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How to Open a Bank Capital Savings Account and the Types of Savings

How to Open a Capital Bank Savings Account – The news about several banks that are planning to transform into digital banks is currently being widely discussed. The Financial Services Authority (OJK) stated that there are around 7 banks in Indonesia that are currently in the stage of going digital.

One of the banking services currently in the process of going digital is Bank Capital. The bank, which has been established since 1989, is currently focusing on developing some of its features to make it easy and practical for customers to use it through digital concepts. Therefore, Bank Capital is currently carrying out various stages of preparation in accordance with OJK directives.

Apart from Bank Capital, several other banks are also undergoing a go-digital transformation, namely Bank BCA Digital, Bank Agroniaga, Bank Neo Commerce, Allo Bank Indonesia, Bank QNB Indonesia, and KEB HanaBank. For more details about Bank Capital itself, here is a review about this bank information and how to open a Bank Capital savings account.

Bank Capital Indonesia at a Glance

How to Open a Capital Bank Savings

At its inception in 1989, PT Bank Capital Indonesia Tbk was a joint venture between Bank Internasional Indonesia (now Bank MayBank Indonesia) and Credit Lyonnais SA. The Company itself first listed its shares on the Capital Market in 2007. Until now, Bank Capital has had dozens of Operational Office Networks spread across several regions in Indonesia, such as in Jakarta, Bandung, Tangerang, Bekasi, Surabaya, Solo, and Kupang.

The latest news from this Bank is that it is in the preparation period for digital banking services, as previously mentioned. To fulfill various conditions required by the Financial Services Authority (OJ), this bank is currently strengthening its capital, where the core capital that this bank must have before becoming a digital bank is a minimum of IDR 2 trillion in 2021 and a minimum of IDR 3 trillion in 2021. 2022. To meet the minimum target in 2022, Bank Capital explained that the company is currently making additional capital through a rights issue of IDR 2 trillion and the issuance of subordinated bonds of IDR 700 billion, which will be carried out no later than the fourth quarter of 2021.

Bank Capital with the stock code BACA has previously carried out digital transformations to its various service facilities. For example, in 2007, this bank launched Bank Capital ATM machine services that are connected to the ATM Bersama network. Then in 2008, Baca also issued a Debit Card service which is part of the National Payment Gateway (GPN). This bank has also facilitated its customers with internet banking and mobile banking services, under the names Capital Net, Capital Business Net, and Capital Mobile, to be precise in 2021. Therefore, preparations for digital transformation which they will release in 2021, are in the form of launching of QRIS and Cardless Transaction services.

The plan to go digital carried out by PT Bank Capital Indonesia Tbk is one of the more advanced steps in facing the competition that occurs in the banking world today. Where the rapid development of digital technology is now very influential on consumer behavior in transactions. So to balance the power of consumer transactions and services, this bank strengthens its strategy with the digital concept. However, integrated risk management and compliance must also be strengthened. With great support from qualified human resources, Bank Capital is optimistic that it will be able to achieve much better and stronger growth through the foundation digital.

Types of Capital Bank Savings and How to Open Savings

How to Open a Capital Bank Savings

Bank Capital Indonesia itself has launched various types of savings for its customers. These types of savings are certainly present to make it easier for consumers to organize and clarify the direction of their savings needs. For that, here are some ways to open a Bank Capital savings account based on the types of savings.

Capital Extra Savings is one of the types of savings available at Bank Capital Indonesia. On its official website, this bank claims that this savings account is equipped with attractive and reliable features. The requirements and how to open a Bank Capital savings account for this savings account are also quite easy and profitable. Some of the costs that will be borne by this savings customer include:

  1. Initial deposit: IDR 1.000.000,-
  2. Minimum balance : IDR 150.000,-
  3. Monthly Administration Fee : IDR 5,000,-
  4. Savings closing fee: IDR 150.000,-
  5. Minimum balance fee: IDR 5,000,-
  6. Inactive account fee : IDR 50.000,-
  7. Current account facilities: Free.

Premier Personal Savings

This Premier Personal Savings from Bank Capital has several advantages which are described in its own official website, namely starting from premium facilities and benefits for customers, having competitive and profitable interest rates, flexibility, administration fees and a light minimum balance, as well as a system cashback which can be directly credited to the customer’s account. How to open a Bank Capital savings account for this savings is also quite easy, that is, only by preparing a document in the form of a photocopy of your KTP/KITAS/KIMS. The description of the costs for this savings, namely:

  1. Initial deposit: IDR 100,000,000
  2. Minimum balance : IDR 1.000.000,-
  3. Monthly Administration Fee : IDR 0,-
  4. Savings closing fee: IDR 100,000,-
  5. Minimum balance fee : IDR 0,-
  6. Inactive account fee : IDR 50.000,-
  7. Savings book replacement costs; IDR 20,000,-.

My Savings

This type of savings may already be familiar to customers of other banks. This savings account was also launched by various banks in Indonesia in an effort to improve people’s saving habits as a whole. As for the fees and how to open a Bank Capital savings account for this type of savings, it’s certainly quite easy and almost the same as those applied by other banks.

Also Read: How to Create a BNI Tapenas Savings

Capital Save

Savings from Bank Capital this one includes savings that are quite popular and can be used by various groups in general. With attractive facilities and interest rates, this bank provides flexible deposit services with definite results. As for how to open a Bank Capital savings account specifically for this savings, it is the same as opening other types of savings. You just need to go to the nearest branch office by bringing a photocopy of your KTP/KITAS/KIMS. The administrative costs included in this savings are:

  1. Initial deposit: IDR 100,000,-
  2. Minimum balance : IDR 100.000,-
  3. Monthly Administration Fee : IDR 0,-
  4. Savings closing fee: IDR 100,000,-
  5. Minimum balance fee: IDR 2,000
  6. Inactive account fee : IDR 50.000,-
  7. Savings book replacement costs; IDR 20,000,-.

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Savings Plus

This next savings account is a savings that is also quite suitable for the general public. Because in addition to promising easy requirements and ease of transaction, the administrative costs that must be borne by customers are also quite affordable compared to other banks. These costs are:

  1. Initial deposit: IDR 100,000,-
  2. Minimum balance : IDR 100.000,-
  3. Monthly Administration Fee : IDR 0,-
  4. Savings closing fee: IDR 100,000,-
  5. Minimum balance fee : IDR 0,-
  6. Inactive account fee : IDR 50.000,-
  7. Savings book replacement costs; IDR 20,000,-.

That’s more or less the requirements to the cost components that will be borne by customers in the future based on the type of bank chosen. As for how to open a Bank Capital savings account for any type of savings, it can be done directly with the customer service at the nearest branch office around you.

What is Bank Capital’s Official Website Address?

Don’t get me wrong, the official website address of Bank Capital is at www.bankcapital.co.id

What is Bank Capital’s Call Center Phone Number?

If you have problems with Bank Capital, you can use the contact page from the Bank’s official website at the following link: https://www.bankcapital.co.id/id/ need-help or you can contact Tel: 021-27938989.

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