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Reviews / Bank Jago Edition №07 · 11 March 2026 · 1,700 words

Bank Jago,
reviewed.

Indonesian digital full bank — OJK-licensed, IDX-listed (ARTO). Embedded inside Gojek + Tokopedia (GoTo Group) for super-app distribution.

Editor
Stephan Kulik
Founded
2021
EU customers
9.0 M
min read
7 / ~1,700
Disclosure Bank Jago does not pay us a referral fee. This review is purely editorial. See the methodology → bank-jago · no_commission
87/100
Bank Jago is a full Indonesian bank — OJK licence, LPS cover, GoTo super-app distribution. The default ID digital bank.
Rank #17 / 60APAC digital full-bank
CategoryAPAC digital full-bank
LicenceFull
Bank JagoEdition №07
Licence
Full credit institution
OJK (Indonesia Financial Services Authority)
Deposit protection
IDR 2,000,000,000 (LPS)
LPS (Lembaga Penjamin Simpanan)
Customers (EU)
9.0 M
As of 2026-Q1 — // TODO(verify)
IBAN
ID (IDR)
IDR primary; embedded in Gojek + Tokopedia
01
Reviews

Bank Jago, in full.

What Bank Jago is, in 2026

Indonesian digital full bank, OJK-licensed (originally Bank Artos, founded 1992; rebranded to Jago in 2021). IDX-listed (ARTO). GoTo Group strategic stake.

Safety and regulation

Direct OJK full-bank licence; LPS member with IDR 2,000,000,000 per-depositor cover.

Who Bank Jago is for

Use Bank Jago if: you're an ID resident already inside the GoTo (Gojek + Tokopedia) super-app ecosystem. Use Mandiri/BCA digital arms if you prefer legacy distribution.

02
Pricing

Bank Jago's plans, side by side.

Jago Account
Custom /mo
Free — OJK full bank
  • Free — OJK full bank
03
Scorecard

How we got to 87.

87/100
Same six dimensions we apply to every neobank in the index. Weights published; unchanged within an edition.
Regulation & safetyLicence class · DGS · resilience
25%88
Pricing & feesTransparent and competitive
20%88
Hands-on UXExtended primary-account test
20%85
FeaturesVaults · stocks · crypto · insurance
15%90
App stores iOS 4.6 · Android 4.5
10% 91
04 — Verdict

The default Indonesian digital bank for super-app users.
Full OJK licence; LPS-covered. GoTo + Gojek embedded distribution.

Bank Jago is an Indonesian digital full bank — OJK-licensed, IDX-listed (ARTO). Founded as Bank Artos (1992); rebranded to Jago in 2021 after the GoTo/Gojek strategic stake. Embedded distribution inside Gojek + Tokopedia (GoTo Group). Free Jago account, multi-pocket savings, LPS cover up to IDR 2,000,000,000 (~USD 130K) per depositor. The default Indonesian digital bank for readers already inside the GoTo super-app ecosystem. Use Bank Jago if you're an ID resident inside Gojek/Tokopedia; use traditional Mandiri/BCA digital arms instead if you prefer legacy distribution.

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Edition №07 · Updated 11 March 2026