SoFi vs Bank Jago.
SoFi (S79/100) 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. SoFi leads Bank Jago 5-1.
| B Bank Jago №22 · Full Indonesian banking licence 75 /100 | S SoFi №07 · OCC 79 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 75 /100 | 79 /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 OCC |
| Deposit guarantee Per depositor | €2,000,000,000 ID.LPS | $250,000 US.FDIC |
| Reach | ||
| Markets served Licensed jurisdictions | 1 country | 1 country |
| Crypto Coins available | No | No |
| Stocks & ETFs Self-directed | No | Yes |
| UX | ||
| Trustpilot Customer score | — | 3.6 ★ 12k reviews |
| App store iOS + Android avg | 4.5 ★ iOS 4.6 · And 4.5 | 4.7 ★ iOS 4.8 · And 4.6 |
| 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 SoFi if…
Pick if you want the best US savings yield from an OCC-chartered bank with a clean account experience.
- Best for fees SoFi won 1 of 4
- Best for protection Bank Jago won 1 of 2
- Best for reach SoFi won 1 of 3
- Best for ux SoFi won 2 of 2
SoFi 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 SoFi?
Under our v3 methodology, SoFi leads Bank Jago 5–1 across 12 dimensions. Composite scores: Bank Jago 75/100 vs SoFi 79/100. SoFi 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 SoFi cheaper?
Monthly fee — Bank Jago: €0; SoFi: €0. Card FX markup — Bank Jago: 2.00%; SoFi: Interbank. SoFi 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 SoFi?
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. SoFi holds a Full bank licence under OCC; deposit guarantee per depositor: $250,000. Bank Jago is the stronger pick on regulatory protection.
Where can I use Bank Jago and SoFi?
Bank Jago operates in 1 country; SoFi 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.