BCA Digital’s banking app tops 3 million users

Third-party funds have reached $793m.

PT Bank Digital BCA’s (BCA Digital) flagship mobile banking app has crossed the three-million customer mark, underscoring its growing traction in Indonesia’s digital banking sector, particularly among Gen Zers and Millennials.

More than 90% of its user base now comes from these younger segments, according to BCA Digital President-Director Lanny Budiati.

The platform has positioned itself as a mobile-first solution designed to meet the financial needs of younger Indonesians. Total third-party funds have now exceeded $793m (IDR13t), with average balances nearing $305 (IDR5m) per user.

But the milestone signifies more than just growth in user numbers, Lanny said. “The growth shows that blu is seen as a relevant and trustworthy financial partner, particularly for young Indonesians,” she said in an emailed reply to questions.

She said blu’s broader mission is to help build financial literacy and maturity from an early age.
“We want to give Gen Z the tools to boost their financial maturity from the start—whether it’s through saving, budgeting, investing, or even understanding risk and protection,” she said.

Among blu’s youth-focused offerings is bluAccount for Teens, a digital savings account for users aged 12 to 17 that requires parental approval. It includes features that guide young users toward healthy financial habits.

Other integrated services include bluInvest, which connects users to mutual funds via partners Moduit and FUNDtastic. The platform also recently added bluValas, enabling in-app foreign currency transactions, and bluRDN, which simplifies equity investing by linking to BCA Sekuritas.

In February, blu partnered with Garuda Indonesia to launch the Garuda x bluDebit Card—a co-branded, travel-oriented debit card made from recycled plastic.

“This is not just about payments; it's about lifestyle and sustainability,” Lanny said. “Young customers want meaningful benefits—miles, lounge access, and impact.”

To mark its fourth anniversary, blu has launched the “Tumbuh Bareng Kamu” campaign, featuring community events, writing contests, and digital content aimed at deepening user engagement.

Security and user education remain core priorities for the bank. Its #JagaDataJagaHarta campaign promotes safe digital banking habits, supported by regular infrastructure upgrades.

Licensed by the Financial Services Authority and supervised by Bank Indonesia, with deposit insurance from LPS, blu offers fully regulated digital banking services.

“We believe the next decade of banking will be defined by trust, access, and personal relevance,” Lanny said. “Blu is here to accompany young Indonesians through each phase of their financial growth—not just as a bank, but as a partner for life.”