Perbandingan Digital Banking Terbaik
Review ini ditulis pertama kali pada 3 Juli 2019 dan diperbaharui terakhir tanggal 10 Maret 2021.
Review ini tidak membahas setiap produk secara mendetail melainkan memberikan gambaran cepat tentang kelebihan, kekurangan, serta rekomendasi penggunaan berdasarkan pengalaman saya.
Tidak mencakup produk uang elektronik seperti OVO, Gopay, Linkaja, dan DANA karena mereka bukan merupakan tabungan, dan tidak membahas m-banking dari bank konvensional karena tidak memenuhi syarat sebagai digital banking
Definisi Digital Banking
Sebelum masuk ke perbandingan, penting bahwa kita mendefinisikan “Digital Banking” terlebih dahulu, agar tidak disamakan dengan mobile banking yang sudah ada lebih dahulu.
M-banking (singkatan dari mobile banking) adalah suatu layanan yang diberikan perbankan kepada nasabah dalam bentuk aplikasi ponsel pintar yang bisa mengelola rekening tabungan sang nasabah. Contohnya, BCA Mobile, Mandiri Online.
Sedangkan digital banking adalah konsep baru yang seringkali disebut juga “branchless banking”, alias produk tabungan tanpa cabang fisik. Pembukaan rekening, administrasi, semua dilakukan secara online tanpa perlu kunjungan ke suatu cabang. Digital banking di Indonesia memang membingungkan karena mereka dibuat secara terpisah oleh kelompok bank yang sebelumnya sudah beroperasional secara konvensional, misalnya bank BTPN membuat Jenius, dan DBS membuat Digibank.
Untuk itu, produk SIMOBIPLUS telah dihapus dari halaman ini, karena berdasarkan pengalaman saya pembukaan rekeningnya harus tetap datang ke cabang sehingga tidak lolos menjadi digital banking
Daftar Menu:
Jenius
Informasi Singkat
Merupakan produk digital bank BTPN, bisa dibilang digital banking paling pertama di Indonesia, sudah saya coba semenjak mereka launching bahkan sampai pernah berdiskusi dengan tim mereka. Jenius memiliki komunitas yang kuat, meskipun saat ini banyak yang pindah hati dari Jenius sejak mereka memberlakukan berbagai macam fee yang tidak penting.
Keunggulan Utama:
- Flexi Saver memberikan bunga setara deposito dengan fleksibilitas luar biasa.
- Tersedia layanan pembelian valuta asing meskipun pilihannya terbatas.
- Mendapatkan 4 kartu sekaligus yang bisa digunakan untuk berbagai perencanaan keuangan
- Bisa diakses melalui desktop maupun aplikasi.
- Tersedia pinjaman uang instant mirip pinjol
- Komunitas nasabah Jenius yang aktif dan edukatif.
- Tidak ada penalty pencairan deposito.
- Menyediakan akun bisnis dan personal, cocok untuk pelaku usaha mikro
Kekurangan:
- Transfer gratis dan ambil uang gratis tergantung pada saldo rata-rata bulan sebelumnya.
- Promo dan pelayanan yang semakin lama semakin buruk.
- Butuh konektifitas internet yang kuat, sering macet aplikasinya.
- Tidak ada fasilitas kartu kredit.
- Memberlakukan biaya admin dan biaya ‘gagal bayar’ di E-card mereka
Paling cocok digunakan untuk:
- Manajemen finansial (baca artikel ini).
- Investasi ‘deposito‘ fleksibel (melalui Flexi Saver).
- Transaksi subscription dan website luar negeri, karena keamanan dana bisa dikontrol dengan E-card . E-card membantu menghindari charge yang tidak diinginkan karena saldonya bisa kita kosongkan.
Komentar saya
Meskipun makin lama makin jelek (maklum sudah punya banyak pengguna, masa bakar duitnya sudah habis), nyatanya Jenius tetap menjadi pilihan terbaik untuk digital banking karena fiturnya yang paling lengkap dan tepat sasaran, alias Jenius got it right daridulu sampai sekarang, meskipun ada harga yang harus dibayar oleh pengguna.
Digibank
Informasi Singkat
Digital banking kedua yang menyusul Jenius, dibuat oleh bank DBS. Sebelum masuk Indonesia sudah ada di negara-negara tetangga. Menjadi saingan bebuyutan Jenius.
