You can buy
this charger for $295. You could also buy a new battery for about the same price! This charger won't balance your battery cells, it just charges them to the voltage you specify. Somewhere in the operating manual it says you must charge to 100% from time to time to balance the cells (yes I read it a while ago). You will not save $295 unless you are running an e-bike rental business and have a couple of dozen batteries to look after.
Maybe it would be more correct to say "to when the BMS says the battery is full"?
We know that Tesla for example is charging 18650 cells to less than 4.2v to make them last much longer. This is the kind of information which makes people think they can charge their bike battery to less to make it last longer too.
You can't do that at home unless your BMS and charger is designed to balance at a lower voltage.
Storage voltage out of the factory for most Lithium cells is 3.85v.