Question 1

What is Bank BCA Syariah?

Accepted Answer

Bank BCA Syariah is a subsidiary of PT Bank Central Asia Tbk, operating as a full-fledged Islamic commercial bank in Indonesia. As a Bank Umum Syariah (Sharia Commercial Bank), it conducts all banking operations according to Islamic principles. With 76 branch networks across Indonesia and access to over 19,000 BCA ATMs as of December 2023, the bank serves both individual and business customers seeking Shariah-compliant banking services.

The bank is wholly owned by BCA Group, with PT Bank Central Asia Tbk holding 99.99995% of shares and PT BCA Finance holding 0.00005%. Bank BCA Syariah aims to be a pioneer in Indonesia's Islamic banking industry, excelling in payment settlement, fund raising, and financing services.

Question 2

When was Bank BCA Syariah founded?

Accepted Answer

Bank BCA Syariah has its origins dating back to May 1991, when it was originally established as PT Utama International Bank by the Tjahyadikarta family as a conventional commercial bank. In 1996, the bank changed its name to PT Bank UIB.

The transformation into an Islamic bank began in October 2008, when Bank Central Asia (BCA) acquired 100% of the bank's shares for Rp 242 billion. Following the acquisition, the bank underwent a conversion from conventional banking to Islamic banking operations. On March 2, 2010, the bank received approval from Bank Indonesia through Governor's Decision No. 12/13/KEP.GBI/DpG/2010 to change its business activities from conventional banking to Shariah-based banking.

Bank BCA Syariah officially commenced operations as a Sharia commercial bank on Monday, April 5, 2010. This date marks the beginning of its current identity as Indonesia's Islamic banking subsidiary of BCA Group.

Question 3

Where is Bank BCA Syariah headquartered?

Accepted Answer

Bank BCA Syariah is headquartered in Jakarta Timur (East Jakarta), DKI Jakarta, Indonesia. The head office is located at Jl. Jatinegara Timur No. 72, Jakarta 13310. The bank's customer service center can be reached through Halo BCA at 1500888, which also serves BCA Group's conventional banking operations.

Question 4

Where does Bank BCA Syariah operate?

Accepted Answer

Bank BCA Syariah operates throughout Indonesia with its branch network strategically distributed across major cities and regions. As of December 2023, the bank maintains 76 branch networks comprising 14 main branch offices (Kantor Cabang Utama), 18 sub-branch offices (Kantor Cabang Pembantu), and 44 Sharia service units.

The bank's presence spans across key urban centers including DKI Jakarta, Tangerang, Bogor, Depok, Bekasi, Surabaya, Semarang, Bandung, Solo, Yogyakarta, Medan, Palembang, Malang, Lampung, Banda Aceh, Kediri, Pasuruan, Banyuwangi, and Panakkukang (Makassar). The bank's first branch office outside Java was opened in Medan, Sumatra in January 2017, followed by its first Sulawesi branch in Makassar in July 2018.

Beyond physical branches, Bank BCA Syariah customers enjoy access to the extensive BCA network infrastructure, including over 19,000 ATMs and hundreds of thousands of EDC (Electronic Data Capture) machines throughout Indonesia, all without fees for BCA Syariah customers.

Question 5

What services does Bank BCA Syariah offer?

Accepted Answer

Bank BCA Syariah provides comprehensive Shariah-compliant banking services across multiple segments:

Savings and Deposit Products: The bank offers various Islamic savings accounts including Tahapan iB (based on Wadiah or Mudharabah principles), Tahapan Rencana iB (investment savings with Mudharabah principle), Tahapan Mabrur iB (savings specifically designed for Hajj and Umrah pilgrimage planning based on Mudharabah Mutlaqoh principle), and Simpanan Pelajar (SimPel) iB for students. Time deposits following Sharia principles are also available.

Financing Products: The bank provides various financing solutions including KPR iB (Islamic home financing), KKB iB (vehicle financing), Pembiayaan Modal Kerja iB (working capital financing for businesses), and Pembiayaan Emas iB (gold investment financing). In March 2017, the bank launched specialized Umrah financing services.

Digital Banking Services: Bank BCA Syariah offers robust digital platforms including BSya mobile banking application (launched as the successor to BCA Syariah Mobile in 2024), which features biometric authentication, comprehensive transaction capabilities, and Islamic features such as prayer time schedules, Qibla direction finder, and automated Zakat deduction. The bank also provides Klik BCA Syariah internet banking (launched October 2017) and various self-service options including cardless cash withdrawal, QRIS payments, and e-Wallet top-up services.