Keunggulan Utama:
- Gratis transfer melalui aplikasi sepuasnya selama saldo rata-rata diatas 1 juta
- Gratis tarik tunai di ATM apapun selama saldo rata-rata diatas 1 juta
- Sering menawarkan cashback pembukaan deposito.
- Menyediakan fasilitas kartu kredit.
- Bisa transfer valas antar negara tanpa biaya.
- Terintegrasi dengan layanan beli reksadana dan obligasi negara
Kekurangan:
- Bunga depositonya bisa kalah daripada Flexi Saver Jenius sehingga tidak menarik sama sekali.
- Interface aplikasi yang sering macet dan bermasalah.
- Penalty pencairan deposito sangat tinggi.
- Mengenakan biaya topup e wallet
Paling cocok digunakan untuk:
- Membuat banyak transfer antar bank.
- Penarikan di ATM apapun
- Transfer valuta asing.
Komentar saya
Rekening digibank saya saat ini dalam kondisi pasif, jarang digunakan, dan hanya saya gunakan bila ada undangan promosi buka deposito berhadiah cashback. Digibank saat ini malah unggul di promosi kartu kredit mereka.
PermataME
Informasi Singkat
Salah satu produk Bank Permata. Sekarang nama aplikasinya berganti menjadi PermataMobileX. Saya akan menilai PermataME secara spesifik, bukan produk tabungan lain yang ditawarkan di PermataMobileX. Meskipun produk ini berasal dari bank konvensional, namun lolos kriteria digital banking karena bisa membuka rekening hanya dengan melalui video call.
Keunggulan Utama:
- Cashback bertubi-tubi untuk transportasi, belanja online, dan ngopi-nonton.
- Gratis tarik tunai di ATM apapun selama ada saldo mengendap minimal Rp1 juta.
- Aplikasi terintegrasi untuk layanan investasi reksadana, obligasi, dan asuransi
- Bisa membuka berbagai macam jenis tabungan lain dan kartu kreddit dari satu aplikasi,
Kekurangan:
- Perlu saldo mengendap lumayan tinggi untuk bisa menikmati seluruh manfaatnya secara maksimal (saran saya Rp6 juta).
- Pengaktifan layanan investasi membutuhkan tatap muka di cabang
- Prosesnya cukup ribet jika lupa password atau user ID, bisa buang pulsa lumayan banyak untuk OTP berkali-kali
Paling cocok digunakan untuk:
- Menggabungkan promo belanja online (baca artikel ini).
- Pembayaran ngopi, nonton, dan transportasi online.
Komentar saya
Saya selalu membawa kartu debit permatame kemanapun untuk menggantikan kartu Digibank dan Jenius yang dulu saya bawa bersamaan, karena saya jadi bisa menarik uang tunai di ATM apapun secara gratis. Sayangnya cashback Permatame semakin sedikit dari hari ke hari.
NYALA
Informasi Singkat:
Digital Banking terbaru dari OCBC NISP. Produk “NYALA” yang dibahas disini adalah NYALA BASIC (bukan NYALA INDIVIDU)
Keunggulan Utama:
- Menyediakan 12 mata uang, mengalahkan Digibank!
- Terintegrasi dengan layanan beli reksadana
- Hadiah yang menarik untuk nasabah baru karena sekarang dalam masa bakar uang
- Mendapatkan dua kartu debit sekaligus yaitu Debit Mastercard dan Debit GPN
- Saldo rata-rata cukup 1 juta untuk bisa menikmati berbagai manfaat gratis
Kekurangan:
- Banyak masalah teknis saat pendaftaran dan penggunaan
- Desain aplikasi yang sangat sangat memusingkan dan tidak intuitif
- Proses verifikasi yang aneh yaitu kita harus menunggu panggilan video dari mereka, tidak bisa kita yang menelpon duluan
- Kalau lupa password, reset harus dilakukan lewat ATM OCBC, parah banget!
Paling cocok digunakan untuk
- Orang yang suka mengoleksi atau bertransaksi berbagai valuta asing
Komentar saya
Keunggulan utamanya adalah jumlah valuta asing yang ditawarkan, selebihnya biasa saja. Tersedia review mendetail di halaman ini
TMRW
Meskipun banyak sekali yang minta saya mengulas ini, saya tidak bisa mengulas TMRW karena sampai sekarang saya tidak bisa menggunakan aplikasinya. Saya sudah mencoba dengan segenap raga dan tenaga untuk solusinya, tapi tidak kunjung juga berhasil pakai. Jalan terakhir yang bisa saya tempuh adalah dengan mendatangi cabang UOB secara langsung, tapi saat ini sedang pandemi PSBB.
