Comparison

SUMUT Mobile vs BYOND by BSI

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

BYOND by BSI

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.

Highlights
  • Open accounts remotely
  • QRIS and bill payments
  • E-wallet top-ups
  • Gold, SBSN, and deposit investments
  • Financing for various needs
  • Donations, zakat, and prayer reminders
  • Quran reader
Read full description

Selamat datang di BYOND by BSI! Aplikasi perbankan digital syariah terbesar di Indonesia. Saatnya bikin #SemuaJadiMudah aktivitas perbankanmu. Fleksibilitas Tanpa Batas BYOND by BSI hadir untuk meningkatkan aktivitas perbankanmu jadi lebih mudah. Mau buka rekening bisa tanpa keluar rumah dan bisa aktivasi akun BSI hanya melalui aplikasi BYOND. Bertransaksi Makin Lengkap & Mudah Terintegrasi dengan banyak partner sehingga aktivitas bayar dan beli beragam kebutuhan langsung dari satu aplikasi. Mau transaksi QRIS, token PLN, biaya pendidikan, top up E-Wallet, dan banyak lagi, #SemuaJadiMudah hanya untuk kamu. Persiapkan Hari Esok, Mulai Hari Ini! Rencanakan masa depan lebih pasti dengan beragam aset investasi di BYOND. Manfaatkan investasi emas, SBSN, Deposito, dan berbagai fitur investasi syariah lainnya. Wujudkan Impianmu Bareng BYOND! Punya impian? Segera wujudkan dengan produk pembiayaan yang semakin variatif. Ajukan pembiayaan untuk berbagai kebutuhan dan keinginanmu. Mulai dari cicil emas, gadai emas, Mitraguna Berkah Online, hingga kendaraan impian di BSI OTO. Dekatkan Diri Penuh Makna BYOND by BSI hadir untuk mempermudah ibadahmu dengan fitur islaminya. Berdonasi, infaq, bayar zakat, pengingat waktu shalat, baca Qur’an, hingga ibadah ke Tanah Suci, #SemuaJadiMudah dilakukan di BYOND. Saatnya bikin #SemuaJadiMudah bersama BYOND by BSI. Download sekarang!

Screenshots

SUMUT Mobile3 screens
BYOND by BSI4 screens

Verdict

The call

The clearest difference is review sentiment: BYOND by BSI at 67% against SUMUT Mobile's 0%. BYOND by BSI also leads on rating (4.0 vs 2.3) and ratings volume (25 vs 3). SUMUT Mobile's advantage is ads (none vs shown) and update cadence (every 2 weeks vs every 6 weeks). On price, in-app purchases, monetization model and device support 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

BYOND by BSI holds the better App Store score, 4.0 against 2.3. That said, the two scores are not equally well evidenced: BYOND by BSI has 25 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 67% of BYOND by BSI's.

UpkeepUpdate frequency

SUMUT Mobile ships an update every 2 weeks, BYOND by BSI every 6 weeks. Both last shipped on October 24, 2026.

Scorecard5 real differences · 5 level
SUMUT Mobile versus BYOND by BSI: the parameters behind the verdict, then further details
ParameterSUMUT MobileBYOND by BSI
PriceFreeFree
Rating2.3 (3 ratings)4.0 (25 ratings) — better
Positive reviews0.0% of reviews66.7% of reviews — better
Number of ratings325 — better
Update frequencyEvery 2 weeks — betterEvery 6 weeks
AdsNo — betterYes
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPod — betteriPhone, iPod
Requires iOS13.0 — better14.0
Further details — not scored
Size89 MB490 MB
Age rating4+4+
DeveloperPT. Bank SumutPT Bank Syariah Indonesia, Tbk

Customer experience

SUMUT Mobile

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

BYOND by BSI

All ratings23 ratings
Positive78.3%
Neutral4.3%
Negative17.4%
Written reviews18 reviews
Positive66.7%
Neutral5.6%
Negative27.8%

In-app purchases

None

SUMUT Mobile

No in-app purchases

None

BYOND by BSI

No in-app purchases

Questions

Is SUMUT Mobile free?
SUMUT Mobile is free to download, with no in-app purchases.
Is BYOND by BSI free?
BYOND by BSI is free to download, with no in-app purchases.
Which has better reviews, SUMUT Mobile or BYOND by BSI?
BYOND by BSI is rated higher. SUMUT Mobile averages 2.3 out of 5 from 3 ratings, while BYOND by BSI averages 4.0 from 25 ratings.
Do SUMUT Mobile or BYOND by BSI have ads?
BYOND by BSI shows ads; SUMUT Mobile does not.
Which is updated more often, SUMUT Mobile or BYOND by BSI?
SUMUT Mobile ships an update every 2 weeks, and BYOND by BSI every 6 weeks. Most recently, SUMUT Mobile was updated on October 24, 2026 and BYOND by BSI on October 24, 2026.

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