Indonesia
activeNeobankHalal banking
- HQ
- Jakarta
- Fee
- Free-transfer pitch — confirm live
Krom Bank
OJK digital bank. LPS. Kredivo-group. Not a wallet.
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7.0Solid
AlternativesFive questions
At a glance
Is it a bank?
Yes — Bank — PT Krom Bank Indonesia Tbk (ex Bank Bisnis Internasional) (OJK / Bank Indonesia). Still read the entity on the statement.
If it fails?
LPS on eligible deposits at PT Krom Bank Indonesia 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 quota pitch — confirm live
Account number
No IBAN-class local rail on this file.
NeoBankDB Verdict
Licence first · score second
7.0
/10 · Solid
PT Krom Bank Indonesia Tbk is an OJK bank, BI-supervised, LPS participant. Ex Bank Bisnis Internasional, bought into the Kredivo/FinAccel group, relaunched as Krom. Jago is the other Indonesian digital bank on this desk. BNPL is a SKU. The deposit is the bank.
What it is
Jakarta, Tanah Abang. Mambu stack. Directories misspell it Chrom. The ticker change does not move LPS. Read the OJK name.
Best for: Indonesia residents who want an OJK bank with a Kredivo-era app.
Last checked 2026-08-30. Not advice.
What it does well
- +Named OJK bank
- +LPS
- +Strong store ratings
- +Not a BNPL wallet pretending to be a bank
What to watch
- −Indonesia-resident
- −Kredivo is credit, the bank is the deposit
- −Young transformation
- −IDR 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
- Settlement
- App-ledger instant; bank rails per corridor
- Freeze risk
- Bank-grade; still not freeze-proof
- Card
- Krom Bank 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 Krom Bank Indonesia Tbk — confirm live cap
Who holds the money: PT Krom Bank Indonesia Tbk
- OJK / Bank IndonesiaBank — PT Krom Bank Indonesia Tbk (ex Bank Bisnis Internasional) · Indonesia
Fees
- Monthly
- Free-transfer quota pitch — confirm live
- FX markup
- Not a travel bank
- ATM
- Network / quotas
- Interest
- Savings pitch — rates move
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
- LPS bank
- Kredivo-group distribution
- Flexi loan SKU
- OJK
Score
- Safety25%
- 7.6
- Fees20%
- 8.2
- Features15%
- 7.4
- App15%
- 8.4
- Global15%
- 2.8
- Support10%
- 6.4
Change log
Full logLicence
PT Krom Bank Indonesia Tbk — OJK / LPS
Ex Bank Bisnis Internasional. Kredivo-group. Not a wallet.
Available in
Straight answers
FAQ
01Is Krom Bank a bank?
Krom Bank 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 Krom Bank Indonesia Tbk — confirm live cap
03Where is Krom Bank available?
We list 1 market on NeoBankDB. Residency and onboarding rules still sit with Krom Bank.
04Card and wallets?
Krom Bank 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 Krom Bank 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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