Best BNI SMS Banking alternatives: apps like BNI SMS Banking

10+ similar apps compared and reviewed

3.7 avg rating
10 free apps
Updated October 2026
BNI SMS Banking
BNI SMS Banking
PT. BANK NEGARA INDONESIA (PERSERO) TBK.

Looking for something like BNI SMS Banking? We've analyzed 10+ similar apps to help you find the best alternative. Each app is compared by ratings, features, and real user reviews, so you can make the right choice.

Top Alternatives to BNI SMS Banking

SimobiPlus#1

SimobiPlus by Bank Sinarmas

Bank Sinarmas Mobile Banking
Editor's Choice
💰 Finance
4.1(31 ratings)
Free
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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.

1.3(3 ratings)
Free
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Manage business transactions and finances on the go with this app. It allows for creating and processing various payments, approving multiple transactions simultaneously, and monitoring account balances in real-time. Features include a built-in token for secure authorization and QR scanning for bank guarantee validation.

LinkAja / LinkAja Syariah#3

LinkAja / LinkAja Syariah by PT. FINTEK KARYA NUSANTARA

All Transcations #SemuaBeres
Worth Considering
💰 Finance
3.2😞(209 ratings)
Free
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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.

What We Love

  • 🚀 Fast and convenient transactions under 1 minute
  • 💳 Wide range of payment options (pulsa, data, bills, tickets)
  • 💰 Attractive cashback and promotional offers
  • 👍 User-friendly interface and easy to use
  • 🏪 Supports multiple services (e-toll, KRL, PLN, Pertamina, etc.)
  • 📱 Convenient alternative to visiting physical locations

Room to Improve

  • 🐛 Frequent crashes and force closures
  • ❌ Failed transactions with balance deducted
  • 🔐 Difficult payment method addition and KTP requirements
  • 📞 Poor customer support and slow response times
  • ⚠️ Compatibility issues with iOS versions
  • 🚫 Limited to local Indonesian mobile numbers and Bank Indonesia cards
  • 💸 Inconsistent pricing compared to competitors
  • 🔄 Frequent logout issues
  • ⏳ Slow loading and unresponsive features
  • 🎯 Misleading promotions that disappear after funding

More apps like BNI SMS Banking

4
Livin' by Mandiri Timor-Leste
Livin' by Mandiri Timor-Leste
Livin' by Mandiri Timor-Leste
For Timor-Leste Customer
Free

Manage your finances with this mobile banking app. Easily transfer funds between accounts, to other domestic banks, or to Bank Mandiri Indonesia. Utilize QR codes for quick transfers and view all your banking products and transactions in one place.

Fund transfers between accountsDomestic bank transfers (Clearing & RTGS)Transfers to Bank Mandiri Indonesia
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5
Permata ME
Permata ME
Permata ME
by PT. Bank Permata, Tbk
Free

This mobile banking app offers a comprehensive suite of digital banking services. It simplifies transactions with features like free transfers, rewards, international payments, and QR code payments. Manage accounts, apply for loans, and access statements all from your smartphone.

Free transfers with BI-FASTCollect and redeem PermataPoin rewardsInternational transfers and forex
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6
Bank Jago/Jago Syariah
Bank Jago/Jago Syariah
Bank Jago/Jago Syariah
Mobile transfer & track money
Free

This digital banking app allows you to manage your spending and savings with personalized pockets. Enjoy free transfers, ATM withdrawals, and convenient bill payments. Securely manage your finances with multi-layer security and biometric access.

Open account in minutes60 personalized spending & savings pocketsFree bank transfers & ATM withdrawals
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7
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
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free with in-app purchases
8
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
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9
Livin' by Mandiri
Livin' by Mandiri
Livin' by Mandiri
by PT. Bank Mandiri (Persero) Tbk.
Free

Manage your finances and lifestyle needs in one comprehensive app. Easily pay bills, transfer funds internationally, invest, and even apply for loans. Earn rewards and enjoy exclusive perks with this all-in-one financial companion.

Lifestyle payments and rewardsInvestment managementCross-currency transfers
💰 Finance
(72)
free with in-app purchases
10
AsetKu - Digital Lending
AsetKu - Digital Lending
AsetKu - Digital Lending
Licensed and supervised by OJK
Free

This platform offers secure, digital lending services with flexible loan options and transparent costs. It provides a user-friendly experience for borrowing money anytime, anywhere, without requiring collateral. All operations are licensed and supervised by OJK.

Collateral-free loansFlexible loan amounts (Rp 150,000 - Rp 15,000,000)Repayment terms (91-365 days)
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(27)
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