BCA Digital
BCA Digital is an OJK-licensed Indonesian digital-only bank and wholly-owned subsidiary of BCA, operating the 'blu' mobile banking app for digital-savvy retail consumers, SMEs, and corporations across savings, payments, multi-currency, Sharia, and corporate card products.
- Company typePrivate
- Founded1965
- HeadquartersJakarta, Indonesia
- Headcount101–250
- GTM typeB2B and B2C
- OfferingServices
What BCA Digital does
BCA Digital (legal entity PT. Bank Digital BCA) is an Indonesian digital-only bank operating under the 'blu by BCA Digital' brand and wholly owned by BCA (Bank Central Asia), one of Indonesia's largest private banks. The company delivers a mobile-first banking experience through the blu application, targeting digital-savvy urban millennials and Gen Z consumers with savings, transfers, payments, and lifestyle-integrated financial services. The product portfolio extends beyond core banking into multi-currency savings (bluValas across 8 currencies), Sharia-compliant offerings (bluSharia, digital zakat and kurban via BAZNAS), corporate expense management (Monit x bluCorporate Card), digital gifting (bluGift), and a co-branded airline loyalty debit card (Garuda x bluDebit).
Underlying the front-end is a mobile-first digital banking platform with embedded distribution capabilities via the blUnion integration layer, which allows banking services to be accessed inside partner applications such as CGV without switching contexts. BCA Digital is licensed and supervised by Otoritas Jasa Keuangan (OJK) and participates in the Lembaga Penjamin Simpanan (LPS) deposit-insurance scheme with coverage up to Rp 2,000,000,000 per depositor. The business model combines interest income on digital lending with transaction-based revenue streams including debit-card interchange, digital banking service fees, and embedded payment-processing fees through blUnion partners.
Customer acquisition is product-led and self-serve, supported by an organic social presence across Twitter, Instagram, TikTok, YouTube, LinkedIn, and Facebook, supplemented by partner-driven referral flows. The customer base spans retail consumers, SMEs, and corporations, with strategic partnerships anchoring ecosystem expansion in entertainment (CGV), aviation loyalty (Garuda Indonesia), corporate expense (Monit), and Islamic charitable giving (BAZNAS). The company's head office is at The City Tower, Central Jakarta.
BCA Digital firmographics
Firmographics- Name
- BCA Digital
- Legal name
- PT. Bank Digital BCA
- Website
- https://bcadigital.co.id
- Company type
- Private
- Founded year
- 1965
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- BCA Digital is an OJK-licensed Indonesian digital-only bank and wholly-owned subsidiary of BCA, operating the 'blu' mobile banking app for digital-savvy retail consumers, SMEs, and corporations across savings, payments, multi-currency, Sharia, and corporate card products.
- Ownership category
- akta.pro rank
BCA Digital industry classification
Industry- Product category
- Digital Banking
- NAICS
- Commercial Banking (52211), Depository Credit Intermediation (5221)
- SIC
- National Commercial Banks (6021)
- akta.pro primary industry
- A2A Checkout & Merchant Acceptance Solutions (FSAMAFAF)
- akta.pro secondary industry
- Biller Direct EBPP Platforms (FSAMAJAA)
Keywords
Where BCA Digital is headquartered
LocationHeadquarters
- HQ city
- Jakarta
- HQ country
- Indonesia
- HQ region
- Asia
Offices1 record
Markets served
BCA Digital business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure
Revenue model
- Interest Income: Interest earned on loans and advances provided to customers through digital lending products
- Corporate Card Transaction Fees: Fees from corporate debit card transactions including domestic and international payments, cash withdrawals, and interchange fees
- Digital Banking Services: Fees from various digital banking services including transfers, payments, and other financial transactions conducted through the blu app
- Payment Processing: Revenue from processing payments on partner platforms through blUnion integration including merchant fees
Go-to-market motion1 record
Distribution channels4 records
Marketing channels9 records
BCA Digital product offering
Product offeringCore offering
BCA Digital (PT. Bank Digital BCA) operates a digital-only bank in Indonesia under the 'blu by BCA Digital' brand. It offers a mobile-first banking platform providing savings accounts, fund transfers, payments, multi-currency foreign exchange (bluValas) across 8 currencies, corporate debit cards (bluCorporate Card), Sharia-compliant services, and digital gifting via the blu mobile application, with embedded banking integrations through its blUnion platform.