Jadi silakan baca komentar-komentar dibawah halaman ini yang memuji-muji TMRW, meskipun saya pribadi memiliki pengalaman yang berkebalikan dengan komentar tersebut.
Saya punya nasib buruk dengan UOB karena aplikasi kartu kredit sayapun ditolak 3x berturut-turut meskipun saya memiliki banyak kartu kredit lain dengan pembayaran lancar.
Halo.. saya masih bingung sih perbedaan digital banking dengan m-banking. M-banking berarti bukan termasuk digital banking ya?
Oh ya saya juga pakai jenius, kekurangannya menurut saya di bagian pengiriman kartu e-cardnya, cenderung lama hehe
Halo mbak. Meskipun mirip tapi berbeda. M-banking (singkatan dari mobile banking) adalah suatu layanan yang diberikan perbankan kepada nasabah dalam bentuk aplikasi ponsel pintar yang bisa mengelola rekening tabungan sang nasabah. Contohnya, BCA Mobile, Mandiri Online. Sedangkan digital banking itu konsep baru yang seringkali disebut juga “branchless banking”, alias produk tabungan tanpa cabang fisik. Pembukaan rekening, administrasi, semua dilakukan secara online tanpa perlu kunjungan ke suatu cabang. Digital banking di Indonesia memang membingungkan karena mereka dibuat oleh kelompok bank yang sebelumnya sudah beroperasional secara konvensional, misalnya bank BTPN membuat Jenius, dan DBS membuat Digibank.
nah kalau begini saya baru paham, terima kasih banyak mas. saya suka membaca artikel2 punya mas hehe
Hi Asiaril
I would like to ask you about banks for non-residents, do you know any bank which allows on resident to open a bank account in Indonesia?
thanks in advance
Hi Greg. Ive asked Sinarmas and Mandiri they both can open accounts for foreigner but they both require KITAS and Passport. Sinarmas additionally will also require KIMS and company reference letter. Hope this helps.
I know it’s an old question, but just in case someone else has the same question and google let them here.
In Indonesia a foreigner cannot open a bank account without a residency permit. To open a bank account you a passport and KITAS or passport and KITAP, or a valid WNA KTP.
I believe even Indonesian nationals are supposed to close their accounts if they don’t live in Indonesia anymore. The definition of not living is Indonesia I do not know for Indonesian nationals. The definition for foreigners is if the foreigner leaves Indonesia for more than a year. He will lose his residency status.
The work around is to open a bank account under someone else’s name who legally lives in Indonesia. This work around has its obvious risks. Don’t do this if you don’t trust the person completely.
[…] Topup dompet elektronik bisa terkena biaya transfer antarbank bila anda tidak memiliki digital banking yang mengratiskan transfer […]
Jenius Visa memang terbaik saat ini, ya saya akui
mantap ya pak. tapi coba yang lain juga?
Mau ngasih komentar jg, utk jenius di bulan Februari 2020 ini memang hrus aktivasi lwat online, video call dg CS pusat, tidak bisa lagi lwat bank btpn nya ? dan syangnya sya mendpatkan info ini dari CS BTPN d daerah sy yg kurang attitude dan respectnya ? sya bermslah d aktivasi akun, awal d bilang krena sinyal jelek, pdhal sya sdh cba berbagai sinyal smpe pakai wifi kantor yg cepet download sama upload, krena ttep gak bisa sya cba pakai handphone lain, smpe punya temen saya yg emng udh pnya akun jenius dari lama, ttep ngga bisa aktivasi ? akhirya d sruh k bank, eh jwaban mreka bgitu, ttep d sruh nyari sinyal bagus atau Hp yg menunjang, saya tanya Hp yg menunjang itu yg sperti apa mreka pun ngga tau, hbngi CS pusat jg gak terhubung2 ??spertinya tdk d izinkan gabung dg jenius ???
Waduh parah amat ya kak Wulan. Saya turut kesal lho mendengar cerita kak Wulan. Saya juga baru tau bahwa btpn gabisa bantu aktivasi jenius lagi dan sekarang sepenuhnya lewat video call. Btw kak Wulan domisili mana? Dan apakah sudah coba akses jenius dari komputer?
