NeoBankDB

ID · IDR

Indonesia digital banks

Jago, Blu by BCA, SeaBank, and Krom are the digital-bank layer on top of GoPay / OVO / DANA wallets. Super-apps own distribution. OJK digital-bank rules tightened after the first wave. Krom in particular is a name people search and older directories mishandle. We list licence class and whether the product is a bank account or a wallet. SeaBank now has a full file at /app/seabank. Krom is /app/krom-bank.

9Live on NeoBankDB

Regulator

OJK and Bank Indonesia

Deposit scheme

LPS deposit insurance at participating banks, with LPS-set caps

In this market

Licence still sits on the product
ProductScoreHQMonthlyFXUsersLicence
Wise8.6London, United KingdomFree personalMid-market plus a transparent conversion fee — the category benchmark16M+EMI (personal)
Aspire7.7Singapore, SingaporeFree starterCompetitive on SEA corridors25k businessesPayments with partner banks
Trust Wallet7.6Global, United StatesFreeSwap aggregator200M+See review
Binance7.6Global / remote, United Arab EmiratesVIP fee tiersSpot/futures fees; tight on liquid pairs200M+VASP / exchange licences by country
RedotPay7.5Hong Kong, Hong KongFree virtualStablecoin to fiat conversion + scheme FX2M+Card programme + VASP stack
SeaBank7.4Jakarta, IndonesiaConfirm live. Core savings are sold as low-friction.Not the jobDigital-bank scaleLicensed bank — PT Bank Seabank Indonesia
Bank Jago7.0Jakarta, IndonesiaFree-transfer pitch — confirm liveNot a travel bankDigital-bank scaleBank — PT Bank Jago Tbk. Jago Syariah is the Sharia SKU
Krom Bank7.0Jakarta, IndonesiaFree-transfer quota pitch — confirm liveNot a travel bankDigital-bank scaleBank — PT Krom Bank Indonesia Tbk (ex Bank Bisnis Internasional)
Jenius6.8Jakarta, IndonesiaDigital SKU — confirm liveFX / foreign-currency SKUs exist — bank tariffSMBC Indonesia digitalDigital brand of PT Bank SMBC Indonesia Tbk (ex BTPN)

Questions

01

Wallet or bank in Indonesia?

If it has an LPS-insured rupiah account at a licensed bank, it is a bank product. GoPay-class balances are e-money. Do not mix them in a comparison table without a licence column.

Other markets

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Cross-check the scoring weights and the graveyard before you treat a leftover landing page as live.