🇮🇩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
3.6455
2Tring! by Pegadaian
Tring! by PegadaianPT Pegadaian (Persero)
4.0413
3myBCA: BCA Banking Apps
myBCA: BCA Banking AppsPT Bank Central Asia Tbk.
3.3379
4BCA mobile
BCA mobilePT Bank Central Asia Tbk.
3.4370
5Rupiah Cepat - Pinjaman Dana
Rupiah Cepat - Pinjaman DanaPT KreditUtamaFintechIndonesia
4.5350
6Livin' by Mandiri
Livin' by MandiriPT Bank Mandiri (Persero) Tbk
3.6347
7DANA Dompet Digital Indonesia
DANA Dompet Digital IndonesiaPT Espay Debit Indonesia Koe
4.5307
8wondr by BNI
wondr by BNIPT Bank Negara Indonesia (Persero) Tbk.
4.9273
9Yup - VISA & Credit 0%*
Yup - VISA & Credit 0%*PT FINTURE TECH INDONESIA
4.7255
10AdaKami-Pinjaman Uang Digital
AdaKami-Pinjaman Uang DigitalPT Pembiayaan Digital Indonesia
4.4251
11Easycash - Pinjaman Daring
Easycash - Pinjaman DaringPT. Indonesia Fintopia Technology
4.7247
12KrediOne-Pinjaman Daring
KrediOne-Pinjaman DaringPT. Inovasi Terdepan Nusantara
4.6226
13JMO (Jamsostek Mobile)
JMO (Jamsostek Mobile)BPJS Ketenagakerjaan Official
4.7226
14GoPay: Transfer, Bayar, QRIS
GoPay: Transfer, Bayar, QRISPT. GoTo Gojek Tokopedia Tbk
4.7213
15BRImo
BRImoPT Bank Rakyat Indonesia (Persero) Tbk.
4.4211
16ShopeePay – Dompet Serba Bisa
ShopeePay – Dompet Serba BisaPT. AIRPAY INTERNATIONAL INDONESIA
4.7169
17Kredivo - Paylater & Pinjaman
Kredivo - Paylater & PinjamanPT Kredivo Finance Indonesia
4.7142
18Adapundi-Pinjaman Dana Cepat
Adapundi-Pinjaman Dana CepatPT. Info Tekno Siaga
4.8117
19FinPlus - Pinjaman Uang Online
FinPlus - Pinjaman Uang OnlinePT. Rezeki Bersama Teknologi
4.898
20SeaBank
SeaBankSeaBank Indonesia
5.079
21GoPay: Transfer, Payment, QRIS
GoPay: Transfer, Payment, QRISPT. GOTO GOJEK TOKOPEDIA TBK
4.70
22Rupiah Cepat-Pinjaman Dana
Rupiah Cepat-Pinjaman DanaKREDIT UTAMA FINTECH INDONESIA, PT
4.40
23Indodana - Paylater & Pinjaman
Indodana - Paylater & PinjamanPT Indodana Multi Finance
4.60
24AdaKami-Pinjaman Uang Online
AdaKami-Pinjaman Uang OnlinePEMBIAYAAN DIGITAL INDONESIA, PT
4.50
25Kredivo - Paylater & Loans
Kredivo - Paylater & LoansFinAccel Pte Ltd
4.80
26BCA mobile
BCA mobilePT. Bank Central Asia Tbk
3.20
27JMO - Jamsostek Mobile
JMO - Jamsostek MobileBPJS Ketenagakerjaan
2.00
28Tring! by Pegadaian
Tring! by PegadaianPEGADAIAN (PERSERO), PT
4.30
29OVO
OVOVisionet Internasional, Pt
4.00
30BRImo BRI
BRImo BRIPT. Bank Rakyat Indonesia (Persero) Tbk.
4.70
31Yup - VISA & Credit 0%*
Yup - VISA & Credit 0%*PT. FINTURE TECH INDONESIA
4.70
32wondr by BNI
wondr by BNIPT. BANK NEGARA INDONESIA (PERSERO) TBK.
4.90
33Livin' by Mandiri
Livin' by MandiriPT. Bank Mandiri (Persero) Tbk.
3.40
34DANA Dompet Digital Indonesia
DANA Dompet Digital IndonesiaESPAY DEBIT INDONESIA KOE, PT
4.80
35myBCA: New BCA Banking Apps
myBCA: New BCA Banking AppsPT. Bank Central Asia Tbk
3.50
36SeaBank
SeaBankPT.Bank Seabank Indonesia
4.90
37Bank Jago/Jago Syariah
Bank Jago/Jago SyariahBank Artos
4.80
38ShopeePay – Dompet Serba Bisa
ShopeePay – Dompet Serba BisaPT. AIRPAY INTERNATIONAL INDONESIA
4.90
39Easycash - Pinjam uang online
Easycash - Pinjam uang onlinePT. INDONESIA FINTOPIA TECHNOLOGY
4.40
40Danaku - Pinjaman Cepat & Aman
Danaku - Pinjaman Cepat & AmanPT. TRUST TEKNOLOGI FINANSIAL
4.90

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.