected a total of $48 billion in interchange fees, or an average of $427 per family, with an average fee rate of about 2% per transaction. [53] Credit card rewards result in a total transfer of $1,282 from the average cash payer to the average card payer per year.

[55] Benefits to merchants [ edit ] An example of street markets accepting credit cards. Most simply display the acceptance marks (stylized logos, shown in the upper-left corner of the sign) of all the cards they accept. For merchants, a credit card transaction is often more secure than other forms of payment, such as cheques, because the issuing bank commits to pay the merchant the moment the transaction is authorized, regardless of whether the consumer defaults on the credit card payment (except for legitimate disputes, which are discussed below and can result in charges back to the merchant).

In most cases, cards are even more secure than cash, because they discourage theft by the merchant's employees and reduce limit transfer m banking bca amount of cash on the premises.

Finally, credit cards reduce the back office expense of processing checks/cash and transporting them to the bank. Prior to credit cards, each merchant had to evaluate each customer's credit history before extending credit. That task is now performed by the banks which assume the credit risk.

Credit cards can also aid in securing a sale especially if the customer does not have enough cash on hand or in a checking account. Extra turnover is generated by the fact that the customer can purchase goods and services immediately and is less inhibited by the amount of cash in pocket and the immediate state of the customer's bank balance.

Much of merchants' marketing is based on this immediacy. For each purchase, the bank charges the merchant a commission (discount fee) for this service and there may be a certain delay before the agreed payment is received by the merchant. The commission is often a percentage of the transaction amount, plus a fixed fee (interchange rate). Costs to merchants [ edit ] Merchants are charged several fees for accepting credit cards.

The merchant is usually charged a commission of around 1 to 4 percent of the value of each transaction paid for by credit card. [56] The merchant may also pay a variable charge, called a merchant discount rate, for each transaction.

[52] In some instances of very low-value transactions, use of credit cards will significantly reduce the profit margin or cause the merchant to lose money on the transaction. Merchants with very low average transaction prices or very high average transaction prices are more averse to accepting credit cards. In some cases, merchants may charge users limit transfer m banking bca "credit card supplement" (or surcharge), either a fixed amount or a percentage, for payment by credit card.

[57] This practice was prohibited by most credit card contracts in the United States until 2013 when a major settlement between merchants and credit card companies allowed merchants to levy surcharges. Most retailers have not started using credit card surcharges, however, for fear of losing customers. [58] Merchants in the United States have been fighting what they consider to be unfairly high fees charged by credit card companies in a series of lawsuits that started in 2005.

Merchants charged that the two main credit card processing companies, MasterCard and Visa, used their monopoly power to levy excessive fees in a class-action lawsuit involving the National Retail Federation and major retailers such as Wal-Mart.

In December 2013, a federal judge approved a $5.7 billion settlement in the case that offered payouts to merchants limit transfer m banking bca had paid credit card fees, the largest antitrust settlement limit transfer m banking bca U.S. history. Some large retailers, such as Wal-Mart and Amazon, chose to not participate in this settlement, however, and have continued their legal fight against the credit card companies. [58] Merchants are also required to lease or purchase processing equipment, in some cases, this equipment is provided free of charge by the processor.

Merchants must also satisfy data security compliance standards which limit transfer m banking bca highly technical and complicated. In many cases, there is a delay of several days before funds are deposited into a merchant's bank account. Because credit card fee structures are very complicated, smaller merchants are at a disadvantage to analyze and predict fees.

Finally, merchants assume the risk of chargebacks by consumers. Security [ edit ] See also: Wireless identity theft and RFID Credit card security relies on the physical security of the plastic card as well as the privacy of the credit card number. Therefore, whenever a person other than the card owner has access to the card or its number, security is potentially compromised.

Once, merchants would often accept credit card numbers without additional verification for mail order purchases. It is now common practice to only ship to confirmed addresses as a security measure to minimize fraudulent purchases. Some merchants will accept a credit card number for in-store purchases, whereupon access to the number allows easy fraud, but many require the card itself to be present and require a signature (for magnetic stripe cards). A lost or stolen card can be cancelled, and if this is done quickly, will greatly limit the fraud that can take place in this way.

