Best BNI Merchant alternatives: apps like BNI Merchant

10+ similar apps compared and reviewed

3.8 avg rating
10 free apps
Updated November 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

SimobiPlus#1

SimobiPlus by Bank Sinarmas

Bank Sinarmas Mobile Banking
Editor's Choice
πŸ’° Finance
4.1(31 ratings)
Free
SimobiPlus screenshot 1
SimobiPlus screenshot 2
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SimobiPlus screenshot 5
SimobiPlus screenshot 6

Manage your finances, open accounts, and make payments seamlessly. This mobile banking app allows for easy bill payments, top-ups, investments, and local/global money transfers. Experience convenient digital banking with features like QRIS payments and scheduled bill payments.

2.8😞(17 ratings)
Free
D-Bank PRO screenshot 1
D-Bank PRO screenshot 2
D-Bank PRO screenshot 3
D-Bank PRO screenshot 4
D-Bank PRO screenshot 5
D-Bank PRO screenshot 6

Manage all your financial needs from your fingertips. This app allows you to open accounts, transfer funds, pay bills, and top up e-wallets. It offers a modern user interface and a 360-degree financial dashboard for easy management.

What We Love

  • πŸ‘ Face recognition works well
  • πŸ‘ Old app was better

Room to Improve

  • πŸ› App is unreliable and buggy
  • πŸ› Frequent login issues
  • πŸ› Cannot delete/edit beneficiaries
  • πŸ› App is difficult to use
  • πŸ› App is slow and crashes
  • πŸ› Many features broken in new app
  • πŸ› App locks users out
  • πŸ› Cannot access account abroad
  • πŸ› Virtual account errors
  • πŸ› History not updated daily
  • πŸ› App not supporting certain account types
  • πŸ› Registration difficulties
  • πŸ› Forced updates are annoying
  • πŸ› App not ready for release
  • πŸ› Transaction history limited
  • πŸ› CDM machines are rare
  • πŸ› Face ID issues
  • πŸ› Password errors and PIN lockouts
  • πŸ› App claims phone is jailbroken
  • πŸ› Cannot see deposit accounts
  • πŸ› Transfer steps are too long
  • πŸ› Saldo minus unexpectedly
  • πŸ› Cashback not received, saldo deducted
  • πŸ› App not opening on older iPhones
  • πŸ› Verification process is cumbersome
  • πŸ› App is inconvenient

More apps like BNI Merchant

4
Maybank2u ID
Maybank2u ID
Maybank2u ID
by PT Bank Maybank Indonesia Tbk.
Free

Manage your finances with a streamlined banking experience. This app offers quick logins, secure transactions, and convenient bill payments. Enjoy features like biometric authentication and QR code payments for everyday banking needs.

Biometric Login (Fingerprint/Face ID)Secure2u for transaction authorizationQRIS-powered QRPay for instant payments
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5
BYOND by BSI
BYOND by BSI
BYOND by BSI
#SemuaJadiMudah
Free

This digital banking app offers a comprehensive suite of Sharia-compliant financial services. Easily manage accounts, make payments, invest in various assets, apply for financing, and access Islamic features like donations and prayer reminders.

Open accounts remotelyQRIS and bill paymentsE-wallet top-ups
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(25)
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6
LinkAja / LinkAja Syariah
LinkAja / LinkAja Syariah
LinkAja / LinkAja Syariah
All Transcations #SemuaBeres
Free

This app allows users to pay for a wide range of services and bills, including utilities, transportation, online shopping, and insurance. It also offers financial services like loans, investments, and balance transfers. A Sharia-compliant version is available for users who prefer transactions aligned with Islamic principles.

Utility bill paymentsOnline shopping paymentsTransportation fare payments
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(209)
free with in-app purchases
7
OCTO by CIMB Niaga
OCTO by CIMB Niaga
OCTO by CIMB Niaga
by Bank CIMB Niaga Tbk
Free

This app offers a comprehensive digital banking experience with an upgraded interface and innovative features. Manage all your accounts, perform transactions, apply for new products, and access lifestyle services. Enjoy a seamless and convenient way to handle your finances.

Sleeker user interfaceOpen-app experienceFinancial check-up
πŸ’° Finance
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free
8
UOB TMRW Indonesia
UOB TMRW Indonesia
UOB TMRW Indonesia
by United Overseas Bank Limited Co.
Free

This app simplifies your banking with personalized insights, alerts, and recommendations. Enjoy a seamless design for quick transactions, QR code payments, and easy management of accounts and cards. Get 24/7 support through live chat.

Personalized money insightsAlerts and remindersSpending and saving recommendations
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(201)
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9
Flip: Transfer & Cashback
Flip: Transfer & Cashback
Flip: Transfer & Cashback
Transfer, Cashback, Remittance
Free

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.

Free domestic bank transfersLow-cost international remittancesCashback on online shopping
πŸ’° Finance
(264)
free with in-app purchases
10
bale by BTN
bale by BTN
bale by BTN
by BANK TABUNGAN NEGARA (PERSERO), PT TBK
Free

Manage all your banking needs and lifestyle services from a single, integrated application. Open accounts online, track financial transactions, and access property, merchant, and business services. Discover exclusive offers and manage your bills with ease.

Online account openingIntegrated BTN ecosystemSingle Sign On
πŸ’° Finance
(7)
free