Bank Jago vs Discover Bank.
Bank Jago (B75/100) and Discover Bank (D60/100), 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 Discover Bank 3-2.
| B Bank Jago №22 · Full Indonesian banking licence 75 /100 | D Discover Bank №51 · OCC 60 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 75 /100 | 60 /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 | Payment inst. OCC |
| Deposit guarantee Per depositor | €2,000,000,000 ID.LPS | Safeguarded US.FDIC |
| 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 | 4.8 ★ 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 Discover Bank if…
OCC-chartered direct bank, integrated with the Discover Card network. Famous for zero foreign-transaction fees + 1% cashback debit. Fully FDIC-insured. The card-network-integrated alternative to Ally for travellers + cashback-driven readers.
- Best for fees Discover Bank won 1 of 4
- Best for protection Bank Jago won 2 of 2
- Best for reach Tied
- Best for ux Discover Bank won 1 of 2
Bank Jago vs Discover Bank — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Bank Jago better than Discover Bank?
Under our v3 methodology, Bank Jago leads Discover Bank 3–2 across 12 dimensions. Composite scores: Bank Jago 75/100 vs Discover Bank 60/100. 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 Discover Bank cheaper?
Monthly fee — Bank Jago: €0; Discover Bank: €0. Card FX markup — Bank Jago: 2.00%; Discover Bank: Interbank. Discover Bank 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 Discover Bank?
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. Discover Bank holds a Payment inst. licence under OCC; deposit guarantee per depositor: Safeguarded. Bank Jago is the stronger pick on regulatory protection.
Where can I use Bank Jago and Discover Bank?
Bank Jago operates in 1 country; Discover Bank 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.