Best apps like BNI Merchant

10+ similar apps compared and reviewed

3.7 avg rating
10 free apps
Updated September 2026
BNI Merchant
BNI Merchant
PT. BANK NEGARA INDONESIA (PERSERO) TBK.

Whether you want more options like BNI Merchant or a completely different take on the same concept, our curated list of 10+ similar apps has you covered. Updated for 2026 with the latest ratings and comparisons.

Top Alternatives to BNI Merchant

Flip: Transfer & Cashback#3
4.8😞(253 ratings)
Free
Flip: Transfer & Cashback screenshot 1
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Flip: Transfer & Cashback screenshot 3
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Flip: Transfer & Cashback screenshot 6

Send money domestically and internationally for free or at low cost. Save on e-wallet top-ups, phone credit, and bills. Get cashback on online shopping and stay connected abroad with affordable eSIMs.

What We Love

  • πŸ’° Saves money on transfers
  • πŸš€ Fast transaction processing
  • 🌍 Facilitates international transfers
  • πŸ”’ Secure and trustworthy
  • πŸ’Έ Low transaction fees
  • πŸ‘ Easy to use
  • βœ… Smooth interbank transfers

Room to Improve

  • ⏳ Long transaction delays
  • πŸ€– Unhelpful AI customer service
  • πŸ’Έ Increasing admin fees
  • 🚫 Refunds are difficult/rejected
  • ⚠️ Money stuck/held
  • ❌ Poor customer service
  • πŸ“± App crashes/errors
  • 🚫 Inconsistent service
  • πŸ‘Ž Unprofessional staff
  • 🚫 Issues with international number formats
  • πŸ”„ Subscription cancellation issues
  • πŸ’Έ Top-up issues
  • πŸ‘΄ Outdated app support
  • 🚫 Account blocking/freezing
  • ❓ Unclear refund policies
  • πŸ“‰ Decreased service quality over time
  • 🚫 Issues with coupon expiry
  • 🚫 Privacy concerns (full legal name on transfers)

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BSI Mobile
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Manage your bank accounts, make transfers, and pay bills directly from your smartphone. This app offers a comprehensive suite of banking services, including online account opening and cash withdrawals without a card.

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