Best Raya alternatives: apps like Raya - Digital Bank

10+ similar apps compared and reviewed

3.7 avg rating
10 free apps
Updated November 2026
Raya - Digital Bank
Raya - Digital Bank
PT. Bank Raya Indonesia, Tbk.

Looking for something like Raya? 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 Raya

5.0(2 ratings)
Free
MotionBank screenshot 1
MotionBank screenshot 2
MotionBank screenshot 3
MotionBank screenshot 4
MotionBank screenshot 5
MotionBank screenshot 6

A digital banking app offering a wide range of financial and non-financial transactions for customers. Easily open accounts, manage credit cards, make payments via QRIS, and access services like time deposits and bill payments from your smartphone.

Amar Bank - Investasi&Tabungan#3

Amar Bank - Investasi&Tabungan by PT Amar Bank Indonesia

Tabungan, QRIS, bebas admin
Worth Considering
πŸ’° Finance
0.0😞(0 ratings)
Free
Amar Bank - Investasi&Tabungan screenshot 1
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Amar Bank - Investasi&Tabungan screenshot 3
Amar Bank - Investasi&Tabungan screenshot 4
Amar Bank - Investasi&Tabungan screenshot 5
Amar Bank - Investasi&Tabungan screenshot 6

This digital bank app offers convenient savings accounts with competitive interest rates, fee-free transactions, and secure digital banking features. Manage your money, make payments, and invest easily with robust security measures.

What We Love

  • πŸ‘ User-friendly and easy to use
  • πŸ’° High interest rates/dividends
  • πŸ”’ Secure for storing money
  • πŸ’‘ Useful features like Brankas and celengan
  • πŸš€ Smooth and fast app performance (mentioned by some)
  • βœ… Recommended for transactions
  • ✨ Makes daily transactions easier

Room to Improve

  • πŸ› Frequent system errors and glitches
  • 🐌 Slow transaction processing
  • 😠 Unhelpful and rude customer service
  • ❌ Difficulty with registration and account recovery
  • πŸ“‰ Issues with top-ups and transfers not arriving
  • ⏳ Long waiting times for issue resolution
  • 🚫 App frequently lags and freezes
  • πŸ—‘οΈ Poor user experience with ads on receipts
  • ⚠️ Account security concerns (account hacked)

More apps like Raya

4
MotionPay
MotionPay
MotionPay
by MNC Teknologi Nusantara, PT.
Free

This electronic money app facilitates cashless transactions across Indonesia using QRIS. It allows for bill payments, digital product purchases, and money transfers to other accounts and bank accounts nationwide.

Cashless transactions via QRISBill and digital product paymentsMoney transfers to accounts and banks
πŸ’° Finance
(4)
free
5
nobu Go by Nobu Bank
nobu Go by Nobu Bank
nobu Go by Nobu Bank
by PT Bank Nationalnobu
Free

Manage your finances with flexible and free services. Enjoy unlimited free transfers, daily interest savings, penalty-free deposits, and convenient bill payments. Access funds quickly and make secure QRIS payments on the go.

Unlimited free transfersDaily interest savingsPenalty-free deposits
πŸ’° Finance
(7)
ad-supported
6
DBS digibank Indonesia
DBS digibank Indonesia
DBS digibank Indonesia
by PT. Bank DBS Indonesia
Free

A comprehensive digital banking app offering seamless management of savings, credit cards, and loans with rapid approval. It facilitates investments in mutual funds and bonds, bill payments, and multicurrency accounts, all secured by a trusted banking group.

Instant account opening60-second loan approvalMulticurrency account with debit card
πŸ’° Finance
(257)
free with in-app purchases
7
BSya by BCA Syariah
BSya by BCA Syariah
BSya by BCA Syariah
by PT. BANK BCA SYARIAH
Free

Manage all your financial transactions and banking needs with a comprehensive suite of tools. Open accounts online, make transfers, pay bills, and access detailed transaction history. Enjoy secure, convenient banking from anywhere.

Online account openingTransfers to various banksBill payments and purchases
πŸ’° Finance
(5)
free
8
Skorlife: Check Credit Score
Skorlife: Check Credit Score
Skorlife: Check Credit Score
Credit Score, Get Certificate
Free

This app allows users to instantly check their credit score and view detailed credit reports. It also generates a verifiable financial credibility certificate and offers personalized loan recommendations based on your profile. Monitor your financial health and security with regular checks and instant alerts.

Instant credit score checkDetailed credit reportsFinancial credibility certificate
πŸ’° Finance
(12)
free with in-app purchases
9
SimobiPlus
SimobiPlus
SimobiPlus
Bank Sinarmas Mobile Banking
Free

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.

Open savings accounts instantlyLocal and international money transfersPay bills and top-up e-wallets
πŸ’° Finance
(31)
free
10
MyHana
MyHana
MyHana
PT Bank KEB Hana Indonesia
Free

Manage your finances on the go with this digital banking app. Track transactions, transfer funds, pay bills, and open new accounts directly from your mobile device. It offers convenient features for everyday banking needs.

Track recent transactionsCheck account balancesEffortless fund transfers
πŸ’° Finance
(1)
free