Comparison

ASTRAPAY vs BYOND by BSI

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

Head to head
About

ASTRAPAY

This digital payment solution simplifies daily transactions, from household needs and transportation to insurance and entertainment. It offers convenient QRIS payments, bill settlements, and easy top-ups from various banks and retail locations.

Highlights
  • QRIS payments
  • Bill and utility payments
  • Mobile top-ups
  • Transportation payments
  • Astra Group installment payments
  • Bank and retail top-ups
  • Peer-to-peer 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!

About

BYOND by BSI

This digital banking app offers a comprehensive suite of Sharia-compliant financial services. Easily manage accounts, make payments, invest in various assets, apply for financing, and access Islamic features like donations and prayer reminders.

Highlights
  • Open accounts remotely
  • QRIS and bill payments
  • E-wallet top-ups
  • Gold, SBSN, and deposit investments
  • Financing for various needs
  • Donations, zakat, and prayer reminders
  • Quran reader
Read full description

Selamat datang di BYOND by BSI! Aplikasi perbankan digital syariah terbesar di Indonesia. Saatnya bikin #SemuaJadiMudah aktivitas perbankanmu. Fleksibilitas Tanpa Batas BYOND by BSI hadir untuk meningkatkan aktivitas perbankanmu jadi lebih mudah. Mau buka rekening bisa tanpa keluar rumah dan bisa aktivasi akun BSI hanya melalui aplikasi BYOND. Bertransaksi Makin Lengkap & Mudah Terintegrasi dengan banyak partner sehingga aktivitas bayar dan beli beragam kebutuhan langsung dari satu aplikasi. Mau transaksi QRIS, token PLN, biaya pendidikan, top up E-Wallet, dan banyak lagi, #SemuaJadiMudah hanya untuk kamu. Persiapkan Hari Esok, Mulai Hari Ini! Rencanakan masa depan lebih pasti dengan beragam aset investasi di BYOND. Manfaatkan investasi emas, SBSN, Deposito, dan berbagai fitur investasi syariah lainnya. Wujudkan Impianmu Bareng BYOND! Punya impian? Segera wujudkan dengan produk pembiayaan yang semakin variatif. Ajukan pembiayaan untuk berbagai kebutuhan dan keinginanmu. Mulai dari cicil emas, gadai emas, Mitraguna Berkah Online, hingga kendaraan impian di BSI OTO. Dekatkan Diri Penuh Makna BYOND by BSI hadir untuk mempermudah ibadahmu dengan fitur islaminya. Berdonasi, infaq, bayar zakat, pengingat waktu shalat, baca Qur’an, hingga ibadah ke Tanah Suci, #SemuaJadiMudah dilakukan di BYOND. Saatnya bikin #SemuaJadiMudah bersama BYOND by BSI. Download sekarang!

Screenshots

ASTRAPAY4 screens
BYOND by BSI4 screens

Verdict

The call

The clearest difference is ads: ASTRAPAY at none against BYOND by BSI's shown. ASTRAPAY also leads on update cadence (fortnightly vs every 6 weeks). BYOND by BSI's advantage is review sentiment (67% vs 38%) and ratings volume (25 vs 4). On price, rating, in-app purchases and monetization model 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 — 4.0 for ASTRAPAY against 4.0 for BYOND by BSI. That said, the two scores are not equally well evidenced: BYOND by BSI has 25 ratings behind it against 4, so its average is the more settled of the two. Written reviews are what separate them: 38% of ASTRAPAY's written reviews are positive against 67% of BYOND by BSI's.

UpkeepUpdate frequency

ASTRAPAY ships an update fortnightly, BYOND by BSI every 6 weeks. Both last shipped on November 3, 2026.

Scorecard4 real differences · 6 level
ASTRAPAY versus BYOND by BSI: the parameters behind the verdict, then further details
ParameterASTRAPAYBYOND by BSI
PriceFreeFree
Rating4.0 (4 ratings) — better4.0 (25 ratings)
Positive reviews37.9% of reviews66.7% of reviews — better
Number of ratings425 — better
Update frequencyFortnightly — betterEvery 6 weeks
AdsNo — betterYes
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPodiPhone, iPod
Requires iOS13.6 — better14.0
Further details — not scored
Size152 MB490 MB
Age rating4+4+
DeveloperASTRA DIGITAL ARTA, PTPT Bank Syariah Indonesia, Tbk

Customer experience

ASTRAPAY

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

BYOND by BSI

All ratings23 ratings
Positive78.3%
Neutral4.3%
Negative17.4%
Written reviews18 reviews
Positive66.7%
Neutral5.6%
Negative27.8%

In-app purchases

None

ASTRAPAY

No in-app purchases

None

BYOND by BSI

No in-app purchases

Questions

Is ASTRAPAY free?
ASTRAPAY is free to download, with no in-app purchases.
Is BYOND by BSI free?
BYOND by BSI is free to download, with no in-app purchases.
Which has better reviews, ASTRAPAY or BYOND by BSI?
ASTRAPAY is rated higher. ASTRAPAY averages 4.0 out of 5 from 4 ratings, while BYOND by BSI averages 4.0 from 25 ratings.
Do ASTRAPAY or BYOND by BSI have ads?
BYOND by BSI shows ads; ASTRAPAY does not.
Which is updated more often, ASTRAPAY or BYOND by BSI?
ASTRAPAY ships an update fortnightly, and BYOND by BSI every 6 weeks. Most recently, ASTRAPAY was updated on November 3, 2026 and BYOND by BSI on November 3, 2026.

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