Bank Jago vs Aspire.
Bank Jago (B75/100) and Aspire (A70/100), 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 Aspire 4-3.
| A Aspire №37 · MAS 70 /100 | B Bank Jago №22 · Full Indonesian banking licence 75 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 70 /100 | 75 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | 0.30% | 2.00% |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Partner-bank MAS | Full bank |
| Deposit guarantee Per depositor | €100,000 SG.SDIC | €2,000,000,000 ID.LPS |
| Reach | ||
| Markets served Licensed jurisdictions | 8 countries | 1 country |
| Crypto Coins available | No | No |
| Stocks & ETFs Self-directed | No | No |
| UX | ||
| Trustpilot Customer score | 4.3 ★ 1k reviews | — |
| App store iOS + Android avg | 4.5 ★ iOS 4.6 · And 4.4 | 4.5 ★ iOS 4.6 · And 4.5 |
| Read review → | Read review → | |
Pick Aspire if…
The APAC-first multi-currency business-account platform for SaaS startups and e-commerce sellers — SG-HQ MAS Major Payment Institution with native multi-currency accounts (USD/SGD/EUR/GBP/IDR + HKD/AUD/IDR/MYR) plus local-currency receiving in 30+ countries and local account issuance in 6 jurisdictions (SG, HK, US, UK, EU, AU). Built for APAC startups taking USD revenue who need a SGD operating account without the friction of running Mercury (US) + a SG-bank relationship side-by-side. Stripe + Shopify + Xero integration depth makes Aspire the structural fit for SaaS / e-commerce / fintech operators in the region. MAS-licensed Major Payment Institution status is the structural anchor.
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.
- Best for fees Aspire won 1 of 4
- Best for protection Bank Jago won 2 of 2
- Best for reach Aspire won 1 of 3
- Best for ux Tied
Bank Jago vs Aspire — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Aspire better than Bank Jago?
Under our v3 methodology, Bank Jago leads Aspire 4–3 across 12 dimensions. Composite scores: Aspire 70/100 vs Bank Jago 75/100. Bank Jago is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is Aspire or Bank Jago cheaper?
Monthly fee — Aspire: €0; Bank Jago: €0. Card FX markup — Aspire: 0.30%; Bank Jago: 2.00%. Aspire 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, Aspire or Bank Jago?
Aspire holds a Partner-bank licence under MAS; deposit guarantee per depositor: €100,000. 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. Bank Jago is the stronger pick on regulatory protection.
Where can I use Aspire and Bank Jago?
Aspire operates in 8 countries; Bank Jago 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.