Giro IDR

  • Overview
  • Requirements
  • Additional Information

Rupiah Current Account (Giro Rupiah) is a current account that can be withdrawn at any time by check, Bilyet Giro, or other payment methods. Giro Rupiah has several benefits, as follows:

  1. 1. Giro Rupiah is calculated using a tiered (multirate) interest rate structure calculated using the sliding method based on the daily account balance, whereby higher account balances earn higher interest.
  2. Individual Giro Rupiah Customer can do transaction by using Mobile Banking and Internet Banking facility.
  3. Non-individual Giro Rupiah can do transaction by using Internet Banking Corporate facility.
  4. The ATM card is provided for Individual Account Holders.
  5. Customer can do transaction at the whole Bank Mestika Offices.
  6. Auto Debit Biller and Bank Mestika Virtual Account facilities are available.
  7. Payroll facility is provided for employee salary payments.
  8. Customer can join Bank Mestika Gempita lottery program:
    • An average monthly balance of Rp 1.000.000,- (one million rupiah) will receive 1 (one) lottery number (applicable in incriments) and have the chance to win Regular Prfize Lottery.
    • An average monthly balance of Rp 500.000.000,- (five hundred million rupiah) will receive an additional 1 (one) lottery number (applicable in incriments) and have the opportunity to win the Grand Prize Lottery.
  9. Overdraft Safe Guard (OD Safe Guard) and Sweep are available.
  10. Initial Deposit and Minimum Balance
    11. Individual Giro Rupiah
    • Customer shall have a minimum initial deposit of Rp1.500.000,-.
    • Customer shall have a minimum balance of Rp1,000,000,- for OD Safe Guard and Sweep.
    Non-Individual Giro Rupiah
    • Customer shall have a minimum initial deposit of Rp2.000.000,-.
    • Customer shall have a minimum balance of Rp1.000.000,- for OD Safe Guard and Sweep.
    • Customer shall have a minimum balance of Rp10.000.000,- for Payroll facility.

Term and Condition

  • Individual Giro Rupiah
  1. Customer shall present the original valid identification documents, as follows:
    • For Indonesian citizens (WNI), an E-KTP.
    • For Foreign nationals (WNA), a KTP/KITAP/KITAS and a Valid Passport.
  2. Submit the Taxpayer Identification Number (NPWP)
  3. Customer shall complete and sign the Giro Account Opening Form and Personal Data Form
  • Non-Individual Giro Rupiah
  1. Owner's Electronic ID Card (E-KTP).
  2. Company's Tax Identification Number (NPWP).
  3. Company Establishment Deed.
  4. Business Registration Number (Nomor Induk Berusaha "NIB").
  5. Declaration letter of individual establishment from the Indonesia Ministry of Law and Human Rights.
    6. If the Customer passes away, the release of the Giro savings by the heir shall conform to the prevailing laws.

*) The advantages of the individual is a client Giro rupiah rupiah demand deposit account holders the opportunity to enter the lottery and whistles that will be drawn every 6 months where every kelipata Rp.1.000, - from current accounts will get 1 (one) lottery numbers.

Overview of Product and Service (General) Rupiah Current Account for Business/Legal entities Download Here
Overview of Product and Service (General) Rupiah Current Account for Individual Download Here
Product Risk

  1. If the Customer’s check or Bilyet Giro is lost, the Customer must immediately report the loss to the Bank by providing a loss report issued by the relevant authorities. The loss will be the Customer’s responsibility.
  2. If the Customer issues a check or Bilyet Giro with insufficient funds, the Customer’s name may be included in the National Blacklist (DHN). This may result in the Customer’s account being closed and the Customer being unable to open a Current Account at another Bank.
  3. The Customer will be charged a fee for rejected checks or Bilyet Giro.
  4. An account that has no activity, such as balance checks, deposits, or withdrawals, for more than 360 consecutive days will have its status changed to inactive on the 361st day.
  5. An account that has no activity, such as balance checks, deposits, or withdrawals, for more than 1800 consecutive days will have its status changed to dormant on the 1801st days.
  6. An account with a zero balance for 30 consecutive calendar days will be automatically closed by the Bank Mestika system.

Fees
  1. Monthly administration fee: Rp30.000,- per month.
  2. Inactive administration fee: Rp0,-.
  3. Dormant administration fee Rp50.000,- per month (the average monthly balance less than Rp1.000.000,-).
  4. Cheque/Bilyet Giro Book Fee: Rp300.000,- per book.
  5. Giro Transfer Rejection Administration Fee: Rp 25.000,- per sheet.
  6. Debit Clearing Rejection Administration Fee: Rp 150.000,- per sheet.
  7. Interbank transfer fee via Bank Mestika CRM, ATM Bersama & Prima failed due to insufficient balance Rp4.000,- /transaction.
  8. . Cash withdrawal via the ATM Bersama & Prima network failed Rp4.000,- / transaction.
  9. Account closure fee: Rp30.000,-.

For more information call us MestikaCall 14083 or visit our nearest branch.