UOB Indonesia (loans) vs BCA (loans): which is better? Comparison 2026

By our public methodology UOB Indonesia (loans) scores 84 out of 100 and BCA (loans) scores 74. Below: the factors and facts where they differ, each fact with its source.

Personal loans (KTA) in Indonesia 2026: licensed banks ranked How we rank

1

UOB Indonesia (loans)

84/100
3

BCA (loans)

74/100

Score breakdown

UOB Indonesia (loans)BCA (loans)
Licence100100
Transparency8080
Cost8650
Service3528

Pros and cons

UOB Indonesia (loans)

  • Long licence history
  • Published rate below the country reference
  • Licence confirmed by the official list or a stated licence number
  • Fees or full loan terms are readable without login
  • A charge can apply to early repayment

BCA (loans)

  • Long licence history
  • Licence confirmed by the official list or a stated licence number
  • Fees or full loan terms are readable without login
  • Publishes how to complain
  • An arrangement fee can apply
  • A charge can apply to early repayment
  • Online application is not open to new customers

Facts side by side

FactUOB Indonesia (loans)BCA (loans)
Licensed since1956 uob.co.id1957 bca.co.id
Licensed by the regulatorYes uob.co.idYes bca.co.id
Published rate, % of country reference78% uob.co.id101% bca.co.id
Free early repaymentNo uob.co.idNo bca.co.id
No arrangement feeYes uob.co.idNo bca.co.id
Fees or terms publishedYes uob.co.idYes bca.co.id
Complaints procedureYes uob.co.idYes bca.co.id
Online application for new customersNot verifiedNo bca.co.id
Support hours a week168 h uob.co.id168 h bca.co.id
Maximum amount, % of country reference80% uob.co.id40% bca.co.id
Longest term48 mo uob.co.id36 mo bca.co.id

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