Comparison

Permata ME vs BNIDirect Mobile

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

Head to head
About

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.

Highlights
  • 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
Features
Read full description

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

About

BNIDirect Mobile

This mobile application provides access to a business internet banking platform for non-individual customers. It allows users to manage and monitor transactions on the go, enhancing business mobility with secure M-PIN and SMS OTP authentication.

Highlights
  • Access BNIDirect internet banking
  • Monitor business transactions
  • M-PIN security
  • SMS OTP for transactions
  • Designed for high mobility executives
Read full description

BNIDirect Mobile adalah aplikasi mobile (mobile-apps) yang didesign untuk smartphone untuk mengakses BNIDirect (Internet Banking untuk Nasabah Non Perorangan), dan merupakan kanal baru berupa sebagai tambahan kanal BNIDirect yang ada saat ini (versi web). BNIDirect Mobile menunjang kegiatan para eksekutif perusahaan/instansi/institusi yang mempunyai mobilitas tinggi dalam menjalankan bisnis/aktivitasnya. Aktivitas transaksi yang terjadi di BNIDirect (versi web) dapat juga dipantau melalui BNIDirect Mobile, begitu pula sebaliknya. BNIDirect Mobile menawarkan kemudahan serta dilengkapi dengan penggunaan M-PIN (Mobile Personal Identification Number) dan SMS OTP (One Time Password) untuk setiap transaksi.

Screenshots

Permata ME4 screens
BNIDirect Mobile4 screens

Verdict

The call

The clearest difference is review sentiment: BNIDirect Mobile at 69% against Permata ME's 19%. BNIDirect Mobile also leads on monetization model (free vs free with in-app purchases) and iOS requirement (8.0 vs 15.1). Permata ME's advantage is update cadence (every 2 weeks vs every 10 months). On price, ads, in-app purchases 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.

UpkeepUpdate frequency

Permata ME ships an update every 2 weeks, BNIDirect Mobile every 10 months. The most recent releases landed on October 24, 2026 and October 19, 2026 respectively.

Scorecard4 real differences · 6 level
Permata ME versus BNIDirect Mobile: the parameters behind the verdict, then further details
ParameterPermata MEBNIDirect Mobile
PriceFreeFree
Rating3.1 (77 ratings) — better—
Positive reviews18.6% of reviews69.0% of reviews — better
Number of ratings77 — better—
Update frequencyEvery 2 weeks — betterEvery 10 months
AdsNoNo
In-app purchasesNoNo
MonetizationFree with in-app purchasesFree — better
DevicesiPhone, iPodiPhone, iPod
Requires iOS15.18.0 — better
Further details — not scored
Size264 MB16 MB
Age rating4+17+
DeveloperPT. Bank Permata, TbkPT. BANK NEGARA INDONESIA (PERSERO) TBK.

Customer experience

Permata ME

All ratings77 ratings
Positive45.5%
Neutral10.4%
Negative44.2%
Written reviews167 reviews
Positive18.6%
Neutral10.8%
Negative70.7%

BNIDirect Mobile

Written reviews29 reviews
Positive69.0%
Neutral0.0%
Negative31.0%

In-app purchases

None

Permata ME

No in-app purchases

None

BNIDirect Mobile

No in-app purchases

Questions

Is Permata ME free?
Permata ME is free to download, with no in-app purchases.
Is BNIDirect Mobile free?
BNIDirect Mobile is free to download, with no in-app purchases.
Do Permata ME or BNIDirect Mobile have ads?
Neither Permata ME nor BNIDirect Mobile shows ads.
Which is updated more often, Permata ME or BNIDirect Mobile?
Permata ME ships an update every 2 weeks, and BNIDirect Mobile every 10 months. Most recently, Permata ME was updated on October 24, 2026 and BNIDirect Mobile on October 19, 2026.

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