#klikbca

Today is my very first time using Klik BCA. This is Yudi’s account actually but I am the one who manages it, LOL. My first impression after making Klik BCA account is “the website is very old school and not a user-friendly one”. But I don’t care because I only use it once a month anyways.

Before I made Klik BCA, I already have BNI internet banking. It’s more user-friendly and pretty easy to use. Actually the method is pretty similar one to another. It has us to save every transactions account. A bit troublesome because we have to input many many things and save them. Do you think it’s necessary? What if I only wanna do a one-time transaction and will not use it in the future anymore. It will has you to have so many many data bases. That’s why I only uses internet banking once a month and let m-banking do the rest, LOL.

So, do I like it or do I not like it using Klik BCA? The answer is hell-no. Why? Lemme explain it to you.

1. The dashboard is so old school and not user-friendly

It’s not even a full screen type of dashboard (I crop the photo).

2. You have to save every transactions accounts

In this blog I would like to share how you save other domestic bank account

You cannot write what bank you want to save, you have to scroll down and look for it one by one. FYI, it’s a non-alphabetic list.

After that, you have to choose which branch / city that the accounts belong to. Seriously? This days? If I shop from e-Commerce that doesn’t mention which branch / city they belong to, should I ask first? Doesn’t it take time?

After input the city name, you can choose what type of accounts you would like to transfer. Either it’s individual or company or government.

And then input the beneficiary name and account number (I tried to input my husband’s account). The beneficiary name MUST be the same with the name in the bank account. So, you have to make sure that you write the right name and it cannot be nick name like BNI.

After that, use the Key-BCA to input the unique number to continue the saving process. After entering the number, press enter on your keyboard. It will appear like this and then click send (I hide the beneficiary name and account).

You have to do this all over again every time you wanna do transaction to any other accounts; which I believe it’ll be so much.

3. Too many unique numbers you should enter

Okay, now you’re about going to transfer some money to other bank. Click the Fund Transfer menu and choose Transfer to Domestic Bank Account. Choose the destination account you would like to transfer and input the amount also. If you wanna transfer only “some” money you have to choose the LLG options instead of RTGS because the admin fee is cheaperm (they said). You can also add remarks if you want to and then input the unique numbers on your keyBCA.

After inputting the unique numbers, there will be another confirmation sheet that has you to input another unique numbers once again (so tiring, huft) then your transaction will be succeed

4. Takes time for clearing process

If you use another bank besides BCA. You may find that if you transfer at 10AM and it’s succeed, then the other bank that you transfer will receive the money at the same time when it’s counted as succeed. But by using KlikBCA, it takes hours to receive the money and it really gets my emotional high. If you use KlikBCA to transfer to another bank, just make sure that you transfer the money before 3PM because if you transfer after that time, then the clearing process will be done one day after that, which means, the people you transfer will get the money one day after that at you-dont-know-what-time.