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Giro Business Smart

A business transaction solution with more than 10 currency options in 1 account

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Various Currencies in 1 Account

Flexible to choose foreign currencies according to business needs

Low Initial Deposit

IDR 1 Million initial deposit

Affordable transaction

Enjoy easy transactions with affordable fees

Other Benefit

Complete Facilities

Easy transaction anytime anywhere with OCBC Business and Virtual Account

Further Information

Related information about Giro Business Smart

Required Documents	Individual	Corporate
Account Opening Application Form	V	V
Terms and Conditions	V	V
Business Smart or Business Signature Account Opening Statement Letter	V	V
ID Card (KTP/SIM)	V	V
Passport + Residence Permit Card (KIMS/KITAS)	V	V
NPWP	V	V
Establishment Deed	-	V
SK Amandement Deed (if any)	-	V
Ministry of Justice Decree (SK Menkumham)	-	V
Business License (SIUP)	-	V
Company Registration Certificate (TDP) / (Foundation Registration Certificate (TDY) - for Foundation)	-	V
Certificate of Business Domicile (SK Domisili)	-	V
Permission from the competent authority	-	V

Fee Type			Amount	Unit
Administration Fee			IDR 30,000.-	per month
Initial Balance			IDR 1.000.000,-
Minimum Balance			IDR 1.000.000,-
Fall Below Fee			Free	per month
Non-OCBC ATM balance inquiry fee			IDR 4,500.-	per inquiry
Non-OCBC ATM withdrawal fee			IDR 8,000.-	per withdrawal
IDR Transfer Fee	Online Transfer		IDR 6.500.-	per fund transfer
	LLG/SKN		IDR 2.000.-	per fund transfer (internet banking/OCBC mobile/OCBC Business)
	LLG/SKN		IDR 2.900.-	per fund transfer (branch)
	RTGS		IDR 25.000.-	per fund transfer (internet banking/OCBC mobile/OCBC Business ≤ 14:00 WIB)
	RTGS		IDR 30.000.-	per fund transfer (branch/OCBC Business > 14.00 WIB)
	BI-FAST		IDR 2.500.-	per fund transfer
Foreign Currencies Transfer Fee	OCBC World Transfer (Outgoing Telegraphic Transfer)	Provision Fee	Free	per fund transfer
		Telex Fee	IDR 100.000,-	per fund transfer
		Full Amount Fee	AUD 30, CAD 25, CHF 20, EUR 20, GBP 20, HKD 300, JPY 5.000 (up to transfer nominal of JPY 40 mio) + 0,05% of the remaining transfer nominal (0,05% x (transfer nominal – JPY 40 mio), NZD 45, SGD 25, USD 25, CNH 200, AED 100, THB 800, KRW 35.000	per fund transfer
	Incoming Telegraphic Transfer	Shared Fee	AUD 6, CAD 6, CHF 6, EUR 3,5, GBP 2,5, HKD 35, JPY 500, NZD 9, SGD 7,5, USD 5, CNH 32, AED 20, THB 175, KRW 7000	per fund transfer
	OCBC Network Transfer		- SGD 15 - HKD 100	per fund transfer
Chequebook Order fee			IDR 300.000.-	per book
Card Replacement Fee			IDR 20.000.-	per replacement
Stamp Duty Fee			IDR 10.000.-	per stamp
Account Closure Fee			IDR 100.000.-
Inactive/Dormant Account Fee			IDR 100.000.-	per month
eAlerts Subscription Fee			Free	First 3 months
eAlerts Subscription Fee			IDR 50.000.-	per month

Notes:

The SKN/LLG fee above already includes Bank Indonesia’s fee of IDR1, -*/ fund transfer, in accordance with the provisions of PADG No. 5 of 2024.
SKN fund transfer instruction must be sent no later than 1 (one) hour from the time the Bank receives the SKN fund transfer order from the Sending Customer, and the forwarding of SKN funds to the Recipient Customer must be completed no later than 1 (one) hour after the SKN fund settlement instructions are received, in accordance with the provisions of PBI No. 21/8/PBI/2019.
The RTGS fee above already includes Bank Indonesia’s fee of Time: 06.30 to 10.00 WIB = IDR6.000, -* | Time: > 10.00 to 14.00 WIB = IDR 15.000, -* | Time: 14.00 s.d. cut off = Rp21.000, -*, in accordance with the provisions of PADG No. 8 of 2024.
RTGS fund transfer instruction must be sent no later than 1 (one) hour from the time the Bank receives the RTGS fund transfer order from the Sending Customer, and the forwarding of RTGS funds to the Recipient Customer must be completed no later than 1 (one) hour after the RTGS fund settlement instructions are received, in accordance with the provisions of PBI No.17/18 /PBI/2015.
The BI-FAST fee above already includes Bank Indonesia’s fee of IDR9, -*/ fund transfer, in accordance with the provisions of PADG No. 17 of 2023.
The BI-FAST system facilitates payment transactions anytime in real-time and is available for 24 (twenty-four) hours a day and 7 (seven) days a week (24/7), based on the provisions of PADG No. 17 of 2023.

*Costs excluding 11% VAT

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