Indonesia
activeNeobankHalal banking
- HQ
- Jakarta
- Fee
- Free-transfer pitch — confirm live
Krom Bank
OJK digital bank. LPS. Kredivo-group. Not a wallet.
Rate this app
7.0Solid
AlternativesOur take
Desk verdict
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.
Jakarta, Tanah Abang. Mambu stack. Directories misspell it Chrom. The ticker change does not move LPS. Read the OJK name.
Krom Bank lists Bank — PT Krom Bank Indonesia Tbk (ex Bank Bisnis Internasional) under OJK / Bank Indonesia in Indonesia. On safeguarding we currently write: LPS on eligible deposits at PT Krom Bank Indonesia Tbk — confirm live cap. Holder / issuer line: PT Krom Bank Indonesia 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 quota pitch — confirm live; FX Not a travel bank; ATM Network / quotas; interest Savings pitch — rates move. This desk would open it for: Indonesia residents who want an OJK bank with a Kredivo-era app.
What it does well: Named OJK bank; LPS; Strong store ratings. What to watch: Indonesia-resident; Kredivo is credit, the bank is the deposit; Young transformation. Desk score 7.0 / 10 (safety 7.6, fees 8.2, features 7.4, app 8.4). Last verified 2026-08-30. Headquartered in Jakarta, Indonesia; founded 2021. 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 Kredivo-era app.
Pros
- +Named OJK bank
- +LPS
- +Strong store ratings
- +Not a BNPL wallet pretending to be a bank
Cons
- −Indonesia-resident
- −Kredivo is credit, the bank is the deposit
- −Young transformation
- −IDR home
How it actually works
- Custody
- Bank balance
- Local rails
- In-app ledger
- Built for
- Personal
- 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 Krom Bank Indonesia Tbk — confirm live cap
Holder / issuer: 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
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 desk on the desk. Residency and onboarding rules still sit with Krom Bank.
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.
Alternatives
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