European banks can require a cardholder's security PIN be entered for in-person purchases with the card. The Payment Card Industry Data Security Standard (PCI DSS) is the security standard issued by the Payment Card Industry Security Standards Council (PCI SSC).

This data security standard is used by acquiring banks to impose cardholder data security measures upon their merchants. The goal of the credit card companies is not to eliminate fraud, but to "reduce it to manageable levels". [59] This implies that fraud prevention measures will be used only if their cost is lower than the potential gains from fraud reduction, whereas high-cost low-return measures will limit transfer m banking bca be used – as would be expected from organizations whose goal is profit maximization.

Internet fraud may be committed by claiming a chargeback which is not justified (" friendly fraud"), or carried out by the use of credit card information which can be stolen in many ways, the simplest being copying information from retailers, either online or offline. Despite efforts to improve security for remote purchases using credit cards, security breaches are usually the result of poor practice limit transfer m banking bca merchants. For example, a website that safely uses TLS to encrypt card data from a client may then email the data, unencrypted, from the webserver to the merchant; or the merchant may store unencrypted details in a way that allows them to be accessed over the Internet or by a rogue employee; unencrypted card details are always a security risk.

Even encrypted data may be cracked. Controlled payment numbers (also known as virtual credit cards or disposable credit cards) are another option for protecting against credit card fraud where the presentation of a physical card is not required, as in telephone and online purchasing.

These are one-time use numbers that function as a payment card and are linked to the user's real account, but do not reveal details, and cannot be used for subsequent unauthorized transactions. They can be valid for a relatively short time, and limited to the actual amount of the purchase or a limit set by the user.

Their use can be limited to one merchant. If the limit transfer m banking bca given to the merchant is compromised, it will be rejected if an attempt is made to use it a second time. A similar system of controls can be used on physical cards. Technology provides the option for banks to support many other controls too that can be turned on and off and varied by the credit card owner in real time as circumstances change (i.e., they can change temporal, numerical, geographical and many other parameters on their primary and subsidiary cards).

Apart from the obvious benefits of such controls: from a security perspective this means that a customer can have a Chip and PIN card secured for the real world, and limited for use in the home country.

In this eventuality, a thief stealing the details will be prevented from using these overseas in non-chip and pin EMV countries. Similarly, the real card can be restricted from use online so that stolen details will be declined if this is tried. Then when card users shop online they limit transfer m banking bca use virtual account numbers. In both circumstances, an alert system can be built in notifying a user that a fraudulent attempt has been made which breaches their parameters, and can provide data on this in real-time.

Additionally, there are security features present on the physical card itself in order to prevent counterfeiting. For example, most modern credit cards have a watermark that will fluoresce under ultraviolet light. [60] Most major credit cards have a hologram. A Visa card has a letter V superimposed over the regular Visa logo and a MasterCard has the letters MC across the front of the card.

Older Visa cards have a bald eagle or dove across the front. In the aforementioned cases, the security features are only visible under ultraviolet light and are invisible in normal light. The United States Department of Justice, United States Secret Service, Federal Bureau of Investigation, U.S.

Immigration and Customs Enforcement, and U.S. Postal Inspection Service are responsible for prosecuting criminals who engage in credit card fraud in the United States. [61] However, they do not have the resources to pursue all criminals, and in general they only prosecute cases exceeding $5,000. Three improvements to card security have been introduced to the more common credit card networks, but none has proven to help reduce credit card fraud so far.

First, the cards themselves are being replaced with similar-looking tamper-resistant smart cards which are intended to make forgery more difficult. The majority of smart card (IC card) based credit cards comply with the EMV (Europay MasterCard Visa) standard. Second, an additional 3 or 4 digit card security code (CSC) or card verification value (CVV) is now present on the back of most cards, for use in card not present transactions.

Stakeholders at all levels in electronic payment have recognized the need to develop consistent global standards for security that account for and integrate both current and emerging security technologies. They have begun to address these needs through organisations such as PCI DSS and the Secure POS Vendor Alliance. [62] Code 10 [ edit ] Code 10 calls are made when merchants are suspicious about accepting a credit card.