Saya baru saja buat bisa kok aktivasi langsung lewat BTPN, yang saya malah nggak bisa aktivasi online karena tidak ada identitas tambahan (cuma KTP)
Saya juga gitu mbak. Ada sekitar 25x gagal vidcall saya hahaha (sabar juga). Akhirnya vidcall pake kamera belakang supaya resolusinya bagus. Kayanya mereka gasuka kalo resolusi kamera depan kita rendah mbak, langsung divonis sinyal rusak. Padahal sinyal rusak dari hongkong 😀
hahahah saya baru tau soal ini. Dulu saya ga masalah sih soalnya, trnyata pengaruh dari kamera ya
Baru tau jenius ada kontak line nya. Apa ya. Saya googling dan ke bagian contact us tidak ketemu line nya 🙁
Skrg udah discontinued pak. Dlu beneran ada saya suka chat mereka. Mgkn skrg mreka fokus live chat di app
Wah sayang sekali ya pak padahal line lebih mudah liat history
Sama aja pak lewat app juga bisa liat history.. yang membedakan kontrol manajemen dari sisi backend cs lebih bagus. Contoh customer diem 1 menit auto kick, dll
5 rekeningnya sebelah mana ya kalau Jenius?
Disebelah atas pak
permisi numpang tanya..
kalo perbedaan nyala basic sama individu apa ya kak?
Beda tiering sih. Kalau nyala individu manfaatnya lebih banyak tp saldo mengendapnya juga harus lebih tinggi supaya ga didenda
Mau bantu koreksi mas. PermataME gak ada biaya transfer ke bank lain selama melalui permata mobile x atau permata net. kalau transfer ke bank lain lewat atm kena biaya.
Betul sekali mas. Nanti saya perjelas tulisannya
Hallo Andri, makasih banget infonya dari artikel ini, saya mau mengoreksi saja, kalo PermataME itu transfer Online GRATIS tanpa syarat, termasuk di mesin ATM Permata, meski saat mau transfer ada tulisan biaya transfer, tapi waktu transfer berhasil, ga ada biaya transfer yang kedebet. Soal kartu PermataME yg jelek, bagi saya bagus2 aja sih, soalnya saya suka warna ijo, kartu yg jelek ya jenius, kek penggaris, biasa bgt, Wkwkwk,,
Pak Kristanto saya mau konfirmasi ulang, karena setau saya gratis transfernya hanya di aplikasi dan tidak berlaku di atm. Oh iya pak btw kartu saya warnanya PINK karena generasi pertama. kebetulan adik saya baru buka permatame juga dan warnanya dapet yang hijau, memang betul kalau yang hijau bagus pak.
Tahapan Expresi punyanya BCA tuh mungkin bisa direview juga
Tahapan xpresi tidak termasuk digital banking pak karena sebenarnya juga merupakan produk bank konvensional. Memang betul bisa diakses dan dibuka dr aplikasi smartphone tp layanan dan fiturnya belum 100 persen digital
TMRW yg terbaik bagi saya karena tanpa minimum saldo bisa transfer ke bank manapun di Indonesia gratis. Hanya saja kartu debitnya cuma menggunakan GPN. Mastercard-nya cuma tersedia untuk kartu kredit. Tapi paling bagus jika tabungan online ini dipakai dengan Jenius jika semisal ingin membeli produk menggunakan Visa. Sebab transfer ke Jenius juga gratis
Udah pernah coba TMRW by UOB bro? Menurut saya lumayan bagus sih
Ini saya cerita tidak dilebih lebihkan ya mas. Saya sudah 3 bulan coba daftar TMRW sampe skrg gabisa login. Sudah sampe telpon dan surat suratan dengan UOB ga ada hasil positif juga. Jadi saya resmi menyerah untuk tidak coba dan mengulas TMRW ahaha. Tadinya saya mau samperin cabang UOB langsung tapi males karena sedang PSBB.
kalo menurut saya digital bank terbaik ya TMRW by UOB,
Menurut saya itu malah terburuk kak Endar soalnya sampe sekarang saya aja gaberhasil daftar wkwkw. Btw mgkn bisa dibagikan kak kenapa menurut kak Endar terbaik
Untuk suku bunga hampir sama dengan jenius. Tp yang paling unggul respon live chatnya cepet banget ngasih jawabannya. Trus ada kalanya kita ditelpon langsung untuk menyelesaikan masalah ( bukan kita yng tlpon). Beda dengan jenius yang super duper mahalnya kalau pake kontak telpon k CSnya
Trims informasinya pak
saya pke TMRW, awal2 rilis bener byk yg kena issue secure pin d ga bs login, tp lantas diperbaiki dg cepat, sy daftar awal juni 2020, lancar dan mudah bgt, atm dikirim H+3.. bagus bgt.. support nasabah ga cuma in app live chat, tapi sam call in app… ga ada bank lain kaya dia.. salut
Good on you mas pengalamannya cukup baik. Kalau saya sampai sekarang gabisa pakai.
