Your business account should work hard, just like you
Most business accounts leave your money idle and lock up a maintaining balance just to stay open. Jia Business Accounts are built differently: earn interest from day one, skip the maintaining balance, and manage payments, collections, and balances in one place.
Powered by Netbank, a BSP-regulated bank, with deposits insured by PDIC up to ₱1 Million per depositor.
How Jia Business Accounts Work for You
3.25% p.a. on your cash
Your money earns while it sits, not the <0.1% most traditional banks offer on business deposits.
No maintaining balance, no monthly fees
Open and keep your account active at whatever size you're at today, with no hidden charges eating into your balance.
BSP-regulated, PDIC-insured
Powered by NetBank, a BSP-regulated bank, with deposits insured by PDIC up to ₱1M.
Fully digital opening
No branch visit, no document stack. Open your account online and start earning immediately. And when you're ready to grow, financing is right there too.
How much extra money are you leaving on the table?
Move the sliders below to estimate how much interest you stand to gain.
How it Works
Apply and get verified
with your business registration and a valid ID. No financials or credit history required, no branch visit. Jia reviews your documents and opens your account.
Fund your account and start earning 3.25% p.a. from day one
Fund from your existing bank, eWallet or another business account, with no maintaining balance required.
Build your profile
Every transaction builds the track record Jia uses when you're ready to apply for financing.
Eligibility Requirements
Business Registration
Registered with BIR
Registered with DTI or SEC
Mayor's Permit
Articles of Incorporation and GIS on file
Valid IDs
Government-issued ID for the account signatories
No minimum track record required
Newly registered businesses are welcome
No minimum time in operation
No revenue threshold to open a Jia Account
Frequently
Asked Questions
What is a Jia Business Account?
A Jia Business Account is an online business savings account built for Philippine SMEs. You earn 3.25% p.a. from day one, with no maintaining balance and no branch visit required to open it.
How is Jia Business Accounts different from Jia Advance or Jia Flex?
A Jia Business Account is a savings account, not a loan. There's nothing to repay. Jia Advance and Jia Flex are financing products you can apply for once you've built a track record with Jia, and a Jia account is often the first step toward qualifying.
Is my money safe with Jia?
Yes. Jia Business Accounts are held via NetBank, a BSP-regulated bank, and insured by PDIC up to ₱1 Million, the same protection your money would have at a traditional bank
Do I need a minimum balance?
No. You can open and keep your account active at whatever size you're at today.
How is interest calculated and paid?
Interest accrues daily on your balance at 3.25% p.a. and is credited automatically. There are no fees to earn it.
Are there any fees?
There are no fees to maintaining a Jia Business Account.
Can opening a Jia Business Account help me get financing later?
Yes. Your account activity builds a financial profile Jia can use when assessing you for Jia Advance or Jia Flex down the line.
