🇮🇩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
3.5457
2Tring! by Pegadaian
Tring! by PegadaianPT Pegadaian (Persero)
4.0399
3myBCA: BCA Banking Apps
myBCA: BCA Banking AppsPT Bank Central Asia Tbk.
3.3380
4Andal by Taspen
Andal by TaspenPT TASPEN (PERSERO)
4.0372
5BCA mobile
BCA mobilePT Bank Central Asia Tbk.
3.4368
6BRImo
BRImoPT Bank Rakyat Indonesia (Persero) Tbk.
4.4355
7RupiahCepat - Pinjaman Dana
RupiahCepat - Pinjaman DanaPT KreditUtamaFintechIndonesia
4.5350
8Livin' by Mandiri
Livin' by MandiriPT Bank Mandiri (Persero) Tbk
3.5345
9DANA Dompet Digital Indonesia
DANA Dompet Digital IndonesiaPT Espay Debit Indonesia Koe
4.6311
10JMO (Jamsostek Mobile)
JMO (Jamsostek Mobile)BPJS Ketenagakerjaan Official
4.7287
11Easycash - Pinjaman Daring
Easycash - Pinjaman DaringPT. Indonesia Fintopia Technology
4.6266
12wondr by BNI
wondr by BNIPT Bank Negara Indonesia (Persero) Tbk.
4.9261
13Yup - VISA & Credit 0%*
Yup - VISA & Credit 0%*PT FINTURE TECH INDONESIA
4.7247
14KrediOne-Pinjaman Daring
KrediOne-Pinjaman DaringPT. Inovasi Terdepan Nusantara
4.6233
15AdaKami-Pinjaman Uang Digital
AdaKami-Pinjaman Uang DigitalPT Pembiayaan Digital Indonesia
4.4232
16GoPay: Transfer, Bayar, QRIS
GoPay: Transfer, Bayar, QRISPT. GoTo Gojek Tokopedia Tbk
4.7169
17Kredivo - Paylater & Pinjaman
Kredivo - Paylater & PinjamanPT Kredivo Finance Indonesia
4.7129
18Danaku - Pinjaman Cepat & Aman
Danaku - Pinjaman Cepat & AmanPT Trust Teknologi Finansial
4.8129
19Indosaku-Pinjaman Cicilan Uang
Indosaku-Pinjaman Cicilan UangPT. INDOSAKU DIGITAL TEKNOLOGI
4.4126
20Adapundi-Pinjaman Dana Cepat
Adapundi-Pinjaman Dana CepatPT. Info Tekno Siaga
4.8115
21UATAS : Pinjaman Dana Online
UATAS : Pinjaman Dana OnlinePT. Plus Ultra Abadi
4.9113
22ShopeePay – Dompet Serba Bisa
ShopeePay – Dompet Serba BisaPT. AIRPAY INTERNATIONAL INDONESIA
4.7113
23Artha Niaga - Koperasi Pinjam
Artha Niaga - Koperasi PinjamKOPERASI SIMPAN PINJAM ARTHA NIAGA
4.5109
24FinPlus - Pinjaman Uang Online
FinPlus - Pinjaman Uang OnlinePT. Rezeki Bersama Teknologi
4.897
25SeaBank
SeaBankSeaBank Indonesia
5.097
26BantuSaku- Pinjaman Daring
BantuSaku- Pinjaman DaringPT. Smartec Teknologi Indonesia
4.878
27OVO
OVOVisionet Internasional, Pt
4.010
28Easycash - Pinjam uang online
Easycash - Pinjam uang onlinePT. INDONESIA FINTOPIA TECHNOLOGY
4.410
29JMO - Jamsostek Mobile
JMO - Jamsostek MobileBPJS Ketenagakerjaan
2.010
30ShopeePay – Dompet Serba Bisa
ShopeePay – Dompet Serba BisaPT. AIRPAY INTERNATIONAL INDONESIA
4.99
31Tring! by Pegadaian
Tring! by PegadaianPEGADAIAN (PERSERO), PT
4.29
32BCA mobile
BCA mobilePT. Bank Central Asia Tbk
3.29
33Livin' by Mandiri
Livin' by MandiriPT. Bank Mandiri (Persero) Tbk.
3.49
34AdaKami-Pinjaman Uang Online
AdaKami-Pinjaman Uang OnlinePEMBIAYAAN DIGITAL INDONESIA, PT
4.59
35GoPay: Transfer, Payment, QRIS
GoPay: Transfer, Payment, QRISPT. GOTO GOJEK TOKOPEDIA TBK
4.79
36Indodana - Paylater & Pinjaman
Indodana - Paylater & PinjamanPT Indodana Multi Finance
4.67
37BRImo BRI
BRImo BRIPT. Bank Rakyat Indonesia (Persero) Tbk.
4.76
38wondr by BNI
wondr by BNIPT. BANK NEGARA INDONESIA (PERSERO) TBK.
4.96
39myBCA: New BCA Banking Apps
myBCA: New BCA Banking AppsPT. Bank Central Asia Tbk
3.56
40Yup - VISA & Credit 0%*
Yup - VISA & Credit 0%*PT. FINTURE TECH INDONESIA
4.75
41Kredivo - Paylater & Loans
Kredivo - Paylater & LoansFinAccel Pte Ltd
4.83
42SeaBank
SeaBankPT.Bank Seabank Indonesia
4.93
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
45RupiahCepat-Pinjaman Dana
RupiahCepat-Pinjaman DanaKREDIT UTAMA FINTECH INDONESIA, PT
4.40
46Bank Jago/Jago Syariah
Bank Jago/Jago SyariahBank Artos
4.80
47DANA 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.