The operator then asks the merchant a series of YES or NO questions to find out whether the merchant is suspicious of the card or the cardholder. The merchant may be asked to retain the card if it is safe to do so. The merchant may receive a reward for returning a confiscated card to the issuing bank, especially if an arrest is made.

limit transfer m banking bca

{INSERTKEYS} [63] [64] [65] [66] Costs and revenues of credit card issuers [ edit ] Costs [ edit ] Charge offs [ edit ] When a cardholder becomes severely delinquent on a debt (often at the point of six months without payment), the creditor may declare the debt to be a charge-off. It will then be listed as such on the debtor's credit bureau reports. ( Equifax, for instance, lists "R9" in the "status" column to denote a charge-off.) A charge-off is considered to be "written off as uncollectible".

To banks, bad debts and fraud are part of the cost of doing business. However, the debt is still legally valid, and the creditor can attempt to collect the full amount for the time periods permitted under state law, which is usually three to seven years. This includes contacts from internal collections staff, or more likely, an outside collection agency. If the amount is large (generally over $1,500–2,000), there is the possibility of a lawsuit or arbitration.

Fraud [ edit ] Main article: Credit card fraud In relative numbers the values lost in bank card fraud are minor, calculated in 2006 at 7 cents per 100 dollars worth of transactions (7 basis points). [67] In 2004, in the U.K., the cost of fraud was over £500 million. [68] When a card is stolen, or an unauthorized duplicate made, most card issuers will refund some or all of the charges that the customer has received for things they did not buy. These refunds will, in some cases, be at the expense of the merchant, especially in mail order cases where the merchant cannot claim sight of the card.

In several countries, merchants will lose money if no ID card was asked for, therefore merchants usually require ID cards in these countries. Credit card companies generally guarantee the merchant will be paid on legitimate transactions regardless of whether the consumer pays their credit card bill.

Most banking services have their own credit card services that handle fraud cases and monitor for any possible attempt at fraud. Employees that are specialized in doing fraud monitoring and investigation are often placed in Risk Management, Fraud and Authorization, or Cards and Unsecured Business. Fraud monitoring emphasizes minimizing fraud losses while making an attempt to track down those responsible and contain the situation.

Credit card fraud is a major white-collar crime that has been around for many decades, even with the advent of the chip-based card (EMV) that was put into practice in some countries to prevent cases such as these. Even with the implementation of such measures, credit card fraud continues to be a problem.

Interest expenses [ edit ] Banks generally borrow the money they then lend to their customers. As they receive very low-interest loans from other firms, they may borrow as much as their customers require, while lending their capital to other borrowers at higher rates. If the card issuer charges 15% on money lent to users, and it costs 5% to borrow the money to lend, and the balance sits with the cardholder for a year, the issuer earns 10% on the loan.

This 10% difference is the "net interest spread" and the 5% is the "interest expense". Operating costs [ edit ] This is the cost of running the credit card portfolio, including everything from paying the executives who run the company to printing the plastics, to mailing the statements, to running the computers that keep track of every cardholder's balance, to taking the many phone calls which cardholders place to their issuer, to protecting the customers from fraud rings.

Depending on the issuer, marketing programs are also a significant portion of expenses. Rewards [ edit ] Many credit card customers receive rewards, such as frequent flyer points, gift certificates, or cash back as an incentive to use the card. Rewards are generally tied to purchasing an item or service on the card, which may or may not include balance transfers, cash advances, or other special uses.

Depending on the type of card, rewards will generally cost the issuer between 0.25% and 2.0% of the spread. Networks such as Visa or MasterCard have increased their fees to allow issuers to fund their rewards system.

Some issuers discourage redemption by forcing the cardholder to call customer service for rewards. On their servicing website, redeeming awards is usually a feature that is very well hidden by the issuers.

[69] With a fractured and competitive environment, rewards points cut dramatically into an issuer's bottom line, and rewards points and related incentives must be carefully managed to ensure a profitable portfolio. [ citation needed] Unlike unused gift cards, in whose case the breakage in certain U.S.

states goes to the state's treasury, [70] unredeemed credit card points are retained by the issuer. [71] Revenues [ edit ] Interchange fee [ edit ] Main article: Interchange fee In addition to fees paid by the card holder, merchants must also pay interchange fees to the card-issuing bank and the card association.

