BNI SMS Banking vs SimobiPlus
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
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.
- 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
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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
Verdict
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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
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.
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.
| Parameter | BNI SMS Banking | SimobiPlus |
|---|---|---|
| Price | Free | Free |
| Rating | 3.4 (7 ratings) | 4.1 (31 ratings) — better |
| Positive reviews | 27.0% of reviews | 76.3% of reviews — better |
| Number of ratings | 7 | 31 — better |
| Update frequency | Every 3 months | Every 2 weeks — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod | iPhone, iPad, iPod — better |
| Requires iOS | 14.0 — better | 15.5 |
| Further details — not scored | ||
| Size | 133 MB | 193 MB |
| Age rating | 4+ | 4+ |
| Developer | PT. BANK NEGARA INDONESIA (PERSERO) TBK. | Bank Sinarmas |
Customer experience
BNI SMS Banking
SimobiPlus
In-app purchases
BNI SMS Banking
No in-app purchases
SimobiPlus
No in-app purchases
Questions
Is BNI SMS Banking free?
Is SimobiPlus free?
Which has better reviews, BNI SMS Banking or SimobiPlus?
Do BNI SMS Banking or SimobiPlus have ads?
Which is updated more often, BNI SMS Banking or SimobiPlus?
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