Bank Jago vs Liv..
Bank Jago (B75/100) and Liv. (L59/100), 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 Liv. 4-1.
| B Bank Jago №22 · Full Indonesian banking licence 75 /100 | L Liv. №53 · CBUAE 59 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 75 /100 | 59 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | 2.00% | 1.50% |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Full bank | E-money inst. CBUAE |
| Deposit guarantee Per depositor | €2,000,000,000 ID.LPS | Safeguarded AE.DPS |
| Reach | ||
| Markets served Licensed jurisdictions | 1 country | 1 country |
| Crypto Coins available | No | No |
| Stocks & ETFs Self-directed | No | No |
| 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 Liv. if…
First UAE digital-only bank — Emirates NBD subsidiary launched 2017. Targets millennials with free account + lifestyle features. Direct AE DPS cover via parent's CBUAE charter — structurally cleaner than partner-bank competitors.
- Best for fees Liv. won 1 of 4
- Best for protection Bank Jago won 2 of 2
- Best for reach Tied
- Best for ux Bank Jago won 1 of 2
Bank Jago vs Liv. — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Bank Jago better than Liv.?
Under our v3 methodology, Bank Jago leads Liv. 4–1 across 12 dimensions. Composite scores: Bank Jago 75/100 vs Liv. 59/100. 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 Liv. cheaper?
Monthly fee — Bank Jago: €0; Liv.: €0. Card FX markup — Bank Jago: 2.00%; Liv.: 1.50%. Liv. 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 Liv.?
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. Liv. holds a E-money inst. licence under CBUAE; deposit guarantee per depositor: Safeguarded. Bank Jago is the stronger pick on regulatory protection.
Where can I use Bank Jago and Liv.?
Bank Jago operates in 1 country; Liv. 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.