Comparison

Permata ME vs ASTRAPAY

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

ASTRAPAY

This digital payment solution simplifies daily transactions for bills, transportation, and daily needs. It offers convenient QRIS payments, bill settlements for various services, and easy top-ups. Earn rewards and transfer funds seamlessly.

Highlights
  • QRIS payments
  • Bill and service payments
  • Transportation payments
  • Top-up options
  • Fund transfers
  • AstraPoints rewards
Features
Read full description

Dari kebutuhan harian, bulanan, sampe tahunan #APAAJAASTRAPAY Selalu percayakan AstraPay sebagai solusi pembayaran digital di kehidupan sehari-harimu! Mulai dari memenuhi kebutuhan rumah tangga, bayar servis kendaraan, transportasi untuk pergi ke kantor, bayar asuransi hingga nongkrong di cafe yang aesthetic. Sekarang, kamu bisa bayar apa aja dengan simple, aman dan bikin kamu lebih untung karena AstraPay will always makes your day. Yuk, intip ada fitur-fitur apa aja di AstraPay: Bayar Apapun Lebih Simple Pake Scan QRIS Sekarang, Gak perlu worry lupa bawa dompet pas lagi nongkrong karena ada AstraPay yang memudahkan pembayaranmu. Transaksi lebih simple, nyaman dan aman. Bayar Ini Itu Jadi Lebih Gampang Siapa di sini yang panik kalau lampu rumah tiba-tiba mati tengah malam, pulsa mau habis saat doi minta call, kartu e-money ketinggalan pas mau naik MRT, mau masak tapi persediaan di kulkas habis, badan gaenak badan tapi mager pergi ke dokter? Nih, ada AstraPay yang bikin kamu gak panik lagi kalau kejadian tadi terjadi. - Kamu bisa bayar/beli Pulsa, Paket Data, Pascabayar, Voucher Game, Telkom, Internet, TV Kabel, PLN, PDAM, PGN, Pertagas, Donasi & Zakat, Asuransi, dan PBB dari rumah aja pake AstraPay. - Lebih nyaman naik transportasi umum tanpa takut ketinggalan kartu karena bisa bayar MRT Jakarta, TransJakarta, Trans Jateng, Trans Jatim, Trans Jogja, Trans Semarang, Trans Batam hingga Daytrans pake AstraPay - Kebutuhan harian jadi lebih hemat pakai promo dari AstraPay di SayurBox, Segari, AlloFresh, dan Halodoc. Bayar Angsuran Astra Group dan Lainnya Sekarang kamu cuma butuh satu aplikasi untuk bayar angsuran Astra Group seperti FIFGROUP, TAF, ACC, Maucash, serta tagihan bulanan, pajak dan masih banyak lagi. Top-up Tanpa Ribet Saldo AstraPay kamu kurang? Tenang, gak usah panik! Kamu bisa top-up saldo AstraPay lewat ATM, internet banking, atau m-banking dengan +10 bank rekanan AstraPay termasuk Bank Permata, BCA, BNI, CIMB Niaga, dan bank lainnya atau kamu bisa langsung meluncur ke Alfamart terdekat. Transfer ke Sesama Pengguna Sekarang, mau transfer uang untuk orang tua, istri, anak, atau doi, semua bisa kamu lakukan dengan fitur Transfer Sesama Pengguna nih, lebih cepat dan pastinya tidak ada biaya admin! Kumpulin AstraPoints Sebanyak-banyaknya 1 AstraPoints = 1 Rupiah. Yuk, kumpulin AstraPoints sebanyak-banyaknya dan tukarkan dengan voucher menarik untuk nonton, belanja, jalan-jalan dan nongkrong di cafe ternama. Temukan keasikan dalam menggunakan AstraPay untuk keseharianmu Karena mulai kebutuhan harian, bulanan sampe tahunan #APAAJAASTRAPAY!

Screenshots

Permata ME4 screens
ASTRAPAY4 screens

Verdict

The call

The clearest difference is rating: ASTRAPAY at 4.0 against Permata ME's 3.1. ASTRAPAY also leads on monetization model (free vs free with in-app purchases) and review sentiment (38% vs 19%). Permata ME's advantage is ratings volume (77 vs 4). 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

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

ASTRAPAY holds the better App Store score, 4.0 against 3.1. That said, the two scores are not equally well evidenced: Permata ME has 77 ratings behind it against 4, so its average is the more settled of the two. Written reviews point the same way: 19% of Permata ME's written reviews are positive against 38% of ASTRAPAY's.

UpkeepUpdate frequency

Both ship on a similar rhythm, roughly fortnightly. The most recent releases landed on September 17, 2026 and September 16, 2026 respectively.

Scorecard5 real differences · 5 level
Permata ME versus ASTRAPAY: the parameters behind the verdict, then further details
ParameterPermata MEASTRAPAY
PriceFreeFree
Rating3.1 (77 ratings)4.0 (4 ratings) — better
Positive reviews18.6% of reviews37.9% of reviews — better
Number of ratings77 — better4
Update frequencyFortnightlyFortnightly
AdsNoNo
In-app purchasesNoNo
MonetizationFree with in-app purchasesFree — better
DevicesiPhone, iPodiPhone, iPod
Requires iOS15.113.6 — better
Further details — not scored
Size261 MB136 MB
Age rating4+4+
DeveloperPT. Bank Permata, TbkASTRA DIGITAL ARTA, PT

Customer experience

Permata ME

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

ASTRAPAY

All ratings4 ratings
Positive75.0%
Neutral0.0%
Negative25.0%
Written reviews58 reviews
Positive37.9%
Neutral1.7%
Negative60.3%

In-app purchases

None

Permata ME

No in-app purchases

None

ASTRAPAY

No in-app purchases

Questions

Is Permata ME free?
Permata ME is free to download, with no in-app purchases.
Is ASTRAPAY free?
ASTRAPAY is free to download, with no in-app purchases.
Which has better reviews, Permata ME or ASTRAPAY?
ASTRAPAY is rated higher. Permata ME averages 3.1 out of 5 from 77 ratings, while ASTRAPAY averages 4.0 from 4 ratings.
Do Permata ME or ASTRAPAY have ads?
Neither Permata ME nor ASTRAPAY shows ads.
Which is updated more often, Permata ME or ASTRAPAY?
Permata ME ships an update fortnightly, and ASTRAPAY fortnightly. Most recently, Permata ME was updated on September 17, 2026 and ASTRAPAY on September 16, 2026.

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