🇮🇩Worst Finance Apps in Indonesia

The most complained-about finance apps in Indonesia on App Store and Google Play, ranked by total negative reviews (1-3 stars) from real users. Updated monthly.

#	App	Platform	Rating	Negative Reviews
1	OVOPT Visionet Internasional How to cancel →	Android	3.5	461
2	myBCA: BCA Banking AppsPT Bank Central Asia Tbk. How to cancel →	Android	3.3	383
3	BCA mobilePT Bank Central Asia Tbk. How to cancel →	Android	3.5	377
4	Andal by TaspenPT TASPEN (PERSERO) How to cancel →	Android	4.0	372
5	Livin' by MandiriPT Bank Mandiri (Persero) Tbk How to cancel →	Android	3.6	359
6	Tring! by PegadaianPT Pegadaian (Persero) How to cancel →	Android	3.9	355
7	RupiahCepat - Pinjaman DanaPT KreditUtamaFintechIndonesia How to cancel →	Android	4.5	350
8	bale by BTNPT. Bank Tabungan Negara (Persero), Tbk How to cancel →	Android	4.0	349
9	DANA Dompet Digital IndonesiaPT Espay Debit Indonesia Koe How to cancel →	Android	4.5	341
10	BRImoPT Bank Rakyat Indonesia (Persero) Tbk. How to cancel →	Android	4.4	305
11	JMO (Jamsostek Mobile)BPJS Ketenagakerjaan Official How to cancel →	Android	4.7	301
12	Easycash - Pinjaman DaringPT Indonesia Fintopia Technology How to cancel →	Android	4.6	269
13	Yup - VISA & Credit 0%*PT FINTURE TECH INDONESIA How to cancel →	Android	4.7	243
14	KrediOne-Pinjaman DaringPT. Inovasi Terdepan Nusantara How to cancel →	Android	4.6	234
15	wondr by BNIPT Bank Negara Indonesia (Persero) Tbk. How to cancel →	Android	4.9	226
16	Bank Jago/Jago SyariahPT Bank Jago, Tbk How to cancel →	Android	4.6	220
17	AdaKami-Pinjaman Uang DigitalPT Pembiayaan Digital Indonesia How to cancel →	Android	4.5	216
18	ShopeePay – Dompet Serba BisaPT. AIRPAY INTERNATIONAL INDONESIA How to cancel →	Android	4.7	201
19	GoPay: Transfer, Bayar, QRISPT. GoTo Gojek Tokopedia Tbk How to cancel →	Android	4.8	175
20	Indosaku-Pinjaman Cicilan UangPT. INDOSAKU DIGITAL TEKNOLOGI How to cancel →	Android	4.5	167
21	Kredivo - Paylater & PinjamanPT Kredivo Finance Indonesia How to cancel →	Android	4.8	140
22	Danaku - Pinjaman Cepat & AmanPT Trust Teknologi Finansial How to cancel →	Android	4.8	129
23	UATAS : Pinjaman Dana OnlinePT. Plus Ultra Abadi How to cancel →	Android	4.9	113
24	Artha Niaga - Koperasi PinjamKOPERASI SIMPAN PINJAM ARTHA NIAGA How to cancel →	Android	4.5	109
25	Adapundi-Pinjaman Dana CepatPT. Info Tekno Siaga How to cancel →	Android	4.8	103
26	FinPlus - Pinjaman Uang OnlinePT. Rezeki Bersama Teknologi How to cancel →	Android	4.8	91
27	BantuSaku- Pinjaman DaringPT. Smartec Teknologi Indonesia How to cancel →	Android	4.8	78
28	SeaBankSeaBank Indonesia How to cancel →	Android	4.9	77
29	Stockity – Online TradingStockity How to cancel →	Android	4.6	66
30	KasPintar – Hitung PinjamanDZATARA LTD How to cancel →	Android	4.7	28
31	KreditNavigator-Pinjaman AmanKoperasi SIMPAN PINJAM EKA SETIA NUSANTARA How to cancel →	Android	4.6	13
32	Easycash - Pinjam uang onlinePT. INDONESIA FINTOPIA TECHNOLOGY How to cancel →	iOS	4.4	10
33	JMO - Jamsostek MobileBPJS Ketenagakerjaan How to cancel →	iOS	2.0	10
34	OVOVisionet Internasional, Pt How to cancel →	iOS	4.0	10
35	ShopeePay – Dompet Serba BisaPT. AIRPAY INTERNATIONAL INDONESIA How to cancel →	iOS	4.9	9
36	Livin' by MandiriPT. Bank Mandiri (Persero) Tbk. How to cancel →	iOS	3.4	9
37	Tring! by PegadaianPEGADAIAN (PERSERO), PT How to cancel →	iOS	4.2	9
38	AdaKami-Pinjaman Uang OnlinePEMBIAYAAN DIGITAL INDONESIA, PT How to cancel →	iOS	4.5	9
39	GoPay: Transfer, Payment, QRISPT. GOTO GOJEK TOKOPEDIA TBK How to cancel →	iOS	4.7	9
40	BCA mobilePT. Bank Central Asia Tbk How to cancel →	iOS	3.2	9
41	Indodana - Paylater & PinjamanPT Indodana Multi Finance How to cancel →	iOS	4.6	7
42	wondr by BNIPT. BANK NEGARA INDONESIA (PERSERO) TBK. How to cancel →	iOS	4.9	6
43	BRImo BRIPT. Bank Rakyat Indonesia (Persero) Tbk. How to cancel →	iOS	4.7	6
44	myBCA: New BCA Banking AppsPT. Bank Central Asia Tbk How to cancel →	iOS	3.5	6
45	Yup - VISA & Credit 0%*PT. FINTURE TECH INDONESIA How to cancel →	iOS	4.7	5
46	BFI Mobile - Pinjaman DanaPT. BFI Finance Indonesia, Tbk How to cancel →	Android	4.3	4
47	Kredivo - Paylater & LoansFinAccel Pte Ltd How to cancel →	iOS	4.8	3
48	SeaBankPT.Bank Seabank Indonesia How to cancel →	iOS	4.9	3
49	RupiahCepat-Pinjaman DanaKREDIT UTAMA FINTECH INDONESIA, PT How to cancel →	iOS	4.4	0
50	Bank Jago/Jago SyariahBank Artos How to cancel →	iOS	4.8	0

Worst Finance Apps in Other Countries

See how the same finance apps fare across other markets.

Worst Apps in Indonesia by Other Categories

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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 (1-3 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.

See best finance apps in Indonesia →|Worst Finance (global) →|All worst apps in Indonesia →|Full Leaderboard →