[72] [73] For a typical credit card issuer, interchange fee revenues may represent about a quarter of total revenues. [74] These fees are typically from 1 to 6 percent of each sale but will vary not only from merchant to merchant (large merchants can negotiate lower rates [74]), but also from card to card, with business cards and rewards cards generally costing the merchants more to process. The interchange fee that applies to a particular transaction is also affected by many other variables including the type of merchant, the merchant's total card sales volume, the merchant's average transaction amount, whether the cards were physically present, how the information required for the transaction was received, the specific type of card, when the transaction was settled, and the authorized and settled transaction amounts.

In some cases, merchants add a surcharge to the credit cards to cover the interchange fee, encouraging their customers to instead use cash, debit cards, or even cheques. Interest on outstanding balances [ edit ] Interest charges vary widely from card issuer to card issuer. Often, there are "teaser" rates or promotional APR in effect for initial periods of time (as low as zero percent for, say, six months), whereas regular rates can be as high as 40 percent.

[75] In the U.S. there is no federal limit on the interest or late fees credit card issuers can charge; the interest rates are set by the states, with some states such as South Dakota, having no ceiling on interest rates and fees, inviting some banks to establish their credit card operations there. Other states, for example Delaware, have very weak usury laws. The teaser rate no longer applies if the customer does not pay their bills on time, and is replaced by a penalty interest rate (for example, 23.99%) that applies retroactively.

Fees charged to customers [ edit ] The major credit card fees are for: • Membership fees (annual or monthly), sometimes a percentage of the credit limit.

• Cash advances and convenience cheques (often 3% of the amount) • Charges that result in exceeding the credit limit on the card (whether deliberately or by mistake), called over-limit fees • Exchange rate loading fees (sometimes these might not be reported on the customer's statement, even when applied).

[76] The variation of exchange rates applied by different credit cards can be very substantial, as much as 10% according to a Lonely Planet report in 2009. [77] • Late or overdue payments • Returned cheque fees or payment processing fees (e.g. phone payment fee) • Transactions in a foreign currency (as much as 3% of the amount). A few financial institutions do not charge a fee for this. • Finance charge is any charge that is included in the cost of borrowing money.

[78] In the U.S., the Credit CARD Act of 2009 specifies that credit card companies must send cardholders a notice 45 days before they can increase or change certain fees. This includes annual fees, cash advance fees, and late fees. [79] Controversy [ edit ] One controversial area is the trailing interest issue.

Trailing interest refers to interest that accrues on a balance after the monthly statement is produced, but before the balance is repaid. This additional interest is typically added to the following monthly statement.

U.S. Senator Carl Levin raised the issue of millions of Americans affected by hidden fees, compounding interest and cryptic terms. Their woes were heard in a Senate Permanent Subcommittee on Investigations hearing which was chaired by Senator Levin, who said that he intends to keep the spotlight on credit card companies and that legislative action may be necessary to purge the industry. [80] In 2009, the C.A.R.D. Act was signed into law, enacting protections for many of the issues Levin had raised.

Hidden costs [ edit ] In the United Kingdom, merchants won the right through The Credit Cards (Price Discrimination) Order 1990 [81] to charge customers different prices according to the payment method; this was later removed by the EU's 2nd Payment Services Directive. As of 2007, the United Kingdom was one of the world's most credit card-intensive countries, with 2.4 credit cards per consumer, according to the U.K.

Payments Administration Ltd. [82] In the United States until 1984, federal law prohibited surcharges on card transactions. Although the federal Truth in Lending Act provisions that prohibited surcharges expired that year, a number of states have since enacted laws that continue to outlaw the practice; California, Colorado, Connecticut, Florida, Kansas, Massachusetts, Maine, New York, Oklahoma, and Texas have laws against surcharges. As of 2006, the United States probably had one of the world's highest if not the top ratio of credit cards per capita, with 984 million bank-issued Visa and MasterCard credit card and debit card accounts alone for an adult population of roughly 220 million people.

