Basic Knowledge

1. How do I apply for BOCNET (Bank of China Internet Banking) service?
2. Can I apply for BOCNET through other channels?
3. What services are available on BOCNET?
4. How much are the transaction fees and charges?
5. How many accounts could be linked to my BOCNET?
6. How do I terminate my BOCNET service?

Log In

1. How do I log in BOCNET for the first time?
2. When I try to log in, why does it prompt “dialog failure”?
3. What should I do if I am not able to log in BOCNET with the correct credentials?
4. How do I change my Username and Password?

Authentication Methods (e-Token)

1. What is the function of e-Token?
2. What should I do if I already input the e-Token dynamic password correctly, but the system prompts many times that the password is wrong?
3. What should I do if my e-Token is lost, misplaced or stolen?

Online Services

My Accounts

1. Can I view all of my accounts?
2. Which of my BOC accounts can I view on BOCNET?
3. How long the data transaction will be kept in BOCNET?
4. How do I link/unlink my accounts on BOCNET?

Fund Transfer

1. What are the types of Fund Transfer that can be processed through BOCNET?
2. When can I perform a Fund Transfer?
3. How much is the transfer limit for Fund Transfer?
4. Where can I find the Foreign Currency exchange rate?
5. Can I perform a cross-currency Fund Transfer?
6. How do I know the exchange rate for the transactions performed in different currencies?

International Remittance

1. What are the differences between International Remittance and RMB Pre-Settlement?
2. Can my remittance be reversed and refunded?

Term (Time) Deposit

1. Do I need to open a Time Deposit Account in order to link the account to BOCNET?
2. What are the available currencies for Time Deposit placement?
3. Can I terminate my Time Deposit before maturity date?
4. What happens when my Time Deposit Placement via BOCNET has matured?

Global Service

1. What is Global Service?
2. How do I join Global Service?
3. What is Global Account Management?

Service Setting

1. How do I change my Personal BOCNET password?

Debit Card

1. What Debit Card services that are available on BOCNET?
2. How do I link my Debit Card into BOCNET?
3. How do I view my Debit Card statement?
4. What is the transaction limit setting?

Technical

1. What are the systems and browser required to access BOCNET?
2. How do I enable TLS 1.1 and TLS 1.2 for various browsers?

General

1. What should I do when my computer hangs or the internet connection is cut off during banking transaction performing?
2. What should I do if the account information displayed incorrect?

1. How do I apply for BOCNET (Bank of China Internet Banking) service?
   In order to apply for the Personal BOCNET Service, you must have at least one personal account (savings account, current account, time deposit account) in our Bank. Please visit the nearest branch during office hours, bring your valid identity card and complete Personal BOCNET Application Form.
   
   Valid documents required for opening the service as follows:
   
   -    Resident Identity Card (KTP) for Indonesian Citizen
   -    Passport and Limited Stay Permit (KITAS/ITAS) for foreigner
   (Note: Power of Attorney shall be retained if not personally come to the Bank)
   
   When your application is approved, you will be able to get the username, password and e-Token.
   
   
2. Can I apply for BOCNET through other channels?
   Customer is only allowed to apply BOCNET service over the Bank’s counter.
   
   
3. What services are available on BOCNET?
   We provide a wide range of Personal Internet Banking services for your convenience:
   
   

   Menu	Function
   My Account	Accounts Overview
   	Transaction Details
   	Accounts Management
   	Account Statement Service
   	Download Transaction
   	SWIFT Remittance Inquiry
   Transfer / Remittance	Transfer / Remittance
   	Scheduled Transfer Management
   	Electronic Banking Transaction Inquiry
   	Payee Management
   Term Deposit	Open Term Deposit
   	Transfer Term Deposit
   Global Service	Open Global Service
   	Request to Join
   	Link Accounts
   	Close Global Service
   	Global Account Management
   Debit Card Service	Debit Card Overview
   	Debit Card Management
   	Transaction Details
   	Debit Card Activation
   	Report Loss / Cancel Loss Reporting
   	Transaction Limit Setting
   	Contactless Transaction Use
   	UnionPay Online Payment
   Service Setting	Change Password
   	Service Records

