Best Kredit Pintar Apps

248+ iOS apps curated and reviewed

4.5 avg rating
20 free apps
Updated September 2026

Out of 248+ kredit pintar apps on iOS, 20 are free and the rest sit in the paid tier. This page sorts them so you can compare both sides before you commit.

Compare top Kredit Pintar Apps (September 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1GoPay: Transfer, Payment, QRISGoPay: Transfer, Payment, QRISFree4.7★ (683)NoNoSep 2026
2AsetKu - Digital LendingAsetKu - Digital LendingFree4.6★ (17)NoNoSep 2026
3DANA Dompet Digital IndonesiaDANA Dompet Digital IndonesiaFree4.8★ (7.2K)NoNoSep 2026
4neobank by BNC Digitalneobank by BNC DigitalFree4.0★ (20)NoNoAug 2026
5MariBank PH (SeaBank)MariBank PH (SeaBank)Free4.9★ (1.6K)NoNoSep 2026
6Bank Jago/Jago SyariahBank Jago/Jago SyariahFree4.8★ (283)NoNoSep 2026
7JeniusJeniusFree3.5★ (124)NoNoSep 2026
8ValipikValipikFreeNoAug 2026

Top Picks for Kredit Pintar

GoPay: Transfer, Payment, QRIS#1

GoPay: Transfer, Payment, QRIS by PT. GOTO GOJEK TOKOPEDIA TBK

Free Transfer & QRIS Payments
Editor's Choice
💰 Finance
4.7😐(683 ratings)
Free
GoPay: Transfer, Payment, QRIS screenshot 1
GoPay: Transfer, Payment, QRIS screenshot 2
GoPay: Transfer, Payment, QRIS screenshot 3
GoPay: Transfer, Payment, QRIS screenshot 4
GoPay: Transfer, Payment, QRIS screenshot 5
GoPay: Transfer, Payment, QRIS screenshot 6

This app facilitates easy money transfers, bill payments, and online transactions. Users can top up mobile credit, pay for services like electricity and streaming, and make purchases on various e-commerce platforms. It also offers features for gaming top-ups, savings, and loans.

What We Love

  • 👍 Easy to use and intuitive interface
  • 🚀 Fast and convenient payment processing
  • 💳 Versatile payment options (QRIS, bills, pulses, etc.)
  • 💰 Useful rewards and cashback system
  • 🌍 Convenient for frequent travelers to Indonesia
  • 📊 Good expense management features
  • ✅ Reliable bank-to-bank transfers

Room to Improve

  • 🐛 Top-up frequently fails without clear reasons
  • 🐛 Transfer and payment transactions often fail
  • ❌ Poor customer support (mostly automated responses)
  • 🔒 Inconsistent identity verification requirements
  • 😞 Difficult account closure process
  • 🌐 Not user-friendly for foreign passport holders
  • 📱 Bloated interface with too many features
  • 🔌 Compatibility issues with certain credit cards (AU, Visa)
  • 😤 Forced upgrade to GoPay Plus for basic functionality
  • 🚫 Cannot withdraw funds when abroad
  • 🎯 Confusing and unclear setup process
  • ⚠️ Stuck funds with no resolution path
DANA Dompet Digital Indonesia#3

DANA Dompet Digital Indonesia by ESPAY DEBIT INDONESIA KOE, PT

Easy Topup, Send Money, QRIS
Worth Considering
💰 Finance
4.8😞(7.2K ratings)
Free
DANA Dompet Digital Indonesia screenshot 1
DANA Dompet Digital Indonesia screenshot 2
DANA Dompet Digital Indonesia screenshot 3
DANA Dompet Digital Indonesia screenshot 4
DANA Dompet Digital Indonesia screenshot 5
DANA Dompet Digital Indonesia screenshot 6

This app facilitates cashless and card-less transactions, allowing users to scan QRIS codes, send money to various bank accounts, and top up e-wallet balances. It also supports saving bank cards for seamless payments and managing mobile recharges and bill payments securely.

What We Love

  • 💰 Affordable and great value
  • 🚀 Fast and simple transactions
  • 🤑 Lots of discounts and promotions
  • 👍 Easy to use and convenient
  • 💳 Seamless integration with bank accounts

Room to Improve

  • 🐛 Buggy and unreliable app performance
  • 🤖 Poor customer service and unresponsive support
  • 🔒 Security and verification issues
  • 💸 Unauthorized transactions and missing funds
  • 🤷‍♀️ Confusing and unintuitive user experience

More Kredit Pintar apps to explore

FAQ about Kredit Pintar

What are the best kredit pintar apps for iPhone?
GoPay: Transfer, Payment, QRIS tops our kredit pintar apps ranking as of September 2026, with a 4.7-star average from 683 App Store ratings, and it's free to download.
Yes — 20 of the top kredit pintar apps we rank are free to download, including GoPay: Transfer, Payment, QRIS and AsetKu - Digital Lending.
GoPay: Transfer, Payment, QRIS has no ads and has no in-app purchases, according to its App Store listing as of September 2026.
We track 248+ kredit pintar apps on the iOS App Store as of September 2026, ranked by rating, recency, and analysis of real user reviews.
This app allows you to perform various financial transactions. You can transfer money to other users and banks for free, top up your mobile credit and data packages, pay for utilities like electricity and water, and settle bills for services like BPJS. It also supports payments for online shopping, ride-hailing services, and cinema tickets.
You can pay for transactions using QRIS codes by scanning them within the app. This feature often comes with benefits like GoPay Coins cashback through QRIS Unlimited. It also supports cross-border payments and tap-to-pay for transportation.