🇮🇩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
3.5456
2Tring! by Pegadaian
Tring! by PegadaianPT Pegadaian (Persero)
4.0399
3myBCA: BCA Banking Apps
myBCA: BCA Banking AppsPT Bank Central Asia Tbk.
3.3378
4BCA mobile
BCA mobilePT Bank Central Asia Tbk.
3.4366
5RupiahCepat - Pinjaman Dana
RupiahCepat - Pinjaman DanaPT KreditUtamaFintechIndonesia
4.5349
6Livin' by Mandiri
Livin' by MandiriPT Bank Mandiri (Persero) Tbk
3.5347
7BRImo
BRImoPT Bank Rakyat Indonesia (Persero) Tbk.
4.4343
8DANA Dompet Digital Indonesia
DANA Dompet Digital IndonesiaPT Espay Debit Indonesia Koe
4.6292
9JMO (Jamsostek Mobile)
JMO (Jamsostek Mobile)BPJS Ketenagakerjaan Official
4.7270
10Easycash - Pinjaman Daring
Easycash - Pinjaman DaringPT. Indonesia Fintopia Technology
4.6267
11wondr by BNI
wondr by BNIPT Bank Negara Indonesia (Persero) Tbk.
4.9260
12Yup - VISA & Credit 0%*
Yup - VISA & Credit 0%*PT FINTURE TECH INDONESIA
4.7254
13AdaKami-Pinjaman Uang Digital
AdaKami-Pinjaman Uang DigitalPT Pembiayaan Digital Indonesia
4.4235
14KrediOne-Pinjaman Daring
KrediOne-Pinjaman DaringPT. Inovasi Terdepan Nusantara
4.6232
15GoPay: Transfer, Bayar, QRIS
GoPay: Transfer, Bayar, QRISPT. GoTo Gojek Tokopedia Tbk
4.6155
16Kredivo - Paylater & Pinjaman
Kredivo - Paylater & PinjamanPT Kredivo Finance Indonesia
4.7140
17Danaku - Pinjaman Cepat & Aman
Danaku - Pinjaman Cepat & AmanPT Trust Teknologi Finansial
4.8129
18Indosaku-Pinjaman Cicilan Uang
Indosaku-Pinjaman Cicilan UangPT. INDOSAKU DIGITAL TEKNOLOGI
4.4126
19Adapundi-Pinjaman Dana Cepat
Adapundi-Pinjaman Dana CepatPT. Info Tekno Siaga
4.8126
20UATAS : Pinjaman Dana Online
UATAS : Pinjaman Dana OnlinePT. Plus Ultra Abadi
4.9113
21ShopeePay – Dompet Serba Bisa
ShopeePay – Dompet Serba BisaPT. AIRPAY INTERNATIONAL INDONESIA
4.7113
22Artha Niaga - Koperasi Pinjam
Artha Niaga - Koperasi PinjamKOPERASI SIMPAN PINJAM ARTHA NIAGA
4.5101
23FinPlus - Pinjaman Uang Online
FinPlus - Pinjaman Uang OnlinePT. Rezeki Bersama Teknologi
4.8100
24SeaBank
SeaBankSeaBank Indonesia
5.096
25BantuSaku- Pinjaman Daring
BantuSaku- Pinjaman DaringPT. Smartec Teknologi Indonesia
4.878
26OVO
OVOVisionet Internasional, Pt
4.010
27JMO - Jamsostek Mobile
JMO - Jamsostek MobileBPJS Ketenagakerjaan
2.010
28Easycash - Pinjam uang online
Easycash - Pinjam uang onlinePT. INDONESIA FINTOPIA TECHNOLOGY
4.410
29AdaKami-Pinjaman Uang Online
AdaKami-Pinjaman Uang OnlinePEMBIAYAAN DIGITAL INDONESIA, PT
4.59
30ShopeePay – Dompet Serba Bisa
ShopeePay – Dompet Serba BisaPT. AIRPAY INTERNATIONAL INDONESIA
4.99
31BCA mobile
BCA mobilePT. Bank Central Asia Tbk
3.29
32Tring! by Pegadaian
Tring! by PegadaianPEGADAIAN (PERSERO), PT
4.29
33GoPay: Transfer, Payment, QRIS
GoPay: Transfer, Payment, QRISPT. GOTO GOJEK TOKOPEDIA TBK
4.79
34Livin' by Mandiri
Livin' by MandiriPT. Bank Mandiri (Persero) Tbk.
3.49
35Indodana - Paylater & Pinjaman
Indodana - Paylater & PinjamanPT Indodana Multi Finance
4.67
36myBCA: New BCA Banking Apps
myBCA: New BCA Banking AppsPT. Bank Central Asia Tbk
3.56
37wondr by BNI
wondr by BNIPT. BANK NEGARA INDONESIA (PERSERO) TBK.
4.96
38BRImo BRI
BRImo BRIPT. Bank Rakyat Indonesia (Persero) Tbk.
4.76
39Yup - VISA & Credit 0%*
Yup - VISA & Credit 0%*PT. FINTURE TECH INDONESIA
4.75
40Kredivo - Paylater & Loans
Kredivo - Paylater & LoansFinAccel Pte Ltd
4.83
41SeaBank
SeaBankPT.Bank Seabank Indonesia
4.93
42DANA Dompet Digital Indonesia
DANA Dompet Digital IndonesiaESPAY DEBIT INDONESIA KOE, PT
4.80
43Danaku - Pinjaman Cepat & Aman
Danaku - Pinjaman Cepat & AmanPT. TRUST TEKNOLOGI FINANSIAL
4.90
44Adapundi-Pinjaman Dana Cepat
Adapundi-Pinjaman Dana CepatPT. Info Tekno Siaga
4.80
45Bank Jago/Jago Syariah
Bank Jago/Jago SyariahBank Artos
4.80
46RupiahCepat-Pinjaman Dana
RupiahCepat-Pinjaman DanaKREDIT UTAMA FINTECH INDONESIA, PT
4.40

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.