Comparison

Permata ME vs Victoria 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

Victoria Mobile

This mobile application offers a comprehensive suite of financial services, enabling users to make payments and process transactions conveniently. It provides advanced features for a new banking experience, including biometric login, QRIS payments, and cardless cash withdrawals.

Highlights
  • Biometric login
  • QRIS payments
  • Cardless cash withdrawal
  • Online deposits
  • Reward points
  • E-statements
Features
Read full description

Victoria Bank Super Apps adalah aplikasi seluler yang menyediakan berbagai layanan termasuk pembayaran dan pemrosesan transaksi keuangan kapan saja, di mana saja. Kami telah menyiapkan fitur-fitur yang unggul dan berbeda untuk membawa hidup Anda ke pengalaman perbankan baru. Daftar Victoria Mobile, Akses Cepat, Login Biometrik, Banyak Transaksi, QRIS, Tarik Tunai Tanpa Kartu, Deposito Online, Poin Reward, E-Statement Tahun dan masih banyak lagi.

Screenshots

Permata ME4 screens
Victoria Mobile4 screens

Verdict

The call

The clearest difference is monetization model: Victoria Mobile at free against Permata ME's free with in-app purchases. Permata ME's advantage is ratings volume (77 vs 1). On price, rating, update cadence and ads 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

On the App Store both sit at effectively the same score — 3.1 for Permata ME against 3.0 for Victoria Mobile. 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.

UpkeepUpdate frequency

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

Scorecard2 real differences · 8 level
Permata ME versus Victoria Mobile: the parameters behind the verdict, then further details
ParameterPermata MEVictoria Mobile
PriceFreeFree
Rating3.1 (77 ratings) — better3.0 (1 ratings)
Positive reviews18.6% of reviews—
Number of ratings77 — better1
Update frequencyEvery 2 weeks — betterEvery 3 weeks
AdsNoNo
In-app purchasesNoNo
MonetizationFree with in-app purchasesFree — better
DevicesiPhone, iPodiPhone, iPod
Requires iOS15.115.1
Further details — not scored
Size264 MB90 MB
Age rating4+4+
DeveloperPT. Bank Permata, TbkPT Bank Victoria International Tbk.

Customer experience

Permata ME

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

Victoria Mobile

All ratings1 ratings
Positive0.0%
Neutral100.0%
Negative0.0%

In-app purchases

None

Permata ME

No in-app purchases

None

Victoria Mobile

No in-app purchases

Questions

Is Permata ME free?
Permata ME is free to download, with no in-app purchases.
Is Victoria Mobile free?
Victoria Mobile is free to download, with no in-app purchases.
Which has better reviews, Permata ME or Victoria Mobile?
Permata ME is rated higher. Permata ME averages 3.1 out of 5 from 77 ratings, while Victoria Mobile averages 3.0 from 1 ratings.
Do Permata ME or Victoria Mobile have ads?
Neither Permata ME nor Victoria Mobile shows ads.
Which is updated more often, Permata ME or Victoria Mobile?
Permata ME ships an update every 2 weeks, and Victoria Mobile every 3 weeks. Most recently, Permata ME was updated on November 2, 2026 and Victoria Mobile on November 3, 2026.

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