   
   
4. How much are the transaction fees and charges?
   
   

   Description of Charges		Fee
   e-Token* (First Apply)		Free of Charge
   e-Token Replacement Fee**		IDR 50,000
   IDR Transfer to Other Banks in Indonesia	SKN	IDR 3,000
   	RTGS	IDR 20,000
   Outward Telegraphic Transfer***
   Full Amount		USD 20 (GPI/OUR)
   Cable Fee		USD 4
   Commission****		0.05% (min. fee USD 5, max. fee USD 50)
   RMB Pre-Settlement
   Full Amount		USD 20 (Non BOC)
   		USD 15 (BOC)
   Cable Fee		USD 4
   Commission		0.05% (min. fee USD 5, max. fee USD 50)
   Notes: * If any e-Token that has expired will be free of replacement charge. ** e-Token replacement fee for damage, lost, or stolen. *** In USD, HKD, SGD, AUD, EUR, GBP, JPY currency **** Free commission for FX Transaction



5. How many accounts could be linked to my BOCNET?
   You could link up to a maximum of 20 accounts including Savings Account, Current Account, Time Deposit Account, NPG Debit Card and UnionPay Debit Card.
   
   
6. How do I terminate my BOCNET service?
   You need to visit our nearest branch and fill Personal BOCNET Application Form to process the cancellation of the service.
   
   

1. How do I log in BOCNET for the first time?
   After you successfully registered BOCNET Service at the counter, please click “Personal Online Banking Log in” on BOC website (www.bankofchina.co.id) homepage to log in. For the first time log in, please enter the initial log in username and password as indicated in the Password Mailer and e-Token that you received from Bank. After successfully logging in, the system will require you to create a new Username and Password, then you can start using the various functions of BOCNET.
   
   
2. When I try to log in, why does it prompt “dialog failure”?
   After logging in, if you leave it unattended for a long time, the system will prompt “dialog failure” and automatically log your BOCNET off. If you still want to use the system, please log in again. Such design is to prevent your account from being maliciously operated when you leave your computer unattended and forget to log out.
   
   
3. What should I do if I am not able to log in BOCNET with the correct credentials?
   For security reasons, if you have tried to logging in with your BOCNET credentials (Username/Password/e-Token dynamic password) unsuccessfully for 5 times in a day, your Password/ e-Token will be temporarily locked and will be released on the next day.
   If you have tried to logging in with the wrong password for a total of 15 times consecutively or wrong e-Token password for a total of 10 times consecutively, your BOCNET will be disabled and you would need to proceed to one of our branches to unlock it.
   If you have entered the correct credentials but you are still unable to log in, please try to clear browser history/cache.
   
   

   Browser	Steps
   Internet Explorer	1. In Internet Explorer, click Tools > Safety > Delete Browsing History. 2. Tick All Types of Data, and then click Delete. 3. Restart browser.
   Google Chrome	1. In Chrome, click More Tools > Clear Browsing Data. 2. On Time range column choose All Time, tick All Types of Data, and then select Clear Data. 3. Restart browser.
   Mozilla Firefox	1. In Firefox, click Library > History > Clear Recent History. 2. On Time Range to Clear column choose Everything. 3. Click Details, select All Types of Data, then select Clear Now. 4. Restart browser.
   Apple Safari	1. In Safari, click the Safari tab and click Clear History. 2. Choose All Time Range, then click Clear History. 3. Restart browser.

   
   If you are still unable to log in after trying all the above, kindly proceed to our branch for further assistance.
   