Terima Kasih Banyak Pak buat ulasannya, lumayan membantu saya yg bingung mau pakai jenius atau permatame,
sama sama, semoga membantu. jangan sungkan bila ada hal lain yang ingin ditanyakan
Saya tadinya anteng anteng aja ya pake jenius, hanya sekali waktu 2 hari yg lalu tgl 6 juli saya wd dr flexy saver 200.000.ketika masuk di dasbord saya langsing beli ovo ada sisakan 50 eh pas malamnua saya liat nol, saya bingung tgl 7 saya chat dijenius help katanya mereka saya harus chat lagi ada pengkinian system, 7 malam saya chat lagi seperti itu juga, akhirnya saya ambil uabg dr flexy saver semuanya 3 juta sekian didasbor menjadi 2.845.ribu sekian dih malesin dwh serem ilangnya gak tanggung tanggung pulahn ribu ketika tanya jenius help lah jawahnya ada pengkinian auto dikeluarin duit sisa pindahin ke bank lain…. Serem bro itu apa ada dikenakan charge pengambilang flexy saver sekaligus?
Halo kak terimakasih sudah mampir dan menceritakan masalahnya. Saya baru dengar kejadian seperti itu. Pengambilan flexy saver sih tidak dikenakan charge kok. Saran saya coba cek statement bulanan deh untuk memastikan uangnya ‘lari’ kemana. Semoga masalahnya cepat selesai ya.
Aku jugaaa ketarik uangnya 180k di Jenius pas tgl 21 agustus, gatau buat apa karena cuma ada tulisan google. Dan karena aku jarang ngecek jd baru ketauan seminggu kemudian:) udah pernah bikin laporan tp biar di proses harus blokir kartu permanen 50k 🙂 mantap kali la duit udah ilang masih diminta tambahan uang
Beberapa hari terakhir saya tidak bisa melakukan tarik tunai menggunakan kartu debit jenius di atm manapun (bersama, link, dll). Saya sudah coba sampaikan keluhan melalui chat, call, email tapi tanggapan dari CS Jenius sangat tidak kooperatif dan sangat slow respond. Akhirnya saya tarik semua dana saya di Jenius.
Daripada pakai Jenius, Lebih baik pakai Bank yang sudah jelas kredibilitasnya dan Help Desk nya punya attitude yang baik.
Jenius dari kemarin sampai hari ini memang bermasalah pak di server mereka, saya juga tidak bisa ngapa ngapain di Jenius
Live chat terbaik ada di TMRW, satu dua detik langsung ada jawaban
Saya mahasiswa, ingin lebih mudah berbelanja online di toko luar negeri (Amazon.com, ebay, Aliexpress ,dll) sama mungkin butuh fitur kredit card juga. Minta sarannya dong kak untuk saya.
Makasih
Sebenarnya untuk keamanan transaksi online, jenius paling ok karena ada fitur ecard yang saldonya bisa dikosongin (sehingga kalaupun dibajak duitnya kosong) tapi ecard ini masuk kategori debit online, dan pengalaman saya debit online ini sering ditolak atau bermasalah di beberapa website.
Sedangkan jenius juga belum ada layanan kartu kredit. Oleh karena itu mungkin bisa coba digibank yang juga menyediakan fitur kartu kredit (namun sistem pengajuan ya, bisa ditolak)
2 hari lalu saya ditelp oleh staff Digibank, katanya dia adalah RM (Relationship Manager) saya.
Padahal saldo saya relatif kecil, bandingkan di bank lain fasilitas RM hanya untuk Nasabah berduit 500 juta ke atas.
Mudah2an dengan ini, kalau ada masalah dengan digibank saya, saya sudah tau harus contact siapa, dan diskusi masalah investasi dan forex juga lebih enak.