Transaction and Payment Services: Customers can perform transfers through various channels including online transfers, BI-FAST instant transfers, SKN (National Clearing System), and RTGS (Real-Time Gross Settlement). The bank supports virtual account payments, bill payments, mobile phone top-ups, PLN electricity payments, train ticket purchases, and integration with multiple e-Wallets including support for Flazz card top-ups.

Islamic Financial Services: The bank offers Zakat, Infaq, and Sedekah (charitable giving) services through partnerships with selected Islamic charitable organizations. Special services include Hajj savings setoran (deposits) and RTJH (Haji Regular Travel Information) tracking.

Question 6

What makes Bank BCA Syariah unique?

Accepted Answer

Bank BCA Syariah distinguishes itself through several key features that set it apart in Indonesia's Islamic banking landscape:

Extensive Network Integration: Customers benefit from seamless integration with BCA Group's infrastructure, enabling fee-free access to over 19,000 BCA ATMs and hundreds of thousands of EDC machines across Indonesia. This gives Bank BCA Syariah customers one of the widest ATM networks among Islamic banks in the country, while maintaining full Shariah compliance.

Digital Innovation with Islamic Values: The bank's BSya mobile banking application uniquely combines modern fintech capabilities with Islamic lifestyle features. Beyond standard banking transactions, the app integrates prayer time reminders, Qibla direction finder, and seamless Zakat automation, positioning itself as a comprehensive Islamic lifestyle banking solution rather than just a financial app.

BSya Reward Loyalty Program: The bank operates a distinctive loyalty program that rewards customers based on their average monthly balance across all Tahapan iB accounts, with different reward levels providing various benefits, encouraging long-term customer relationships.

Comprehensive Islamic Pilgrimage Support: Bank BCA Syariah offers specialized end-to-end services for Muslim customers planning Hajj and Umrah, including dedicated savings products (Tahapan Mabrur iB), financing options specifically for Umrah travel (launched March 2017), and direct integration with RTJH (Regular Hajj Travel Information) for seamless Hajj cost management.

Strategic Growth Through Consolidation: In December 2020, Bank BCA Syariah absorbed Bank Interim Indonesia through a corporate merger action, demonstrating its commitment to inorganic growth strategies and expanding its customer base and market presence in the Islamic banking sector.

Question 7

What type of financial institution is Bank BCA Syariah?

Accepted Answer

Bank BCA Syariah operates as a Bank Umum Syariah (Sharia Commercial Bank) in Indonesia. This classification is specific to Indonesian banking regulations and represents a full-fledged commercial bank that conducts all operations strictly according to Islamic Shariah principles as supervised by the Dewan Pengawas Syariah (Shariah Supervisory Board).

As a Bank Umum Syariah, the institution is authorized to provide comprehensive banking services including deposits, financing, and payment services, but differs from conventional banks by operating under Islamic finance principles such as profit-sharing (Mudharabah), safekeeping (Wadiah), and cost-plus financing (Murabahah), while prohibiting interest (riba), excessive uncertainty (gharar), and gambling (maisir).

The bank holds a Non-Devisa Bank status, as indicated in regulatory filings with Indonesia's Financial Services Authority (OJK). It operates under banking license number 536 and SWIFT code BSYAIDJA. Bank BCA Syariah is regulated by OJK and Bank Indonesia, with additional oversight by its internal Shariah Supervisory Board to ensure all products and operations remain compliant with Islamic law.

Question 8

How many employees does Bank BCA Syariah have?

Accepted Answer

As of December 2023, Bank BCA Syariah employs 771 people, consisting of 618 permanent employees and 153 contract workers. The bank operates with zero foreign workers, maintaining an entirely Indonesian workforce. This represents the human resources capacity supporting the bank's 76 branch networks and digital banking operations across Indonesia.

Question 9

What is the ownership structure of Bank BCA Syariah?

Accepted Answer

Bank BCA Syariah is a subsidiary of PT Bank Central Asia Tbk (BCA), one of Indonesia's largest and most prominent banks. The ownership structure is highly concentrated within the BCA Group, with PT Bank Central Asia Tbk holding 99.99995% of shares and PT BCA Finance holding the remaining 0.00005%.

The bank maintains an authorized capital (Modal Dasar) of Rp 5 trillion and issued and fully paid-up capital (Modal Ditempatkan dan Disetorkan Penuh) of approximately Rp 2.255 trillion. As of 2023, the bank reported total assets of Rp 14.472 trillion and total equity of Rp 3.083 trillion. Bank BCA Syariah's shares are not listed or traded on the Indonesia Stock Exchange (Bursa Efek Indonesia), remaining a privately held subsidiary within the BCA Group structure.

Bank BCA Syariah

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About Bank BCA Syariah in Indonesia