Complete Guide on How to Transfer from BCA to DANA via ATM, Mobile Banking, and KlikBCA
In today's digital era, transferring money between financial platforms such as from BCA to DANA has become an everyday necessity. Whether for business or personal purposes, a quick and easy transfer process is highly needed. Many BCA users also use DANA as a digital wallet for various online transactions. This article will provide a complete guide on how to transfer from your BCA account to DANA through various methods, along with information on admin fees and important tips.
In this article, you will learn various methods to transfer funds from your BCA account to your DANA account quickly and efficiently. We will discuss detailed steps for transfers through BCA Mobile, BCA ATM, and KlikBCA.
Understanding the Concept of BCA to DANA Transfers
Transferring from a BCA account to a DANA account is essentially the process of sending money from a conventional bank account to a digital wallet. To perform this transfer, you need to understand several basic concepts first.
Bank Code and DANA Virtual Account
DANA uses a virtual account system with bank code 3901. When transferring from BCA to DANA, you must enter code 3901 followed by the phone number registered to your DANA account. For example, if your phone number is 081234567890, then the virtual account number to be entered is 3901081234567890.
Admin Fees and Transfer Terms
Each transfer from BCA to DANA incurs admin fees that vary depending on the method used. The admin fee for topping up DANA from BCA is free for up to 20 top-ups, with a minimum balance of Rp50,000. After 20 transactions, an admin fee of Rp500 per transaction will be charged.
Minimum and Maximum Transfer Limits
The minimum transfer limit from BCA to DANA is generally Rp10,000. Meanwhile, the maximum transfer limit depends on the type of BCA account you have and the daily limit that has been set. For regular BCA users, the transfer limit usually reaches Rp50,000,000 per day.
How to Transfer from BCA to DANA via BCA Mobile
BCA Mobile has become the most practical and widely used method for transfers from BCA to DANA. Here are the detailed steps:
Preparation Before Transfer
Before making a transfer, ensure:
- The BCA Mobile application is installed and activated
- Your BCA account balance is sufficient (including for admin fees)
- The phone number registered with DANA is still active
Detailed Transfer Steps
- Open the BCA Mobile application on your smartphone
- Log in with your PIN or biometric authentication
- Select the "m-Transfer" menu
- Choose "Transfer to Other Bank"
- Select "Online Transfer"
- Enter the DANA bank code 3901
- Enter the phone number registered with your DANA
- Enter the amount of money you want to transfer
- Add transfer notes if needed
- Double-check all information that has been entered
- Tap "Send" to continue
- Enter your m-BCA PIN to confirm the transaction
Transaction Confirmation and Verification
After entering your PIN, BCA Mobile will display a confirmation page containing transaction details including admin fees. Recheck all information and ensure the transfer destination and amount are correct. Tap "OK" to confirm the transaction and complete the process.
Transfer Processing Time
Transfers from BCA to DANA via BCA Mobile are usually processed instantly or within minutes. However, during peak hours or weekends, processing time may be slightly longer.
BCA to DANA Transfer Method via ATM
For those who are more comfortable using ATMs, here's how to transfer from BCA to DANA through an ATM machine:
Document and ATM Card Preparation
Prepare your BCA ATM card and make sure you remember your PIN correctly. Also ensure that you know the phone number registered to your DANA account.
Transfer Steps at the ATM Machine
- Insert your BCA ATM card into the ATM machine
- Enter your ATM PIN
- Select the "Other Transactions" menu
- Select "Transfer"
- Choose "To Other Banks"
- Enter the DANA bank code (3901) and the phone number registered with DANA
- Enter the amount of money you want to transfer
- Double-check the information displayed on the screen
- Confirm the transaction if all information is correct
Tips to Avoid Input Errors
- Pay attention to the writing format: bank code (3901) + DANA phone number
- Double-check the phone number before confirmation
- If in doubt, cancel the transaction and start over
- Don't rush when entering your PIN and transfer information
How to Print Transfer Receipt
After confirmation, the ATM will ask if you want to print a transfer receipt. Always select "Yes" to get a transfer receipt as a reference in case of problems. Keep the transfer receipt until you confirm that the funds have been received in your DANA account.
