Bank Central Asia (BCA) SWIFT Code: CENAIDJA

Bank Central Asia (BCA) SWIFT Code: CENAIDJA

The SWIFT/BIC code for Bank Central Asia is CENAIDJA. CENA identifies BCA, ID stands for Indonesia, and JA is the Jakarta location code. This code routes international wire transfers to BCA accounts across Indonesia.

BCA is Indonesia's largest private bank by market capitalization and processes roughly 60% of Indonesia's electronic transactions. Founded in 1957, the bank was acquired by the Djarum Group after the 1998 Asian financial crisis. It has over 1,250 branches and 18,000 ATMs.

IDR Domestic Payments and BCA's Market Share

The Indonesian rupiah (IDR) is managed by Bank Indonesia under a floating exchange rate system. BCA dominates domestic payment processing — its mobile and internet banking platforms handle the bulk of Indonesian retail and corporate transfers.

Incoming international wires in IDR settle within 1 to 2 business days. BCA charges IDR 25,000 to IDR 100,000 for incoming wires depending on currency. USD is the primary foreign currency handled, followed by SGD and JPY. Bank Indonesia requires reporting for FX transactions above $25,000.

Electronic Banking Infrastructure in Indonesia

BCA's transaction processing infrastructure is the backbone of Indonesian retail payments. The bank's network processes payroll, bill payments, and e-commerce settlements for the country's largest companies. Foreign companies entering Indonesia frequently open BCA accounts as their primary operating account.

Trade-related international wires through BCA cover palm oil, coal, nickel, textiles, and electronics — Indonesia's major export categories. BCA's correspondent banking relationships with JPMorgan Chase, Deutsche Bank, and Standard Chartered facilitate high-value trade settlements.

How Slash fits in

Slash connects your BCA accounts to your broader international treasury view. IDR payment flows and USD-IDR conversions are tracked in real time, giving your team clear visibility into Indonesian cash positions.