SOL Indonesia vs Permata ME
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
SOL Indonesia
This digital banking app offers a simple, fast, and secure way to manage your finances. It allows for easy transactions, bill payments, and foreign currency transfers with convenient login options.
- PIN-based transactions
- Shareable e-slips
- Biometric login (TouchID, FaceID)
- Customizable quick transaction menus
- Domestic and foreign currency transfers
- Extensive bill payment options
- Online time deposits
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SOL is a new digital banking product from Shinhan Bank. With 3 new concepts (simple, fast and cute), SOL will provide convenience to its users Advantages: 1. Easy * OTP is not needed to make transaction, simply use 6 digits PIN * Share E-Slip via WhatApp messenger or SMS 2. Fast * Experience the quick way of login TouchID, FaceID, Pattern or just 6 digits number * Setup preferred menu and quick transaction on main menu. Furthermore, widget transfer is possible from Home screen 3. Safe * SOL can be used in 1 device only * 24 hours freeze period after the user is activated on other device Product & Services: 1. Transfer * Domestic Transfer (Online/SKN/RTGS/Phone Number Transfer) * Foreign Currency Transfer a. Overseas Transfer (up to 80% discount to USD/AUD/EUR/SGD/HKD/JPY) b. FX Transfer Within Shinhan (Available between IDR & USD account) 2. Bill Payment * Prepaid & Postpaid a. Prepaid: PLN Prepaid, Telkomsel, XL, Tri, Smartfren b. Postpaid: Telkompay, Telkomsel Halo, PLN Postpaid * Online Biller (coming soon) a. Top Up: GOPAY & OVO b. Airline: Sriwijaya Air * Tax MPN * Credit Card 3. Online Time Deposit * Min Rp 1,000,000/USD 100 * No opening fee * No cancellation penalty How to use: 1. Download 'Shinhan SOL' 2. Open SOL and enter UserID & Password (Use existing userID and password / visit branch to register SOL) 3. Enter SMS OTP and create 6 digit M-OTP PIN 4. Experience convenient functions * For easy login use "Change Login Method" Choose among TouchID, FaceID (for iPhoneX and above), simple password and pattern * For Widget Transfer a. Click menu and choose Transfer menu b. Click "Manage Quick Transaction" c. Click "Register" or click menu from list and click "Register Shortcut Menu" See more detail by visiting this URL: https://shinhan.co.id/sol
Permata ME
This mobile banking app offers a comprehensive suite of digital banking services. It simplifies transactions with features like free transfers, rewards, international payments, and QR code payments. Manage accounts, apply for loans, and access statements all from your smartphone.
- Free transfers with BI-FAST
- Collect and redeem PermataPoin rewards
- International transfers and forex
- QRIS payments
- Account opening for foreigners
- Loan applications
- Transaction history and statements
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Permata ME (previously PermataMobile X) is a mobile banking app from Permata Bank that provides complete digital banking facility and services for all of your banking needs. Powered by innovation, Permata ME is designed as a technology to make your banking activities easier, faster, and more convenient. Permata ME presents a new and modernized home screen, also improved navigation system for your transaction convenience. Experience also a line-up of freshly crafted features such as: - Free transfer fee with BI-FAST. - Collect PermataPoin rewards from your daily transactions. Use PermataPoin for QR payment or redeem various shopping vouchers straight from the app. - International transfer and foreign exchange transactions with competitive exchange rate. - Quick and easy payment with QRIS, which can also be used to pay transactions abroad. - A wide variety of top up and bill payment transactions. Aside from these new features, lots of other features are also available, such as: - Quick Access menu before logging in, including Peeking Balance, QR, Branch Queuing, Mobile Cash, Notification, and PermataStore. - FAQ for you to discover solutions to your problems in Permata ME. - Digital account opening for foreigner is one click away. Now all you need is your visa or immigration stamp. - Debit Card Activation or Physical Debit Card Request made easy through Permata ME. - Exciting promos that you can see from the new home screen. - Portfolio that shows all your accounts in one place. - Settings for Favorite and Recurring Transactions, Forex Transaction Registration, Password and Security, Dark Mode, and Language. - Applying PermataKTA or Non-Collateral Loan through Permata ME to help you fulfill all your plans by financing cash of up to IDR 300 million with competitive interest starting from 0.88%. - SPT Document and e-Statement readily available according to your needs. - WhatsApp Gift to be sent on important or festive occasions. - Notification Inbox that stores all of your notifications, whether it is transaction, promos, or news notification. - Transaction History across all accounts that can be monitored easily through Permata ME. Permata Bank will continuously develop this app to serve you with the best banking experience. With Permata ME, explore the world of digital banking in your hand. PT Bank Permata, Tbk. is licensed and supervised by Financial Services Authority and Bank Indonesia, and a member of Indonesia Deposit Insurance Corporation. Permata Bank Head Office Gedung World Trade Center II (WTC II) Lt. 21 – 30 Jl. Jend. Sudirman Kav. 29 – 31 Kota Jakarta Selatan, Jakarta 12920
Screenshots
Verdict
SOL Indonesia and Permata ME both sit at 3.0 stars, but that hides the real split: 50% of SOL Indonesia's written reviews are positive against 19% of Permata ME's. SOL Indonesia also leads on monetization model (free vs free with in-app purchases) and iOS requirement (10.0 vs 15.1). Permata ME's advantage is ratings volume (77 vs 1) and update cadence (every 2 weeks vs every 2 months). On price, rating, 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.
On the App Store both sit at effectively the same score — 3.0 for SOL Indonesia against 3.1 for Permata ME. That said, the two scores are not equally well evidenced: Permata ME has 77 ratings behind it against 1, so its average is the more settled of the two. Written reviews are what separate them: 50% of SOL Indonesia's written reviews are positive against 19% of Permata ME's.
SOL Indonesia ships an update every 2 months, Permata ME every 2 weeks. The most recent releases landed on October 8, 2026 and October 24, 2026 respectively.
| Parameter | SOL Indonesia | Permata ME |
|---|---|---|
| Price | Free | Free |
| Rating | 3.0 (1 ratings) | 3.1 (77 ratings) — better |
| Positive reviews | 50.0% of reviews — better | 18.6% of reviews |
| Number of ratings | 1 | 77 — better |
| Update frequency | Every 2 months | Every 2 weeks — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free — better | Free with in-app purchases |
| Devices | iPhone, iPad, iPod — better | iPhone, iPod |
| Requires iOS | 10.0 — better | 15.1 |
| Further details — not scored | ||
| Size | 197 MB | 264 MB |
| Age rating | 4+ | 4+ |
| Developer | SHINHAN BANK | PT. Bank Permata, Tbk |
Customer experience
SOL Indonesia
Permata ME
In-app purchases
SOL Indonesia
No in-app purchases
Permata ME
No in-app purchases
Questions
Is SOL Indonesia free?
Is Permata ME free?
Which has better reviews, SOL Indonesia or Permata ME?
Do SOL Indonesia or Permata ME have ads?
Which is updated more often, SOL Indonesia or Permata ME?
Other comparisons
