BCA mobile (m-BCA) still feels like the 2018 version it largely is. The app does daily transfers, QRIS, and cardless ATM well, but the rating sits at 4.0 because the rest of the ecosystem moved faster. BCA itself rolled out myBCA as a parallel super-app, which signals where this is heading. We compared seven BCA mobile alternatives that handle Indonesian daily banking with more recent feature sets.
If you are a BCA customer who wants a backup app, or someone reconsidering whether to keep the largest private bank as a primary, this guide is for you.
Quick comparison
| App | Best for | Free tier | Cost | Standout feature |
|---|---|---|---|---|
| myBCA | Same BCA account, newer UI | Free | Free intra-BCA | Multi-account, multi-currency, NFC Pay |
| BRImo | Wider rural reach | Free | Free transfers within BRI | 11-country remote onboarding |
| Livin’ by Mandiri | Cross-border use | Free | Free intra-Mandiri | 18-currency transfers, 12-currency forex account |
| wondr by BNI | Travelers | Free | Free within BNI | Single account, 12 currencies |
| SeaBank | Idle cash | Free | Free, 100 free transfers/month | 6% p.a. savings |
| Bank Jago | Budgeting | Free | Free, 25 free transfers/month | Up to 60 sub-accounts |
| Jenius | Polished digital UX | Free entry | ~Rp10,000/mo waivable | Save It, Pay Me, virtual cards |
Why people leave BCA mobile
The interface trails the SOE banks
m-BCA still asks for KlikBCA handoffs for heavier flows, the login screen keeps the BCA brand but very little else has changed in three years. SOE bank apps like BRImo and Livin’ redesigned twice in that window.
The 4.0 rating is the lowest in the big four
Reviews point to specific friction: NFC features only work on Android, push notifications drop on iOS, and the app does not always handle dual-SIM devices well. Wear OS is supported in myBCA but not in classic m-BCA.
BCA wants you on myBCA
myBCA is BCA’s strategic app and gets new features first. KlikBCA Smartphone still lives inside m-BCA for compatibility, but anyone starting fresh today should at least try myBCA. The dual-app reality is a soft signal that m-BCA is in maintenance mode.
BI-FAST transfers are not free
Several alternatives include a monthly free BI-FAST allowance. BCA charges per transfer once you cross to another bank.
The alternatives
myBCA — Best same-account upgrade
myBCA uses the same BCA ID and accounts but with a modern interface. The app supports up to 17 foreign currencies in Poket Valas, NFC Pay with your card, multi-platform access (mobile, web, Wear OS), and a Financial Diary that tracks history back to 2016. Investment from Rp10,000 in mutual funds and bonds sits inside the same dashboard.
Where it falls short: Rating is 3.8, partly because root and emulator detection blocks customers with modified ROMs. The “open new BCA account” flow is sometimes confused with the older m-BCA onboarding.
Pricing:
- Free: Account access, intra-BCA, QRIS, NFC Pay
- Paid: Standard interbank transfer fees outside free quota
- vs BCA mobile: Same fees, much more modern app
Migrating from BCA mobile: Same BCA ID logs into both. You can run them on the same phone. Saved payees auto-sync.
Bottom line: If you are staying with BCA, switch to myBCA. There is no reason to keep m-BCA as your primary.
BRImo — Best for nationwide and rural coverage
BRImo runs on 93 million installs and supports remote registration from 11 countries, including Saudi Arabia, the UAE, Hong Kong, Japan, and Singapore. The strongest case for BRImo over BCA mobile is geographic: BRI’s branch and AgenBRILink network reaches villages where BCA does not. International transfer to 160+ countries is built in.
Where it falls short: Maintenance windows around payroll dates are well documented. Push notifications can lag during peak load.
Pricing:
- Free: Account opening, intra-BRI, QRIS, free BI-FAST quota
- Paid: Beyond the quota, standard transfer fees
- vs BCA mobile: BRImo includes a monthly free BI-FAST allowance, BCA does not
Migrating from BCA mobile: Open a BRI account from the app via video verification. The two coexist without conflict.
Bottom line: The best second app for anyone whose family or business operates outside Java’s metros.
Livin’ by Mandiri — Best for international transfers
Livin’ by Mandiri sends money in 18 currencies to 29 countries, supports QRIS in five Asian countries, and tap-to-pay works domestically and abroad. The Forex account holds 12 currencies and can be the source of fund for daily spending without manual conversion.
Where it falls short: Rating is 4.1, slower updates than the digital-first banks. Auto bill payment is solid but buried.
Pricing:
- Free: Intra-Mandiri, QRIS, basic transfers
- Paid: BI-FAST fees outside the free allowance, FX spread on currency conversion
- vs BCA mobile: Stronger for international, similar domestic cost
Migrating from BCA mobile: Sign up via in-app video verification with e-KTP.