[83] The credit card per U.S. capita ratio was nearly 4:1 as of 2003 [84] and as high as 5:1 as of 2006. [85] Over-limit charges [ edit ] United Kingdom [ edit ] Consumers who keep their account in good order by always staying within their credit limit, and always making at least the minimum monthly payment will see interest as the biggest expense from their card provider. Those who are not so careful and regularly surpass their credit limit or are late in making payments were exposed to multiple charges, until a ruling from the Office of Fair Trading [86] that they would presume charges over £12 to be unfair which led the majority of card providers to reduce their fees to £12.

The higher fees originally charged were claimed to be designed to recoup the card operator's overall business costs and to try to ensure that the credit card business as a whole generated a profit, rather than simply recovering the cost to the provider of the limit breach, which has been estimated as typically between £3–£4.

Profiting from a customer's mistakes is arguably not permitted under U.K. common law if the charges constitute penalties for breach of contract, or under the Unfair Terms in Consumer Contracts Regulations 1999. Subsequent rulings in respect of personal current accounts suggest that the argument that these charges are penalties for breach of contract is weak, and given the Office of Fair Trading's ruling it seems unlikely that any further test case will take place.

Whilst the law remains in the balance, many consumers have made claims against their credit card providers for the charges that they have incurred, plus interest that they would have earned had the money not been deducted from their account.

It is likely that claims for amounts charged in excess of £12 will succeed, but claims for charges at the OFT's £12 threshold level are more contentious. United States [ edit ] The Credit CARD Act of 2009 requires that consumers opt in to over-limit charges. Some card issuers have therefore commenced solicitations requesting customers to opt into over-limit fees, presenting this as a benefit as it may avoid the possibility of a future transaction being declined.

Other issuers have simply discontinued the practice of charging over-limit fees. Whether a customer opts into the over-limit fee or not, banks will in practice have discretion as to whether they choose to authorize transactions above the credit limit or not. Of course, any approved over-limit transactions will only result in an over-limit fee for those customers who have opted into the fee. This legislation took effect on 22 February 2010.

Following this Act, the companies are now required by law to show on a customer's bills how long it would take them to pay off the balance. Neutral consumer resources [ edit ] Canada [ edit ] The Government of Canada maintains a database of the fees, features, interest rates and reward programs of nearly 200 credit cards available in Canada. This database is updated on a quarterly basis with information supplied by credit card issuing companies.

Information in the database is published every quarter on the website of the Financial Consumer Agency of Canada (FCAC). Information in the database is published in two formats. It is available in PDF comparison tables that break down the information according to the type of credit card, allowing the reader to compare the features of, for example, all the student credit cards in the database.

The database also feeds into an interactive tool on the FCAC website. [87] The interactive tool uses several interview-type questions to build a profile of the user's credit card usage habits and needs, eliminating unsuitable choices based on the profile, so that the user is presented with a small number of credit cards and the ability to carry out detailed comparisons of features, reward programs, interest rates, etc.

Credit cards in ATMs [ edit ] Acceptance mark at an automated teller machine Many credit cards can be used in an ATM to withdraw money against the credit limit extended to the card, but many card issuers charge interest on cash advances before they do so on purchases. The interest on cash advances is commonly charged from the date the withdrawal is made, rather than the monthly billing date. Many card issuers levy a commission for cash withdrawals, even if the ATM belongs to the same bank as the card issuer.

Merchants do not offer cashback on credit card transactions because they would pay a percentage commission of the additional cash amount to their bank or merchant services provider, thereby making it uneconomical. Discover is a notable exception to the above. A customer with a Discover card may get up to $120 cashback if the merchant allows it. This amount is simply added to the card holder's cost of the transaction and no extra fees are charged as the transaction is not considered a cash advance.

Many credit card companies will also when applying payments to a card, do so, for the matter at hand, at the end of a billing cycle, and apply those payments to everything before cash advances.

For this reason, many consumers have large cash balances, which have no grace period and incur interest at a rate that is (usually) higher than the purchase rate, and will carry those balances for years, even if they pay off their statement balance each month. Acceptance mark [ edit ] An acceptance mark is a logo or design that indicates which card schemes an ATM or merchant accepts.

Common uses include decals and signs at merchant locations or in merchant advertisements. The purpose of the mark is to provide the cardholder with the information where his or her card can be used. An acceptance mark differs from the card product name (such as American Express Centurion card, Eurocard), as it shows the card scheme (group of cards) accepted.