Transfer from BCA to DANA via KlikBCA
KlikBCA is an internet banking platform that can also be used to transfer to DANA. This method is suitable for those who prefer to access their accounts via computer.
KlikBCA Account Preparation
Make sure you already have an active KlikBCA account and have a KeyBCA or token for transaction authorization.
Transfer Steps on the KlikBCA Platform
- Open the KlikBCA website (klikbca.com) and log in
- Select the "Fund Transfer" menu
- Choose "Transfer to Other Banks"
- Select your source account
- Enter the DANA bank code (3901)
- Enter the phone number registered with DANA
- Enter the transfer amount
- Add message/notes (optional)
- Click "Continue"
- Enter the KeyBCA or token response for authorization
- Confirm the transaction
Transaction Verification and Confirmation
After entering the KeyBCA or token response, the system will display a confirmation page. Check the transaction details carefully and click "Send" if all information is correct.
Advantages of Using KlikBCA
- More comprehensive and detailed interface
- Easier to view transaction history
- Reminder features and scheduled transactions
- Additional security with token devices
Comparison of Speed and Costs Between Methods
Resolving Common Issues When Transferring from BCA to DANA
Solutions When Transfers Fail or Are Delayed
If a transfer fails or is delayed, steps that can be taken:
- Check your BCA account balance
- Ensure the destination number (DANA virtual account) is correct
- Check the transaction status in BCA transaction history
- Wait 1-2 hours for the system to process the transaction
How to Track Transfer Status
To track transfer status:
- In BCA Mobile: open the "Transaction History" menu
- At ATM: print "Recent Transaction History"
- In KlikBCA: check the "Account Mutation" menu
Customer Service Contacts
If problems persist, contact:
- Halo BCA: 1500888
- DANA Customer Service: 1500445 or email cs@dana.id
Refund Application Steps
- If funds have been debited but not received in DANA:
- Prepare transfer receipt and transaction details
- Contact Halo BCA to report the problem
- Follow instructions from officers for refund application
- The refund process typically requires 7-14 business days
Conclusion
Transferring from BCA to DANA is a relatively easy process and can be done through various methods. By understanding the proper steps, you can transfer safely and efficiently. It's important to always pay attention to admin fees and choose the method that best suits your needs.
The BCA Mobile method might be more practical for everyday use, while ATM remains an option for those not yet familiar with digital banking. With this guide, we hope you can transfer from BCA to DANA without constraints and enjoy the convenience of digital financial transactions.
FAQ
What is the bank code for transferring from BCA to DANA?
For transfers from BCA to DANA, you need to use the DANA virtual account code, which is 3901, followed by the phone number registered to your DANA account. For example, if your phone number is 081234567890, then the virtual account number to be entered is 3901081234567890.
What is the admin fee for transferring from BCA to DANA?
The admin fee for transfers from BCA to DANA varies depending on the method used. The admin fee for topping up DANA from BCA is free for up to 20 top-ups, with a minimum balance of Rp50,000. After 20 transactions, an admin fee of Rp500 per transaction will be charged.
How long does it take to transfer from BCA to DANA?
Transfers from BCA to DANA are generally processed instantly or within minutes. However, during peak hours or weekends, processing time may be slightly longer, usually not more than 30 minutes. If it takes longer than that, you should contact BCA or DANA customer service.
What are the minimum and maximum transfer limits from BCA to DANA?
The minimum transfer limit from BCA to DANA is generally Rp10,000, while the maximum transfer limit depends on the type of BCA account you have and your daily transaction limit. For regular BCA users, the transfer limit usually reaches Rp50,000,000 per day, but you can adjust this limit according to your needs.
How to avoid admin fees when transferring from BCA to DANA?
To avoid or reduce admin fees, you can take advantage of the free first 20 transactions when topping up DANA from BCA with a minimum balance of Rp50,000. Additionally, you can also combine several small transactions into one larger transaction to reduce the total admin fees that must be paid.