Bottom line: Pick Livin’ if your spending crosses borders more than a few times a year.
wondr by BNI — Best newer super-app
wondr by BNI is BNI’s reset of the mobile banking experience. One account, 12 currencies, QRIS Cross-Border, BIONS investment integration. It feels like myBCA’s closest peer in design intent.
Where it falls short: Smaller install base means edge cases get less attention. Migration from older BNI Mobile is straightforward but adds a step.
Pricing:
- Free: Account, transfers within BNI, QRIS local and Cross-Border
- Paid: FX spread on conversion
- vs BCA mobile: Comparable daily, cheaper for cross-border
Migrating from BCA mobile: Standard onboarding via e-KTP video.
Bottom line: Strong alternative if you want a modern UI without leaving the SOE bank ecosystem.
SeaBank — Best for savings rate
SeaBank pays 6% per annum on regular savings and gives 100 free BI-FAST transfers per month. The Shopee integration includes free ShopeePay top-ups and zero-fee Virtual Account checkout on Shopee.
Where it falls short: No branches. Cash withdrawals only at Indomaret.
Pricing:
- Free: Account, debit card, 100 transfers/month
- Paid: Beyond the free quota, fees apply
- vs BCA mobile: Better as a savings home, worse for in-person service
Migrating from BCA mobile: Open SeaBank in-app, transfer in via BI-FAST.
Bottom line: Use SeaBank for parked cash, BCA mobile for your daily account.
Bank Jago — Best for sub-accounts and shared spending
Bank Jago uses “Kantong” sub-accounts (up to 60) with shared Kantong for joint spending (up to 25 people). It pairs with GoPay for easy top-ups inside the GoTo ecosystem.
Where it falls short: Savings rate is not headline-grabbing. Loans are still narrow.
Pricing:
- Free: Account, debit card, 25 free transfers/month
- Paid: Beyond the quota, standard fees
- vs BCA mobile: Better budgeting tools, similar daily fees
Migrating from BCA mobile: Standard in-app onboarding.
Bottom line: Pick Jago if budgeting and shared expense tracking matter.
Jenius — Best for polished digital-first banking
Jenius from SMBC Indonesia keeps the cleanest UX of any Indonesian digital-first bank. Save It buckets, Send It and Pay Me requests, plus virtual cards for subscriptions. Multi-currency wallets cover USD, SGD, JPY, EUR, AUD, GBP, HKD, and CNY.
Where it falls short: Feesight monthly admin fee of roughly Rp10,000 unless balance or salary waivers apply. Customer base smaller than the SOE banks.
Pricing:
- Free: Account, basic transfers within Jenius
- Paid: Feesight ~Rp10,000/mo, waivable
- vs BCA mobile: Better UX, slightly more expensive at low balances
Migrating from BCA mobile: All-app onboarding, order the m-Card by post.
Bottom line: The pick for design-conscious users who do not want to compromise on app quality.
How to choose
Pick myBCA if you want the same BCA account in a modern app. There is no reason to stay on m-BCA otherwise. Pick BRImo if your family or business has roots outside Java’s metros, where BRI’s reach is unmatched. Pick Livin’ by Mandiri for serious international use.
Pick wondr by BNI as a fresh second account that pairs well with travel. Pick SeaBank for the savings rate. Pick Bank Jago for budgeting and shared accounts. Pick Jenius when polish matters and a small admin fee is acceptable.
Stay on BCA mobile only if you are running a long-standing setup, have automatic billers tied to BCA, and do not want to migrate them. Even then, install myBCA and use it in parallel.
FAQ
Is myBCA replacing BCA mobile?
BCA has not announced sunset, but myBCA is where new features ship first. Treat m-BCA as legacy and myBCA as the path forward inside BCA.
Which app has the best interest rate?
SeaBank’s regular savings at 6% p.a. is the highest among the seven. Bank Jago and Jenius offer competitive but lower base rates. BCA savings are around 0.10% to 1.25% depending on tier.
Can I use BCA QRIS on these alternatives?
QRIS is interoperable. Any QRIS-enabled wallet or bank app accepts payment at any QRIS sticker. The receipt and merchant settle separately.
What is the closest free alternative to BCA mobile?
myBCA is free with the same BCA account. SeaBank and Bank Jago have no monthly fee, a free transfer allowance, and no minimum balance.
Can I keep BCA and add a second bank app safely?
Yes. Indonesian banking apps are sandboxed per package. As long as each app has its own PIN or biometric and you only install from official stores, running two or three is normal.
Are these all OJK-supervised?
All seven banking apps are licensed and supervised by Otoritas Jasa Keuangan (OJK) and join Lembaga Penjamin Simpanan (LPS) deposit insurance.
