DIGI by bank bjb vs POSPAY
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
DIGI by bank bjb
This mobile banking app offers real-time e-banking transactions for bank bjb customers. It provides a user-friendly interface with interactive menus for various financial and non-financial services, simplifying transactions compared to SMS banking.
- Real-time e-banking transactions
- Interactive menu icons
- Balance inquiry
- Mini statement
- Bill payments
- Interbank transfers
- Mobile credit purchases
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Layanan bjb digi menyediakan layanan bjb NET versi mobile yang memberikan kenyamanan dalam melakukan transaksi e-banking secara real time kapan dan dimana saja dengan menggunakan smartphone bagi nasabah bank bjb. Selain itu, layanan bjb digi merupakan evolusi lebih lanjut dari bjb SMS, yang memberikan nasabah kemudahan dalam melakukan bertransaksi melalui HP dengan tanpa harus menghapal kode-kode transaksi dalam pengetikan perintah SMS. bjb digi membungkus perintah-perintah bjb SMS ke dalam icon-icon menu yang lebih menarik dan interaktif, sehingga memudahkan nasabah dalam bertransaksi. Beberapa fitur yang terdapat pada Layanan bjb digi, diantaranya : Transaksi non finansial : 1) Lokasi ATM dan Cabang bank bjb 2) Layanan bjb Call - 14049 3) Informasi Saldo 4) Mini Statement 5) Inquiry Tagihan : a. Telepon (PSTN, Flexi Postpaid) b. Ponsel (Telkomsel, Indosat, XL/Axis, Smartfren dan Esia) c. Air Minum (Tirta Wening, Tirta Raharja, Aetra dan Palyja) d. Tiket (Garuda Indonesia, Kereta Api Indonesia dan Citilink) e. Kartu Kredit (bank bjb, HSBC, Standard Chartered, Danamon dan CIMB Niaga) e. TV Berlangganan (Transvision/Telkomvision, Indovision/Oke Vision/Top TV dan Aora TV) f. Internet (Speedy) g. Finpay h. Multipayment (Virtual Account) i. Pendidikan (Unpad, Unpas, Unswagati dan Untirta) 6) Administrasi a. Petunjuk Penggunaan layanan bjb NET dan bjb SMS • Cara Registrasi dan aktivasi • Cara Transaksi b. Ganti PIN bjb SMS c. SMS Notifikasi • Pendaftaran • Penonaktifan Transaksi finansial : 1) Transfer bank bjb dan antar bank online 2) Pembayaran Tagihan a. Telepon (PSTN, Flexi Postpaid) b. Ponsel (Telkomsel, Indosat, XL/Axis, Smartfren dan Esia) c. Air Minum (Tirta Wening, Tirta Raharja, Aetra dan Palyja) d. Tiket (Garuda Indonesia, Kereta Api Indonesia dan Citilink) e. Kartu Kredit (bank bjb, HSBC, Standard Chartered, Danamon dan CIMB Niaga) e. TV Berlangganan (Transvision/Telkomvision, Indovision/Oke Vision/Top TV dan Aora TV) f. Internet (Speedy) g. Finpay h. Multipayment (Virtual Account) i. Pendidikan (Unpad, Unpas, Unswagati dan Untirta) 3) Pembelian pulsa (Telkomsel, Indosat, XL/Axis, Smartfren, Esia, Flexi dan Three) Untuk keterangan lebih lanjut dapat menghubungi bjb Call 14049 Biaya SMS dan Paket Data tergantung kepada provider ponsel Anda
POSPAY
This platform offers mobile access to financial services, including bill payments, money transfers, and account management. It leverages a network of postal service points across Indonesia for convenient transactions.
- Bill payment for utilities and loans
- Instant money transfers
- Giropos account management
- QR code payments
- Financial planning tools
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POSPAY adalah platform digital berbasis rekening Giropos yang diberikan kepada pemilik rekening Giropos sehingga dapat mengakses layanan Giropos dan layanan transaksi keuangan pos lainnya secara ‘mobile’. Dengan menggunakan ‘POSPAY Anda diberikan kemudahan dan fasilitas layanan transaksi keuangan secara ‘mobile’ yang dapat diakses kapan saja dan dimana saja seperti: a. Layanan Bill Payment: Pembayaran berbagai Tagihan : Listrik, PDAM, Cicilan Motor, Mobil, BPJS, Pembelian pulsa, token listrik dan masih banyak lagi. b. Pengiriman Uang melalui layanan Weselpos Instan. Kirim uang secepat sms. c. Pengelolaan Keuangan melalui Layanan Giropos: menyimpan dana di rekening Giropos, mudah, aman dan nyaman. d. Fasilitas Scan QR Code untuk pembayaran/pembelian via merchant/Micro Payment dengan basis Rekening Giropos. e. Perencanaan Keuangan dll. Layanan ‘POSPAY’ melengkapi jaringan dan titik layanan (Point of Sales) PT Pos Indonesia (Persero) yang sudah tersedia sebelumnya sekitar 58.700 titik dalam bentuk Kantorpos, Agenpos, Mobile Postal Service, dan lain-lain di seluruh Indonesia. Gunakan POSPAY untuk kemudahan dan kenyamanan kebutuhan layanan transaksi keuangan Anda.
Screenshots
Verdict
The clearest difference is rating: DIGI by bank bjb at 3.0 against POSPAY's 1.7. DIGI by bank bjb also leads on review sentiment (29% vs 15%). On price, ratings volume, update cadence and ads 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.
DIGI by bank bjb holds the better App Store score, 3.0 against 1.7. Both are backed by a comparable volume of ratings — 4 and 11 respectively. Written reviews point the same way: 29% of DIGI by bank bjb's written reviews are positive against 15% of POSPAY's.
Both ship on a similar rhythm, roughly every 2 months. The most recent releases landed on November 1, 2026 and November 7, 2026 respectively.
| Parameter | DIGI by bank bjb | POSPAY |
|---|---|---|
| Price | Free | Free |
| Rating | 3.0 (4 ratings) — better | 1.7 (11 ratings) |
| Positive reviews | 28.8% of reviews — better | 15.3% of reviews |
| Number of ratings | 4 | 11 — better |
| Update frequency | Every 2 months | Every 2 months |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod | iPhone, iPad, iPod — better |
| Requires iOS | 13.0 — better | 14.0 |
| Further details — not scored | ||
| Size | 68 MB | 129 MB |
| Age rating | 4+ | 4+ |
| Developer | BANK PEMBANGUNAN DAERAH JAWA BARAT & BANTEN, PT TBK | PT. Pos Indonesia (Persero) |
Customer experience
DIGI by bank bjb
POSPAY
In-app purchases
DIGI by bank bjb
No in-app purchases
POSPAY
No in-app purchases