Ini kelebihan yang saya dapat dari Digibank dibandingkan dengan platform sejenis.
Mantap banget pak. Saya baru tau juga skrg ada rm. Moga2 saya dicontact jg
Terima kasih atas review nya. Saya jadi lebih paham perbandingan dari para pemain yg ada saat ini. Apalagi, per tahun 2021, BTPN akan memberikan biaya admin Rp10ribu/bulan.
Hehe baru saja saya bahas ini di instagram. Iya betul, jadi boleh mulai lirik2 pemain lain sih
Setuju nih, saya pengguna lama Jenius. Lagi cari tempat telur yg seperti Jenius yg dulu. Sempat buka Digibank tp terkendala verifikasi biometric. Pas ke booth digibank di bandung, saya failed di biometric alesan agent gara2 ektp saya meminta sync biometric menggunakan jari Tengah kiri, dan seringkali tangan kiri gagal. Apalah daya
Skrg lg mau coba tmrw dari uob dan nyala dari ocbc nisp. Review mas Andri sangat informatif sekali. Thq
Yaampun ternyata sampai sekarang digibank masih minta scan jari ya, sungguh sangat merepotkan sekali
Wah artikelnya pasti banyak diserbu nasabah Jenius abis pengumuman adanya feesible kemarin haha.
Btw saya pakai Jenius 2 tahun ini, dan sebetulnya masih nyaman-nyaman saja nyimpen duit di sini. Meskipun untuk top-up dan transaksi kadang masih pakai m-banking BCA, tapi 70% transaksi harian masih di Jenius.
Gegara adanya feesible, akhirnya cari tahu bank digital lainnya dan ketemulah blog ini. Terima kasih review-nya mas Adrian, sepertinya mau coba bikin Digibank setelah ini.
Hehe sepertinya gitu mas. Benar untuk runner up nya saya recommend digibank sih. Tapi saya sepertinya akan tetap aktif di jenius juga, menimbang biaya 10rb tersebut bisa dengan mudah tertutupi bila saldo kita di flexi saver diatas 5 jt. Saya soalnya sangat butuh fitur e card dan x card dari jenius
Betul, sepakat mas. Saya selama ini kebantu banget pake Jenius buat ngiklan di Facebook&Instagram, juga Fitur dream&flexi saver. Tentu masih gak sempurna juga sih, kadang app-nya lemot itu aja problemnya. Tapi secara umum, saya banyak dapet benefit di Jenius.
Keep sharing mas ?
Btw hari ini saya coba buka digibank, ternyata masih manual banget harus ketemu agen di booth atau janjian di kota tertentu. Sedangkan posisi saya di pelosok, kondisi pandemi gini kalo cuma buat buka tabungan harus keluar kota ya enggak dulu deh.
Wah, padahal sudah pingin pake buat inves di rekening ini. Yasudah batal deh wkwkwk
Coba permatame atau tmrw aja, bisa tanpa harus ketemu
Padahal saya baru bikin jenius inni dari bulan oktober 2020 ini tapi pas november 2020 udh ada notiv jenius mau minta fee ke nasabah’a, 10.000 lg lebih mahal dari bca expresi atw britamax yg sudah jelas lebih unggul dari berbagai aspek
Mungkin kita lihat aja dlu yh bakalan gimana jenius nanti…
Karna untuk ukuran digital bank gak harus ada admin bulanan lah klo menurut saya, kalaupun ada mereka harus lebih murah agar bisa bersaing sama bank konvesional lain yang udh lebih dulu
Mungkin digibank bisa jd pertimbangan ?
Betul digibank bs jd pertimbangan, tp to be fair menurut saya fitur jenius paling lengkap sih ngalahin yang lain
Kendala saya kalo mau buat Digibank itu di verifikasi biometriknya, apa gak bisa online?
Untuk CIMB Octo Mobile ny apakah bisa tolong dibahas? Thx
Octo mobile menurut saya itu hanya fitur mobile banking mas, bukan produk lengkap digital banking jadi ga saya ulas disini
Aku jugaaa ketarik uangnya 180k di Jenius pas tgl 21 agustus, gatau buat apa karena cuma ada tulisan google. Dan karena aku jarang ngecek jd baru ketauan seminggu kemudian:) udah pernah bikin laporan tp biar di proses harus blokir kartu permanen 50k 🙂 mantap kali la duit udah ilang masih diminta tambahan uang
Itu biasanya kalau coba free trial sesuatu lalu lupa dibatalin subscriptionnya, jadi lanjut kena charge
apa ada updatenya di tahun 2021? saya pengguna jenius tapi semakin kesini suka makin lemot ditambah ada b admin 10 ribu. (seharusnya ada biaya admin ada perbaikan service tapi makin kesini csnya susah diajak komunikasi dan appnya lemot bgt). cobain digi tapi bunga depositonya lebih kecil dari jenius sama exc rate untuk tabungan valasnya lebih mahal..
