Review 2 Tahun NEOBANK: Bunga 8%, apakah masih AMAN??

Summary

The video script discusses the presenter's experience with Neo Commerce's New bank app, highlighting its user-friendly registration, attractive interest rates on savings, and flexible deposit options like Neo Wow Flexi with up to 8% annual interest. The presenter shares a step-by-step guide on using the app, including opening a Neo Wow Flexi deposit and calculating interest without penalties. They also address concerns about the safety of digital banks, comparing them to conventional banks and discussing the impact of global bank failures on Indonesian digital banks. The script concludes with a referral offer for additional benefits, emphasizing the app's transparency as a publicly listed company.

Takeaways

• 😀 The speaker has previously made two videos about Neo Commerce's New bank application, which have garnered over 100,000 views.
• 🏦 The speaker has been using New bank for two years and continues to deposit money, highlighting the app's ease of registration and attractive products like Neo Now and Neo Wow deposits.
• 🌐 The New bank app is available for download on both Android and iOS platforms, and the registration process is described as smooth and quick.
• 💼 The speaker's personal experience with the app has been positive, with a focus on short-term investment and the convenience of the app's features.
• 📈 The app offers various deposit options, including Neo Wow Flexi with no penalties for early withdrawal and still provides an annual interest rate of 2%.
• 💰 There are promotional offers for new users, such as additional interest and cash rewards for opening a Neo Wow Flexi deposit within the first 7 days of account opening.
• 🔒 The speaker assures that despite the high interest rates offered, the deposits are safe as Neo Commerce is under the LPS guarantee and is a publicly listed company.
• 🌐 The speaker discusses the impact of global bank failures on Indonesian digital banks, suggesting that the business models and customer segments are different, leading to a relatively small impact.
• 📊 The financial performance of Neo Commerce can be transparently checked as it is a publicly listed company, and its reports can be accessed on the IDX website.
• 📲 The speaker encourages viewers to use the referral code provided to get additional benefits when opening an account with New bank.

Q & A

What are the two videos the speaker made about Neo Commerce's New bank application?

The speaker made two videos about the New bank application from Neo Commerce, discussing its features and services, which have garnered over 100,000 views.

What is the interest rate offered by New bank's deposit products?

New bank offers a high interest rate on its deposit products, with some reaching up to 8% per annum.

Is the speaker still using New bank for savings, and why?

Yes, the speaker continues to use New bank for savings due to its smooth registration process, attractive interest rates, and short-term investment opportunities.

What is the registration process like for New bank according to the speaker?

The registration process for New bank is described as smooth and can be completed in less than 15 minutes by following the steps after downloading the app from the Play Store or App Store.

What are the features of the Neo bank application that the speaker highlights?

The speaker highlights features such as a clear interface, total balance view, interest estimation, and various savings and deposit options within the Neo bank application.

What is the difference between Neo Wow Flexi and regular Neo Wow deposits?

Neo Wow Flexi allows for flexible withdrawal without penalties and still offers interest, unlike regular Neo Wow deposits which cannot be withdrawn before maturity without penalties.

How does the speaker calculate the interest for Neo Wow Flexi deposits?

The speaker calculates the interest for Neo Wow Flexi deposits by dividing the number of days the deposit is held by 365, then multiplying by the annual interest rate of 2% and the deposit amount.

What are the promotional offers mentioned for new users of New bank?

New users of New bank can enjoy additional interest of 1.5% and cash rewards up to 60,000 for Neo Wow Flexi deposits, as well as a 5% cash reward on the deposit value for the first Neo Wow Flexi deposit made within 7 days of account opening.

What are the advantages of using New bank according to the speaker's two-year experience?

The advantages include higher interest rates compared to conventional banks, free interbank transfers with a monthly limit, and a favorite feature of topping up with virtual accounts from various banks.

How does the speaker address concerns about the safety of deposits in New bank?

The speaker reassures that deposits in New bank are safe as long as the bank operates and are covered by the LPS insurance scheme, which guarantees deposits up to a certain percentage.

What is the speaker's view on the impact of global bank collapses on digital banks in Indonesia?

The speaker believes that the impact of global bank collapses on digital banks in Indonesia, including New bank, is relatively small due to the different business models and customer segments.