I am an American and I sent money to an indonesian family. They recently opened an account with BCA. It has been 15 days and the funds have not been released. First BCA issued a 16 digit reference number. Then they insisted that the family go in person. When they did, BCA said the transfer has to be processed at yhe head office. We have used Mandiri Bank smoothly. Money arrives in minutes. BCA is not very good. Please avoid
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