Comparison

DIGI by bank bjb vs POSPAY

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

Head to head
About

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.

Highlights
  • Real-time e-banking transactions
  • Interactive menu icons
  • Balance inquiry
  • Mini statement
  • Bill payments
  • Interbank transfers
  • Mobile credit purchases
Features
Read full description

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

About

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.

Highlights
  • Bill payment for utilities and loans
  • Instant money transfers
  • Giropos account management
  • QR code payments
  • Financial planning tools
Features
Read full description

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

DIGI by bank bjb4 screens
POSPAY4 screens

Verdict

The call

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

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

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.

UpkeepUpdate frequency

Both ship on a similar rhythm, roughly every 2 months. The most recent releases landed on November 1, 2026 and November 7, 2026 respectively.

Scorecard2 real differences · 8 level
DIGI by bank bjb versus POSPAY: the parameters behind the verdict, then further details
ParameterDIGI by bank bjbPOSPAY
PriceFreeFree
Rating3.0 (4 ratings) — better1.7 (11 ratings)
Positive reviews28.8% of reviews — better15.3% of reviews
Number of ratings411 — better
Update frequencyEvery 2 monthsEvery 2 months
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPodiPhone, iPad, iPod — better
Requires iOS13.0 — better14.0
Further details — not scored
Size68 MB129 MB
Age rating4+4+
DeveloperBANK PEMBANGUNAN DAERAH JAWA BARAT & BANTEN, PT TBKPT. Pos Indonesia (Persero)

Customer experience

DIGI by bank bjb

All ratings4 ratings
Positive50.0%
Neutral0.0%
Negative50.0%
Written reviews52 reviews
Positive28.8%
Neutral13.5%
Negative57.7%

POSPAY

All ratings11 ratings
Positive18.2%
Neutral0.0%
Negative81.8%
Written reviews59 reviews
Positive15.3%
Neutral3.4%
Negative81.4%

In-app purchases

None

DIGI by bank bjb

No in-app purchases

None

POSPAY

No in-app purchases

Questions

Is DIGI by bank bjb free?
DIGI by bank bjb is free to download, with no in-app purchases.
Is POSPAY free?
POSPAY is free to download, with no in-app purchases.
Which has better reviews, DIGI by bank bjb or POSPAY?
DIGI by bank bjb is rated higher. DIGI by bank bjb averages 3.0 out of 5 from 4 ratings, while POSPAY averages 1.7 from 11 ratings.
Do DIGI by bank bjb or POSPAY have ads?
Neither DIGI by bank bjb nor POSPAY shows ads.
Which is updated more often, DIGI by bank bjb or POSPAY?
DIGI by bank bjb ships an update every 2 months, and POSPAY every 2 months. Most recently, DIGI by bank bjb was updated on November 1, 2026 and POSPAY on November 7, 2026.

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