SeaBank review
A free Indonesian mobile bank for savings, QRIS payments and Shopee-linked spending.
Reviewed by iTechGuides Editors · Editorial team · Updated Nov 2026
SeaBank is a mobile digital bank from PT Bank SeaBank Indonesia, designed for Indonesian users who want savings and everyday transaction services in one app. Its listed features include QRIS payments, transfers, bill payments, mobile credit purchases, ShopeePay top-ups, and cash deposits or withdrawals at supported convenience stores. A business banking account is also offered, making the product relevant to solo operators and small businesses as well as personal users. The app is available on Android and iOS.
The published account features make SeaBank especially suited to people who already use Shopee or QRIS. Shopee virtual account payments and ShopeePay top-ups connect its banking services to Shopee-related activity, while QRIS supports scan-to-pay transactions. Transfers include payments to other SeaBank accounts; bill payment, mobile credit purchases, and supported-store cash access broaden its everyday use. This is a focused mobile banking offering, not a general-purpose international payments product.
SeaBank is listed as free, with no paid software tiers: its public materials describe bank account features and fees rather than subscription plans. The bank advertises savings interest with daily crediting. Its official savings page states 3.5% p.a., while the app listing advertises up to 6% p.a.; rates may vary. SeaBank says it is licensed and supervised by Indonesia’s Financial Services Authority and Bank Indonesia, and participates in the country’s deposit-insurance program. Phone and email support are listed, along with 24/7 support and two-factor authentication. Choose it for mobile savings and local transactions tied to QRIS and Shopee; look elsewhere if international transfers are central to your needs.
SeaBank pros and cons
- Where it wins
- Free banking for savings, transfers, bills and QRIS payments
- Supports ShopeePay top-ups and Shopee virtual account payments
- Offers cash deposits and withdrawals at supported convenience stores
- Where it doesn't
- Mobile-only access on Android and iOS
- Savings rates may vary across published materials
- International transfer capabilities are not verified
SeaBank fact sheet, pricing and score →
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