Best apps like InstaQRIS Cepat & Aman

9+ similar apps compared and reviewed

4.1 avg rating
9 free apps
Updated September 2026

Whether you want more options like InstaQRIS Cepat & Aman or a completely different take on the same concept, our curated list of 9+ similar apps has you covered. Updated for 2026 with the latest ratings and comparisons.

Top Alternatives to InstaQRIS Cepat & Aman

LinkAja / LinkAja Syariah#2

LinkAja / LinkAja Syariah by PT. FINTEK KARYA NUSANTARA

All Transcations #SemuaBeres
Strong Contender
💰 Finance
3.2😞(209 ratings)
Free
LinkAja / LinkAja Syariah screenshot 1
LinkAja / LinkAja Syariah screenshot 2
LinkAja / LinkAja Syariah screenshot 3
LinkAja / LinkAja Syariah screenshot 4
LinkAja / LinkAja Syariah screenshot 5
LinkAja / LinkAja Syariah screenshot 6

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
GoPay: Transfer, Payment, QRIS#3

GoPay: Transfer, Payment, QRIS by PT. GOTO GOJEK TOKOPEDIA TBK

Free Transfer & QRIS Payments
Worth Considering
💰 Finance
4.7😐(683 ratings)
Free
GoPay: Transfer, Payment, QRIS screenshot 1
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GoPay: Transfer, Payment, QRIS screenshot 5
GoPay: Transfer, Payment, QRIS screenshot 6

This app facilitates easy money transfers, bill payments, and online transactions. Users can top up mobile credit, pay for services like electricity and streaming, and make purchases on various e-commerce platforms. It also offers features for gaming top-ups, savings, and loans.

What We Love

  • 👍 Easy to use and intuitive interface
  • 🚀 Fast and convenient payment processing
  • 💳 Versatile payment options (QRIS, bills, pulses, etc.)
  • 💰 Useful rewards and cashback system
  • 🌍 Convenient for frequent travelers to Indonesia
  • 📊 Good expense management features
  • ✅ Reliable bank-to-bank transfers

Room to Improve

  • 🐛 Top-up frequently fails without clear reasons
  • 🐛 Transfer and payment transactions often fail
  • ❌ Poor customer support (mostly automated responses)
  • 🔒 Inconsistent identity verification requirements
  • 😞 Difficult account closure process
  • 🌐 Not user-friendly for foreign passport holders
  • 📱 Bloated interface with too many features
  • 🔌 Compatibility issues with certain credit cards (AU, Visa)
  • 😤 Forced upgrade to GoPay Plus for basic functionality
  • 🚫 Cannot withdraw funds when abroad
  • 🎯 Confusing and unclear setup process
  • ⚠️ Stuck funds with no resolution path

More apps like InstaQRIS Cepat & Aman

4
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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5
DANA Dompet Digital Indonesia
DANA Dompet Digital Indonesia
DANA Dompet Digital Indonesia
Easy Topup, Send Money, QRIS
Free

This app facilitates cashless and card-less transactions, allowing users to scan QRIS codes, send money to various bank accounts, and top up e-wallet balances. It also supports saving bank cards for seamless payments and managing mobile recharges and bill payments securely.

QRIS scanning for paymentsSend money to bank accounts with no admin feesTop up DANA balance without admin fees
💰 Finance
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free
6
wondr by BNI
wondr by BNI
wondr by BNI
by PT. BANK NEGARA INDONESIA (PERSERO) TBK.
Free

Manage your finances with a single account for 12 foreign currencies, ideal for travelers, online shoppers, and those studying or doing business abroad. Enjoy convenient cross-border QRIS transactions and schedule mutual fund investments for future planning.

12 foreign currency accountsQRIS Cross Border transactionsScheduled mutual fund investments
💰 Finance
(1.6K)
free
7
OVO
OVO
OVO
by Visionet Internasional, Pt
Free

This all-in-one app simplifies payments and savings for everyday needs and online shopping. Enjoy secure, fast transactions with numerous rewards, including cashback and discounts. Upgrade to access exclusive deals and bonus points.

Secure and fast mobile paymentsCashback on transactionsExclusive discounts and deals
💰 Finance
(328)
free with in-app purchases
8
Allo Bank
Allo Bank
Allo Bank
Finance
Free

This digital banking app simplifies transactions, savings, and installments with high interest rates, instant withdrawals, and 0% installments. Enjoy daily cashback and secure financial management, all supervised by OJK.

High interest savings accountsFlexible 0% installmentsQRIS payments
💰 Finance
(9)
ad-supported
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
(70)
free with in-app purchases