giro : SMBC Indonesia

Mitra Giro, Karya Giro, and Giro Bisnis

SMBC Business Banking, through its products Mitra Giro, Karya Giro, and Giro Bisnis, offers various business transaction conveniences for you and your business partners.

Giro Karya & Giro Mitra

Accounts may be opened in the name of individuals or companies, as well as joint accounts (individual-to-individual or company-to-company).
Withdrawals/fund transfers from the current account are made using checks/giro slips and internet banking (TouchBiz)
Online deposits can be made at branches, and account statements are sent automatically.
Minimum initial deposit: IDR 1,000,000 (individual and non-individual)*
Monthly administration fee (individual and non-individual)
IDR 25,000/month*

(For Giro Karya, the administration fee applies to accounts opened after the effective date.)

Dormant fee: IDR 50,000 (individual and non-individual)*
Account closing fee: free*
No minimum held balance (for accounts opened after the effective date)

*Effective as of November 28, 2025

Giro Bisnis :

Available in IDR and 12 foreign currencies
Available to individual and non-individual customers
Withdrawals/fund transfers can be made using checks/giro slips and internet banking (TouchBiz and SMAR&TS)
Overdraft facility available (IDR currency only)
Subject to monthly administration fees
Subject to dormant fees
No account closure fee
Consolidated Account Statement (LKR) available by monthly

For further information, please contact a Relationship Manager at the nearest SMBC Indonesia branch.

Product Information & Charges - Giro Mitra

Product Information & Charges - Giro Bisnis

Product Information & Charges - Giro Karya

Registration Procedure

Fill in application form and other documents
Attach a copy of the account owner’s identity, including:
For Individual Customer:
1. ID card/passport
2. Tax Registration Number (NPWP)
For Company Customer:
1. Certificate of incorporation and Amendment of the Company’s Articles of Association
2. Company registration
3. Business permit
4. NPWP
5. ID card/passport from each member of the board of directors
Make initial deposit
Is not included in Bank Indonesia’s blacklist

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 ”