# Permata ME vs BNIDirect Mobile

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.

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

Permata ME ships an update every 2 weeks, BNIDirect Mobile every 10 months. The most recent releases landed on November 2, 2026 and November 3, 2026 respectively.

## The numbers

| Metric | Permata ME | BNIDirect Mobile |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[3.1 (77 ratings)](https://appshunter.io/ios/app/permata-me/id1323973644/reviews)** | — |
| Number of ratings | **77** | — |
| Positive reviews | 18.6% of reviews | **69.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 2 weeks** | Every 10 months |
| Monetization | Free with in-app purchases | **Free** |
| Size | 264 MB | 16 MB |
| Requires iOS | 15.1 | **8.0** |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 17+ |
| Developer | [PT. Bank Permata, Tbk](https://appshunter.io/developer/514474576) | [PT. BANK NEGARA INDONESIA (PERSERO) TBK.](https://appshunter.io/developer/623228787) |

## What reviewers say

### Permata ME

[App page](https://appshunter.io/ios/app/permata-me/id1323973644)

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:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


### BNIDirect Mobile

[App page](https://appshunter.io/ios/app/bnidirect-mobile/id1471093490)

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

**In-app purchases:** none


## Frequently asked 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 November 2, 2026 and BNIDirect Mobile on November 3, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*