Giro : SMBC Indonesia

Current Account

The current account is specifically designed to support customer business activities, both individual and non-individual.

Product overview

  1. It is a current account equipped with a cheque facility.
  2. The account can be accessed through branch offices.
  3. ATM card services are available for individual customers (upon request).
  4. Interest earned is subject to tax in accordance with government regulations.
  5. Minimum initial deposit: IDR 1,000,000 (for both individual and non-individual accounts)*
  6. Monthly administration fee (for individual and non-individual accounts): IDR 25,000/month*
  7. Dormant account fee: IDR 50,000 (for both individual and non-individual accounts)*
  8. Account closing fee: free*
  9. Transaction information services via SMS and Email related to account transactions are available. The providers that customers can use to receive automatic services are currently GSM providers.

             *Effective as of November 3, 2025

 

Customer terms & conditions

 

Get Giro Now

  • Available for individual and non-individual customers
  • Complete the account opening form and submit supporting documents that are required
  • Required documents:

Individual

  • Original ID card
  • NPWP (tax identification number) Card

Non-individual

  • Original ID card
  • NPWP (tax identification number) Card
  • Company documents, such as SIUP (business permit) and TDP (company registration certificate) 

 

Customers who need to get information, share advise or complaints regarding SMBC Indonesia products and/or services, can directly contact our Consumer Complaints Management Unit in the nearest SMBC Indonesia branch office or SMBCI Care on 1500365. 

 

Significant Impact

Our empowerment program is an integrated element to our business model. We will always try to create opportunities for all SMBC Indonesia customers to grow and make a more meaningful life through our products and activities.

Erna Zurnimawati

"While being a customer of Bank SMBC Indonesia, I have been guided by the Daya team, starting from exhibitions, coaching, and many online and offline training sessions. I have also received orders from SMBC Indonesia itself"

Siti Rochanah

"I am able to manage my business finances and its online store as taught by Daya, and am often invited to participate in various exhibitions. The pinnacle of my achievement was being introduced to President Joko Widodo at an exhibition held by SMBC Indonesia, and my product, Iwaknyuzz, received an appreciation from him"

Adam Abdullah

"Through the Daya program, we also received capital support that helped us increase production capacity even further, through an easy and non-burdensome capital scheme. This business easily obtains adequate and measurable capital according to the capacity and ability of the business. We are grateful that WGB is now a market leader in the plus-size men's retail clothing business"

Agnes Sukenty Niken

“After receiving personalized coaching for 6 months from Daya SMBC Indonesia, starting from creating a business plan, ensuring the supply chain of raw materials, and scaling up the business itself. It turns out that running this business involves so many things that I had not previously thought. As of now, Ing Pawon's products are available in various modern retail outlets from Papua to Sumatra ”