   
4. How do I change my Username and Password?
   You could change your username through BOCNET on your first time log in. You only can change your username one time. If you need to modify your username, you need to cancel your BOCNET service and re-open it.
   If you would like to change your password, kindly log in to BOCNET, go to the menu bar and click “Service Setting” and select “Change Password”. Password contains numbers, English letters and punctuations with a length of 8-20 digits, which should be case sensitive. The new password will be effective at the next log in. We suggest you to regularly change your internet banking password and avoid using common combination to enhance the security of BOCNET service.
   

1. What is the function of e-Token?
   e-Token is a security device that is provided to you to enable you to access BOCNET.
   It will generate a unique 6-digit passcode, also known as one-time password (OTP), which is displayed on a small screen of the e-Token. Each OTP has a limited time frame which will be updated every 60 seconds, and can only be used once. Hence, please input the OTP within its time span for authentication when you log in to the service. If not, you will need to re-activate it again to obtain a new OTP. The e-Token generally expires in 3-4 years (the expiration date is shown on the front of e-Token) and replacement can be done over the Bank’s counter.
   
   
2. What should I do if I already input the dynamic password correctly, but the system prompts many times that the password is wrong?
   Such a case is not very likely to happen. Once it happens, it is possibly caused by the deviation of time calculation of your dynamic password, rather than e-Token malfunction. In this case, you only need to synchronize the e-Token at the Bank’s counter, to ensure the similar mistakes will not happen in a long period.
   
   
3. What should I do if my e-Token is lost, misplaced or stolen?
   Your first e-Token will be issued to you free of charge. In the event of lost, theft or negligence damage to the e-Token, kindly proceed to any of our branches with a valid identity card to request for a replacement. Replacement fee is chargeable.
   

My Accounts

1. Can I view all of my accounts?
   You will be able to view a summary of your accounts in Account Overview once you have logged in to Personal Internet Banking.
   
   
2. Which of my BOC accounts can I view on BOCNET?
   You will be able to view all these accounts once you have linked the account into BOCNET service:
   
   
   • IDR Saving Account
   • IDR Current Account
   • Foreign Currency Saving Account
   • Time Deposit Account
   • Debit Card
   
   
3. How long the data transaction will be kept in BOCNET?
   You may view your transaction records for the past 12 months.
   
   
4. How do I link/unlink my accounts on BOCNET?
   To link the accounts, please follow the below steps:
   Log in to BOCNET and select My Accounts > Account Management. Click Register New Account and choose the accounts that you want to link into your BOCNET. Once complete, click Submit.
   You can also de-register your account which has been linked to BOCNET. However, you cannot de-register and register the same account on the same day.

1. What are the types of Fund Transfer that can be processed through BOCNET?
   You may conveniently complete various kinds of fund transfer, including:
   a.    Transfer between My Accounts: Transfer fund between your account in same or different currency.
   b.    Transfer within BOC: Transfer fund to 3rd party BOC accounts (in same or cross-province in Indonesia) in same or different currency.
   c.    IDR Transfer to Other Banks: Transfer fund in local currency (IDR) to other Banks in Indonesia through SKN or RTGS method.
   d.    Telegraphic Transfer (SWIFT):
           - Normal Remittance: Transfer fund in foreign currencies (in USD, HKD, SGD, JPY, AUD, EUR, GBP) to other Banks           in Indonesia or outside Indonesia.
           - CNY Pre-Settlement: Transfer funds in CNY currency to Banks in Mainland China.
   
   
2. When can I perform a Fund Transfer?
   The operating time for Personal Internet Banking is 24-hour a day and 7 days a week. Each type of fund transfer has its own operating cut-off time:
   
   

   Type of Transfer	Cut-off Time
   Transfer to an account (same currency) within BOCHK Jakarta	7 x 24 Hours
   Transfer to an account (cross currency) within BOCHK Jakarta	08:30 – 15:30
   SKN	08:30 – 15:30
   RTGS	08:30 – 15:30
   Telegraphic Transfer (in USD, HKD, SGD, JPY, AUD, EUR, GBP)	08:30 – 15:30
   CNY Pre-Settlement	08:30 – 14:30
   Foreign Exchange	08:30 – 15:30
   Placement/Withdrawal Term Deposit	7 x 24 Hours
   Notes: - All above transactions if submitted after cut-off time/on non-business day/on public holiday will be processed on the next business day. - Any transfer mentioned above, if it is involving FX IDR against foreign currencies, cannot be done via internet banking service (it must be proceeded at the counter). - Any transfer if involved exchanges only can be submitted before the cut-off time on each business day, otherwise the transaction will be failed.

