For BCA, the format is: 3 digits of BI code (014) plus 4 digits of the code of the branch bank. If you opened account in BCA Cabang Siliwangi Semarang. The code is 0246 (could be found in the BCA site). So the result is :0140246. bca site for branch and code info : http://www.klikbca.com/individual/silver/network.html