Bank Jago vs Nomo.
Bank Jago (B75/100) and Nomo (N52/100), scored on the same six pillars and compared row-by-row. Every cell is sourced from licence registers and live pricing pages, not opinion. Bank Jago leads Nomo 4-3.
| B Bank Jago №22 · Full Indonesian banking licence 75 /100 | N Nomo №68 · FCA 52 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 75 /100 | 52 /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 | Payment inst. FCA |
| Deposit guarantee Per depositor | €2,000,000,000 ID.LPS | Safeguarded GB.FSCS |
| Reach | ||
| Markets served Licensed jurisdictions | 1 country | 2 countries |
| 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 | 4.3 ★ iOS 4.4 · And 4.2 |
| 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 Nomo if…
Sharia-compliant digital bank — Boubyan Bank Kuwait digital arm via Bank of London + The Middle East (BLME, FCA-licensed). Cross-border GCC-UK money management. UK FSCS GBP 85K + Kuwait DPS via parent. Unique dual-passport structure.
- Best for fees Nomo won 1 of 4
- Best for protection Bank Jago won 2 of 2
- Best for reach Nomo won 2 of 3
- Best for ux Bank Jago won 1 of 2
Bank Jago vs Nomo — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Bank Jago better than Nomo?
Under our v3 methodology, Bank Jago leads Nomo 4–3 across 12 dimensions. Composite scores: Bank Jago 75/100 vs Nomo 52/100. Bank Jago 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 Nomo cheaper?
Monthly fee — Bank Jago: €0; Nomo: €0. Card FX markup — Bank Jago: 2.00%; Nomo: 1.00%. Nomo 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 Nomo?
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. Nomo holds a Payment 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 Nomo?
Bank Jago operates in 1 country; Nomo 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.