GIB provides widerange of accounts and services for the management flexiblee of commercial transactions and cash flows every day. We can work with you to arrange customized solution that provides beneficial mix of liquidity, flexibility and returns.


GIB Commercial Current Account

All-in-one account for your everyday business banking needs.

Flexibility

Easy access to your funds when you need it

Practical fee options to match your transactional activity.

GIB Call Account

Capacity of short-term investment that take your money on call at competitive interest rates.

Money on call at competitive prices

Flexible interest rate structure, which rewards you for maintaining higher balances

Easy liquidity management.

GIB Overdraft

Provides the flexibility to cover any unforeseen expenses, purchased special or temporary cash insufficiency.

Structured facility to reflect your limit

Needs specific limit

Allows current balance to be in frames within limit.

Taking advantage of our products and flexible services to make and receive payments your business can:

easy needs of its creditors

enlarge effectivness in payroll processing

maximise liquidity and deminish administrative costs.

While we are carrying on you, you will have more time to focus on your core business activities.


Making payments

We have a wide range of payment solutions easy to meet your business needs.

Direct credits - ideal for multiple payments to different varying amounts.

Automatic payments - make payments at any time * Phone or Internet Banking.

Bill payments - payments amounts to change parties pre-selected at set times

Receiving payments

Our services for obtaining payments gives your business increase the cost of liquidity and drop admin.

EFTPOS - convenients and easy way to attract customers.

Direct debits - they remembered on payments of your customers when they are due.

Establishing global working capital is important, not only for the operations of all the days of activity, but also for its long-term use.

How to grow business faster, you will need more money for capital and investment work. A good working capital management can bing cash for investment, which in turn can help to improve profits and deminish risks.


Financing options

The funds are linked to flows of capital in general during the year to return to the changing needs and demands of business.

Scale below illustrates the financing options for the typical activity



Fluctuating working capital (short-term debt)

Fluent component of working capital is used to cash a day. This requirement of the short-term is generally financed by a source in the short term, as an overdraft, you can tap into and repaid easily and quickly.

The accessibility and flexibility of short-term debt will cost more than the long-term debt, such as term loans.

GIB provides current account credit to manage changes in cash flows every day and working capital needs.

Overdraft facility becomes in fact a GIB commercial checking account in a single solution for all your needs of capital and transactional work. You can manage this account as the primary account working capital.


How GIB can help

We are able to offer financing and cash flow mix solution for your business. If you also have international business connections, we are able to offer commercial solutions for integrating multi-currency and funds Dollar Philippine.

Our solutions electronic banking platform ensure safe, effective and easy to use from which you can manage your business.

Our electronic solutions include:


GIB Direct Online

Effective and easy online system for processing payments.

Wide range of electronic banking services

24/7 hour access to business accounts

Compatible with many major account and software packages.

GIB Transactive

Put through your transaction banking between Philippine and Australia.

View and make funds transfer between your Philippine and Australian accounts in one integrated platform

Reporting wide range and electronic payment options

Access to real time FX rates when making international payments.

GIB Transactive Trade

Manage your trade finance transfers directly from your PC.

Online updates and access to real trade finance data

Establish and make changes in transactions as required

Ready to install, log on and use.

GIB points services

Single connection point for all your SWIFT participating banking partners.

Makes it easy for channels to better control your global liquidity and cash management systems

Send MT101 messages directly to GIB via the SWIFT network and allows GIB to send MT940 messages directly to the client to report on balance and transaction movements of the client account.

GIB VISA Corporate Card or Visa card purchases GIB can help you control your business spending, improve cash flow and streamline purchasing systems. If you are looking for a simple way to manage business expenses or who want to reduce the costs of buying, we have a range of solutions to meet your needs.

Visa Corporate card - great way to manage company travel and entertainment expenses.

Visa Purchasing card - easiest way to pay and control your business related purchases, and procurement.

For more information or to apply for a card or paper GIB GIB Corporate purchasing information, contact GIB Commercial Cards Sales Manager.