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Business accounts built for growth
Go beyond traditional banking with a Monit giro account designed to help your business thrive. Enjoy real-time visibility, built-in virtual and physical cards, and get ~2% yield on your balance
Get business GIRO in less than a week
Online onboarding
Monit is a technology company, not a bank. GIRO accounts are provided by PT Bank Digital BCA and regulated by OJK and BI. BCA Digital is a member of LPS (Lembaga Penjamin Simpanan)
Enjoy ~2% yield
Maximize your idle cash with competitive interest rates. Your balance works for you, earning returns while staying accessible for daily operations.
Create virtual cards
Issue unlimited virtual cards instantly for your team. Perfect for online subscriptions, digital advertising, and secure online payments.
Request physical cards
Order physical debit cards for your employees with custom spending limits and merchant controls. Delivered to your office within days.
Monit Business Giro vs Traditional Giro
| Benefit | Monit Business Giro | Traditional Giro |
|---|---|---|
| Faster account opening | Open an account in less than a week online | Lengthy and manual application processes involving paperwork and in-branch visits. |
| Yield | Enjoy up to 2% yield on your balance | 1%-1.75% p.a., depending on bank policies and balance tiers. |
| Cashback | Enjoy 0.5% cashback on every Card transaction for the first month. | No transactional cashback or spending incentives. |
| Local transfer* | IDR 1,500 | IDR 2,500 |
| Virtual card | Instant virtual corporate cards for online payments and SaaS subscriptions. | No built-in virtual card |
| Physical card | Order and get physical cards in less than a week | Lengthy approval process for physical cards, typically taking 14 business days, excluding delivery time. |
| Spend control | Control how your card is used, set limits and rules to stay secure | No spend control, call the support if something goes wrong with your card |
| Expense Management | Real-time expense tracking and centralized visibility. | Manual expense tracking and reconciliation. |
*)only applicable on Monit Dashboard
Instantly create virtual and physical cards
Issue unlimited virtual cards instantly for online payments and subscriptions. Need physical cards for your team? Request them with custom spending limits and merchant controls — delivered 2 days.
Learn more about business cards
Business accounts that empower growth
Discover how businesses are leveraging Monit Business Giro to streamline operations, enhance financial control, and drive growth.
Alterra
Flexible business giro for complex operations
Challenge
Alterra needed flexible business giro that could adapt to their complex business operations. Traditional banks couldn't handle their unique requirements and operational complexity.
Solution
Monit's business giro with virtual and physical cards provided the flexibility they needed, adapting seamlessly to their complex operations and day-to-day business activities.
Get started in just 5 minutes
Once you sign in to the platform, you can create cards in just a few clicks!
Get started