   
   
3. How much is the transfer limit for Fund Transfer?
   The transaction limit is as follows:
   
   

   Transaction Type	Single Limit (IDR)	Daily Limit (IDR)
   Transfer Between My Account (Same Currency)	65,000,000,000	65,000,000,000
   Transfer Between My Account (Different Currency)	500,000,000	1,000,000,000
   Transfer to 3rd party within BOC Indonesia (Same / Different Currency)	500,000,000	1,000,000,000
   IDR Transfer to Other Banks (SKN / RTGS)	500,000,000	1,000,000,000
   SWIFT Remittance (USD, HKD, SGD, JPY, AUD, EUR, GBP)	500,000,000	1,000,000,000
   CNY Pre-Settlement	125,000,000	600,000,000



4. Where can I find the Foreign Currency exchange rate?
   You could find the Foreign Currency exchange rate on website. The foreign exchange rate displayed online is for reference only and does not represent the actual rate that will take effect on your transfer. The exchange rate will be subject to the Bank’s prevailing exchange rate as of the date and time of processing.
   
   
5. Can I perform cross-currency Fund Transfer?
   Yes, you can, but it involves respective Foreign Currency exchange rate. The exchange rate will take effect while you perform a real time transaction. This fund transfer is only available from Monday to Friday during business hours.
   
   
6. How do I know the exchange rate for the transactions performed in different currencies?
   You may click on View Exchanged Rate button on the transaction page to get the real time exchange rate when you fill in the transfer instruction, but it may differ from the actual rate you get as the exchange rate could change during the course of transaction. Once you have completed the transfer instruction and click Confirm, you will receive a confirmation showing the actual exchange rate applied to the related transaction.
   

1. What are the differences between International Remittance and CNY Pre-Settlement?
   a.    International Remittance is a transfer funds to other Banks in Indonesia or outside Indonesia with multiple currencies.
   b.    CNY Pre-Settlement beneficiary bank must be Bank of China Limited or the other 3 Banks (Agricultural, ICBC and China Construction) in Mainland China. You may remit to Mainland China from Indonesia with USD and Beneficiary will receive CNY.
   For CNY Pre-Settlement transaction, kindly input the name of the payee as per the records maintained with the account opening bank and transaction amounts will be taken into account and managed with the payee’s annual personal foreign exchange settlement limit.
   
   
2. Can my remittance be reversed and refunded?
   You may not be able to request for a reversal or refund. Remittance will only be returned if any beneficiary details are incorrect. Refunds of the transaction will be made only after the Bank receives confirmation from its correspondent. However, this might subject to additional fees and charge.
   

1. Do I need to open a Time Deposit Account in order to link the account to BOCNET?
   Yes, you need to open a Time Deposit Multi Currency Account at our nearest branch in order to link the account to BOCNET.
   
   
2. What are the available currencies for Time Deposit placement?
   The available currencies for TD placement are IDR, USD and CNY.
   
   
3. Can I terminate my Time Deposit before maturity date?
   Yes, you can. However, the interest will not be paid if the termination is done before the maturity date.
   
   
4. What happens when my Time Deposit Placement via BOCNET has matured?
   The earned interest will auto roll over with the principal amount to the next maturity date. The interest calculation for the new placement will start on the placement itself.
   

1. What is Global Service?
   Global Service will allow you to link and view your BOC accounts from different countries/regions under a consolidated site at Bank of China Indonesia.
   You must accept the Open Global Service Terms and Conditions before you can apply for a global service account to link your global accounts to our global service.
   
