BCA Debit Sudah Bisa Digunakan Online

Pagi bangun untuk sahur, dapat notif dari aplikasi Google di ponsel, ada “news” dari BCA, yakni cara menggunakan Debit Online BCA. Aku pun penasaran dan buka itu artikel. Ternyata dari web resmi BCA.

BCA Debit Online
Courtesy: Bank Central Asia

Tahun lalu (aku lupa kapan tepatnya) memang aku pernah ke BCA Gejayan untuk melakukan penyesuaian identitas. Ya, ada penyesuaian nama lengkap dan alamat di rekening tabungan BCA. Aku lakukan supaya nanti tidak menjadi masalah ketika dibutuhkan. Dikarenakan hal itu, sekalian kartu ATM-nya diganti, kata si mbak CS. Aku sih manut saja. Setelah 2 minggu, aku ke BCA Gejayan lagi karena kartu ATM sudah jadi. Kartu ATM lama diminta, digunting dan dikasi ATM baru berlogo Mastercard.

Waktu itu aku pernah tanya ke mbak CS, “ini ada logo Mastercard, bisa dipakai seperti kartu kredit, untuk transaksi online gitu ga, mbak?” si mbak menjawab kalau dia tidak tahu, tapi sudah seringkali dengar pertanyaan serupa. Dia hanya dengar bocoran dari atasan kalau memang sedang dikembangkan fitur tersebut. Tapi dia minta jangan dikutip untuk disebarkan karena itu masih rumor. Menghormati permintaan mbak CS, ya aku ga bilang siapa-siapa tentang itu. Hehehe.

Voila! Debit BCA sekarang online, lho!

Ternyata rumor itu beneran ada. Entah aku yang telat atau memang baru saja ada, tapi kartu debit BCA sekarang sudah online. Cara untuk aktivasinya adalah menggunakan aplikasi Mobile BCA. Contohnya ini di akunku:

Akun saya di BCA
Lokasi setting ada di Akun Saya

Pertama-tama masuk ke Akun Saya. Lalu setelah itu pilih menu Kontrol. Halaman selanjutnya seperti ini:

Kontrol transaksi di BCA
Halaman kontrol yang membuat kartu kita bisa transaksi apa saja

Hidupkan toggle pada Transaksi Debit Online untuk membuat kartu kita bisa ditransaksikan online. Dan selesai! Kartu anda sudah bisa digunakan layaknya kartu kredit atau seperti mCard pada Jenius BTPN.

Lalu, apakah menggunakan debit BCA itu aman?

Aku sih nggak berani ngasi jaminan aman atau nggaknya, soalnya itu semua tergantung kita juga sebagai pemakai layanan. Hanya saja ada fitur yang paling tidak bisa mengurangi kerugian jika ternyata kartu kita bocor detailnya atau entah bagaimana bisa dipakai transaksi orang lain. Fitur itu adalah:

  • Blokir kartu instan, yakni kartu bisa kita blokir via aplikasi Mobile BCA, dan…
  • Limit transaksi yang dapat dilakukan menggunakan Debit Online

Untuk yang kedua ini, caranya adalah masuk ke menu Akun Saya tadi, lalu tap pada Atur Limit. Setelah itu scroll ke bawah, dan cari Limit Transaksi Debit. Geser ke kiri hingga sesuai dengan limit yang nyaman buat kita. Aku pribadi kasi limit 3 juta, supaya rekening ga jebol andaikata ada fraud.

Limit akun debit online
Secara personal, aku membatasi hingga 3 juta saja.

Lalu bagaimana dengan aplikasi dalam transaksi online?

Aku sendiri belum mencoba menggunakan Debit Online BCA ini untuk transaksi di internet. Alasan utamanya ya karena belum ada yang perlu aku bayar dengan Debit Online BCA ini. Aku sudah kepikiran untuk coba menambahkan di akun Paypal, tapi nanti saja, bisa dibuat untuk artikel baru.

Kalau menurut pengalamanku dengan Jenius, mungkin kurang lebih sama. Masukkan saja 16 digit nomor kartu, lalu CVV di belakang kartu dan expired date. Setelah itu akan masuk ke 3D Secure, kita terima PIN di ponsel dan masukkan ke form. Diproses dan tadaaa… pembayaran selesai. Kenapa aku perkirakan menggunakan 3D Secure? Ya karena ada setting nomor ponsel ketika mengaktifkan Debit Online BCA ini di aplikasi. Kalau nggak buat 3D Secure, trus buat apa?

Oke, sementara seperti itu dulu bincang-bincang mengenai Debit Online BCA-nya. Kalau aku sudah bayar sesuatu menggunakan Debit Online BCA, pasti akan aku bikin artikel lagi.

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  1. riza firli:

    wahh kartu kredit bca , makin mudah aja ya..sayang saya udah tutup kartu karena mau membenahi cash flow

    • Iwan R.:

      Bukan kak,
      Ini kartu debet, dengan fitur seperti kartu kredit, minus ga bisa ngutang.

  2. Haekal:

    Jujur baru tau kalau kartu BCA bisa dipakai transaksi online. Selama ini pake kartu dari bank lain. Thanks infonya mas!

    • Iwan R.:

      Ini memang baru, kak 🙂
      Lihat saja rilis media-nya juga belum lama.

  3. Mufid:

    ternyata kartu ku belum yang master card, tapi yang Cirrus, harus ke CS dulu ini yaak huhu

    • Iwan R.:

      Oh itu yang lama, masih belum ada chip-nya. Cepet diganti kak. 🙂

  4. TemuKonco:

    Mas, itu kartu debitnya harus yang Gold atau yang biasa juga bisa?
    Selain itu apakah mengaktifkannya hanya via mobile saja, tapi kalau via internet banking tidak bisa?
    Maturnuwun pencerahannya… 🙏🏼🙏🏼🙏🏼

    • Iwan R.:

      Kartu debitnya harus yang sudah pakai chip & ada logo Mastercard-nya. Untuk aktivasi hanya bisa menggunakan Mobile Banking, sesuai dengan petunjuk dari website BCA. Aku juga ga nemu menunya di internet banking. 🙂

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