Comparison

Permata ME vs TipFly

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

TipFly

Features
Read full description

TipTap is a cashless tipping platform built for restaurants in Azerbaijan. FOR GUESTS — NO APP NEEDED. Scan the waiter's QR code with your phone camera, choose a tip amount, and pay by card in seconds. You can also leave a rating and comment about the service. FOR WAITERS - See every tip arrive instantly, with today's and this week's totals - Show your personal QR code right from your phone - Collect ratings and comments from guests - Withdraw your earnings to your bank card - Interface in Azerbaijani, English, and Russian FOR RESTAURANTS - Dashboard with tip and rating analytics for the whole team - Add and manage waiters in seconds - QR codes on tables, receipts, or waiters' phones - POS integration: tips printed on receipts are automatically attributed to the right waiter HOW IT WORKS Tipping is fully legal and transparent — payments are processed by a licensed payment provider. The waiter always receives their tip; the guest always chooses the amount. This app is for restaurant staff. Waiter accounts are created by the restaurant — ask your manager for an invite.

Screenshots

Permata ME4 screens
TipFly4 screens

Verdict

The call

The clearest difference is iOS requirement: TipFly at 13.0 against Permata ME's 15.1. 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.

UpkeepUpdate frequency

Permata ME ships an update every 2 weeks, TipFly every 3 weeks. The most recent releases landed on October 24, 2026 and October 5, 2026 respectively.

Scorecard1 real difference · 9 level
Permata ME versus TipFly: the parameters behind the verdict, then further details
ParameterPermata METipFly
PriceFreeFree
Rating3.1 (77 ratings) — better—
Positive reviews18.6% of reviews—
Number of ratings77 — better—
Update frequencyEvery 2 weeks — betterEvery 3 weeks
AdsNoNo
In-app purchasesNoNo
MonetizationFree with in-app purchases—
DevicesiPhone, iPodiPhone, iPad, iPod — better
Requires iOS15.113.0 — better
Further details — not scored
Size264 MB20 MB
Age rating4+4+
DeveloperPT. Bank Permata, Tbkvagif safarov

In-app purchases

None

Permata ME

No in-app purchases

None

TipFly

No in-app purchases

Questions

Is Permata ME free?
Permata ME is free to download, with no in-app purchases.
Is TipFly free?
TipFly is free to download, with no in-app purchases.
Do Permata ME or TipFly have ads?
Neither Permata ME nor TipFly shows ads.
Which is updated more often, Permata ME or TipFly?
Permata ME ships an update every 2 weeks, and TipFly every 3 weeks. Most recently, Permata ME was updated on October 24, 2026 and TipFly on October 5, 2026.

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