Bank Jago vs Cash App.
Bank Jago (B75/100) and Cash App (C70/100), scored on the same six pillars and compared row-by-row. Every cell is sourced from licence registers and live pricing pages, not opinion. Cash App leads Bank Jago 6-3.
| B Bank Jago №22 · Full Indonesian banking licence 75 /100 | C Cash App №31 · FDIC 70 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 75 /100 | 70 /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 | Partner-bank FDIC |
| Deposit guarantee Per depositor | €2,000,000,000 ID.LPS | $250,000 US.FDIC |
| Reach | ||
| Markets served Licensed jurisdictions | 1 country | 2 countries |
| Crypto Coins available | No | 1 coins |
| Stocks & ETFs Self-directed | No | Yes |
| UX | ||
| Trustpilot Customer score | — | 1.6 ★ 50k reviews |
| App store iOS + Android avg | 4.5 ★ iOS 4.6 · And 4.5 | 4.8 ★ iOS 4.8 · And 4.7 |
| 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 Cash App if…
The largest US peer-to-peer payments + neobank hybrid by user count (~50M monthly actives). Block-owned, public via NYSE:XYZ. Bitcoin-native — was the first major US fintech to integrate BTC buy/sell. Partner-bank model via Sutton Bank means FDIC pass-through, not direct charter cover.
- Best for fees Cash App won 1 of 4
- Best for protection Bank Jago won 2 of 2
- Best for reach Cash App won 3 of 3
- Best for ux Cash App won 2 of 2
Bank Jago vs Cash App — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Bank Jago better than Cash App?
Under our v3 methodology, Cash App leads Bank Jago 6–3 across 12 dimensions. Composite scores: Bank Jago 75/100 vs Cash App 70/100. Cash App 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 Cash App cheaper?
Monthly fee — Bank Jago: €0; Cash App: €0. Card FX markup — Bank Jago: 2.00%; Cash App: Interbank. Cash App 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 Cash App?
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. Cash App holds a Partner-bank licence under FDIC; deposit guarantee per depositor: $250,000. Bank Jago is the stronger pick on regulatory protection.
Where can I use Bank Jago and Cash App?
Bank Jago operates in 1 country; Cash App operates in 2 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.