Comparison

BNI SMS Banking vs SimobiPlus

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

SimobiPlus

Manage your finances, open accounts, and make payments seamlessly. This mobile banking app allows for easy bill payments, top-ups, investments, and local/global money transfers. Experience convenient digital banking with features like QRIS payments and scheduled bill payments.

Highlights
  • Open savings accounts instantly
  • Local and international money transfers
  • Pay bills and top-up e-wallets
  • Scheduled bill payments
  • Cashless transactions via QRIS
  • Track and top-up investments
Features
Read full description

SimobiPlus is a mobile banking app from Bank Sinarmas, which offers a frictionless banking experience for you—account opening, managing finances, paying bills and top-ups, investing, and many more—with a few taps from your mobile phone. Come join the thousands who have already experienced state-of-the-art digital banking. So what’s in it, and how does it work? 1. Open a savings account in minutes Skip that trip to the branch. You can now do it straight from the SimobiPlus app. No physical documents are required! 2. Transfer money locally and globally Enjoy convenient transfers to all banks in Indonesia, with several transfer methods you can choose from. No transfer fee required.* You can also do international transfers using various currencies to anywhere in the world. 3. Pay bills and top up effortlessly Enjoy the convenience of paying all your bills and topping up your e-wallets straight from your mobile phone. You can also set up scheduled payment for your recurring bills— no more hassle with your bills. 4. Hassle-free deposit opening Open your deposit wherever you and your phone go. Fund placement starts at IDR 500.000 with a competitive interest rate. 5. Cashless transactions using QRIS Making purchases from your favorite merchants is now only a QR scan away. 6. Top up and track investment performance Track your investment performance in real-time and top up your investment instantly from the convenience of your mobile phone. What are you waiting for? Download SimobiPlus now! #SenyamanItu Bank Sinarmas is licensed and supervised by the OJK (Otoritas Jasa Keuangan) and is an LPS (Lembaga Penjamin Simpanan) guarantee participant. PT. Bank Sinarmas Tbk. Sinar Mas Land Plaza Tower I Jl. MH Thamrin No. 51 Jakarta Pusat 10350, Indonesia Tel : 1500153 Email : care@banksinarmas.com www.banksinarmas.com Instagram : @banksinarmas X : @BankSinarmas Facebook : Bank Sinarmas LinkedIn : PT Bank Sinarmas Tbk Youtube : Bank Sinarmas

Screenshots

BNI SMS Banking4 screens
SimobiPlus4 screens

Verdict

The call

The clearest difference is review sentiment: SimobiPlus at 76% against BNI SMS Banking's 27%. SimobiPlus also leads on rating (4.1 vs 3.4) and update cadence (every 2 weeks vs every 3 months). On price, ads, 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

SimobiPlus holds the better App Store score, 4.1 against 3.4. Both are backed by a comparable volume of ratings — 7 and 31 respectively. Written reviews point the same way: 27% of BNI SMS Banking's written reviews are positive against 76% of SimobiPlus's.

UpkeepUpdate frequency

BNI SMS Banking ships an update every 3 months, SimobiPlus every 2 weeks. The most recent releases landed on October 6, 2026 and October 10, 2026 respectively.

Scorecard4 real differences · 6 level
BNI SMS Banking versus SimobiPlus: the parameters behind the verdict, then further details
ParameterBNI SMS BankingSimobiPlus
PriceFreeFree
Rating3.4 (7 ratings)4.1 (31 ratings) — better
Positive reviews27.0% of reviews76.3% of reviews — better
Number of ratings731 — better
Update frequencyEvery 3 monthsEvery 2 weeks — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPodiPhone, iPad, iPod — better
Requires iOS14.0 — better15.5
Further details — not scored
Size133 MB193 MB
Age rating4+4+
DeveloperPT. BANK NEGARA INDONESIA (PERSERO) TBK.Bank Sinarmas

Customer experience

BNI SMS Banking

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

SimobiPlus

All ratings31 ratings
Positive77.4%
Neutral3.2%
Negative19.4%
Written reviews59 reviews
Positive76.3%
Neutral3.4%
Negative20.3%

In-app purchases

None

BNI SMS Banking

No in-app purchases

None

SimobiPlus

No in-app purchases

Questions

Is BNI SMS Banking free?
BNI SMS Banking is free to download, with no in-app purchases.
Is SimobiPlus free?
SimobiPlus is free to download, with no in-app purchases.
Which has better reviews, BNI SMS Banking or SimobiPlus?
SimobiPlus is rated higher. BNI SMS Banking averages 3.4 out of 5 from 7 ratings, while SimobiPlus averages 4.1 from 31 ratings.
Do BNI SMS Banking or SimobiPlus have ads?
Neither BNI SMS Banking nor SimobiPlus shows ads.
Which is updated more often, BNI SMS Banking or SimobiPlus?
BNI SMS Banking ships an update every 3 months, and SimobiPlus every 2 weeks. Most recently, BNI SMS Banking was updated on October 6, 2026 and SimobiPlus on October 10, 2026.

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