BNI Experience vs OVO
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- 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
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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!
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.
- Secure and fast mobile payments
- Cashback on transactions
- Exclusive discounts and deals
- Bill payment options
- Savings account features
- Welcome treats for new users
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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
Verdict
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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
Both ship on a similar rhythm, roughly fortnightly. The most recent releases landed on November 1, 2026 and October 22, 2026 respectively.
| Parameter | BNI Experience | OVO |
|---|---|---|
| Price | Free | Free |
| Rating | — | 3.9 (329 ratings) — better |
| Positive reviews | 30.0% of reviews | 31.3% of reviews — better |
| Number of ratings | — | 329 — better |
| Update frequency | Fortnightly | Fortnightly |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free — better | Free with in-app purchases |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 12.0 — better | 15.0 |
| Further details — not scored | ||
| Size | 20 MB | 101 MB |
| Age rating | 4+ | 17+ |
| Developer | PT. BANK NEGARA INDONESIA (PERSERO) TBK. | Visionet Internasional, Pt |
Customer experience
BNI Experience
OVO
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
BNI Experience
No in-app purchases
OVO
No in-app purchases









