Mobile banking in Indonesia is evolving fast. Understanding the benefits of mobile banking apps in Indonesia will help you pick the right one.
This article covers the most trusted, safe, and feature-rich mobile banking apps. Find out what sets them apart and how to download each one.
Mobile Banking Apps in Indonesia: What You Should Know?
Indonesia has seen massive growth in mobile banking adoption. People are choosing apps over physical branches for convenience.
These apps offer features like QR payments, real-time transfers, and e-wallet top-ups. Most provide strong security such as 2FA and biometric logins.
Trusted local and global banks back them. Choosing the right one helps you manage your money smarter.
List of Top Banking Apps in Indonesia
Below is a breakdown of the best mobile banking apps available in Indonesia. Each offers different strengths in security, usability, and features. Pick one that fits your financial routine.
Jago: Customizable and User-Friendly
Jago offers users full control with its smart savings jars. You can easily manage daily spending and shared pockets. The interface is clean, and security is strong with biometric login.
Download Jago via Google Play or the App Store for iPhone users. It supports QRIS payments, bill splits, and links with apps like Gojek and Bibit.
Jago also helps automate budgets and saving targets. You’ll enjoy zero monthly fees and flexible spending tools.
Aladin Bank: Sharia-Compliant Digital Banking
Aladin is a Sharia-compliant banking app with strong digital support. You get zero-fee services and a smooth onboarding flow.
Designed for ethical banking, it meets Islamic principles. Get Aladin Bank on Google Play. Download for iOS via App Store.
It includes zakat options, donation tools, and smart bill payments. Users enjoy real-time transfers and card control. It’s secure, verified, and designed for simplicity.
BCA Mobile: Trusted by Millions
BCA Mobile works well on any phone and has a lightweight design. It’s ideal for quick daily transactions. Millions use it for transfers, top-ups, and bill payments.
You can install BCA Mobile through Google Play. If using iOS, download from the App Store.
The app includes Flazz management, card blocking, and m-BCA PIN for safety. It binds to your device for added protection. It’s reliable and covers most banking needs.
Livin’ by Mandiri: Feature-Rich and Efficient
Livin’ by Mandiri delivers fast access to banking, investments, and QR payments. Its layout is clean and user-friendly.
It’s updated often to improve user experience. Download Livin’ on Google Play. iOS users can download via the App Store. You can manage mutual funds, block cards, and split bills.
Security includes Face ID, PIN, and transaction alerts. It’s great for users who want full-service mobile banking.
BRImo: Secure and Accessible
BRImo is stable, easy to use, and works even on low connections. It supports a wide range of banking features. You also get biometric security and timeout settings.
Install BRImo from Google Play. On iOS, find it on the App Store. It includes QRIS, e-wallet top-ups, and account tracking. Redeem BRI points directly from the app. In-app chat support is also available.
blu by BCA Digital: Modern and Minimalist
blu by BCA is digital-first and perfect for Gen Z users. It’s easy to register and simple to use. Features are modern and designed for flexibility.
Get blu for Android via Google Play. On iOS, download from the App Store. You can use bluSaving, bluGether, and budget tracking.
It works well for freelancers and young professionals. Security uses face recognition and OTP codes.
SeaBank: Integrated with Shopee
SeaBank links well with Shopee, offering zero-fee services. It’s fast and pays interest daily, ideal for online shoppers who want quick transfers.
Download SeaBank on Google Play. If you use iOS, go to the App Store.
The app supports scheduled transfers, top-ups, and instant payments. It’s user-friendly and secure with 2FA. Great for e-commerce transactions.
Line Bank: Banking Meets Messaging
Line Bank mixes chat-based design with full banking features. It’s casual, easy, and quick to set up.
Powered by Hana Bank, it offers modern tools. To install Line Bank on Apple devices, go to the App Store.
It has QRIS, card management, and savings options. You can chat with support directly in-app. The app uses biometric login for security.
Neo+ by Bank Neo Commerce: High Interest Savings
Neo+ focuses on rewarding users through daily interest. It’s fast to set up and easy to use. The layout is sleek and modern.
To get Neo+, download from Google Play. On iPhone, use the App Store.
It offers Neo Now, real-time interest, and Neo Rewards. OTP and PIN protect your account. It’s excellent for digital savers.
TMRW by UOB: Smart, Personalized Banking
TMRW uses AI to help you save and track expenses. The interface is clean and visual. It’s built for modern users who want insights. Install TMRW from Google Play.
For iOS, download through the App Store. The app provides smart tips, goal tracking, and interactive savings. It includes 2FA and device-based login. Frequent updates improve usability.
Tips for Choosing and Using Mobile Banking Apps
Choosing the right mobile banking app requires attention to features and safety. Below are actionable tips to help you stay secure and make the most of your app experience:
- If you already have an account, start with your current bank’s app—it’s usually easier to set up.
- Read reviews and ratings on the Play Store or App Store to gauge reliability.
- Check app permissions before installing to avoid unnecessary data access.
- Enable two-factor authentication (2FA) and biometric login for added protection.
- Use secure internet connections, never public Wi-Fi, for financial transactions.
- Turn on account alerts to notify you of every transaction in real time.
- Use built-in saving tools or smart jars to automate your budgeting.
- Look for extra features like investment access, QR payments, and zero-fee transfers.
- Avoid using rooted or jailbroken phones when accessing mobile banking apps.
- Log out after use and regularly update your app to ensure you get the latest security patches.
Final Thoughts: Choose Based on Your Needs
These mobile banking apps offer safe, modern, and fast options. Choose the one that best suits your money management needs.
Whether you need high savings rates or Shopee integration, there’s a tool for it. Stay secure and enjoy smarter digital banking.
