Your business cash is just sitting there.

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SEC-registered · PDIC insured up to ₱1M · Powered by NetBank

Your cash should be working just as hard as you are. Jia makes that possible.

The problem isn’t your cash. It’s where you keep it.

This probably sounds familiar:
Your business account earns almost nothing
You keep a maintaining balance you don’t even use
Opening or managing accounts takes time and paperwork
You still have to go to a branch for basic things
Your money is there, but it’s not doing much
For most businesses, a bank account is just a place to park cash.
But your cash is part of how your business runs. It should earn, move easily, and support your operations. If your money is sitting still, your business is losing out.

Your account shouldn’t just store money. It should work for you.

the solution

How much is your business cash actually earning?

₱5,000,000 in your account
Traditional Bank
Jia
Interest rate
0.0625%
3.5%
Earnings per year
₱3,125
₱175,000
That’s ₱171,875 left on the table every year.
Imagine what your business could do with that:
Inventory you didn’t have to delay
A few extra months of payroll covered
Marketing or expansion you didn’t have to postpone
You can open a Jia account fully online.
No branch visits, no long forms. Start with a portion of your cash and see the difference immediately. You don’t need to switch everything. You just need to start.

Fixing this is easier than you think.

Levels

What changes when your cash actually works

Check Eligibility
Earn 3.5% p.a.

Earn from the cash you already have

Turn your idle balance into real income.

Fully online account

Move money without going to a branch

Send and receive funds without the usual back-and-forth.

No maintaining balance

Keep your cash usable, not locked in

Use your money when you need it.

No fees, flexible access

Be ready when opportunities come

Act immediately when needed, not later.

Built to support your business as it grows.

As your business runs through Jia, we get a clearer picture of how your cash actually moves. That means:
Better understanding of your operations
More context around your cash flow
Over time, better support when you need financing
Not just a place to store money, but a system that grows with your business.
comparison

How Jia compares to a typical business account

Traditional Bank
Jia
Interest
<1%
3.5%
Maintaining balance
₱10K–₱1M
None
Fees
Common
None
Application
In-branch
Fully online
Experience
Manual
Built for speed
A portrait of a friendly man in a wetsuit posing with his surfboard in front of vibrant green palm leaves.
Finn O'Brien
I'm from the Gold Coast originally – grew up surfing Snapper Rocks and Burleigh. Came to Bali for a two-week surf trip about seven years ago and just... never went home. The waves here are incredible, but honestly, it's the people and the lifestyle that got me.

I started coaching because I saw so many tourists getting terrible advice from random guys on the beach. I wanted to actually teach people properly – ocean safety, reading conditions, real technique. Whether you're catching your first wave or trying to nail a cutback, I'll break it down for you step by step. My job is to get you surfing better and keep you stoked the whole time.
Coach: Finn O'Brien
ENG / IND / ESP
what's next?

Start earning more from the cash you already have.

Start earning more from the cash you already have

That’s up to ₱171,875 more a year on ₱5M, without changing how you run your business.

Get early access

Fully online · No branch visits · No commitment

faq

Frequently
Asked Questions

01

Is my money safe with Jia?

Yes, Jia is SEC‑registered and your deposits are insured by PDIC up to ₱1 million per depositor.

02

How much interest does Jia earn?

3.5% p.a. on balances - many times higher than a typical Philippine business savings account.

03

Is there a maintaining balance or monthly fees?

None. Zero maintaining balance and zero monthly fees.

04

Can I withdraw my money anytime?

Yes, it’s a savings account, not a time deposit. Use your cash when you need it.

05

How do I open a Jia Business Savings Account?

Fully online: no branch visit, no paper forms. Submit your SEC/DTI registration, valid ID, and basic business info.

06

What’s the difference between Jia and a traditional bank savings account?

Jia offers higher interest (3.5% vs <1%), no maintaining balance, no fees, and a fully digital experience.

07

How do I know my deposit is insured by PDIC?

PDIC covers deposits in all BSP‑supervised banks, including digital banks like NetBank (Jia’s partner). Maximum coverage is ₱1 million per depositor as of March 2025.

Still have questions?

Whether it's about the products, application, or anything in between, we're happy to help.

Contact Us