An acceptance mark however corresponds to the card scheme mark shown on a card. An acceptance mark is however not an absolute guarantee that all cards belonging to a given card scheme will be accepted. On occasion cards issued in a foreign country may not be accepted by a merchant or ATM due to contractual or legal restrictions.

Credit cards as funding for entrepreneurs [ edit ] Credit cards are a risky way for entrepreneurs to acquire capital for their start ups when more conventional financing is unavailable.

Len Bosack and Sandy Lerner used personal credit cards [88] to start Cisco Systems. Larry Page and Sergey Brin's start up of Google was financed by credit cards to buy the necessary computers and office equipment, more specifically "a terabyte of hard disks".

[89] [ failed verification] Similarly, filmmaker Robert Townsend financed part of Hollywood Shuffle using credit cards. [90] Director Kevin Smith funded Clerks in part by maxing out several credit cards.

[91] Actor Richard Hatch also financed his production of Battlestar Galactica: The Second Coming partly through his credit cards. Famed hedge fund manager Bruce Kovner began his career (and, later on, his firm Caxton Associates) in financial markets by borrowing from his credit card.

U.K. entrepreneur James Caan (as seen on Dragons' Den) financed his first business using several credit cards. Alternatives [ edit ] Modern alternatives to credit cards are debit cards, mobile payments, cryptocurrencies, pay-by-hand, and buy now, pay later. See also [ edit ] • Charge card • Payment card • Purchasing card • Accountable fundraising • Card (disambiguation) • Credit card hijacking • Credit rating agency • Credit reference agency • Compulsive shopping • Dynamic currency conversion, or DCC • Electronic money • Fair Credit Reporting Act • Identity theft • International Card Manufacturers Association References [ edit ] • ^ O'Sullivan, Arthur; Steven M.

Sheffrin (2003). Economics: Principles in action (Textbook). Upper Saddle River, New Jersey: Pearson Prentice Hall. p. 261. ISBN 0-13-063085-3. • ^ a b "The 10 most exclusive credit cards in the world". finder.com. 26 September 2017 . Retrieved 13 October 2021. {{ cite web}}: CS1 maint: url-status ( link) • ^ "Top 10 payment cards made out of unusual materials". Payspace Magazine. 18 August 2020. Archived from the original on 29 September 2020 . Retrieved 13 October 2021.

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• ^ "30 Years Later, the Searing Critiques of Hollywood Shuffle Still Sting". Vanity Fair. 20 March 2017. Retrieved 24 January 2022. • ^ "Kevin Smith: how we made Clerks". Retrieved 28 January 2020. Further reading [ edit ] • Klein, Lloyd. It's in the cards: consumer credit and the American experience (Greenwood Publishing Group, 1999); • Lee, Jinkook, and Kyoung‐Nan Kwon. "Consumers’ use of credit cards: Store credit card usage as an alternative payment and financing medium." Journal of Consumer Affairs 36.2 (2002): 239-262.

• Mandell, Lewis. The credit card industry: a history (Twayne Publishers, 1990). • Manning, Robert D. Credit card nation: The consequences of America's addiction to credit (Basic Books, 2001). • Marron, Donncha. Consumer credit in the United States: A sociological perspective from the 19th century to the present (Palgrave Macmillan, 2009). • Montgomerie, Johnna. "The financialization of the American credit card industry." Competition & Change 10#3 (2006): 301–319.

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Unsourced material may be challenged and removed. Find sources: "Interbank network" – news · newspapers · books · scholar · JSTOR ( February 2008) ( Learn how and when to remove this template message) ( Learn how and when to remove this template message) An interbank network, also known as an ATM consortium or ATM network, is a computer network that enables ATM cards issued by a financial institution that is a member of the network to be used to perform ATM transactions through ATMs that belong to another member of the network.

However, the functions which may be performed at the network ATM vary. For example, special services, such as the purchase of mobile phone airtime, may be available to own-bank but not to network ATM cardholders. Furthermore, the network ATM owner may charge a fee for use of network cards (in addition to any fees imposed by the own-bank). Interbank networks enable ATM cardholders to have access to ATMs of other banks that are members of the network when their own bank's ATM is unavailable.

