Bank Digital Terbaik 2025 (neobank, Krom, SeaBank, Jago)

Summary

In this video, Dodi reviews and compares four popular digital banks in 2025—Si Bank, Bank Jago, Blue, and Neobank—based on key criteria like interest rates, financial health, features, and ecosystem integrations. He highlights the advantages of digital banks, such as higher interest rates, lower fees, and convenience, while addressing concerns about security and stability. Dodi also discusses the best options for specific needs, such as maximizing savings, managing finances, or integrating with e-commerce platforms. He concludes by recommending the most suitable digital banks based on individual preferences and usage patterns.

Takeaways

• 😀 Digital banks are becoming popular due to higher interest rates and the convenience of conducting transactions directly from mobile phones.
• 😀 Digital banks offer interest rates higher than conventional banks, with some banks offering up to 8% annual interest on deposits.
• 😀 Although digital banks offer attractive interest rates, risks like bankruptcy and the absence of deposit insurance for higher rates must be considered.
• 😀 LPS insurance covers interest rates up to 4.25% per year, and interest on deposits is taxed at 20% for balances exceeding 250 million IDR.
• 😀 The financial health of digital banks is essential; as of November 2024, the four major digital banks (Si Bank, Bank Jago, Blue, and Neobank) all showed positive net profits.
• 😀 Si Bank reported the highest net profit, far ahead of its competitors, making it the most financially stable digital bank among the reviewed ones.
• 😀 Digital banks provide many advantages, including free transfers, higher interest rates, and no administrative fees, but financial stability and regulatory oversight are key for security.
• 😀 Bank Jago stands out for its budgeting features, offering 'pockets' to organize funds for specific purposes, such as emergency savings or travel.
• 😀 Si Bank offers up to 100 free transfers per month without a minimum balance requirement, making it the best option for those needing frequent transfers.
• 😀 When choosing a digital bank, consider its ecosystem and integration with e-commerce or services. For example, Cbank is great for Shopee users, while Bank Jago works well with Gojek, Tokopedia, and Bibit.
• 😀 Overall, each digital bank has its strengths: Chrome and Neobank offer the highest deposit interest rates, while Si Bank is the most financially stable, and Bank Jago excels in budgeting tools.

Q & A

What are the main reasons people are switching to digital banks in 2025?

People are moving to digital banks in 2025 mainly because they offer higher interest rates, more convenience, no need to visit branches, and easier management of transactions through mobile phones.

How do interest rates for savings and deposits in digital banks compare to traditional banks?

Digital banks offer significantly higher interest rates compared to traditional banks. For example, digital banks like Si Bank offer 3.5% per year, while traditional banks typically offer only 1-2% annually.

What is the maximum interest rate offered by the featured digital banks for deposits in 2025?

The maximum interest rates offered for deposits in 2025 are 8% per year by Neobank, and up to 8.75% per year by Chrome, though these higher rates may carry additional risks, such as lack of LPS protection.

What are some of the concerns people have regarding the safety of digital banks?

A major concern is whether digital banks are safe, especially regarding their potential to collapse. People worry about the security of their funds if the bank were to go bankrupt.

How can one assess the financial health of a digital bank?

One way to assess the financial health of a digital bank is by reviewing their profitability. If a bank is continuously making a profit, it is generally a good indicator of its stability.

Which digital bank is the most financially stable among those discussed in the video?

Si Bank is the most financially stable, with the highest net profit among the digital banks discussed, at Rp 359 billion as of November 2024.

How does the interest on savings accounts in digital banks get paid?

Interest on savings accounts in digital banks is typically paid daily or monthly, depending on the bank. For example, Si Bank and Neobank offer daily interest payments, while Blue and Bank Jago offer monthly payments.

What are the key features that make digital banks attractive for users?

Digital banks attract users with features like no admin fees, free transfers between banks, and higher interest rates on savings and deposits, making them a more convenient and cost-effective option.

How do digital banks compare in terms of transaction limits and fees?

Si Bank stands out for offering 100 free transfers per month without a minimum balance, while others like Bank Jago and Blue offer limited free transfers based on account balance.

What role do digital banks play in managing personal finances, and which one is best for budgeting?

Digital banks help with personal finance management by offering features like savings buckets (e.g., Bank Jago) for budgeting. Bank Jago is particularly recommended for users interested in organizing their finances with different categories like emergency funds or travel budgets.

Which digital bank is the best choice for people who shop online frequently?

For frequent online shoppers, Si Bank is the best choice because it integrates directly with platforms like Shopee, making transactions smoother and more convenient.

Which digital bank is best for those who frequently use services like Gojek or Tokopedia?

Bank Jago is the best option for users who frequently use services like Gojek, Tokopedia, or Bibit, as it offers integrations with these platforms, making transactions more seamless.