Best Karvelo Pulsa Apps

250+ iOS apps curated and reviewed

4.2 avg rating
20 free apps
Updated July 2026

Finding the right karvelo pulsa apps can be overwhelming with so many options. We've analyzed 250+ apps to bring you the best choices for 2026, from free options to premium solutions with advanced features.

Compare top Karvelo Pulsa Apps (July 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1Karvelo PulsaKarvelo PulsaFree1.0★ (1)NoNoMay 2026
2Agen Pulsa Murah - iPulsaAgen Pulsa Murah - iPulsaFreeNoNoJun 2026
3Klarna: Smarter everyday moneyKlarna: Smarter everyday moneyFree4.9★ (2.3M)YesNoAug 2026
4AsetKu - Digital LendingAsetKu - Digital LendingFree4.6★ (17)NoNoJul 2026
5PayPal - Pay, Send, SavePayPal - Pay, Send, SaveFree4.8★ (6.3M)YesNoAug 2026
6Square Point of Sale (POS)Square Point of Sale (POS)Free4.8★ (604K)NoNoAug 2026
7Sniflis: Rangka BabakSniflis: Rangka BabakFree5.0★ (5)NoNoAug 2026
8Akulaku MerchantAkulaku MerchantFreeNoNoAug 2026

Top Picks for Karvelo Pulsa

Karvelo Pulsa#1

Karvelo Pulsa by PT ARTHA JAYA WISATA

Editor's Choice
🌟 Lifestyle
1.0(1 ratings)
Free
Karvelo Pulsa screenshot 1
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Karvelo Pulsa screenshot 3
Karvelo Pulsa screenshot 4
Karvelo Pulsa screenshot 5
Karvelo Pulsa screenshot 6

This app allows users to top up phone credit, data packages, and pay various bills like electricity, water, and BPJS at competitive prices. It also offers opportunities to become an agent, earn commissions, and manage sales and debt records.

Klarna: Smarter everyday money#3

Klarna: Smarter everyday money by Klarna Bank AB

Cashback, payments, savings
Worth Considering
💰 Finance
4.9😞(2.3M ratings)
FreeAds
#10in Finance
Klarna: Smarter everyday money screenshot 1
Klarna: Smarter everyday money screenshot 2
Klarna: Smarter everyday money screenshot 3
Klarna: Smarter everyday money screenshot 4
Klarna: Smarter everyday money screenshot 5
Klarna: Smarter everyday money screenshot 6

Shop anywhere with flexible payment options, including interest-free installments and pay-in-30-days. Earn cashback, compare prices, track deliveries, and manage returns easily. Also offers mobile phone service.

What We Love

  • 💳 Easy payment process
  • 📦 Wide range of stores
  • 🕰️ Flexible payment plans
  • 🔍 Convenient for large purchases

Room to Improve

  • 🚫 Inconsistent approval process
  • ⚠️ Lack of Apple Wallet integration
  • 🤖 Automated decision-making issues

More Karvelo Pulsa apps to explore

4
AsetKu - Digital Lending
AsetKu - Digital Lending
AsetKu - Digital Lending
Licensed and supervised by OJK
Free

This platform offers secure, digital lending services with flexible loan options and transparent costs. It provides a user-friendly experience for borrowing money anytime, anywhere, without requiring collateral. All operations are licensed and supervised by OJK.

Collateral-free loansFlexible loan amounts (Rp 150,000 - Rp 15,000,000)Repayment terms (91-365 days)
💰 Finance
(17)
free
5
PayPal - Pay, Send, Save
PayPal - Pay, Send, Save
PayPal - Pay, Send, Save
Debit card, savings, pay later
Free

Manage your finances with a secure app for online and in-store shopping, sending money globally, and earning cash back. It also offers savings accounts, cryptocurrency trading, and package tracking.

Send and receive money globallyEarn cash back offersRequest a debit card
💰 Finance
(6.3M)
free with in-app purchases
6
Square Point of Sale (POS)
Square Point of Sale (POS)
Square Point of Sale (POS)
Payments & Business Dashboard
Free

This all-in-one payments processing app helps businesses of all types manage operations, accept payments, and boost profits. It offers industry-specific modes for retail, restaurants, services, and beauty businesses, with features like inventory management, online booking, and invoicing.

Accept all major payment typesIndustry-specific business modesInventory management
💼 Business
(604K)
free with in-app purchases
7
Sniflis: Rangka Babak
Sniflis: Rangka Babak
Sniflis: Rangka Babak
Peta cerita tanpa pusing
Free

This app helps you plan short story sequences without complex tools. It guides you through creating scenes with emotional tones, actions, and images, providing real-time feedback on pacing and length. Generate variations for different platforms and compare results to ensure optimal flow.

Create new story projectsAdd emotional tones and scene detailsInclude action and image prompts
🎨 Graphics & Design
(5)
free
8
Akulaku Merchant
Akulaku Merchant
Akulaku Merchant
Bisnis di Satu Genggaman
Free
💼 Business
(0)
9
Asiacell
Asiacell
Asiacell
Recharge, offers and rewards
Free

Manage your mobile account, recharge your balance, and explore exclusive offers. Access tailored promotions, rewards from partner brands, and convenient online shopping for numbers, SIMs, or devices. Get 24/7 customer support and manage your data, voice, and SMS plans with ease.

