Blue BCA APK: A New Way to Manage Your Finances
If you are looking for a digital banking app that offers convenience, security, and rewards, you might want to check out the blue bca apk. This is an app developed by BCA Digital, a subsidiary of Bank Central Asia (BCA), one of the largest banks in Indonesia. The blue bca apk is designed to cater to the needs of modern customers who want to have more control over their financial goals and transactions. In this article, we will review the features, benefits, and drawbacks of the blue bca apk, and how you can download and use it.
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What is the blue bca apk?
The blue bca apk is an Android app that allows you to open a digital bank account, save money, open deposits, make online payments, and access other financial services from BCA. The app is available for free on the Google Play Store, and you can register using your phone number and national identity number (NIK). You do not need to visit a branch or fill out any paperwork to open an account.
Features of the blue bca apk
The blue bca apk offers a range of features that make it easy and fun to manage your finances. Some of the features are:
bluAccount
This is your main digital bank account that you can use to store and transfer money. You can have up to 20 bluAccounts in one app, each with a different name and purpose. For example, you can have a bluAccount for your daily expenses, another one for your savings goal, and another one for your emergency fund. You can also customize the color and icon of each bluAccount.
bluSaving
This is a feature that helps you save money automatically by rounding up your transactions to the nearest thousand or ten thousand rupiah. For example, if you spend 12,500 rupiah on a coffee, the app will round it up to 13,000 rupiah and transfer the difference (500 rupiah) to your bluSaving account. You can also set up recurring transfers or challenges to boost your savings.
bluGether
This is a feature that allows you to pool money with up to 25 people online. You can use this feature to split bills, collect donations, or save for a common goal. You can invite people to join your bluGether group using a QR code or a link. You can also track the progress and transactions of each member in the group.
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bluDeposit
This is a feature that allows you to open a deposit account with a minimum amount of 1 million rupiah. You can choose from various tenors ranging from 1 month to 12 months. You can also withdraw your deposit before the maturity date without any penalty fee.
bluPay
This is a feature that allows you to make online payments using QRIS (Quick Response Code Indonesian Standard). You can scan any QRIS code from any merchant or platform using your camera or gallery. You can also generate your own QRIS code to receive payments from others.
bluVirtual Card
This is a feature that allows you to create a virtual debit card that you can use for online shopping from local or international websites. You can set the limit and expiry date of each card according to your preference. You can also freeze or delete the card anytime.
bluRewards
This is a feature that rewards you with free transactions every month based on your average portfolio balance (bluAccount + bluSaving + bluGether + bluDeposit). You can get up to 20 free transfers to other banks (online/LLG) or 5 free top-ups for GoPay or OVO every month.
<h bluSupport
This is a feature that allows you to contact the customer service of BCA Digital via chat, phone, or email. You can also access the FAQ section, the terms and conditions, and the privacy policy of the app from this feature.
Benefits of the blue bca apk
The blue bca apk offers several benefits for its users, such as:
Convenience
You can access all the financial services you need from your smartphone anytime and anywhere. You do not need to carry cash, cards, or visit a branch to perform transactions. You can also manage multiple accounts and goals in one app.
Security
You can protect your account with a PIN, fingerprint, or face recognition. You can also monitor your transactions and balance in real-time. You can also report any issues or disputes easily through the app.
Rewards
You can enjoy free transactions, discounts, cashbacks, and other perks from BCA and its partners. You can also earn interest on your savings and deposits. You can also join various programs and campaigns to win prizes and bonuses.
Drawbacks of the blue bca apk
The blue bca apk also has some drawbacks that you should be aware of, such as:
Limited services
The blue bca apk does not offer some services that are available in the regular BCA app or website, such as credit cards, loans, investments, insurance, or e-wallets. You also cannot link your existing BCA account to the blue bca apk.
Technical issues
The blue bca apk may experience some technical issues such as bugs, errors, crashes, or slow loading. You may also encounter some problems with the verification process, the QRIS payment, or the virtual card activation. You may need to update the app regularly or contact the customer service for assistance.
Competition
The blue bca apk faces competition from other digital banking apps in Indonesia, such as Jenius, Digibank, OVO, GoPay, Dana, LinkAja, and others. These apps may offer similar or better features, benefits, or rewards than the blue bca apk. You may need to compare and choose the best app for your needs and preferences.
How to download and use the blue bca apk?
If you are interested in trying out the blue bca apk, you can follow these steps:
Download the app
You can download the app from the Google Play Store by searching for "blue bca" or scanning this QR code:
You can also download the app from other sources, but make sure they are safe and reliable.
Register your account
After you install the app, you need to register your account by entering your phone number and national identity number (NIK). You will receive a verification code via SMS that you need to enter in the app. You will also need to create a PIN and set up your biometric authentication (fingerprint or face recognition).
Create your bluAccount
After you register your account, you will automatically have one bluAccount with a default name and color. You can change them according to your preference. You can also create more bluAccounts for different purposes by tapping on the "+" icon on the home screen.
Top up your balance
To start using your bluAccount, you need to top up your balance by transferring money from another bank account or an e-wallet (GoPay or OVO). You can do this by tapping on the "Top Up" button on the home screen and choosing your preferred method. You will see a QR code or an account number that you need to scan or input in the other app or website. You will receive a confirmation message once the transfer is successful.
Use the features
Once you have your balance, you can start using the features of the blue bca apk. You can save money with bluSaving, open deposits with bluDeposit, make payments with bluPay, create virtual cards with bluVirtual Card, and join groups with bluGether. You can also access your rewards, support, and settings from the menu bar.
Conclusion
The blue bca apk is a digital banking app that offers convenience, security, and rewards for its users. It allows you to open a digital bank account, save money, open deposits, make online payments, and access other financial services from BCA. It also has some drawbacks, such as limited services, technical issues, and competition. You can download and use the app for free from the Google Play Store or other sources.
FAQs
What are the requirements to use the blue bca apk?
You need to have an Android device with Android 5.0 or higher, a phone number, a national identity number (NIK), and an internet connection.
Is the blue bca apk safe and secure?
The blue bca apk is safe and secure as it uses encryption, authentication, and verification methods to protect your data and transactions. You can also lock your app with a PIN, fingerprint, or face recognition.
How can I contact the customer service of BCA Digital?
You can contact the customer service of BCA Digital via chat, phone, or email from the bluSupport feature in the app. You can also access the FAQ section, the terms and conditions, and the privacy policy of the app from this feature.
How can I update or delete my account or data in the blue bca apk?
You can update your personal information, change your PIN, or delete your account or data from the settings feature in the app. You may need to verify your identity or enter your PIN before making any changes.
How can I give feedback or suggestions for the blue bca apk?
You can give feedback or suggestions for the blue bca apk by rating and reviewing it on the Google Play Store or by sending an email to feedback@bca.co.id.
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