Blu by BCA Digital review
Updated September 28, 2026 · VaultCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Blu by BCA Digital is a low-cost, easy-access savings account made for teens in Indonesia, and the rate it pays is the real trade-off. A minimum deposit of IDR 1,000 keeps the commitment small, so the appeal sits in how little the account costs to run rather than in the interest it earns.
Key facts
- Best for
- A cheap, easy-access savings account for an Indonesian teen.
- Headline rate
- 0.5%↗
- Rate type
- Variable↗
- Minimum deposit
- IDR 1,000↗
- Access terms
- Online only via the blu mobile app and ATM BCA, with no branch visit required↗
- Monthly fee
- IDR 0↗
- Account kind
- Easy access↗
- Legal entity
- PT Bank Digital BCA↗
- Headquarters
- Indonesia↗
- Support channels
- Email, Phone, Help-centre↗
- Pricing model
- No monthly fee
- Official website
- blubybcadigital.id
Money transfer
Everyday accounts
- Audience
- Teens
Facts checked September 26, 2026, 6 sources
Apps and profiles
- Get the app
- App StoreGoogle Play
- Elsewhere
- LinkedInXapps.apple.com
Pros and cons
Pros
- The savings account runs a monthly fee of IDR 0, so there is no charge for keeping it open.
- Transfers are Real-time via BI-FAST, available 24/7, which suits someone sharing money with family.
- This is an easy access account with a variable rate, so savings can come out whenever they are wanted.
- Support runs on email, phone and help centre, including a phone line and an email route.
Cons
- The headline rate of 0.5% ranks 402 of 473 brands, so the interest is thin for money left here.
- Access terms cover the blu mobile app and ATM BCA only, so there is no counter service in a branch.
- Transfers cost Rp2,500 and the exchange rate margin is 2%, which matters for anything sent across currencies.
Who it suits
- Teens in Indonesia opening a bank account of their own.
- Parents who want a cheap place to start a teenager's savings habit.
- Holders who want their money reachable, since the account kind is easy access.
Who should look elsewhere
- AXI Card Tarjeta y Credito, whose headline rate of 21.59% sits far above the 0.5% on offer here.
- Plazo ES, whose headline rate of 24.19% targets card balances rather than a teen savings account.
Fees and FX
The savings account asks for a minimum deposit of IDR 1,000 to open and runs a monthly fee of IDR 0 while it stays open. That is the whole running cost, and neither charge shifts as the balance grows, so an account started with a small deposit does not get more expensive to keep. The economics of the offer therefore rest on what the money earns rather than on what holding it costs.
The company behind it
Blu by BCA Digital sits with PT Bank Digital BCA, based in Indonesia, with OJK and Bank Indonesia named as the regulators. Support runs on email, phone and help centre, so there is a phone line and an email route alongside a help centre. The bank is digital in shape, so support is the main human point of contact.
How Blu by BCA Digital compares
8.9 vs 8.6
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8.9 vs 8.9
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8.9 vs 9.1
8.9 vs 8.9
8.9 vs 8.7- 8.9 vs 8.0
8.9 vs 9.0
8.9 vs 8.1
8.9 vs 8.7
8.9 vs 8.0
8.9 vs 9.5
8.9 vs 9.4
8.9 vs 9.3
8.9 vs 9.2
8.9 vs 9.0
8.9 vs 8.7
8.9 vs 8.5
8.9 vs 8.5
8.9 vs 8.5
8.9 vs 8.4
8.9 vs 8.3
8.9 vs 9.0
Where Blu by BCA Digital is available
- Available
- Indonesia
- Licence in Indonesia
- Otoritas Jasa Keuangan (OJK), checked September 26, 2026
- Licence in Indonesia
- Bank Indonesia, checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
How much does the account cost to keep open?+
The savings account runs a monthly fee of IDR 0, so there is no charge for holding it, and opening takes a minimum deposit of IDR 1,000. That is the whole cost of getting started. Because the account kind is easy access, money can also come back out without a term to serve.
How much interest does the account pay?+
The headline rate is 0.5% and it is variable, so it moves with the bank rather than being locked in. That places Blu at position 402 of 473 brands on this measure, which makes it a home for money that has to stay reachable rather than money that has to grow.
Who runs the account and which regulators apply?+
The account belongs to PT Bank Digital BCA, based in Indonesia, and the named regulators are OJK and Bank Indonesia. What a deposit protection scheme would cover is not set out in the account terms, so anyone holding a meaningful balance should confirm the cover with the bank before committing funds.
How do money and deposits move on the account?+
Opening needs a minimum deposit of IDR 1,000, and money goes out to bank. Transfers are Real-time via BI-FAST, available 24/7, so a payment to a participating bank account arrives while you wait rather than the next working day. If a transfer stalls, support on email, phone and help centre can trace it.
Do you need to visit a branch to use it?+
Access terms are online only through the blu mobile app and ATM BCA, so a counter visit is not part of the offer. Opening, transfers and balance checks all happen in the app, which suits a teenager who already carries a phone and a BCA card.
Which currencies can the account hold?+
The group covers 8 currencies and the exchange rate margin is 2% on conversions. For an account that mostly holds or spends rupiah, that margin hardly shows up. Anyone converting often should weigh it before moving money across currencies.
What kind of account is it, and who is it for?+
The account kind is easy access and the rate is variable, and the audience is teen opening a bank account of their own. The monthly fee is IDR 0, so the cost of trying it is low. It suits a saver who wants money reachable rather than locked away.
Sources
- blubybcadigital.id checked September 26, 2026
Backs: Support channels, Licences
“Telp : 1500668 Email : haloblu@bcadigital.co.id”
- blubybcadigital.id checked September 26, 2026
Backs: Audience
“bluAccount for Teens”
- blubybcadigital.id/fitur/tabungan/bluaccount checked September 26, 2026
Backs: Access terms, Account kind, Minimum deposit
“blu memiliki ketentuan saldo ditahan sebesar Rp1.000 (seribu Rupiah)”
- blubybcadigital.id/fitur/tabungan/bluvalas checked September 26, 2026
Backs: Currencies
- blubybcadigital.id/info/faq checked September 26, 2026
Backs: Delivery time
- blubybcadigital.id/info/fees-rates checked September 26, 2026
Backs: Exchange rate markup, Headline rate, Pricing model, Monthly fee, Payout methods, Transfer fee, Fee to send 1,000
“bluAccount Rp0 0,5% p.a.”
- blubybcadigital.id/info/term checked September 26, 2026
Backs: Headquarters, Legal entity, Rate type
“SYARAT DAN KETENTUAN PENGGUNAAN blu PT BANK DIGITAL BCA”
Compiled from 7 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Term, Deposit protection.
Related by the facts
Blu by BCA Digital
A cheap, easy-access savings account for an Indonesian teen.