Banks are one of the most important public facilities for the community. Various banking services can not only be used to save but also to transact. Nowadays, banks are undergoing rapid changes. This is indicated by the existence of online banking and digital banks. Online banking is a conventional bank service that is digitized to facilitate transactions. On the other hand, digital banks offer various banking services that can be accessed via cell phones without the need to go to a conventional bank. Here are the 12 best digital banks in Indonesia in the year 2022.
1. Bank Jago
Bank Jago had the name Bank Artos before it was acquired by Jerry Ng and Gojek. This bank has an orientation to facilitate financial management in daily life. Bank Jago is one of the best digital banks that provides a fast application, has complete features, and has high savings interest. You can register at this bank via video and fill in several requirements such as e-KTP, NPWP, active email, and Android smartphone version 5.0 and above or iOS 10.0 and above.
Jenius is a digital bank that also became king among the best digital banks in Indonesia. This bank is also a pioneer for digital banks that have been around since 2016. It is a subsidiary of BTPN that has gained many customers in a relatively short time. Jenius was widely discussed because it applied admin fees that were previously free.
TMRW is a digital bank that is a subsidiary of Bank UOB Indonesia which was launched in 2020. TMRW shows its existence by getting many customers in 2021. The interesting thing about the TMRW application is its modern appearance and the menus provided are user-friendly. This of course fits with the target of this bank, namely young people or millennials.
4. Blu by BCA Digital
Blu by BCA Digital is a banking product that is still part of the BCA Group. This bank was introduced as an application that does not use a branch office or branchless. This is so that this bank can compete with other digital banks such as Jenius and Bank Jago. The appearance of this bank application is also modern and adapted to the times. Registration is also easy via video call like the previous digital bank.
Wokee is a digital bank that is still part of Bank Bukopin. This bank uses the concept of a cashless society which is suitable to be applied today. All banking service processes are carried out in one application. You can register directly through the Wokee application and you also don’t have to worry about additional fees if you want to create a new bank account.
Digibank is a banking product from DBS that targets prospective customers with professional jobs such as civil servants, private employees, and entrepreneurs. Account creation can be done through the application, with the addition that you have to go to a gen bank or DBS booth. The unfortunate thing is that the new DBS booth is only available in big cities.
7. LINE Bank
LINE Bank is a digital banking application that is the result of LINE’s collaboration with Hana Bank. Like digital banks in general, account registration can be done via video calls and all services can be accessed through one application. What’s interesting is that LINE Bank offers account management with multiple accounts which are limited to a maximum of 8 accounts with 1 main account and 7 sub-accounts. In addition, each account can also be connected with a debit card.
Livin’ is a digital bank from Mandiri that provides services for retail and corporate customers. This bank relies on Bank Mandiri’s digital infrastructure that is connected to the digital business ecosystem. The Livin’ app offers account opening and services in one login. In addition, this digital bank application also offers a Quick Pick feature that helps customers to access transactions instantly.
9. Permata ME
Permata ME is a transactional digital bank owned by Permata Bank. This bank transaction can be done through the application only without the need to go to a conventional bank. In addition, customers can also get cashback promos when making various online transactions. Another interesting thing is that this bank does not require an initial deposit and there is a free administration fee.
D-Save is a digital bank from Bank Danamon that provides facilities for daily financial management and long-term planning for customers. There are two types of savings in this digital bank, namely D-Save and D-Save Plus savings. D-Save Savings is intended for those of you who use an account as a daily and long-term transaction tool, while D-Save is a savings account for long-term plans, especially savings so that there are no transaction services.
11. Aladin Bank
Aladin Bank is a digital bank product with sharia principles that is suitable for those of you who want to save with this principle. This digital bank is also touted as the first digital Islamic bank in Indonesia. The bank registration process is also fairly easy by using a facial scan. In addition, Aladin bank also has a goal saver feature that makes it easier for users to save for short-term goals. You can also set up bank accounts for up to 20 accounts for one account.
Neobank is a digital banking service that does not require an initial deposit to open an account. There are many functional features in the Neobank application, one of which is the existence of recording money with Neo Jurnal. In addition, you can also use the chat feature for transfers. In addition, you can invest in this bank, especially in deposits that offer high-interest rates and start with Rp. 200,000.
Those are the 12 best digital banks in Indonesia, the latest 2022. Each digital bank provides various attractive offers that can help you save and transact more easily. Hope this helps.