Comparison

Raya vs BRI Ceria

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

Head to head
About

Raya

Features
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Bank digital pilihan untuk kelola keuangan personal dan bisnis dalam satu akun. Sebagai bagian dari BRI Group, Raya siap bantu kamu kelola keuangan dengan mudah, aman, dan nyaman setiap harinya. Apa keuntungan pakai Raya? Di Raya, nabungnya bebas biaya Buka rekening lewat HP, hanya 4 menit Gratis biaya admin bulanan Bebas setoran awal dan tanpa minimal saldo Praktis penuhi berbagai kebutuhan Ada Saku Raya buat atur keuangan, mulai dari bujetin bulanan, nabung wujudin impian, sampai nabung bareng hingga 100 kawan Mudah pisahin keuangan personal dan bisnis dalam satu aplikasi Pinjaman hingga Rp25 juta di Pinang Flexi, khusus buat kamu yang gajian lewat Raya atau BRI. Aksesnya luas di seluruh Indonesia Ada 25 Community Branch Raya tersebar di Indonesia Setor tunai di Kantor Bank BRI, Agen BRILink dan Community Branch Raya Tarik tunai di Indomaret, ATM BRI, Agen BRILink dan Community Branch Raya Transaksi aman bikin nyaman Smart login, cepat dan aman dengan sidik jari atau scan wajah. Fitur Ekstra Pengamanan untuk transaksi nominal besar. Keamanan berlapis menggunakan kode OTP dan verifikasi wajah. Dapatkan juga cashback, voucher, dan berbagai misi seru hanya untukmu. Tunggu apalagi, mulai #RayakanKemudahan bersama Raya! #BankDigitalPilihanmu #BebasinBarengRaya Untuk informasi lebih lengkap, hubungi Sapa Raya di: Contact Center: 1500 494 WhatsApp: 081210000494 Instagram: @bankraya PT Bank Raya Indonesia Tbk. Gedung Menara BRILiaN Jl. Gatot Subroto No. 177A, Kel No.RT 009/01, Menteng Dalam, Tebet, Jakarta Selatan, Jakarta 12870.

About

BRI Ceria

Read full description

- Loan Product: Digital Lending product with 1 up to 12-month installment - Interest Rate: 2.5% flat per month or Annual Percentage Rate of 30% - Limit: Minimum of RP 500,000 up to Rp 20,000,000 maximum - Example: If you choose to do a 12-month installment to pay a transaction worth Rp 3,000,000 with an interest of 2.5% per month, then the repayment that must be done per month is Rp 325,000 with the total payment Rp 3,900,000 Ceria is a Digital Lending App by Bank BRI. All saving customers of Bank BRI can apply for the Ceria facility. With Ceria, users will get a chance to get up to Rp 20 million facility whenever and wherever within 30 minutes. Ceria will give the easiest and fastest way for customers to fulfill every online transaction need with a starting amount of Rp 500 thousand up to Rp 20 million. Users can choose up to 12 months' tenor and never have to worry about repayment. The user's saving account will automatically debited every due date. Ceria is officially registered and supervised by the Financial Services Authorization (OJK)

Screenshots

Raya4 screens
BRI Ceria4 screens

Verdict

The call

The clearest difference is ads: Raya at none against BRI Ceria's shown. BRI Ceria's advantage is iOS requirement (13.0 vs 16.6). On price, update cadence, in-app purchases and device support there is nothing between them.

Scored on Price ยท Rating ยท Positive reviews ยท Number of ratings ยท Update frequency ยท Ads ยท In-app purchases ยท Monetization ยท Best chart rank ยท Devices ยท Requires iOS

CostPrice ยท In-app purchases ยท Ads ยท Monetization

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

UpkeepUpdate frequency

Both ship on a similar rhythm, roughly every 5 weeks. The most recent releases landed on September 15, 2026 and September 7, 2026 respectively.

Scorecard2 real differences ยท 4 level
Raya versus BRI Ceria: the parameters behind the verdict, then further details
ParameterRayaBRI Ceria
PriceFreeFree
Update frequencyEvery 5 weeksEvery 5 weeks
AdsNo โ€” betterYes
In-app purchasesNoNo
DevicesiPhone, iPadiPhone, iPad, iPod โ€” better
Requires iOS16.613.0 โ€” better
Further details โ€” not scored
Size178 MB54 MB
Age rating4+4+
DeveloperPT. Bank Raya Indonesia, Tbk.PT. Bank Rakyat Indonesia (Persero) Tbk.

In-app purchases

None

Raya

No in-app purchases

None

BRI Ceria

No in-app purchases

Questions

Is Raya free?
Raya is free to download, with no in-app purchases.
Is BRI Ceria free?
BRI Ceria is free to download, with no in-app purchases.
Do Raya or BRI Ceria have ads?
BRI Ceria shows ads; Raya does not.
Which is updated more often, Raya or BRI Ceria?
Raya ships an update every 5 weeks, and BRI Ceria every 5 weeks. Most recently, Raya was updated on September 15, 2026 and BRI Ceria on September 7, 2026.

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