Cardless Cash Withdrawals Made Easier, New Innovation Expands National Digital Financial Access

The development of Indonesia’s digital economy continues to drive public demand for financial services that are increasingly practical, fast, and easily accessible. Amid rising digital transaction activity, ease of accessing funds has become a key factor in broadening public participation in the modern economic ecosystem. The ability to connect digital financial services with daily transaction needs is considered crucial to accelerating financial inclusion. The easier it is for the public to access and manage their funds, the greater the opportunity to increase the use of formal financial services across all levels of society. In addition to providing benefits for consumers, easier access to funds also has the potential to strengthen the economic activity of communities and businesses in various regions. Broader financial access can support smoother transactions, improve payment efficiency, and accelerate the circulation of money within the digital economic ecosystem. In line with these needs, ShopeePay is introducing a cardless cash withdrawal service through BCA’s ATM network across Indonesia, with a free facility and no administration fees. Through this service, users can withdraw their ShopeePay balance in cash at any time via more than 20,000 BCA ATMs spread across various regions of Indonesia. This innovation is part of the company’s efforts to expand public access to digital financial services while supporting national financial inclusion. President Director of ShopeePay Indonesia, Eka Nilam Dari, said that easy access to financial services is an important factor in encouraging public participation in the digital economic ecosystem. “We believe digital financial services must be easily accessible to all levels of society, including meeting the need for cash. The presence of the cardless cash withdrawal service through BCA ATMs provides a more flexible option for users to access and manage their funds according to their needs, while expanding access to digital financial services that are increasingly practical and convenient,” said Eka on Thursday (25/6/2026). According to her, easier access to digital balances not only benefits users in managing their daily financial needs but also helps strengthen public participation in the growing digital economic activity. ShopeePay considers ease of access to funds to be an important aspect in building public trust in digital financial services. “Therefore, integration with the BCA ATM network is carried out to deliver a transaction experience that is more relevant to user needs, including for those who still require cash for various purposes,” explained Eka. She emphasised that in addition to providing convenience for users, this service also has the potential to support merchants and sellers in various regions to become more connected to the digital economic ecosystem through payment solutions that are practical, easily accessible, and integrated. To make a cash withdrawal, users simply open the ShopeePay application, select the Cash Withdrawal menu, then choose the BCA ATM method. After entering the withdrawal amount and confirming the transaction using the ShopeePay PIN, the user will receive a Customer Number and a Cash Withdrawal Token Code that can be used on the Cardless Transaction menu at BCA ATMs. The cash can be collected immediately after the verification process is successfully completed. Eka added that the presence of this free cash withdrawal service complements the Pasti Gratis programme, which previously introduced various services with no additional fees. In addition to cash withdrawals, users can also enjoy free balance top-ups and transfers to all banks and e-wallets with no minimum transaction. ShopeePay also continues to expand its application functions as a platform for managing daily financial needs. Various services are available in one application, ranging from QRIS payments, purchasing mobile credit and electricity tokens, to paying various routine bills. In terms of security, all user transactions are protected through various protection features, including ShopeePay Proteksi, which provides additional protection and a 100% balance refund guarantee for transactions that meet the applicable terms and conditions. “With the presence of the cardless cash withdrawal service through BCA ATMs, we hope that more people will access digital financial services easily, safely, and affordably. This step is also part of the effort to expand financial inclusion and strengthen the foundation of Indonesia’s growing digital economy,” concluded Eka.