BWS Mobile vs AsetKu
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
BWS Mobile
Access your financial accounts and manage your financial needs conveniently through your smartphone. This application provides easy access to your account information anytime, anywhere.
- Account access
- Financial management
- Smartphone accessibility
- Anytime, anywhere access
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BWS Mobile is one of BWS Electronic Channel for BWS customer to access their account and to support customer financial need by using smartphone. Easy access anywhere, anytime.
AsetKu
This platform offers secure, digital lending services with flexible loan options and transparent costs. It provides a user-friendly experience for borrowing money anytime, anywhere, without requiring collateral. All operations are licensed and supervised by OJK.
- Collateral-free loans
- Flexible loan amounts (Rp 150,000 - Rp 15,000,000)
- Repayment terms (91-365 days)
- Transparent interest rates (max 0.3% daily)
- 100% digital verification
- Fast loan disbursement
- ISO 27001 & 27701 certified
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Application Name : AsetKu - Digital Lending Description : AsetKu is an digital Lending (Borrowing) platform licensed and supervised by OJK (Financial Services Authority) under Business License No. KEP-123/D.05/2021. It is also a member of AFPI, the association officially appointed by OJK as the official platform for Technology-Based Joint Funding Services. AsetKu offers user-friendly online services 24/7 to meet your lending or borrowing needs anytime, anywhere. Secure Consumptive Loan Solutions that offer safe loan services in full compliance with the regulations of the Financial Services Authority (OJK). Flexible Loan Options: Loan amounts ranging from Rp 150,000 to Rp 15,000,000. A variety of repayment terms, from 91 to 365 days. Transparency of Costs: Maximum daily interest rate of 0.3%. Maximum Annual Percentage Rate (APR): 109.5%. In accordance with OJK regulations, total interest, fees, and late charges will not exceed 100% of the initial loan principal. Loan Simulation Example: A loan of Rp 1,000,000 with a term of 91 days will result in a total repayment of Rp 1,273,000. Why Choose AsetKu? No collateral required. 100% digital, easy and simple verification process. Loan is disbursed upon approval. Competitive interest rate at max. 0.3% per day. No hidden fees. ISO 27001 certified for information security and ISO 27701 certified for data privacy management. Terms and Conditions : Indonesian citizen (WNI). At least 18 years old. Possesses a valid ID and bank account. How to Apply for a Loan on AsetKu: 1. Download the AsetKu app. 2. Fill in your personal information. 3. Apply for a loan limit. 4. Wait for the verification process. 5. Once approved, the loan will be disbursed directly to your bank account. AsetKu is licensed and regulated by OJK and holds ISO 27001 and ISO 27701 certifications. Contact Us Email : loan@asetku.com (for Lenders / Borrowers) and cs@asetku.com (for Lenders / Borrowers) Phone : (021) 1500116 Address : PT. Pintar Inovasi Digital (AsetKu) Sequis Tower, Lantai 18 Unit 1-7, Jalan Jend. Sudirman No. 71, Kel. Senayan, Kec. Kebayoran Baru, Kota Adm. Jakarta Selatan, Daerah Khusus Ibukota Jakarta 12190
Screenshots
Verdict
The clearest difference is rating: BWS Mobile at 5.0 against AsetKu's 4.6. AsetKu's advantage is review sentiment (57% vs 38%) and ratings volume (30 vs 1). 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
BWS Mobile holds the better App Store score, 5.0 against 4.6. That said, the two scores are not equally well evidenced: AsetKu has 30 ratings behind it against 1, so its average is the more settled of the two. Written reviews complicate that: 38% of BWS Mobile's written reviews are positive against 57% of AsetKu's, so the app with the better star average is not the one people write more warmly about.
BWS Mobile ships an update every 5 weeks, AsetKu every 2 months. Both last shipped on November 2, 2026.
| Parameter | BWS Mobile | AsetKu |
|---|---|---|
| Price | Free | Free |
| Rating | 5.0 (1 ratings) — better | 4.6 (30 ratings) |
| Positive reviews | 38.0% of reviews | 56.6% of reviews — better |
| Number of ratings | 1 | 30 — better |
| Update frequency | Every 5 weeks — better | Every 2 months |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Requires iOS | 15.0 | 13.0 — better |
| Further details — not scored | ||
| Size | 128 MB | 83 MB |
| Age rating | 4+ | 4+ |
| Developer | PT Bank Woori Saudara Indonesia | PT. PINTAR INOVASI DIGITAL |
Customer experience
BWS Mobile
AsetKu
In-app purchases
BWS Mobile
No in-app purchases
AsetKu
No in-app purchases
