Indonesia
activeNeobank
- HQ
- Jakarta
- Fee
- Free-transfer quota pitch — confirm live
Bank Jago
OJK digital bank. LPS. Gojek in the cap table is distribution, not the deposit.
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7.0Solid
AlternativesFive questions
At a glance
Is it a bank?
Yes — Bank — PT Bank Jago Tbk. Jago Syariah is the Sharia SKU (OJK / Bank Indonesia). Still read the entity on the statement.
If it fails?
LPS on eligible deposits at PT Bank Jago Tbk — confirm live cap
Salary?
Not listed. An IBAN or sort code is not automatically a salary account.
Open from abroad?
Residency and KYC are gated. An App Store listing is not proof you can onboard.
Monthly fee
Free-transfer pitch — confirm live
Account number
No IBAN-class local rail on this file.
NeoBankDB Verdict
Licence first · score second
7.0
/10 · Solid
PT Bank Jago Tbk is an OJK bank, Bank Indonesia-supervised, LPS participant. Jago Syariah is the Islamic SKU, DSN-MUI and a Sharia board. Gojek is a shareholder and a channel. The deposit is Jago. Krom is the other Indonesian digital bank on this desk.
What it is
Ex Bank Artos, listed ARTO. Directories still say Bank Artos on the App Store seller line. The live name is Bank Jago. Super-apps own Indonesian distribution. The OJK licence owns the money.
Best for: Indonesia residents who want an OJK bank with a Gojek-era app, including a Sharia SKU.
Last checked 2026-08-30. Not advice.
What it does well
- +Named OJK bank
- +LPS
- +Sharia SKU with DSN-MUI
- +Not a wallet
What to watch
- −Indonesia-resident
- −Gojek is not the licence
- −Krom / SeaBank are the local comps
- −IDR only as a home
Who holds the money
The account
How money actually moves
- Who holds the cash
- Bank balance
- How money moves
- In-app ledger
- Built for
- Personal · Halal
- Settlement
- App-ledger instant; bank rails per corridor
- Freeze risk
- Bank-grade; still not freeze-proof
- Card
- Bank Jago lists a physical card and a virtual card on visa, plus Google Pay. Confirm the live product in the app — a card is not a current account.
Licence first
Safety
LPS on eligible deposits at PT Bank Jago Tbk — confirm live cap
Who holds the money: PT Bank Jago Tbk
- OJK / Bank IndonesiaBank — PT Bank Jago Tbk. Jago Syariah is the Sharia SKU · Indonesia
Fees
- Monthly
- Free-transfer pitch — confirm live
- FX markup
- Not a travel bank
- ATM
- Network / free-transfer quotas
Features
- –IBAN
- ✓Fee-free core
- –Multi-currency
- –Apple Pay
- ✓Google Pay
- ✓Virtual card
- ✓Physical card
- –Metal card
- –Crypto
- –Stocks
- –Business
- –Kids
- ✓Halal
- Indonesian digital current / savings
- Jago Syariah
- Gojek adjacency
- LPS bank
- Pockets
Score
- Safety25%
- 7.8
- Fees20%
- 8.0
- Features15%
- 7.6
- App15%
- 8.2
- Global15%
- 3.0
- Support10%
- 6.4
Change log
Full logLicence
OJK digital bank, LPS
PT Bank Jago Tbk. Jago Syariah is DSN-MUI, not a second charter.
Available in
Straight answers
FAQ
01Is Bank Jago a bank?
Bank Jago holds a banking-style licence (OJK / Bank Indonesia). Still read the legal entity on the statement, not the app icon.
02How is money protected?
LPS on eligible deposits at PT Bank Jago Tbk — confirm live cap
03Where is Bank Jago available?
We list 1 market on NeoBankDB. Residency and onboarding rules still sit with Bank Jago.
04Card and wallets?
Bank Jago lists a physical card and a virtual card on visa, plus Google Pay. Confirm the live product in the app — a card is not a current account.
05Can I open Bank Jago remotely?
Residency and KYC are gated. An App Store listing is not proof you can onboard from your country.
Ratings and reviews
No published user reviews yet. The NeoBankDB score still comes from licence, fees, and the product — not from an empty star average.
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