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.
Rate this app
7.0Solid
AlternativesOur take
Desk verdict
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.
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.
Bank Jago lists Bank — PT Bank Jago Tbk. Jago Syariah is the Sharia SKU under OJK / Bank Indonesia in Indonesia. On safeguarding we currently write: LPS on eligible deposits at PT Bank Jago Tbk — confirm live cap. Holder / issuer line: PT Bank Jago Tbk. An AML programme is claimed. There is no IBAN-class local rail on the flags we store. We list 1 live markets on the product. As we score the sticker: monthly Free-transfer pitch — confirm live; FX Not a travel bank; ATM Network / free-transfer quotas. This desk would open it for: Indonesia residents who want an OJK bank with a Gojek-era app, including a Sharia SKU.
What it does well: Named OJK bank; LPS; Sharia SKU with DSN-MUI. What to watch: Indonesia-resident; Gojek is not the licence; Krom / SeaBank are the local comps. Desk score 7.0 / 10 (safety 7.8, fees 8.0, features 7.6, app 8.2). Last verified 2026-08-30. Headquartered in Jakarta, Indonesia; founded 2019. None of this is advice — it is a file so you can read the entity before the card colour.
Best for: Indonesia residents who want an OJK bank with a Gojek-era app, including a Sharia SKU.
Pros
- +Named OJK bank
- +LPS
- +Sharia SKU with DSN-MUI
- +Not a wallet
Cons
- −Indonesia-resident
- −Gojek is not the licence
- −Krom / SeaBank are the local comps
- −IDR only as a home
How it actually works
- Custody
- Bank balance
- Local rails
- In-app ledger
- Built for
- Personal · Halal
- Settlement
- App-ledger instant; bank rails per corridor
- Review risk
- Bank-grade; still not freeze-proof
- Pay surface
- visa · physical · virtual · Google Pay
Safety
LPS on eligible deposits at PT Bank Jago Tbk — confirm live cap
Holder / issuer: 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
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 desk on the desk. Residency and onboarding rules still sit with Bank Jago.
04Card and wallets?
visa · physical · virtual · Google Pay
Ratings and reviews
No published user reviews yet. The desk score still comes from licence, fees, and the product — not from a empty star average.
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