🇮🇩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	460
2	Tring! by PegadaianPT Pegadaian (Persero) How to cancel →	Android	4.0	399
3	Andal by TaspenPT TASPEN (PERSERO) How to cancel →	Android	4.0	372
4	myBCA: BCA Banking AppsPT Bank Central Asia Tbk. How to cancel →	Android	3.3	371
5	BCA mobilePT Bank Central Asia Tbk. How to cancel →	Android	3.4	369
6	Livin' by MandiriPT Bank Mandiri (Persero) Tbk How to cancel →	Android	3.6	359
7	RupiahCepat - Pinjaman DanaPT KreditUtamaFintechIndonesia How to cancel →	Android	4.5	350
8	BRImoPT Bank Rakyat Indonesia (Persero) Tbk. How to cancel →	Android	4.4	350
9	bale by BTNPT. Bank Tabungan Negara (Persero), Tbk How to cancel →	Android	3.8	340
10	DANA Dompet Digital IndonesiaPT Espay Debit Indonesia Koe How to cancel →	Android	4.5	332
11	JMO (Jamsostek Mobile)BPJS Ketenagakerjaan Official How to cancel →	Android	4.7	295
12	Easycash - Pinjaman DaringPT. Indonesia Fintopia Technology How to cancel →	Android	4.6	267
13	GoPay: Transfer, Bayar, QRISPT. GoTo Gojek Tokopedia Tbk How to cancel →	Android	4.7	252
14	Yup - VISA & Credit 0%*PT FINTURE TECH INDONESIA How to cancel →	Android	4.7	243
15	KrediOne-Pinjaman DaringPT. Inovasi Terdepan Nusantara How to cancel →	Android	4.6	234
16	wondr by BNIPT Bank Negara Indonesia (Persero) Tbk. How to cancel →	Android	4.9	234
17	AdaKami-Pinjaman Uang DigitalPT Pembiayaan Digital Indonesia How to cancel →	Android	4.5	229
18	Bank Jago/Jago SyariahPT Bank Jago, Tbk How to cancel →	Android	4.5	212
19	ShopeePay – Dompet Serba BisaPT. AIRPAY INTERNATIONAL INDONESIA How to cancel →	Android	4.7	166
20	Kredivo - Paylater & PinjamanPT Kredivo Finance Indonesia How to cancel →	Android	4.8	133
21	Indosaku-Pinjaman Cicilan UangPT. INDOSAKU DIGITAL TEKNOLOGI How to cancel →	Android	4.4	133
22	Danaku - Pinjaman Cepat & AmanPT Trust Teknologi Finansial How to cancel →	Android	4.8	129
23	Adapundi-Pinjaman Dana CepatPT. Info Tekno Siaga How to cancel →	Android	4.8	117
24	UATAS : Pinjaman Dana OnlinePT. Plus Ultra Abadi How to cancel →	Android	4.9	113
25	Artha Niaga - Koperasi PinjamKOPERASI SIMPAN PINJAM ARTHA NIAGA How to cancel →	Android	4.5	109
26	FinPlus - Pinjaman Uang OnlinePT. Rezeki Bersama Teknologi How to cancel →	Android	4.8	96
27	SeaBankSeaBank Indonesia How to cancel →	Android	5.0	81
28	BantuSaku- Pinjaman DaringPT. Smartec Teknologi Indonesia How to cancel →	Android	4.8	78
29	JMO - Jamsostek MobileBPJS Ketenagakerjaan How to cancel →	iOS	2.0	10
30	Easycash - Pinjam uang onlinePT. INDONESIA FINTOPIA TECHNOLOGY How to cancel →	iOS	4.4	10
31	OVOVisionet Internasional, Pt How to cancel →	iOS	4.0	10
32	AdaKami-Pinjaman Uang OnlinePEMBIAYAAN DIGITAL INDONESIA, PT How to cancel →	iOS	4.5	9
33	ShopeePay – Dompet Serba BisaPT. AIRPAY INTERNATIONAL INDONESIA How to cancel →	iOS	4.9	9
34	Tring! by PegadaianPEGADAIAN (PERSERO), PT How to cancel →	iOS	4.2	9
35	GoPay: Transfer, Payment, QRISPT. GOTO GOJEK TOKOPEDIA TBK How to cancel →	iOS	4.7	9
36	Livin' by MandiriPT. Bank Mandiri (Persero) Tbk. How to cancel →	iOS	3.4	9
37	BCA mobilePT. Bank Central Asia Tbk How to cancel →	iOS	3.2	9
38	Indodana - Paylater & PinjamanPT Indodana Multi Finance How to cancel →	iOS	4.6	7
39	myBCA: New BCA Banking AppsPT. Bank Central Asia Tbk How to cancel →	iOS	3.5	6
40	BRImo BRIPT. Bank Rakyat Indonesia (Persero) Tbk. How to cancel →	iOS	4.7	6
41	wondr by BNIPT. BANK NEGARA INDONESIA (PERSERO) TBK. How to cancel →	iOS	4.9	6
42	Yup - VISA & Credit 0%*PT. FINTURE TECH INDONESIA How to cancel →	iOS	4.7	5
43	SeaBankPT.Bank Seabank Indonesia How to cancel →	iOS	4.9	3
44	Kredivo - Paylater & LoansFinAccel Pte Ltd How to cancel →	iOS	4.8	3
45	DANA Dompet Digital IndonesiaESPAY DEBIT INDONESIA KOE, PT How to cancel →	iOS	4.8	0
46	RupiahCepat-Pinjaman DanaKREDIT UTAMA FINTECH INDONESIA, PT How to cancel →	iOS	4.4	0
47	Adapundi-Pinjaman Dana CepatPT. Info Tekno Siaga How to cancel →	iOS	4.8	0
48	Bank Jago/Jago SyariahBank Artos How to cancel →	iOS	4.8	0
49	Danaku - Pinjaman Cepat & AmanPT. TRUST TEKNOLOGI FINANSIAL How to cancel →	iOS	4.9	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.

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