Sharia-Compliant Transaction Management Solutions
Simplified transaction management using checks, giro (demand deposit) notes, and ATM card facilities.
Trustworthiness in Every Transaction
Bank Jakarta iB Giro Information
Optimize Transaction Management
Digital Service Access
Sharia Principles
Product Information, Profit-Sharing Ratio, Fees and Simulation
- Individual:
- IDR 500,000IDR 500,000
- Non-Individual:
- IDR 1,000,000IDR 1,000,000
*The Bank may grant a bonus at its discretion and is strictly prohibited from promising or guaranteeing bonus payouts to customers.
Registration Terms and Conditions
KTP (National ID) and NPWP (Tax Identification Number) for individuals or account managers for non-individuals
Deed of Establishment and Articles of Association
Latest Deed of Amendment
NIB (Business Identification Number) or other valid business licenses
Complete the account opening form.
Select either Wadiah or Mudharabah contract.
Make an initial deposit in accordance with applicable requirements.
The iB Giro account is activated and ready for use.
Other Information
- iB Giro operates in accordance with Sharia principles.
- Includes check and giro (demand deposit) note facilities.
- Includes Cash Management System (CMS) facilities subject to Bank requirements.
- ATM cards are available for individual customers.
- Supports transactions via e-channels.
- Eligible for bonuses or profit sharing based on the selected contract.
- The ratio and indicative profit sharing are subject to change based on the policies of the Bank, Bank Indonesia (BI), IDIC (LPS), and market conditions.
- There is a maximum deposit insurance limit by the IDIC (LPS) of IDR 2 billion per customer per bank.
- Includes risks related to the misuse of e-channels, PINs, or ATM cards by unauthorized parties.
- Changes in the ratio may affect the profit sharing amount received by the customer.
- The product complies with Sharia principles based on DSN-MUI Fatwa No. 02/DSN-MUI/IV/2020.
- Withdrawal and deposit procedures follow the provisions of the Bank Jakarta Sharia Business Unit.
- Account opening is exempt from stamp duty.
- A 20% profit sharing tax is applied to average balances exceeding IDR 7,500,000 in accordance with applicable regulations.
- Changes in the profit sharing ratio may affect the nominal profit sharing amount received by the customer.
- Customers may apply for account closure at the branch where the account was opened.
- Information regarding fees, benefits, and risks is subject to change in accordance with applicable regulations.
Product Information Summary (RIPLAY)
Frequently Asked Questions
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