🇮🇩Worst Finance Apps in Indonesia

The most complained-about finance apps in Indonesia on App Store and Google Play, ranked by total negative reviews (1-2 stars) from real users. Updated weekly.

#AppRatingNegative Reviews
1OVO
OVOPT Visionet Internasional
3.6456
2myBCA: New BCA Banking Apps
myBCA: New BCA Banking AppsPT. Bank Central Asia Tbk
3.5434
3Tring! by Pegadaian
Tring! by PegadaianPT Pegadaian (Persero)
4.0413
4myBCA: BCA Banking Apps
myBCA: BCA Banking AppsPT Bank Central Asia Tbk.
3.3374
5BCA mobile
BCA mobilePT Bank Central Asia Tbk.
3.4369
6Rupiah Cepat - Pinjaman Dana
Rupiah Cepat - Pinjaman DanaPT KreditUtamaFintechIndonesia
4.5350
7Livin' by Mandiri
Livin' by MandiriPT Bank Mandiri (Persero) Tbk
3.5347
8DANA Dompet Digital Indonesia
DANA Dompet Digital IndonesiaPT Espay Debit Indonesia Koe
4.5310
9DANA Dompet Digital Indonesia
DANA Dompet Digital IndonesiaESPAY DEBIT INDONESIA KOE, PT
4.8292
10wondr by BNI
wondr by BNIPT Bank Negara Indonesia (Persero) Tbk.
4.9276
11GoPay: Transfer, Payment, QRIS
GoPay: Transfer, Payment, QRISPT. GOTO GOJEK TOKOPEDIA TBK
4.7257
12Yup - VISA & Credit 0%*
Yup - VISA & Credit 0%*PT FINTURE TECH INDONESIA
4.7254
13Easycash - Pinjaman Daring
Easycash - Pinjaman DaringPT. Indonesia Fintopia Technology
4.6248
14AdaKami-Pinjaman Uang Digital
AdaKami-Pinjaman Uang DigitalPT Pembiayaan Digital Indonesia
4.4248
15ShopeePay – Dompet Serba Bisa
ShopeePay – Dompet Serba BisaPT. AIRPAY INTERNATIONAL INDONESIA
4.9242
16KrediOne-Pinjaman Daring
KrediOne-Pinjaman DaringPT. Inovasi Terdepan Nusantara
4.6229
17JMO (Jamsostek Mobile)
JMO (Jamsostek Mobile)BPJS Ketenagakerjaan Official
4.7228
18BRImo
BRImoPT Bank Rakyat Indonesia (Persero) Tbk.
4.4214
19GoPay: Transfer, Bayar, QRIS
GoPay: Transfer, Bayar, QRISPT. GoTo Gojek Tokopedia Tbk
4.7210
20SeaBank
SeaBankPT.Bank Seabank Indonesia
4.9202
21ShopeePay – Dompet Serba Bisa
ShopeePay – Dompet Serba BisaPT. AIRPAY INTERNATIONAL INDONESIA
4.7163
22Kredivo - Paylater & Pinjaman
Kredivo - Paylater & PinjamanPT Kredivo Finance Indonesia
4.7139
23Adapundi-Pinjaman Dana Cepat
Adapundi-Pinjaman Dana CepatPT. Info Tekno Siaga
4.8122
24FinPlus - Pinjaman Uang Online
FinPlus - Pinjaman Uang OnlinePT. Rezeki Bersama Teknologi
4.8101
25SeaBank
SeaBankSeaBank Indonesia
5.088
26BRImo BRI
BRImo BRIPT. Bank Rakyat Indonesia (Persero) Tbk.
4.70
27AdaKami-Pinjaman Uang Online
AdaKami-Pinjaman Uang OnlinePEMBIAYAAN DIGITAL INDONESIA, PT
4.50
28wondr by BNI
wondr by BNIPT. BANK NEGARA INDONESIA (PERSERO) TBK.
4.90
29Easycash - Pinjam uang online
Easycash - Pinjam uang onlinePT. INDONESIA FINTOPIA TECHNOLOGY
4.40
30Rupiah Cepat-Pinjaman Dana
Rupiah Cepat-Pinjaman DanaKREDIT UTAMA FINTECH INDONESIA, PT
4.40
31Indodana - Paylater & Pinjaman
Indodana - Paylater & PinjamanPT Indodana Multi Finance
4.60
32JMO - Jamsostek Mobile
JMO - Jamsostek MobileBPJS Ketenagakerjaan
2.00
33OVO
OVOVisionet Internasional, Pt
4.00
34BCA mobile
BCA mobilePT. Bank Central Asia Tbk
3.20
35Danaku - Pinjaman Cepat & Aman
Danaku - Pinjaman Cepat & AmanPT. TRUST TEKNOLOGI FINANSIAL
4.90
36Kredivo - Paylater & Loans
Kredivo - Paylater & LoansFinAccel Pte Ltd
4.80
37Bank Jago/Jago Syariah
Bank Jago/Jago SyariahBank Artos
4.80
38Adapundi-Pinjaman Dana Cepat
Adapundi-Pinjaman Dana CepatPT. Info Tekno Siaga
4.80
39Livin' by Mandiri
Livin' by MandiriPT. Bank Mandiri (Persero) Tbk.
3.40
40Yup - VISA & Credit 0%*
Yup - VISA & Credit 0%*PT. FINTURE TECH INDONESIA
4.70
41Tring! by Pegadaian
Tring! by PegadaianPEGADAIAN (PERSERO), PT
4.20

Why Finance Apps Fail in Indonesia

Finance apps that earn the most complaints in Indonesia usually share the same failure patterns: missing local payment methods, broken integrations with country-specific services, slow servers, missing language support, or feature parity gaps with the global version. Reviews concentrate around the moment a finance feature works in the US or UK but breaks in Indonesia.

This page ranks finance apps in Indonesia by total number of negative reviews (1-2 stars). Whether you are researching competitors before launching a finance app in Indonesia, benchmarking your own app against local pain points, or just curious which finance apps users in Indonesia complain about most: this data shows you what is actually happening on the ground, not what marketing pages claim.