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This is especially convenient for travelers traveling abroad, where multinational interbank networks, like Plus limit transfer m banking bca Cirrus, are widely available.

Interbank networks also permit, through different means, the use of ATM cards at a point of sale through the use of a special EFTPOS terminal where ATM cards are treated as debit cards. Contents • 1 Around the world • 1.1 Major economies • 1.2 Brazil • 1.3 Caribbean • 1.4 Germany • 1.5 Indonesia • 1.6 Japan • 1.7 Philippines • 1.8 Portugal • 1.9 Sri Lanka • 1.10 United States • 2 See also • 3 References Around the world [ edit ] Major economies [ edit ] Major economy Interbank network name Real-time gross settlement payment system Australia Electronic Funds Transfer at Point Of Sale (EFTPOS) Reserve Bank Information & Transfer System (RITS) Canada Interac Large Value Transfer System (LVTS) China China UnionPay China National Advanced Payment System (CNAPS) France Groupement des cartes bancaires CB EBA Clearing (Euro1), Trans-European Automated Real-time Gross Settlement Express Transfer System ( TARGET2) Germany Girocard EBA Clearing (Euro1), Trans-European Automated Real-time Gross Settlement Express Transfer System ( TARGET2) Italy Bancomat EBA Clearing (Euro1), Trans-European Automated Real-time Gross Settlement Express Transfer System ( TARGET2) India National Financial Switch (NFS), Banks ATM Network and Customer Services (BANCS), Cashnet, CashTree, RuPay Reserve Bank of India - Real Time Gross Settlement ( RBI-RTGS) Nigeria Interswitch National Interbank Settlement Scheme (NIBSS) Japan Yucho Bank of Japan Financial Network System (BOJ-NET) South Africa SASWITCH ( BankservAfrica) South African Multiple Option Settlement (SAMOS) United Kingdom LINK Clearing House Automated Payment System (CHAPS) United States Allpoint, New York Currency Exchange (NYCE), Pulse, STAR, MoneyPass Clearing House Interbank Payments System (CHIPS), Fedwire The payment card industry (PCI) denotes the debit, credit, prepaid, e-purse, ATM, and POS cards and associated businesses.

Major brands used by the above interbank networks list by asset value. Card brand Total assets (US$ billion) [ citation needed] China Union Pay 208 American Express 153 Discover Financial Services 69 Visa International 40 MasterCard Worldwide 14 Japan Credit Bureau 11 Brazil [ edit ] In Brazil, the major interbank network is the Banco24Horas network.

Caribbean [ edit ] In the Caribbean, the major interbank network is the ATH network. Most banks issue dual ATH and MasterCard/Visa cards, using the ATH network for ATM transactions and MasterCard/Visa for EFTPOS transactions. Some banks (such as BanReservas) issue ATH-only cards which use the ATH network for both ATM and EFTPOS transactions. Germany [ edit ] Main article: Girocard In Germany Girocard interbank network provides debit card service connecting virtually all German ATMs and banks.

Indonesia [ edit ] In Indonesia, there are a number of ATM networks. Transfers between accounts is also possible by using these networks, even to an account in a different network; all one needs is the Bank code of the destination bank and the account number. • ALTO is one of the earliest ATM networks. • ATM Bersama. • Link is a network that consists of 4 state owned banks: Limit transfer m banking bca Mandiri, Bank Rakyat Indonesia, Bank Negara Indonesia, and Bank Tabungan Negara.

• PRIMA, with BCA ( Bank Central Asia) as one of its well-known members. It is also capable of doubling as an EFTPOS (Electronic Funds Transfer at Point of Sale) network by using BCA's own EFTPOS network (Debit BCA). Japan [ edit ] There are many Electronic funds transfer interbank networks in Japan.

• Major networks include BANCS (urban bank) and YUCHO ( Japan Post Bank). • Minor networks include ACS (local bank), SOCS (trust bank), LONGS (long term bank), SCS (secondary local bank), SINKIN-NETCASH ( Shinkin bank), SANCS (credit union), ROCS ( Labour Bank), and JABANK-NET ( Norinchukin Bank).

