Bank Jago vs Finom.
Bank Jago (B75/100) and Finom (F64/100), 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 | F Finom №45 · DNB 64 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 75 /100 | 64 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | 2.00% | 0.70% |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Full bank | E-money inst. DNB |
| Deposit guarantee Per depositor | €2,000,000,000 ID.LPS | Safeguarded EU.DGS.NL |
| Reach | ||
| Markets served Licensed jurisdictions | 1 country | 7 countries |
| Crypto Coins available | No | No |
| Stocks & ETFs Self-directed | No | No |
| UX | ||
| Trustpilot Customer score | — | 4.5 ★ 8k reviews |
| 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 Finom if…
The EU SMB-focused EMI platform that solves the multi-country invoicing-plus-accounting-integration problem better than Qonto, Wise Business, and Revolut Business — local IBAN issuance across NL/DE/FR/IT/ES/PL plus native DATEV / Lexoffice (Germany) and Pennylane (France) integrations is the workflow win for SMBs operating across multiple EU markets. The freelancer-plus-SMB onboarding is structurally paved across entity types (sole trader, GmbH, SARL, BV, SAS, Sp. z o.o., S.R.L.), making Finom the structural fit for German freelancers and EU operators who need country-specific local IBANs without running multiple bank relationships.
- Best for fees Finom won 1 of 4
- Best for protection Bank Jago won 2 of 2
- Best for reach Finom won 1 of 3
- Best for ux Finom won 1 of 2
Bank Jago vs Finom — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Bank Jago better than Finom?
Bank Jago and Finom are tied 3–3 across 12 dimensions under our v3 methodology. Composite scores: Bank Jago 75/100 vs Finom 64/100. The right pick depends on which dimension you weight most heavily.
Is Bank Jago or Finom cheaper?
Monthly fee — Bank Jago: €0; Finom: €0. Card FX markup — Bank Jago: 2.00%; Finom: 0.70%. Finom 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 Finom?
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. Finom holds a E-money inst. licence under DNB; deposit guarantee per depositor: Safeguarded. Bank Jago is the stronger pick on regulatory protection.
Where can I use Bank Jago and Finom?
Bank Jago operates in 1 country; Finom operates in 7 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.