SimobiPlus vs Raya
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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
Read full descriptionHide 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
Raya
Manage personal and business finances easily with a digital bank account. Open an account in minutes with no initial deposit or monthly fees. Features include budgeting tools, savings goals, and loans up to Rp25 million.
- Open account in 4 minutes
- No monthly admin fees
- No minimum balance
- Budgeting and savings tools
- Personal and business finance separation
- Loans up to Rp25 million
- Cash deposit at BRI locations
Read full descriptionHide full description
Bank digital pilihan untuk kelola keuangan personal dan bisnis dalam satu akun. Sebagai bagian dari BRI Group, Raya siap bantu kamu kelola keuangan dengan mudah, aman, dan nyaman setiap harinya. Apa keuntungan pakai Raya? Di Raya, nabungnya bebas biaya Buka rekening lewat HP, hanya 4 menit Gratis biaya admin bulanan Bebas setoran awal dan tanpa minimal saldo Praktis penuhi berbagai kebutuhan Ada Saku Raya buat atur keuangan, mulai dari bujetin bulanan, nabung wujudin impian, sampai nabung bareng hingga 100 kawan Mudah pisahin keuangan personal dan bisnis dalam satu aplikasi Pinjaman hingga Rp25 juta di Pinang Flexi, khusus buat kamu yang gajian lewat Raya atau BRI. Aksesnya luas di seluruh Indonesia Ada 25 Community Branch Raya tersebar di Indonesia Setor tunai di Kantor Bank BRI, Agen BRILink dan Community Branch Raya Tarik tunai di Indomaret, ATM BRI, Agen BRILink dan Community Branch Raya Transaksi aman bikin nyaman Smart login, cepat dan aman dengan sidik jari atau scan wajah. Fitur Ekstra Pengamanan untuk transaksi nominal besar. Keamanan berlapis menggunakan kode OTP dan verifikasi wajah. Dapatkan juga cashback, voucher, dan berbagai misi seru hanya untukmu. Tunggu apalagi, mulai #RayakanKemudahan bersama Raya! #BankDigitalPilihanmu #BebasinBarengRaya Untuk informasi lebih lengkap, hubungi Sapa Raya di: Contact Center: 1500 494 WhatsApp: 081210000494 Instagram: @bankraya PT Bank Raya Indonesia Tbk. Gedung Menara BRILiaN Jl. Gatot Subroto No. 177A, Kel No.RT 009/01, Menteng Dalam, Tebet, Jakarta Selatan, Jakarta 12870.
Screenshots
Verdict
The clearest difference is rating: Raya at 5.0 against SimobiPlus's 4.1. SimobiPlus's advantage is update cadence (every 10 days vs every 5 weeks) and ratings volume (31 vs 1). 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.
Raya holds the better App Store score, 5.0 against 4.1. That said, the two scores are not equally well evidenced: SimobiPlus has 31 ratings behind it against 1, so its average is the more settled of the two.
SimobiPlus ships an update every 10 days, Raya every 5 weeks. The most recent releases landed on November 1, 2026 and November 3, 2026 respectively.
| Parameter | SimobiPlus | Raya |
|---|---|---|
| Price | Free | Free |
| Rating | 4.1 (31 ratings) | 5.0 (1 ratings) — better |
| Positive reviews | 76.3% of reviews | — |
| Number of ratings | 31 — better | 1 |
| Update frequency | Every 10 days — better | Every 5 weeks |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod — better | iPhone, iPad |
| Requires iOS | 15.5 — better | 16.6 |
| Further details — not scored | ||
| Size | 210 MB | 200 MB |
| Age rating | 4+ | 4+ |
| Developer | Bank Sinarmas | PT. Bank Raya Indonesia, Tbk. |
In-app purchases
SimobiPlus
No in-app purchases
Raya
No in-app purchases
