BNI SMS Banking vs BIONS
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- Balance inquiry
- Transaction history
- Bill payments
- Fund transfers
- Mobile reloads
- PIN management
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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
BIONS
Manage diverse investment instruments like stocks, mutual funds, and bonds in one place. This app offers a modern interface with innovative features to support your investment journey, including research insights and educational resources.
- Manage stocks, mutual funds, and bonds
- Trading ideas and research recommendations
- Mark and monitor favorite stocks
- Investment education and literacy resources
- Downloadable tax reports
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New BIONS by BNI Sekuritas Nikmati pengalaman investasi yang lebih mudah, cepat, dan modern dengan New BIONS. Dirancang khusus untuk kamu yang ingin mengelola berbagai instrumen investasi dalam satu genggaman. - Saham - Reksa Dana - EBA Ritel - Surat Berharga Negara (SBN) - Obligasi Korporasi Kini hadir dengan tampilan baru yang lebih modern dan fitur-fitur inovatif untuk mendukung perjalanan investasimu. #ElevateYourExperience Fitur BIONS: * Trading Ideas, memudahkan pengguna untuk mendapatkan analisis mendalam dan rekomendasi terupdate dari Tim Riset BNI Sekuritas * Favorites Notes, pengguna dapat menandai dan memantau saham pilihan dengan satu klik, tanpa perlu mencari ulang. * BIONS Update, pengguna dapat mengetahui informasi atau berita terupdate seputar aplikasi BIONS. * Education, memberikan kemudahan bagi pengguna untuk mengakses video edukasi/tutorial dan artikel literasi investasi. * Mutual Fund, memberikan pengalaman investasi reksa dana yang lebih mudah dengan tampilan baru. * Fixed Income, lebih mudah dan efisien dengan tampilan baru untuk transaksi EBA Ritel, SBN, dan Obligasi Korporasi. * Tax Report, pengguna dapat dengan mudah mengunduh laporan pajak dengan lengkap dan transparan. BIONS menjangkau semua kalangan investor di Indonesia dengan latar belakang apapun. Nikmati juga kemudahan kepada nasabah mencoba berbagai fitur BIONS menggunakan account trial atau akun uji coba. Informasi lebih lanjut: Instagram @bnisekuritas46 : https://www.instagram.com/bnisekuritas46/ Instagram @bions.official : https://www.instagram.com/bions.official/ Youtube : https://www.youtube.com/@bnisekuritas46 TikTok : https://www.tiktok.com/@bnisekuritas46 Twitter : https://x.com/bnisekuritas46 Facebook : https://www.facebook.com/bnisekuritas46 Download dan registrasi BIONS sekarang!
Screenshots
Verdict
The clearest difference is rating: BIONS at 3.8 against BNI SMS Banking's 3.4. BIONS also leads on update cadence (monthly vs every 3 months). BNI SMS Banking's advantage is review sentiment (27% vs 0%). On price, ratings volume, 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
BIONS holds the better App Store score, 3.8 against 3.4. Both are backed by a comparable volume of ratings — 7 and 11 respectively. Written reviews complicate that: 27% of BNI SMS Banking's written reviews are positive against 0% of BIONS's, so the app with the better star average is not the one people write more warmly about.
BNI SMS Banking ships an update every 3 months, BIONS monthly. The most recent releases landed on October 23, 2026 and October 25, 2026 respectively.
| Parameter | BNI SMS Banking | BIONS |
|---|---|---|
| Price | Free | Free |
| Rating | 3.4 (7 ratings) | 3.8 (11 ratings) — better |
| Positive reviews | 27.0% of reviews — better | 0.0% of reviews |
| Number of ratings | 7 | 11 — better |
| Update frequency | Every 3 months | Monthly — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod | iPhone, iPad, iPod — better |
| Requires iOS | 14.0 — better | 15.0 |
| Further details — not scored | ||
| Size | 133 MB | 147 MB |
| Age rating | 4+ | 17+ |
| Developer | PT. BANK NEGARA INDONESIA (PERSERO) TBK. | PT BNI Sekuritas |
Customer experience
BNI SMS Banking
BIONS
Bugs and requests
BNI SMS Banking
Not enough reviews yet to summarise bugs or requests.
BIONS
Reported bugs
4 issues- Inability to complete transactions due to rejected orders
- Incorrect or missing portfolio and asset information
- Persistent login issues and account access problems
- Outdated product listings and unavailable investment options
Requested features
4 requests- Improve overall app stability and reliability
- Enhance login and account management experience
- Optimize performance for faster loading and smoother operation
- Redesign UI for better usability and intuitiveness
In-app purchases
BNI SMS Banking
No in-app purchases
BIONS
No in-app purchases
