Comparison

SUMUT Mobile vs OVO

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

SUMUT Mobile

Easily conduct banking transactions from your mobile device anytime, anywhere. Securely manage funds, pay bills, and reload your phone with features like favorite transactions and dynamic PIN authentication.

Highlights
  • Fund transfers (internal and external)
  • Bill payments (utilities, cable, etc.)
  • Mobile prepaid top-ups
  • Balance inquiry
  • Transaction history
  • Favorite transaction saving
  • Multiple connection types (USSD, SMS, Data)
Features
Read full description

Panduan Untuk Pengaturan Channel Data Dapat Diunduh Disini : https://drive.google.com/open?id=1Y8HGpddn_2a7UlA0KIKIPHRbPtDG8caQ Sumut Mobile is an application provided by Bank Sumut which can conduct banking transactions can be done anywhere and anytime using your cell phone easily It is protect with access code to gain access and using dynamic PIN for transaction authentication. Sumut Mobile Menu allows you to conduct every transaction simply by choosing the transaction menu such as cellular phone reload, bill payment, transfer to another Bank Sumut account. Using this app can save your payment, reload or transfer list as favorite transaction so in the next transaction you just choose the favorite and begin transaction. To use the application, you have to be a registered-user. You can simply do the registration process through any Bank Sumut Branches. As a non-financial registered user, you can only conduct non-financial transaction such as : 1. Balance inquiry 2. Last historical transaction As financial registered user, you can conduct all non-financial transaction and also these following financial transactions : 1. Fund Transfer (Internal and External) 2. Telkom dan Halo Billing Payment 3. TV Cable Billing Payments (Indovision, Transvision, Aora TV, Big TV, MNC Play) 4. Simpati, AS dan XL Prepaid Purchase 5. PDAM Tirtanadi, PDAM Tirtabulian, PDAM Tirtauli Billing Payment 6. Other Payment (Indihome, BPJS Kesehatan, etc) This app serves two type of connections which are USSD, SMS and Data Connection. You can switch it from Menu 'Connection Setting' For futher information ,please contact Bank Sumut Call at 14002 or (061) - 4145112 using your cell phone ** SMS Charges are depend on your cellucar provider for SMS OTP

About

OVO

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.

Highlights
  • Secure and fast mobile payments
  • Cashback on transactions
  • Exclusive discounts and deals
  • Bill payment options
  • Savings account features
  • Welcome treats for new users
Read full description

Indonesia’s all-in-one app: Pay and Save with ease From the local market to your favorite online stores, from daily essentials to special treats, OVO fits for everyone. Whether you’re paying, shopping, or saving, OVO makes it easy and rewarding. Say goodbye to carrying cash. OVO let you handle your daily needs from your phone, securely, quickly, and with plenty of perks. Wanna see what’s in it for you? Welcome treats for new users > First top-up = zero admin fees. > Cashback up to 20.000 OVO Points (min. total transaction Rp30.000) Upgrade to OVO Nabung and enjoy more > Claim 10.000 OVO Points bonus (T&C applied). > Up to 99% off at Hokben, D’Crepes, Solaria, Alfagift, MyTelkomsel, and more. > GrabFood 75% discount up to Rp50.000. Deals that follow you everywhere > Online shopping? Cashback up to Rp1.000.000 is ready. > Cashback up to 500.000 for groceries, foods, gas station, and more. Pay your bills with Harga Jongkok > PLN token Rp10.000 for only Rp8.888. > Cashback up to 3% (max 50.000 OVO Points) for bill payments (min. Rp25.000). > Pay SBN investments and get 1% cashback (max 100.000 OVO Points). Download OVO now and unlock a simpler way to pay, save, and enjoy life, plus a bunch of deals you don’t want to miss. Instagram.com/ovo_id www.ovo.id

Screenshots

SUMUT Mobile3 screens
OVO4 screens

Verdict

The call

The clearest difference is rating: OVO at 3.9 against SUMUT Mobile's 2.3. OVO also leads on review sentiment (31% vs 0%) and ratings volume (329 vs 3). SUMUT Mobile's advantage is monetization model (free vs free with in-app purchases) and iOS requirement (13.0 vs 15.0). On price, update cadence, ads and in-app purchases there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

OVO holds the better App Store score, 3.9 against 2.3. That said, the two scores are not equally well evidenced: OVO has 329 ratings behind it against 3, so its average is the more settled of the two. Written reviews point the same way: 0% of SUMUT Mobile's written reviews are positive against 31% of OVO's.

UpkeepUpdate frequency

SUMUT Mobile ships an update every 2 weeks, OVO fortnightly. The most recent releases landed on October 24, 2026 and October 22, 2026 respectively.

Scorecard5 real differences · 5 level
SUMUT Mobile versus OVO: the parameters behind the verdict, then further details
ParameterSUMUT MobileOVO
PriceFreeFree
Rating2.3 (3 ratings)3.9 (329 ratings) — better
Positive reviews0.0% of reviews31.3% of reviews — better
Number of ratings3329 — better
Update frequencyEvery 2 weeks — betterFortnightly
AdsNoNo
In-app purchasesNoNo
MonetizationFree — betterFree with in-app purchases
DevicesiPhone, iPad, iPod — betteriPhone, iPod
Requires iOS13.0 — better15.0
Further details — not scored
Size89 MB101 MB
Age rating4+17+
DeveloperPT. Bank SumutVisionet Internasional, Pt

Customer experience

SUMUT Mobile

All ratings3 ratings
Positive33.3%
Neutral0.0%
Negative66.7%
Written reviews2 reviews
Positive0.0%
Neutral0.0%
Negative100.0%

OVO

All ratings329 ratings
Positive71.4%
Neutral2.1%
Negative26.4%
Written reviews227 reviews
Positive31.3%
Neutral6.6%
Negative62.1%

Bugs and requests

SUMUT Mobile

Not enough reviews yet to summarise bugs or requests.

OVO

Reported bugs

4 issues
  • Inability to change language to English
  • Stuck transactions not resolved
  • Inconsistent app behavior
  • Delayed or missing top-up credits

Requested features

4 requests
  • Add English language option
  • Improve account closure process
  • Enhance security and privacy measures
  • Streamline transaction processing

In-app purchases

None

SUMUT Mobile

No in-app purchases

None

OVO

No in-app purchases

Questions

Is SUMUT Mobile free?
SUMUT Mobile is free to download, with no in-app purchases.
Is OVO free?
OVO is free to download, with no in-app purchases.
Which has better reviews, SUMUT Mobile or OVO?
OVO is rated higher. SUMUT Mobile averages 2.3 out of 5 from 3 ratings, while OVO averages 3.9 from 329 ratings.
Do SUMUT Mobile or OVO have ads?
Neither SUMUT Mobile nor OVO shows ads.
Which is updated more often, SUMUT Mobile or OVO?
SUMUT Mobile ships an update every 2 weeks, and OVO fortnightly. Most recently, SUMUT Mobile was updated on October 24, 2026 and OVO on October 22, 2026.

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