   
2. How do I join Global Service?
   Simply click on Global Service > Open Global Service to access Global Service. You will need to create a Global Account Name and input your e-Token Password.
   At this time, the page will show you your Global Acount Name and Global Account Number, please record it.
   
   
3. What is Global Account Management?
   You will be able to manage all your global accounts with this function. You can link or unlink your global account(s) and view the transaction details & account details from here.
   

1. How do I change my Personal BOCNET password?
   You can change your password when you logged in to BOCNET, go to the menu bar and click “Service Setting” and select “Change Password”. Password contains numbers, English letters and punctuations with a length of 8-20 digits, which should be case sensitive. The new password will be effective at the next log in.
   

1. What Debit Card services that are available on BOCNET?
   
   
   • Debit Card Overview
   • Debit Card Management
   • Card Transaction Details
   • Debit Card Activation
   • Report Loss / Cancel Loss Reporting Card
   • Transaction Limit Setting for Debit Card
   • UnionPay Online Payment Activation
   
   
2. How do I link my Debit Card into BOCNET?
   Click on Debit Card > Debit Card Management to link your debit card to BOCNET.
   
   
3. How do I view my Debit Card statement?
   In order to view your Debit Card transaction details, click on Debit Card > Transaction Details. You will be able to view the details of your Debit Card. The records will be kept for the last 3 months.
   
   
4. What is the transaction limit setting?
   You can customize your Debit Card withdrawal, consumption and transfer limit in CNY or Local Currency (IDR) without hassle. Click Debit Card > Transaction Limit Setting to customize your settings.
   

1. What are the systems and browser required to access BOCNET?
   Below are the recommended operating systems for optimal browsing:
   
   
   • Microsoft Windows 7, Windows 8, Windows 10 and above
   • Mac OS X 10.2 and above

   Below are the recommended browsers for optimal browsing:

   • Microsoft Internet Explorer version 11 and above
   • Google Chrome version 37 and above
   • Apple Safari version 7 and above
   • Mozilla Firefox version 31 and above
   
   BOCNET is best viewed on resolution 1024 x 768 pixels or above. Kindly update your browser to the latest version for better experience. Other operating system or browser may not be compatible.
   
   
2. How do I enable TLS 1.1 and TLS 1.2 for various browsers?
   In order to perform your banking transaction in a secure environment through BOCNET, you are required to enable Transport Layer Security (TLS) 1.1 and 1.2.
   
   

   Browser	Step
   Internet Explorer	1. Launch Internet Explorer 2. From the menu bar, click Tools > Internet Options > Advanced Tab 3. Scroll down to Security category, manually check the option box for Use TLS1.1 and Use TLS1.2 4. Click Ok 5. Close your browser and restart Internet Explorer
   Google Chrome	1. Launch Google Chrome 2. Click Alt F and select Settings 3. Scroll down and select Show advanced settings 4. Scroll down to the Network section and click on Change proxy settings 5. Select the Advanced Tab 6. Scroll down to Security category, manually check the option box for Use TLS1.1 and Use TLS1.2 7. Click Ok 8. Close your browser and restart Google Chrome
   Mozilla Firefox	1. Launch Mozilla Firefox 2. In the address bar, type about:config and press Enter 3. In the Search field, enter tls. Find and double-click the entry for security.tls.version.min 4. Set the integer value to 3 to force protocol of TLS1.3 5. Click Ok

1. What should I do when my computer hangs or the internet connection is cut off during banking transaction performing?
   If such case, you should resume access to the internet and log in to the Personal Internet Banking in the normal way. Check the balance or transaction records of your account through Accounts Overview and Transaction Records in My Accounts menu, and determine whether or not any transactions you were completing have been successfully fulfilled.
   If the transaction has been successfully completed, you do not need to take any further action. If the transaction has not been completed, you may perform the transaction again according to your needs. If you have any questions or need any help, please contact us.
   
   
2. What should I do if the account information displayed incorrect?
   Please immediately contact us to look into the problem.