Comparison

BNI SMS Banking vs Permata ME

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

Head to head
About

BNI SMS Banking

Easily manage your bank accounts and perform various transactions directly from your smartphone via SMS. Offers both non-financial inquiries and financial transactions like transfers and bill payments for registered users.

Highlights
  • Balance inquiry
  • Transaction history
  • Bill payments
  • Fund transfers
  • Mobile reloads
  • PIN management
Read full description

Conduct banking transactions can be done anywhere and anytime using your cell phone easily. BNI SMS Banking Menu is an SMS-jacket* application for Smartphone Platform. BNI SMS Banking Menu allows you to conduct every transaction simply by choosing the transaction menu such as cellular phone reload, bill payment, credit card payment, transfer to another BNI account or interbank fund transfer. To use the application, you have to be a registered-user. You can simply do the registration process through BNI ATM or any BNI Branches. As a non-financial registered user, you can only conduct non-financial transactions such as: 1. Balance inquiry 2. Last historical transaction inquiry 3. Billing inquiry, such as: Credit Card, telephone and electrical billing, etc 4. You can also change your BNI SMS Banking PIN To be the financial registered user, you have to come to every BNI branches to do the activation process. As a financial registered user, you can conduct all non-financial transactions and also these following financial transactions: 1. Fund transfer to another BNI accounts and also interbank fund transfer 2. Reload prepaid Telco products 3. BNI and Non-BNI Credit Card payments 4. Telkom and PLN billing payments 5. Zakat, Infaq, and Qurban 6. Airplane ticket payments For further information, please contact BNI Call at 1500046 or (021)1500046 using your cell phone. *SMS charges are depend on your cellular provider

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

Screenshots

BNI SMS Banking4 screens
Permata ME4 screens

Verdict

The call

The clearest difference is monetization model: BNI SMS Banking at free against Permata ME's free with in-app purchases. BNI SMS Banking also leads on rating (3.4 vs 3.1) and review sentiment (27% vs 19%). Permata ME's advantage is update cadence (every 2 weeks vs every 3 months) and ratings volume (77 vs 7). On price, ads, in-app purchases and device support 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

BNI SMS Banking holds the better App Store score, 3.4 against 3.1. That said, the two scores are not equally well evidenced: Permata ME has 77 ratings behind it against 7, so its average is the more settled of the two. Written reviews point the same way: 27% of BNI SMS Banking's written reviews are positive against 19% of Permata ME's.

UpkeepUpdate frequency

BNI SMS Banking ships an update every 3 months, Permata ME every 2 weeks. The most recent releases landed on October 23, 2026 and October 24, 2026 respectively.

Scorecard5 real differences · 5 level
BNI SMS Banking versus Permata ME: the parameters behind the verdict, then further details
ParameterBNI SMS BankingPermata ME
PriceFreeFree
Rating3.4 (7 ratings) — better3.1 (77 ratings)
Positive reviews27.0% of reviews — better18.6% of reviews
Number of ratings777 — better
Update frequencyEvery 3 monthsEvery 2 weeks — better
AdsNoNo
In-app purchasesNoNo
MonetizationFree — betterFree with in-app purchases
DevicesiPhone, iPodiPhone, iPod
Requires iOS14.0 — better15.1
Further details — not scored
Size133 MB264 MB
Age rating4+4+
DeveloperPT. BANK NEGARA INDONESIA (PERSERO) TBK.PT. Bank Permata, Tbk

Customer experience

BNI SMS Banking

All ratings7 ratings
Positive57.1%
Neutral14.3%
Negative28.6%
Written reviews63 reviews
Positive27.0%
Neutral4.8%
Negative68.3%

Permata ME

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

In-app purchases

None

BNI SMS Banking

No in-app purchases

None

Permata ME

No in-app purchases

Questions

Is BNI SMS Banking free?
BNI SMS Banking is free to download, with no in-app purchases.
Is Permata ME free?
Permata ME is free to download, with no in-app purchases.
Which has better reviews, BNI SMS Banking or Permata ME?
BNI SMS Banking is rated higher. BNI SMS Banking averages 3.4 out of 5 from 7 ratings, while Permata ME averages 3.1 from 77 ratings.
Do BNI SMS Banking or Permata ME have ads?
Neither BNI SMS Banking nor Permata ME shows ads.
Which is updated more often, BNI SMS Banking or Permata ME?
BNI SMS Banking ships an update every 3 months, and Permata ME every 2 weeks. Most recently, BNI SMS Banking was updated on October 23, 2026 and Permata ME on October 24, 2026.

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