Product overview
BCA Digital operates blu by BCA Digital as its primary consumer-facing digital banking platform — a mobile-first application offering a comprehensive suite of financial services. The ecosystem includes multiple card products (bluVirtual Card, bluDebit Card, Garuda x bluDebit Card, bluCorporate Card), multi-currency service (bluValas), digital gift transfers (bluGift), and Sharia-compliant banking (bluSharia). Integration platform blUnion enables blu services to be embedded within partner applications. The company also offers bluGiro as a supporting account product for business use cases.
Differentiator
Problem solved
Functional benefit
Brands
- bluCorporate Card: Corporate debit card co-branded with Monit for business expense management.
- bluValas
- bluGift
- bluGiro
Products and services
- blu by BCA Digital BCA Digital's flagship mobile banking application targeting digital-savvy users in Indonesia, providing a full suite of digital banking services including savings accounts, fund transfers, payments, and integrated financial services.
- bluCorporate Card Corporate debit card (physical and virtual) co-branded with Monit, enabling companies to issue employee cards for business expenses with real-time monitoring, customizable transaction limits, and automated expense reporting.
- bluValas Multi-currency savings and transaction feature supporting 8 foreign currencies (SGD, CNH, JPY, HKD, USD, EUR, AUD, GBP) with competitive exchange rates, connected to blu debit cards for seamless overseas spending and ATM withdrawals.
- bluGift Digital monetary gift feature allowing users to send money with customizable greeting cards to recipients who do not need a blu account, delivered via WhatsApp or SMS with link-based claim.
- bluSharia Sharia-compliant banking offering within the blu ecosystem, providing Islamic banking services including digital zakat, infak, sedekah, and kurban aligned with Sharia principles for Muslim customers.
- bluDebit Card Physical debit card issued to blu by BCA Digital customers, enabling ATM withdrawals, POS transactions, contactless payments, and supporting international transactions when linked to bluValas.
- Garuda x bluDebit Card Co-branded debit card with Garuda Indonesia offering GarudaMiles rewards on foreign currency transactions, particularly those processed through bluValas for overseas spending.
- bluGiro Giro account product used as a supporting account for business transactions, including opening corporate accounts for services such as bluCorporate Card.
- blUnion Embedded banking integration platform enabling blu services (banking, payments, balance checks) to be accessed within partner applications such as CGV, without switching apps.
- Kurban Digital Baznas x blu Digital qurban sacrifice service integrated with BAZNAS for transparent kurban management including certificate issuance, animal procurement, slaughter, and distribution tracking.
Quantifiable outcome
- 8 supported foreign currencies for international transactions
- +1 more outcomes
Companies that use BCA Digital
Customer profileNamed customers3 records
Segments3 records
Ideal customer profiles3 records
BCA Digital technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration6 records
Feature6 records
BCA Digital partnerships and signals
Strategic signalPartnerships
Three partnerships are on record, tiered core and minor.
- BAZNAS (Badan Amil Zakat Nasional)coreOfficial partnership for digital kurban and Islamic charitable services. Enables blu users to perform qurban sacrifice through digital platform with BAZNAS managing animal procurement, slaughter, and distribution. Includes official certificate issuance and transparency reports. Also covers digital zakat, infak, and sedekah payments.
- CGV IndonesiaminorMarketing and payment integration partnership enabling CGV app users to select blu as payment method for movie ticket purchases. Part of blUnion platform ecosystem. Includes promotional offers such as double cashback up to Rp30,000 and discounted popcorn.
- PT Monit Teknologi Indonesia (Monit)coreStrategic collaboration to launch Monit x bluCorporate Card, a co-branded corporate debit card integrated with Monit's expense management platform. Enables companies to manage business expenses with real-time monitoring, customizable spending limits, and automated reporting. Available in physical and virtual card formats with contactless international transaction support.
