Comparison

BNI Experience vs OVO

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

Head to head
About

BNI Experience

This app helps you manage your finances by locating nearby ATMs and branches. Discover exclusive promotions, discounts, and surprise gifts from partner merchants. Enjoy convenient banking services anytime, anywhere.

Highlights
  • Find nearest ATMs and branches
  • Discover BNI merchant promotions and discounts
  • Access surprise gifts via Coupon feature
  • Experience anytime, anywhere banking
  • BNI Internet Banking integration
Read full description

BNI Experience is your everyday life companion that makes your life easier! It allows you to find nearest ATM and Branch for fulfilling your financial service needs. You won't missed any benefit as BNI customer because it also let you know many promotions and discount from BNI merchants. What's more? BNI will give you many surprise gifts from "Coupon" feature that enable you to get many benefits from various merchants. You can also experiencing "anytime, anywhere banking" through BNI Internet Banking feature. Enjoy your life experience with BNI experience!

About

OVO

This all-in-one app simplifies payments and savings for everyday needs and online shopping. Enjoy secure, fast transactions with numerous rewards, including cashback and discounts. Upgrade to access exclusive deals and bonus points.

Highlights
  • Secure and fast mobile payments
  • Cashback on transactions
  • Exclusive discounts and deals
  • Bill payment options
  • Savings account features
  • Welcome treats for new users
Read full description

Indonesia’s all-in-one app: Pay and Save with ease From the local market to your favorite online stores, from daily essentials to special treats, OVO fits for everyone. Whether you’re paying, shopping, or saving, OVO makes it easy and rewarding. Say goodbye to carrying cash. OVO let you handle your daily needs from your phone, securely, quickly, and with plenty of perks. Wanna see what’s in it for you? Welcome treats for new users > First top-up = zero admin fees. > Cashback up to 20.000 OVO Points (min. total transaction Rp30.000) Upgrade to OVO Nabung and enjoy more > Claim 10.000 OVO Points bonus (T&C applied). > Up to 99% off at Hokben, D’Crepes, Solaria, Alfagift, MyTelkomsel, and more. > GrabFood 75% discount up to Rp50.000. Deals that follow you everywhere > Online shopping? Cashback up to Rp1.000.000 is ready. > Cashback up to 500.000 for groceries, foods, gas station, and more. Pay your bills with Harga Jongkok > PLN token Rp10.000 for only Rp8.888. > Cashback up to 3% (max 50.000 OVO Points) for bill payments (min. Rp25.000). > Pay SBN investments and get 1% cashback (max 100.000 OVO Points). Download OVO now and unlock a simpler way to pay, save, and enjoy life, plus a bunch of deals you don’t want to miss. Instagram.com/ovo_id www.ovo.id

Screenshots

BNI Experience3 screens
OVO4 screens

Verdict

The call

The clearest difference is monetization model: BNI Experience at free against OVO's free with in-app purchases. BNI Experience also leads on iOS requirement (12.0 vs 15.0). On price, review sentiment, 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.

UpkeepUpdate frequency

Both ship on a similar rhythm, roughly fortnightly. The most recent releases landed on November 1, 2026 and October 22, 2026 respectively.

Scorecard2 real differences · 8 level
BNI Experience versus OVO: the parameters behind the verdict, then further details
ParameterBNI ExperienceOVO
PriceFreeFree
Rating—3.9 (329 ratings) — better
Positive reviews30.0% of reviews31.3% of reviews — better
Number of ratings—329 — better
Update frequencyFortnightlyFortnightly
AdsNoNo
In-app purchasesNoNo
MonetizationFree — betterFree with in-app purchases
DevicesiPhone, iPodiPhone, iPod
Requires iOS12.0 — better15.0
Further details — not scored
Size20 MB101 MB
Age rating4+17+
DeveloperPT. BANK NEGARA INDONESIA (PERSERO) TBK.Visionet Internasional, Pt

Customer experience

BNI Experience

Written reviews40 reviews
Positive30.0%
Neutral10.0%
Negative60.0%

OVO

All ratings329 ratings
Positive71.4%
Neutral2.1%
Negative26.4%
Written reviews227 reviews
Positive31.3%
Neutral6.6%
Negative62.1%

Bugs and requests

BNI Experience

Not enough reviews yet to summarise bugs or requests.

OVO

Reported bugs

4 issues
  • Inability to change language to English
  • Stuck transactions not resolved
  • Inconsistent app behavior
  • Delayed or missing top-up credits

Requested features

4 requests
  • Add English language option
  • Improve account closure process
  • Enhance security and privacy measures
  • Streamline transaction processing

In-app purchases

None

BNI Experience

No in-app purchases

None

OVO

No in-app purchases

Questions

Is BNI Experience free?
BNI Experience is free to download, with no in-app purchases.
Is OVO free?
OVO is free to download, with no in-app purchases.
Do BNI Experience or OVO have ads?
Neither BNI Experience nor OVO shows ads.
Which is updated more often, BNI Experience or OVO?
BNI Experience ships an update fortnightly, and OVO fortnightly. Most recently, BNI Experience was updated on November 1, 2026 and OVO on October 22, 2026.

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