Account balance and subscription managementQR code and online bill paymentBalance transfer to friends and family
💼 Business
(202K)
free with in-app purchases
10
PhonePe: Secure Payments App
PhonePe: Secure Payments App
PhonePe: Secure Payments App
UPI, Bills, FASTag, Recharge
Free

This app facilitates secure digital payments, including UPI transfers, mobile and utility bill recharges, and online/offline purchases. It also offers investment options in mutual funds and insurance policies.

BHIM UPI money transfersMobile and DTH rechargesUtility bill payments
💰 Finance
(167K)
free with in-app purchases
11
Mobile JKN
Mobile JKN
Mobile JKN
Mobile JKN
Free

Access comprehensive information about the National Health Insurance program and manage your participation. Easily find details on your membership, healthcare facilities, and contribution payments. The app also facilitates new participant registration and provides timely bill notifications.

View JKN program informationSearch participant dataFind healthcare facility locations
🏥 Medical
(864)
free
12
Superbank: Save, Borrow, Grow
Superbank: Save, Borrow, Grow
Superbank: Save, Borrow, Grow
Rewarding,safe,simple savings!
Free

This banking app offers rewarding savings accounts, easy loan access, and convenient QRIS payments. Enjoy no admin fees and free transfers, with competitive interest rates on deposits and savings. It provides a secure and transparent digital banking experience.

High-yield savings and deposit accountsQRIS paymentsFree transfers
💰 Finance
(8)
ad-supported
13
Paytm: Secure UPI Payments
Paytm: Secure UPI Payments
Paytm: Secure UPI Payments
UPI, Recharge & Pay Bills
Free

This app offers secure and private UPI payments, bill recharges, and online shopping. It provides features like personalized UPI IDs, international payments, and spend analytics for users in India and abroad.

Secure UPI paymentsInternational UPI paymentsMobile and DTH recharges
💰 Finance
(39K)
free with in-app purchases
14
BayarWifi
BayarWifi
BayarWifi
Bayar & Kelola Internet WiFi
Free
🔧 Utilities
(0)
15
mystc KSA
mystc KSA
mystc KSA
An app.. takes you further
Free

Manage all your mobile and home internet services, shop for devices and vouchers, and get instant customer support. It offers solutions for both stc customers and non-customers, with features like number porting, bill payments, and roaming package subscriptions.

Manage numbers and servicesShop for devices and vouchersOrder new numbers and SIMs
🔧 Utilities
(82K)
free with in-app purchases
16
Naik mobile ver 2.0
Naik mobile ver 2.0
Naik mobile ver 2.0
by NONGHYUP KORINDO SEKURITAS, PT
Free

Invest in the stock market with ease and enjoyment. Open an account online, manage your portfolio, and monitor market trends all from your mobile device. Features like one-page reviews and personalized menus make investing accessible for everyone.

Online account openingPortfolio monitoringMarket analysis
💰 Finance
(0)
free
17
ATOMA STORE
ATOMA STORE
ATOMA STORE
Internet, top up & self care
Free

Manage your mobile services with greater control. Access service requests, promotions, offers, and account management features directly through the app, eliminating the need to contact company representatives for a more convenient experience.

Service requestsPromotions and offersAccount management
📊 Productivity
(15)
free
18
POSPAY
POSPAY
POSPAY
Transaksi Keuangan Lebih Mudah
Free

This app provides mobile access to financial services and transactions for Giropos account holders. It allows for bill payments, money transfers, financial management, and QR code payments. It extends the reach of PT Pos Indonesia's extensive service network.

Bill payment for utilities, installments, and moreInstant money transfers via Weselpos InstanGiropos account management
💰 Finance
(11)
free with in-app purchases
19
Balifiber
Balifiber
Balifiber
by BALI TOWERINDO SENTRA, PT TBK
Free

This app provides internet, cable TV, and cloud services for homes and offices in Indonesia. It offers various internet packages with different speeds and prices, supported by fast after-sales service.

Internet servicesCable TV servicesCloud services
💼 Business
(0)
free
20
monobank — digital mobile bank
monobank — digital mobile bank
monobank — digital mobile bank
Add card to wallet & pay, easy
Free

This digital bank offers rapid account registration and a free virtual card, with options for physical card delivery. It provides features like credit limits, currency exchange, installment plans, and group expense splitting, alongside tools for fundraising and savings.

Fast registration via DiiaFree virtual and physical cardsIncreased credit limit
💰 Finance
(17K)
free

FAQ about Karvelo Pulsa

What are the best karvelo pulsa apps for iPhone?
Karvelo Pulsa tops our karvelo pulsa apps ranking as of July 2026, with a 1.0-star average from 1 App Store ratings, and it's free to download.
Yes — 20 of the top karvelo pulsa apps we rank are free to download, including Karvelo Pulsa and Agen Pulsa Murah - iPulsa.
Karvelo Pulsa has no ads and has no in-app purchases, according to its App Store listing as of July 2026.
We track 250+ karvelo pulsa apps on the iOS App Store as of July 2026, ranked by rating, recency, and analysis of real user reviews.
Karvelo Pulsa allows you to top up phone credit, data packages, pay bills such as electricity, water, and BPJS, and even become a sales agent to earn commissions. You can also manage sales and debt records within the app.
You can earn money by becoming a Karvelo Pulsa agent. This involves selling credit and paying bills, and you can also recruit referral agents to increase your commission opportunities. Special promotions and rewards are also available for loyal agents.