Scale indicators2 records
Recent moves6 records
Expansion highlights5 records
BCA Digital competitors and assessment
Company assessmentDirect peers
- Seabank Indonesia: Digital bank controlled by Sea Group (Shopee). Targets the same digital-savvy Indonesian consumer segment with savings, payments, and e-commerce-integrated banking.
- Bank Jago: Indonesian digital bank (formerly Bank Artos) backed by GoTo (Gojek). Competes head-to-head with BCA Digital in the same digital-first consumer and SME banking segment, offering a mobile app with deposits, payments, and ecosystem integrations.
- Jenius (Bank Digital BTPN): Indonesia's pioneer digital bank, subsidiary of SMBC-owned Bank BTPN. Directly comparable as a digital-only bank targeting urban millennials with mobile savings, payments, and lifestyle features.
- Bank Neo Commerce: Indonesia-licensed digital bank listed on IDX, offering a mobile-first platform with savings, lending, and payment features. Closely comparable product set and customer segment to BCA Digital.
- Allo Bank: Indonesian digital bank affiliated with CT Corp. Targets the same mobile-first consumer market with embedded banking features and lifestyle integrations — comparable in product scope and target customer.
Emerging players
- DANA Indonesia: Leading Indonesian e-wallet/payments platform. While not a deposit-taking bank, it overlaps with BCA Digital on payments, transfers, and merchant acceptance for similar consumer segments.
- OVO: Major Indonesian digital wallet (Lippo/Grab-affiliated). Competes with BCA Digital for digital payments and lifestyle transactions, though lacks full banking deposit products.
Regional players
- KakaoBank: Korean digital-only bank with similar mobile-first model, lifestyle partnerships, and consumer/SME focus. Comparable business model shape though operate in different geography.
- WeBank (Tencent): China's leading digital bank backed by Tencent. Comparable digital-only model with embedded banking via WeChat ecosystem — useful reference for embedded/distribution-led digital banking economics.
- Starling Bank: UK digital-only bank (challenger) with strong consumer and SME banking franchise. Comparable mobile-first digital banking model for benchmarking product breadth and unit economics.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks5 records
Key highlights6 records
Customer concentration
BCA Digital social profiles
Digital presenceBCA Digital compliance and trust
Trust signalCompliance2 records
BCA Digital financial estimates
Financial estimateRevenue estimate
Valuation estimate
BCA Digital leadership team
Management profileNumber of profiles
Profiles6 records
BCA Digital funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
BCA Digital M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about BCA Digital
What does BCA Digital do?
BCA Digital (PT. Bank Digital BCA) operates a digital-only bank in Indonesia under the 'blu by BCA Digital' brand. It offers a mobile-first banking platform providing savings accounts, fund transfers, payments, multi-currency foreign exchange (bluValas) across 8 currencies, corporate debit cards (bluCorporate Card), Sharia-compliant services, and digital gifting via the blu mobile application, with embedded banking integrations through its blUnion platform.
Is BCA Digital a public or private company?
BCA Digital is a private company. It is classified as corporate owned and is currently operating.
When was BCA Digital founded?
BCA Digital was founded in 1965. It employs 101 to 250 people.
Where is BCA Digital based?
BCA Digital is headquartered in Jakarta, Indonesia, in the Asia region.
How does BCA Digital make money?
Four revenue lines are on record. Interest Income is the primary driver. The others are corporate Card Transaction Fees, digital Banking Services and payment Processing.
Who are BCA Digital's main competitors?
Direct peers on record are Seabank Indonesia, Bank Jago, Jenius (Bank Digital BTPN), Bank Neo Commerce and Allo Bank. Emerging players are DANA Indonesia and OVO. Regional players are KakaoBank, WeBank (Tencent) and Starling Bank.
Does BCA Digital have an API?
No public API is recorded for BCA Digital.
What industry is BCA Digital in?
BCA Digital's product category is Digital Banking. Its primary akta.pro industry code is FSAMAFAF, A2A Checkout & Merchant Acceptance Solutions, with a secondary code of FSAMAJAA, Biller Direct EBPP Platforms. Its NAICS code is 52211 and its SIC code is 6021.