Zero Balancing

Zero Balancing is a tool for large corporate groups which have many accounts, a centralised finance function and their own intra-group bank. Zero Balancing enables the group to reduce its interest expenses and obtain higher credit interest rates through better utilisation of their total capital.


  • Higher interest income
  • Lower interest expenses
  • More effective management of currency exposure
  • Better monitoring and control of the subsidiaries' liquidity

Suitable for large groups with:

  • An effective electronic accounting system/intra-group bank function
  • Many accounts and a need to have liquid funds in one account
  • A centralised finance function

What is Zero Balancing?

A Zero Balancing system consists of operating accounts for the individual subsidiaries and a master account belonging to the parent company.

All accounts can have their own credit limits.

Legal issues:

The establishment of a group account system requires that the company is an independent legal entity or a corporate group as defined in the Norwegian Companies Act.

Any participants from outside Norway must meet the legal requirements that apply in their respective countries.

Related products: Group account system, Multi currency account system, Multi currency group account, International Cash Pool, Liquidity Module