# OCTO by CIMB Niaga

> Digital banking app for managing CIMB Niaga accounts and performing financial transactions. (iPhone/iPad app by Bank CIMB Niaga Tbk.)

- Source: https://appshunter.io/ios/app/octo-by-cimb-niaga/id505917174 (this page in markdown: same URL + `.md`)
- Developer: [Bank CIMB Niaga Tbk](https://appshunter.io/developer/425193419)
- Category: Finance, Lifestyle
- Price: Free
- Rating: 4.80/5 from 1,418 App Store ratings · 81 written reviews indexed
- Age rating: 4+
- Requires: iOS 15.0 · 296 MB
- Languages: American English, Indonesian
- Released: 2012-03-19
- Data updated: 2026-09-03
- Monetization: free
- User reviews in markdown: https://appshunter.io/ios/app/octo-by-cimb-niaga/id505917174/reviews.md

## What is OCTO by CIMB Niaga?

OCTO App is a digital banking application from CIMB Niaga that makes it easy for you to manage your finances in one place.
 
Main features of the OCTO App:
1. Product opening and management
• Open a new account
• Time deposits & savings
• Investments (mutual funds & bonds)
• Insurance
 
2. Comprehensive daily transactions
• Interbank & international transfers
• Bill payments
• Mobile credit & data package purchases
• E-wallet top-ups
• QRIS payments
• Cardless cash withdrawals and deposits
 
3. Additional features
Enjoy conveniences such as flight ticket purchases and various attractive promotions that are updated regularly.
 
4. Control and security
Manage your cards and transaction limits, block or unblock your cards, and use biometric login for added security.
 
OCTO App is designed to provide a practical, secure, and flexible banking experience anytime and anywhere.
 
Important notes:
1. Use your personal mobile number for registration
2. Do not share your USER ID, PIN, or OTP with anyone
3. The app is free, SMS charges follow your mobile operator
 
For more information & assistance, please contact us via Ask OCTO in the OCTO App or WhatsApp +6281197814041.

## Key features

- Sleeker user interface
- Open-app experience
- Financial check-up
- Account balance and transaction history
- Domestic and overseas transfers
- Bill payments and top-ups
- Apply for banking products

## What do users think of OCTO by CIMB Niaga?

Overall sentiment: negative

**Pros**

- 💳 Easy credit card payment
- 👍 User-friendly interface
- 🚀 Smooth and fast performance

**Cons**

- 🐛 Frequent crashes and bugs
- 📱 Difficult to use on new devices
- 🕰️ Slow response times
- 🚫 Inability to access account

**Commonly reported bugs**

- SBN Monitoring not working
- Syariah/Conventional filter not functioning properly
- Login and transaction issues after app updates

**Most requested features**

- Syariah product filter option
- Ability to open deposits from mobile app

## Recent user reviews (10 of 81)

All indexed reviews: https://appshunter.io/ios/app/octo-by-cimb-niaga/id505917174/reviews.md

### 5/5 — Delicious

*2026-08-27*

Food is great. Staff is so nice. Always enjoy eating here.

**Developer response:** Hello! Thank you for the review, we really glad you can enjoy during using OCTO App. For more pleasurable experience, you have to update your OCTO App for recent version. Thank you for using OCTO App.

### 1/5 — Sejak update per awal Juli crash terus!

*2026-07-07, version 3.1.94*

Kenapa tiba2 mau dibuka saja app-nya crash? Utk iphone 2 anggota keluarga saya jg sama. Crash. Payah

### 5/5 — the best indonesian mobile banking app

*2026-05-31, version 3.1.89*

i don’t know, it’s just the easiest, fastest, and most user friendly. keep up the good work 👍🏻

### 2/5 — Update malah kaga bisa buka

*2026-03-05, version 3.1.82*

Update barusan malah tidak bisa dibuka karena Security Risk.  JANGAN UPDATE APLIKASI YA!

### 1/5 — doesn't allow me to open an account despite providing my name

*2026-02-02, version 3.1.76*

Your name is not permitted
Please try again using your full name

### 1/5 — Poor app

*2025-11-12, version 3.1.66*

Need to upgrade

### 1/5 — Kalau memang gak mau nerima saya sebagai nasabah, bilang aja dari awal

*2025-11-03, version 3.1.66*

Udah nungguin email berhari-hari abis verifikasi, eh ternyata data verifikasinya malah gak tercatat dan diminta verifikasi ulang. Saya malah dibilang belum cek email lah, email dari banknya masuk spam lah. Saya buka email tiap hari gini kok. Eh gak sampai 5 menit dari beres call, masuk email dari octo kalau pengajuan saya tidak dapat diproses 😁 

Kalu memang gak mau nerima saya sebagai nasabah, bilang aja dari awal. Saya gak perlu repot2 daftar via aplikasi kayak gini.

