Bank Jago vs Chipper Cash.
Bank Jago (B75/100) and Chipper Cash (C62/100), scored on the same six pillars and compared row-by-row. Every cell is sourced from licence registers and live pricing pages, not opinion. A close tie.
| B Bank Jago №22 · Full Indonesian banking licence 75 /100 | C Chipper Cash №48 · FCA 62 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 75 /100 | 62 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | 2.00% | 1.00% |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Full bank | E-money inst. FCA |
| Deposit guarantee Per depositor | €2,000,000,000 ID.LPS | Safeguarded NG.NDIC |
| Reach | ||
| Markets served Licensed jurisdictions | 1 country | 9 countries |
| Crypto Coins available | No | 5 coins |
| Stocks & ETFs Self-directed | No | Yes |
| UX | ||
| Trustpilot Customer score | — | — |
| App store iOS + Android avg | 4.5 ★ iOS 4.6 · And 4.5 | 4.5 ★ iOS 4.4 · And 4.5 |
| Read review → | Read review → | |
Pick Bank Jago if…
Largest Indonesian neobank by users — ~9M Indonesians. OJK-regulated full bank, IDX-listed (ARTO). GoTo (Gojek + Tokopedia) major shareholder. Multi-pocket structure ('Jago Pockets'). Sharia-compliant Jago Syariah variant.
Pick Chipper Cash if…
Pan-African EMI — operates in 9+ African countries + UK + US. Multi-jurisdiction licensing means no single full-bank protection. ~5M users. Backed by Bezos Expeditions, Tiger Global. Anchors the pan-African angle alongside Mukuru.
- Best for fees Chipper Cash won 1 of 4
- Best for protection Bank Jago won 2 of 2
- Best for reach Chipper Cash won 3 of 3
- Best for ux Bank Jago won 1 of 2
Bank Jago vs Chipper Cash — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Bank Jago better than Chipper Cash?
Bank Jago and Chipper Cash are tied 4–4 across 12 dimensions under our v3 methodology. Composite scores: Bank Jago 75/100 vs Chipper Cash 62/100. The right pick depends on which dimension you weight most heavily.
Is Bank Jago or Chipper Cash cheaper?
Monthly fee — Bank Jago: €0; Chipper Cash: €0. Card FX markup — Bank Jago: 2.00%; Chipper Cash: 1.00%. Chipper Cash wins more fee rows (1 of 4). See the Fees section of the matrix above for ATM caps and the rest.
Which is safer for deposits, Bank Jago or Chipper Cash?
Bank Jago holds a Full bank licence under Full Indonesian banking licence (OJK regulated); LPS member, IDR 2,000,000,000 cover per depositor per institution. IDX-listed (ARTO). // TODO(verify).; deposit guarantee per depositor: €2,000,000,000. Chipper Cash holds a E-money inst. licence under FCA; deposit guarantee per depositor: Safeguarded. Bank Jago is the stronger pick on regulatory protection.
Where can I use Bank Jago and Chipper Cash?
Bank Jago operates in 1 country; Chipper Cash operates in 9 countries. Check each provider's signup page for the live country list — eligibility depends on residency, not just the licence footprint.
Want a 3- or 4-way comparison?
The dynamic compare picker handles up to four banks. Add this pair plus one or two more and we'll resolve every row.