Kakao Bank vs Bank Jago.
Kakao Bank (K78/100) and Bank Jago (B75/100), scored on the same six pillars and compared row-by-row. Every cell is sourced from licence registers and live pricing pages, not opinion. Kakao Bank leads Bank Jago 3-1.
| B Bank Jago №21 · Full Indonesian banking licence 75 /100 | K Kakao Bank №10 · KDIC 78 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 75 /100 | 78 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | 2.00% | Interbank |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Full bank | Full bank KDIC |
| Deposit guarantee Per depositor | €2,000,000,000 ID.LPS | €50,000,000 KR.KDIC |
| Reach | ||
| Markets served Licensed jurisdictions | 1 country | 1 country |
| Crypto Coins available | No | No |
| 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 4.6 · 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 Kakao Bank if…
Largest Korean digital bank by user count (~24M). Public on KOSPI since 2021. Deep integration with KakaoTalk messenger — distribution moat. Mini Stock fractional investing is a strong consumer-investing entry point.
- Best for fees Kakao Bank won 1 of 4
- Best for protection Bank Jago won 1 of 2
- Best for reach Kakao Bank won 1 of 3
- Best for ux Tied
Kakao Bank vs Bank Jago — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Bank Jago better than Kakao Bank?
Under our v3 methodology, Kakao Bank leads Bank Jago 3–1 across 12 dimensions. Composite scores: Bank Jago 75/100 vs Kakao Bank 78/100. Kakao Bank is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is Bank Jago or Kakao Bank cheaper?
Monthly fee — Bank Jago: €0; Kakao Bank: €0. Card FX markup — Bank Jago: 2.00%; Kakao Bank: Interbank. Kakao Bank 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 Kakao Bank?
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. Kakao Bank holds a Full bank licence under KDIC; deposit guarantee per depositor: €50,000,000. Bank Jago is the stronger pick on regulatory protection.
Where can I use Bank Jago and Kakao Bank?
Bank Jago operates in 1 country; Kakao Bank operates in 1 country. 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.