Kriteria saya untuk membuka rekening di sebuah bank:
1. Beragam kepentingan seperti diminta dengan mitra usaha untuk bisa kerja sama.
2. Tidak ada biaya administrasi.
3. Tidak ada biaya transfer.
4. Bunga tabungan setinggi mungkin agar masih dapat hasil sedikit dari dana yang terpaksa mengendap dalam rekening.
5. Transfer ke beberapa negara dengan biaya rendah.
Dengan kriteria itu, untuk saat ini bagi saya yang paling unggul adalah:
1. Seabank untuk untuk bertransaksi dalam negeri.
2. Digibank untuk bertransaksi dalam dan luar negeri.
Seabank saat ini memberi
1. Bunga tabungan 7%. Itu melebih bunga deposito di semua bank termasuk deposito di bank BPR. Saya baru kepikiran, itu artinya bunganya tidak dijamin oleh LPS karena melebihi bunga maximal terjamin.
Dana bisa diambil kapan saja, dan bunga diberikan setiap hari.
2. Gratis transfer ke bank apapun dalam negeri dengan realtime transfer.
3. Tidak ada biaya apapun
Contra Seabank:
1. Tidak ada kartu ATM. Jadi untuk tarik tunai butuh rekening (bank) lain yang memiliki kartu ATM
2. Aplikasinya cukup baik dan lancar, tapi masih ada hal-hal yang bisa diperbaiki.
Digibank memberi:
1. Bunga tabungan 3% dengan tabungan Maxi yang sangat fleksibel. Dana bisa diambil setiap saat.
2. Transfer ke bank apapun gratis dalam negeri jika uang rata-rata >= Rp 1.000.000.
3. Transfer gratis ke eurozone, Inggris, US, Canada, Australia, Singapore, dan Hongkong.
4. Tidak ada biaya administrasi jika uang rata-rata >= Rp 5.000.000
5. Bayar pakai kartu debit di luar negeri tanpa biaya.
6. Tarik tunai di luar negeri tanpa biaya (<= $ 1000)
Contra Digibank:
1. ATM DBS langka ditemui.
2. Uang rata-rata yang harus ada dalam rekening lumayan tinggi jika ingin tidak dikenakan biaya administrasi. Lebih baik bayar biaya administrasi Rp 10.000, uang rata-rata dalam rekening dibuat Rp 1.000.000 dan Rp 4.000.000 diinvestasikan.
Sebenarnya bagi saya ini juga tidak bermasalah karena uang Rp 5.000.000 adalah sedikit saat kita ada di luar negeri. Jadi syarat rata-rata Rp 5.000.000 sangat gampang dipenuhi.
Jenius (Bagi saya cuma ada contra):
Jenius sudah lama tidak menarik dan sudah ditutup sejak 2021.
1. Biaya administrasi Rp 20.000 per bulan terlalu tinggi untuk fitur-fitur dan promo-promo yang saya tidak gunakan.
2. Transfer gratis terbatas.
3. Bagi saya fitur-fitur baru diadakan untuk mempertanggung jawabkan biaya administrasi tanpa ada manfaatnya.
Walau mas Adrian tidak menggolongkan Simobiplus di sini, tetapi bagi saya Simobiplus menarik dan sudah bisa dibuka tanpa datang ke cabang.
Simobiplus memberi:
1. Transfer gratis realtime dengan BI-fast sejak 26-12-2021.
2. Transfer gratis ke bank apapun dalam negeri menggunakan kliring.
3. Tidak ada biaya administrasi
Contra Simobiplus:
1. BI-Fast belum bisa transfer ke semua bank.
2. Transfer kliring ada cut off time.
3. Bunga tabungan tidak signifikan.
4. ATM Sinarmas langka ditemukan.
Simobiplus termasuk golongan hampir cukup bagi saya untuk transaksi dalam negeri. Seabank lebih baik.
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