Blu by BCA
BCA's digital-native brand.
- Who holds it
- The company itself — it holds a full banking licence — Bank (BCA Digital).
- The ledger
- The bank’s own core ledger.
- If it fails
- A covered-deposit payout through the local scheme, up to its limit.
Derived from Blu by BCA’s regulation type and custody — a class of protection, not a guarantee. Limits and eligibility vary by scheme, balance and jurisdiction; confirm before you rely on it. What happens if a neobank shuts down →
The facts
| Category | traditional |
| HQ | Jakarta, ID |
| Founded | 2021 |
| Custody | Custodial |
| Regulation type | Licensed bank |
| License detail | Bank (BCA Digital) |
| Card | MC · Debit |
| Yield | Savers |
| Stablecoins | No |
| KYC | Yes |
| Active regions | Asia |
Verified links: official site ↗
Common questions about Blu by BCA
What is Blu by BCA?
Blu by BCA is a fiat neobank, headquartered in Jakarta, ID and founded in 2021. Your money is held custodially, so Blu by BCA or its partner bank holds the balance and you hold a claim on it. It is regulated as a licensed bank (Bank (BCA Digital)).
Does Blu by BCA have a card, and where can you use it?
It issues a Mastercard debit card. It is available in Asia.
Does Blu by BCA require KYC?
Yes. Blu by BCA requires identity verification (KYC) to open an account, as a licensed bank.
What does Blu by BCA cost?
From the verified fields: yield Savers. Cashback and yield are "up to" figures that change constantly and often depend on a paid plan — confirm current terms with Blu by BCA before relying on them.
Peers
Wise · KakaoBank · WeBank · bKash · Maya · GCash
Blu by BCA appears in
Neobanks that hold their own banking license (132) · Neobanks available in Asia (132) · Neobanks that issue a Mastercard (150) · Neobanks in Indonesia (9)
Figures compiled from public sources, for comparison only — not financial advice. "Up to" rates change constantly; always confirm with the issuer. Spotted an error? Suggest a fix.