Bank Jago vs Conta Azul.
Bank Jago (B75/100) and Conta Azul (C45/100), 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 Conta Azul 5-1.
| B Bank Jago №22 · Full Indonesian banking licence 75 /100 | C Conta Azul №83 · BACEN 45 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 75 /100 | 45 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €89 /mo |
| 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 | Payment inst. BACEN |
| Deposit guarantee Per depositor | €2,000,000,000 ID.LPS | Safeguarded BR.FGC |
| 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 Conta Azul if…
BR accounting-first platform with the longest operating history in the SMB accounting category (14+ years). Recently expanded into integrated banking via BACEN payment-institution licence — Conta Azul Conta as a workflow extension of the accounting platform. The structural fit for BR Contador-mediated SMBs where the accounting workflow is the operational anchor and banking is the bolt-on, rather than BHub's banking-first integrated approach.
- Best for fees Tied
- 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 Conta Azul — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Bank Jago better than Conta Azul?
Under our v3 methodology, Bank Jago leads Conta Azul 5–1 across 12 dimensions. Composite scores: Bank Jago 75/100 vs Conta Azul 45/100. 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 Conta Azul cheaper?
Monthly fee — Bank Jago: €0; Conta Azul: €89. Card FX markup — Bank Jago: 2.00%; Conta Azul: Interbank. Tied across fee rows. See the Fees section of the matrix above for ATM caps and the rest.
Which is safer for deposits, Bank Jago or Conta Azul?
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. Conta Azul holds a Payment inst. licence under BACEN; deposit guarantee per depositor: Safeguarded. Bank Jago is the stronger pick on regulatory protection.
Where can I use Bank Jago and Conta Azul?
Bank Jago operates in 1 country; Conta Azul 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.