blu by BCA Digital is a next-generation mobile banking solution designed to give users greater control, flexibility, and convenience in managing their financial goals. Developed by BCA Digital, a subsidiary of Bank Central Asia (BCA), blu introduces a user-friendly interface paired with robust financial tools that support seamless saving, investing, and spending experiences. Whether saving for a personal goal or managing everyday transactions, blu offers highly customizable features to meet the diverse needs of digital banking customers.
Smart Savings and Goal Tracking
- Open up to 20 personalized savings pockets under a single account for separate goals
- Allocate funds for different targets such as education, travel, shopping, or emergencies
- Joint savings feature enables collaborative saving with up to 50 participants
- Track your progress visually and adjust contributions at any time
Flexible Deposits and Withdrawal Options
- Start fixed deposits from as low as IDR 1 million
- Enjoy early withdrawal without penalty to maintain liquidity
- Manage deposit terms entirely through the app interface for convenience
Cash and Payment Integration
- Withdraw and deposit cash at BCA ATMs nationwide using your account credentials
- Make purchases or bill payments with QRIS for fast cashless transactions
- Consolidate all payment needs—from mobile top-ups to utilities—in one place
Cards and Mastercard Support
- Utilize bluVirtual Card for online purchases and digital service subscriptions
- bluDebit Card connects to Mastercard network for domestic and international use
- Simplified card management within the app for security and ease of access
Investing and Wealth Building
- Access curated investment options via bluInvest
- Partnered with licensed and trusted financial institutions for secure portfolio building
- Monitor and manage investments directly from your blu account
Zero Monthly Admin and Fee-Free Transfers
- No monthly administrative charges for maintaining your blu account
- Unlimited transfers to and from BCA using BI-FAST without incurring fees
- Transparent transaction history to help you manage spending patterns
Secure Transaction System
- Multi-layered protection with PIN, password, biometric authentication, and CVC codes
- Integrated with the BCA system for backend stability and compliance
- Continuous upgrades ensure best-in-class security standards
Haloblu Customer Support
- Round-the-clock support available via Haloblu’s dedicated line and WhatsApp
- Friendly agents ready to assist with technical questions, account issues, and feature guidance
- Continuous assistance ensures confidence in digital banking
Frequently Asked Questions
Q: Can I open multiple savings goals under one blu account?
Yes, you can create up to 20 savings pockets customized for different purposes.
Q: Is there a fee for withdrawing deposits before maturity?
No, deposits can be withdrawn early without penalties.
Q: Does blu support QRIS payments?
Yes, QRIS is integrated for seamless and secure cashless transactions.
Q: Can I use my blu card for international purchases?
Yes, bluDebit Card is linked to Mastercard for global transaction support.
Q: What is the minimum amount to start a fixed deposit?
Deposits can be initiated from IDR 1 million.
Q: Are bank transfers to BCA accounts free?
Yes, transfers via BI-FAST to and from BCA are free and unlimited.
Q: Is there any monthly admin fee?
No, blu accounts are exempt from monthly administration charges.
Q: How can I contact customer support?
You can reach Haloblu 24/7 via telephone or WhatsApp for assistance.
Version History
v2.0.10 —— 14 Jul 2025
New bluSpending Feature—track spending trends with personalized snack insights
Prelogin UI Revamp—more refined and visually appealing welcome interface
Debit Card Navigation—swipe horizontally to view multiple bluDebit cards
English Language Support—users can now access app functionality in English
v2.0.0 —— 7 Jul 2025
Same enhancements as v2.0.10—including bluSpending, UI updates, card interaction, and bilingual access
