🇮🇩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
3.5455
2Tring! by Pegadaian
Tring! by PegadaianPT Pegadaian (Persero)
4.0399
3myBCA: BCA Banking Apps
myBCA: BCA Banking AppsPT Bank Central Asia Tbk.
3.3381
4BCA mobile
BCA mobilePT Bank Central Asia Tbk.
3.4365
5Livin' by Mandiri
Livin' by MandiriPT Bank Mandiri (Persero) Tbk
3.5351
6RupiahCepat - Pinjaman Dana
RupiahCepat - Pinjaman DanaPT KreditUtamaFintechIndonesia
4.5346
7BRImo
BRImoPT Bank Rakyat Indonesia (Persero) Tbk.
4.4335
8DANA Dompet Digital Indonesia
DANA Dompet Digital IndonesiaPT Espay Debit Indonesia Koe
4.6287
9Easycash - Pinjaman Daring
Easycash - Pinjaman DaringPT. Indonesia Fintopia Technology
4.6264
10JMO (Jamsostek Mobile)
JMO (Jamsostek Mobile)BPJS Ketenagakerjaan Official
4.7264
11wondr by BNI
wondr by BNIPT Bank Negara Indonesia (Persero) Tbk.
4.9262
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
4.4237
14KrediOne-Pinjaman Daring
KrediOne-Pinjaman DaringPT. Inovasi Terdepan Nusantara
4.6228
15GoPay: Transfer, Bayar, QRIS
GoPay: Transfer, Bayar, QRISPT. GoTo Gojek Tokopedia Tbk
4.7159
16Kredivo - Paylater & Pinjaman
Kredivo - Paylater & PinjamanPT Kredivo Finance Indonesia
4.7144
17Danaku - Pinjaman Cepat & Aman
Danaku - Pinjaman Cepat & AmanPT Trust Teknologi Finansial
4.8129
18Adapundi-Pinjaman Dana Cepat
Adapundi-Pinjaman Dana CepatPT. Info Tekno Siaga
4.8125
19UATAS : Pinjaman Dana Online
UATAS : Pinjaman Dana OnlinePT. Plus Ultra Abadi
4.9113
20ShopeePay – Dompet Serba Bisa
ShopeePay – Dompet Serba BisaPT. AIRPAY INTERNATIONAL INDONESIA
4.7113
21SeaBank
SeaBankSeaBank Indonesia
5.099
22Artha Niaga - Koperasi Pinjam
Artha Niaga - Koperasi PinjamKOPERASI SIMPAN PINJAM ARTHA NIAGA
4.598
23FinPlus - Pinjaman Uang Online
FinPlus - Pinjaman Uang OnlinePT. Rezeki Bersama Teknologi
4.898
24BantuSaku- Pinjaman Daring
BantuSaku- Pinjaman DaringPT. Smartec Teknologi Indonesia
4.878
25JMO - Jamsostek Mobile
JMO - Jamsostek MobileBPJS Ketenagakerjaan
2.010
26Easycash - Pinjam uang online
Easycash - Pinjam uang onlinePT. INDONESIA FINTOPIA TECHNOLOGY
4.410
27OVO
OVOVisionet Internasional, Pt
4.010
28Tring! by Pegadaian
Tring! by PegadaianPEGADAIAN (PERSERO), PT
4.29
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
31Livin' by Mandiri
Livin' by MandiriPT. Bank Mandiri (Persero) Tbk.
3.49
32GoPay: Transfer, Payment, QRIS
GoPay: Transfer, Payment, QRISPT. GOTO GOJEK TOKOPEDIA TBK
4.79
33BCA mobile
BCA mobilePT. Bank Central Asia Tbk
3.29
34Indodana - Paylater & Pinjaman
Indodana - Paylater & PinjamanPT Indodana Multi Finance
4.67
35myBCA: New BCA Banking Apps
myBCA: New BCA Banking AppsPT. Bank Central Asia Tbk
3.56
36wondr by BNI
wondr by BNIPT. BANK NEGARA INDONESIA (PERSERO) TBK.
4.96
37BRImo BRI
BRImo BRIPT. Bank Rakyat Indonesia (Persero) Tbk.
4.76
38Yup - VISA & Credit 0%*
Yup - VISA & Credit 0%*PT. FINTURE TECH INDONESIA
4.75
39SeaBank
SeaBankPT.Bank Seabank Indonesia
4.93
40Kredivo - Paylater & Loans
Kredivo - Paylater & LoansFinAccel Pte Ltd
4.83
41Danaku - Pinjaman Cepat & Aman
Danaku - Pinjaman Cepat & AmanPT. TRUST TEKNOLOGI FINANSIAL
4.90
42Bank Jago/Jago Syariah
Bank Jago/Jago SyariahBank Artos
4.80
43Adapundi-Pinjaman Dana Cepat
Adapundi-Pinjaman Dana CepatPT. Info Tekno Siaga
4.80
44RupiahCepat-Pinjaman Dana
RupiahCepat-Pinjaman DanaKREDIT UTAMA FINTECH INDONESIA, PT
4.40
45DANA Dompet Digital Indonesia
DANA Dompet Digital IndonesiaESPAY DEBIT INDONESIA KOE, PT
4.80

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.