Inter-network banking funds transfer is case-by-case. Yucho is the only network that accepts cards from worldwide networks such as Cirrus and PLUS. [1] Philippines [ edit ] Main article: BancNet BancNet (also spelled Bancnet) is a Philippine-based interbank network connecting the ATM networks of local and offshore banks, and the largest interbank network in the Philippines in terms of the number of member banks and annual transactions.

BancNet is also the exclusive gateway of China's UnionPay, allowing access to the nearly 1 billion ATM cardholders from the People's Republic of China. BancNet is allied with global payment brand JCB International. Through this alliance, JCB cardholders can limit transfer m banking bca do cash advances at participating BancNet member ATMs nationwide. Bancnet interconnects with international card networks Diners Club, Discover Card, KFTC, MasterCard, and VISA BancNet serves more than 41 million ATM cardholders of its 114 members and affiliates with over 12,000 ATMs and more than 5,000 POS terminals.

In 2008, ExpresNet outsourced its ATM operations to BancNet. On January 30, 2015, BancNet and MegaLink announced their merger and will retain itself as its brand. Portugal [ edit ] Main article: Multibanco Multibanco is the single unified interbank network in Portugal, that links the ATMs of all Portuguese banks. This network has existed since 1985 and is owned by SIBS ( Sociedade Interbancária de Serviços).

Multibanco is a fully integrated interbank network and offers many more services than those usually found in other countries' networks. Multibanco also has a full-fledged EFTPOS network, the Multibanco Automatic Payment, and is also a provider of mobile phone and Internet banking services through the TeleMultibanco and MBNet services, respectively. It is also the provider of the Via Verde electronic toll collection service.

Sri Lanka [ edit ] Main article: LankaPay Launched under the brand name LankaPay in July 2013, the Common Card and Payment Switch (CCAPS) is the first phase of creating a more robust, efficient, and secure payment infrastructure for Sri Lanka. The Central Bank of Sri Lanka has since approved the CCAPS as Sri Lanka's "National Payment Switch".

[2] United States [ edit ] Due to the historically fragmented nature of banking limit transfer m banking bca the United States, there have been a large number of small banks, which resulted in a number of different interbank networks being established, mostly along geographic lines.

These started to consolidate from the mid 1980s, resulting in three major interbank networks which, by 2003, had over 70% of the volume in the United States: [3] • STAR • NYCE • Pulse 2003 saw the founding of two additional interbank ATM networks: • Allpoint • MoneyPass See also [ edit ] • Bancomat • BC Card • BCA Card • Cabcharge • Carte Bleue (CB) • Dankort • Discover • Diners Club • Pulse • EFTPOS • Electronic Payment Services (EPS) • Elo • European Payments Initiative (EPI) • Forbrugsforeningen • Girocard • Isracard • JCB • Mir • MEPS • Meeza • NETS • PayPak • RuPay • Troy • UnionPay • UATP • V Pay • Verve Defunct cards • 1LINK • ALTO • atm 5 • ATM Bersama • BancNet • Clearing House Automated Transfer System/CHATS • Dutch Bangla Bank Nexus • Encash Network Service • Electronic Payment Services (EPS) • EZ-Link • Faster Payment System (FPS) • Isracard • JETCO • LankaPay • Link • MEPS • MEPS+ • MNET • MyClear • Nationlink • NETS • PRIMA/ ATM BCA • Saudi Payments Network • Shetab Banking System • SLIPS • The Benefit Company • Treats/ ATM BNI • UnionPay • Yucho India • Allied Irish Banks Banklink • Bancomat • Bancontact • Eufiserv • Euronet Worldwide • European Payments Initiative • Girocard • Bankcard-Servicenetz • Cash Group • CashPool • Carte Bleue • KoronaPay • LINK • Multibanco • Otto.

• Sbercard • Single Euro Payments Area • Sistema de Tarjetas y Medios de Pago • Vocalink North America • Acculink • Alberta Regional Network • Armed Forces Financial Network • ATH • CarIFS • CO-OP Financial Services • Discover Network • Pulse • TYME • FIS • NYCE • SUM • fiserv • Accel / The Exchange • MoneyPass • First Data • STAR • Interac • NCR • Cardtronics • Allpoint • Visa • Interlink • Jeanie • Presto!

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