Bank Neo Commerce neobank review
Mobile banking for Indonesian personal savings, payments and business banking.
Reviewed by iTechGuides Editors · Editorial team · Updated Nov 2026
Bank Neo Commerce neobank is a mobile banking app from PT Bank Neo Commerce Tbk, based in Jakarta Selatan, Indonesia. It is aimed at Indonesian users who want personal savings alongside payments and business banking. The app supports digital savings accounts, including NOW Savings, and the bank also lists business savings and services for business banking. Some account products and services are available through branches, so the app is not the only channel for every service.
Savings and deposits are central to the product. NOW Savings pays interest daily; the bank’s April 2026 article states a rate of 4.00% p.a. and says rates may change. The bank also offers time deposits with selectable terms, with rates and terms differing by product. This makes the app relevant for people comparing everyday savings with deposits, but buyers should review current product terms rather than assume a fixed return. The bank says it is licensed and supervised by Indonesia’s Financial Services Authority and Bank Indonesia, and participates in Indonesia’s deposit insurance program.
For day-to-day use, neobank includes domestic bank transfers, including BI-FAST transfers, bill payments, top-ups and cardless cash withdrawals at supported locations and ATMs. Access is through Android and iOS, with phone and email support listed. The product is a fit for individuals and small businesses seeking app-based banking with savings, transfers and routine payments in one place. It is less suitable for buyers who need desktop access or integrations: the listed access is mobile-only and integrations are not established here. Fees vary by transaction and account product, so users should consider those charges alongside the savings terms.
Bank Neo Commerce neobank pros and cons
- Where it wins
- NOW Savings pays interest daily; the April 2026 rate is stated as 4.00% p.a.
- Offers time deposits, domestic transfers, bill payments and top-ups.
- Includes cardless withdrawals and business savings and banking services.
- Where it doesn't
- Mobile-only access limits use to Android and iOS apps.
- Savings rates can change, so returns may vary.
- Fees vary by transaction and account product.
Bank Neo Commerce neobank fact sheet, pricing and score →
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