### 5/5 — Bayar kridit card dari rek.Tabungan

*2025-08-01, version 3.1.56*

Mudah penggunaan bayar kridit card di sini

### 1/5 — Ribet pindah device baru dari luar negeri

*2025-07-03, version 3.1.54*

Pindah device baru posisi di luar negeri, ribet banget. Harus kirim sms buat verifikasi device tapi ngga bisa kirim sms registrasinya. Masa harus balik indo dulu buat verifikasi device buat satu aplikasi doang. Call center juga kurang bantu.

### 4/5 — SBN Monitoring not working

*2025-05-01*

Many good improvement on features and functionality on OCTO Mobile. Kudos 👍

Bugs or improvement opportunity:
1. SBN Monitoring in mobile not working or not linked to Octo Clicks.
2. At some screen (e.g. Bonds screen) , Syari'ah or Conventional filter not working properly, i.e. ST014T2 bond will not displayed when Syariah filter active.

**Developer response:** Thank your for your support! We are very glad and proud has made your transactions easier everyday.

## Frequently asked questions about OCTO by CIMB Niaga

### What does OCTO by CIMB Niaga do?

OCTO by CIMB Niaga provides a comprehensive digital banking experience. It allows users to manage all their CIMB Niaga accounts, view transaction history, perform various types of transfers and payments, apply for new banking products like savings accounts and mutual funds, and access lifestyle services such as flight ticket purchases.

### What are the key features of OCTO by CIMB Niaga?

Key features include a sleek and user-friendly interface, an open-app experience for browsing features without logging in, a financial check-up tool for asset and cash flow overview, balance inquiry and transaction history for all CIMB Niaga accounts, complete transaction capabilities like domestic/overseas transfers, bill payments, and top-ups, and the ability to apply for various banking products and investments.

### Is OCTO by CIMB Niaga free to use?

Yes, OCTO by CIMB Niaga is free of charge. Any applicable SMS fees are directly charged by your telecommunication provider and will appear on your phone bill or be deducted from your prepaid balance. There are no additional charges from the app itself for its core services.

### Who is the target audience for this app?

The app is designed for existing customers of CIMB Niaga who are looking for a convenient and efficient way to manage their finances digitally. It caters to individuals who want to perform banking transactions, check account balances, make payments, and explore investment opportunities directly from their mobile devices.

### What are some common use cases for OCTO by CIMB Niaga?

Common use cases include checking your account balance and recent transactions, transferring money to other accounts (including overseas), paying bills, topping up your mobile credit or e-wallets, withdrawing cash without a card using QRIS, opening new savings accounts, investing in mutual funds or bonds, and purchasing flight tickets.

## Version history (last 5 releases)

### 3.1.99 — 2026-09-02

Come on, come on, come on ~
 
With OCTO version 3.1.99, Credit Card application and payments are now easier and faster than ever. Retribution Tax payments are now also available.
 
Update OCTO and start the brand new month with a better mobile banking experience!

### 3.1.98 — 2026-08-18

Celebrate the spirit of independence with OCTO!

With this latest update, we continue to bring you a smoother, easier, and more seamless banking experience to support your everyday needs.

Update OCTO 3.1.98 version, and enjoy a more convenient banking experience. Merdeka!!

### 3.1.97 — 2026-07-30

Happy National Children's Day!

Every small step today helps build a brighter tomorrow. Enjoy our latest features and enhancements:
• Connect your Ajaib account and view your portfolio directly in OCTO
• View Sun Life insurance card and use it for cashless payment
• Would like to do same transaction? just click ‘repeat transaction’ from the details
• Follow excited events and get the reward
• Remind prayer time and look for kibla in OCTO

Update to OCTO 3.1.97 version today!

### 3.1.96 — 2026-07-14

New semester, new updates! 

OCTO is back with exciting new features and performance improvements to give you faster, smoother, and more seamless way to transact.

Update now to 3.1.96 version and get ready to start fresh!

### 3.1.95 — 2026-07-08

Uh, you ready yet?
Cruising down with latest OCTO features

You can now view the equivalent exchange rate in your credit card foreign currency transaction details. Buy and sell gold prices are also available directly in your gold transaction history.

So keren, so asik, right?!
Update the newest OCTO version now!

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## More apps by Bank CIMB Niaga Tbk

- [BizChannel@CIMB Token](https://appshunter.io/ios/app/bizchannelcimb-token/id968411098)
- [Mofiz](https://appshunter.io/ios/app/mofiz/id1456975081)
- [Kejar Mimpi](https://appshunter.io/ios/app/kejar-mimpi/id1489683690)
- [OCTO Friends](https://appshunter.io/ios/app/octo-friends/id1562644230)
- [ARJUNA CIMB Niaga](https://appshunter.io/ios/app/arjuna-cimb-niaga/id1571642562)

All apps by Bank CIMB Niaga Tbk: https://appshunter.io/developer/425193419

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-09-03.*