Bank bjb Launches 'Giro Surplus' Programme to Optimise Idle Funds
Sometimes, a business has a significant amount of idle funds in its giro account, but these funds will not be needed in the near future. The money is available, but it is not being used productively. On the other hand, operational liquidity needs must still be maintained.
In the fluctuating business environment, especially in project-based or contract-based sectors, cash flow often comes in large amounts at once, then experiences a pause before being used again to pay salaries, purchase raw materials, or make capital expenditures. Without proper management, these funds simply sit idle without providing added value.
Seeing this need, bank bjb presents the Giro Surplus Programme, a fund management solution for non-individual giro customers. This programme is designed to help companies optimise idle funds without disrupting operational activities.
Through Giro Surplus, customers can place funds for a flexible period, ranging from one to twelve months. This scheme allows companies to manage liquidity according to their cash flow strategy, while also having the opportunity to earn competitive rewards in accordance with the programme’s terms.
The rewards provided are programme incentives and not giro interest. Customers can also choose the reward payment scheme, either at the beginning, gradually, or at the end of the deposit period.
Customers can make more than one deposit with different amounts and terms in the same account. This provision provides flexibility in adjusting the fund management strategy to business needs.
The Giro Surplus programme runs from 12 January to 31 March 2026 and is intended for non-individual giro customers. This programme is a form of bank bjb’s support for the business world in optimising healthy and planned financial management, while also strengthening long-term relationships with corporate and business customers.
With integrated and easily accessible services, bank bjb continues to encourage the creation of a banking ecosystem that supports business growth. The presence of Giro Surplus is a real proof of bank bjb’s commitment to providing financial solutions that are adaptive to the times.
Further information regarding bjb Giro Surplus can be obtained by visiting the nearest bank bjb branch, or through the bjb Call 14049 call centre or by visiting the official bank bjb website infobjb.id/girosurplus.