Best apps like BNI SMS Banking

10+ similar apps compared and reviewed

3.8 avg rating
10 free apps
Updated July 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

Permata ME#1

Permata ME by PT. Bank Permata, Tbk

Editor's Choice
💰 Finance
3.1(76 ratings)
Free
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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.

LinkAja / LinkAja Syariah#2

LinkAja / LinkAja Syariah by PT. FINTEK KARYA NUSANTARA

Buy, Pay, Loan and Invest
Strong Contender
💰 Finance
3.2😞(208 ratings)
FreeAds
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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

Room to Improve

  • 🐛 Frequent crashes and force closures
  • ❌ Failed transactions with balance deducted
  • 🔐 Difficult payment method addition and KTP requirements
Dana Syariah#3

Dana Syariah by PT Danasyariah Indonesia

Sharia Fintech Lending
Worth Considering
💰 Finance
3.3(3 ratings)
Free
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Access Sharia-compliant financing information and services through a mobile app. Register, invest, and get details on Islamic financing for businesses. Offers P2P Sharia financing for property, invoice, and MSME sectors.

More apps like BNI SMS Banking

4
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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5
BIONS Mobile
BIONS Mobile
BIONS Mobile
BIONS Online Trading Platform
Free

This platform offers a secure and real-time way to invest in various financial instruments, including stocks, mutual funds, and government bonds. It provides advanced trading features and educational resources, making it suitable for both beginners and experienced investors.

Multi-instrument investment platformFingerprint loginAutomatic and fast order execution
💰 Finance
(17)
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6
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
(43)
free with in-app purchases
7
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)
💰 Finance
(17)
free
8
neobank by BNC Digital
neobank by BNC Digital
neobank by BNC Digital
BNC Bank with Digital Services
Free

Manage your finances with a user-friendly digital banking app. Offers daily interest savings, high-yield deposits, loans, bill payments, and investment options. Features include free interbank transfers, cashback, and secure chat.

Daily interest savings accountsHigh-yield deposit optionsPersonal loans with high limits
💰 Finance
(20)
free
9
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
💰 Finance
(17)
free
10
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
💰 Finance
(256)
free with in-app purchases