neobank by BNC Digital

Digital Banking for All Your Financial Needs

neobank is a digital banking service from PT Bank Neo Commerce Tbk that lets you save, manage your money, invest, make transfers, pay bills, top up e-wallets, make QRIS payments, and apply for digital loans, all in one app.

Enjoy practical banking for your everyday financial needs.

What can you find on neobank?

NOW Savings
Earn 4.00% interest per year, paid daily. Get up to 200 free interbank transfers per month based on your Neo Membership level. No initial deposit or monthly administration fee is required while your account remains active.


WOW Time Deposit
Start with Rp100,000 and earn interest of up to 7.25% per year. Choose a term from 7 days to 12 months, with automatic renewal options available subject to applicable terms and conditions.

Flexi Time Deposit
Earn interest of up to 7% per year. You can withdraw your deposit before maturity without a penalty, subject to applicable terms and conditions.

Neo Membership
Enjoy five membership levels: Citizen, Expert, Master, Hero, and Legend. Benefits include up to 200 free transfers per month and weekly coupons for bill discounts of up to Rp10,000. Benefits are subject to applicable terms and conditions.

Neo Loan
Apply for a digital loan with a credit limit of up to Rp100 million and a repayment term of up to 12 months. Approval and disbursement are subject to credit assessment and applicable terms and conditions.

Transfers and Payments
Make interbank transfers, pay through Virtual Accounts (VA), and complete other financial transactions directly in the neobank app.

QRIS
Scan QRIS codes to pay at participating merchants. Enjoy exclusive merchant discounts, Random Diskon, and Payday promotions, subject to applicable terms and conditions.

Neo Gold
Buy and sell digital gold starting from Rp10,000. Track gold price movements in real time through the neobank app.

Mutual Funds
Start investing in mutual funds from Rp10,000 through neobank's partners. Investments carry risks, and returns are not guaranteed.

Neo Green
A savings product that supports environmental conservation through contributions to conservation initiatives, subject to program terms.

Insurance
Explore insurance products for your protection needs through the neobank app. Products are provided by the respective insurance companies, with benefits subject to policy terms and conditions.

Cardless Cash Withdrawal
Withdraw cash without a card at supported Indomaret stores and ATMs on the Prima network. Simply follow the instructions in the app.

Bills and Top-Ups
Pay bills and top up a wide range of services, including e-wallets, mobile airtime and data packages, PLN electricity tokens and bills, PDAM water bills, BPJS contributions, internet and cable TV, postpaid phone bills, game vouchers, credit card bills, Land and Building Tax (PBB), electronic vehicle tax (E-Samsat), education fees, and donations.

Neo Coins
Earn Neo Coins through eligible activities and promotions. Redeem them for available offers in accordance with the applicable program terms and conditions.

neobank PLUS
Enjoy special promotions from October to December 2026:
PLUS Free Transfers: Free transfers based on your Neo Membership level.
PLUS Discounts: Offers on e-wallet top-up fees and the Growth program, subject to applicable terms and conditions.
PLUS Interest Rates: Special interest rates on WOW Time Deposits during the campaign period.
PLUS Cashback: A chance to earn cashback when using Neo Loan, subject to applicable terms and conditions.


Explore digital banking services and neobank PLUS offers in the neobank app.

PT Bank Neo Commerce Tbk is licensed and supervised by the Financial Services Authority (OJK) and Bank Indonesia (BI), and is a participant in the deposit insurance program administered by the Indonesia Deposit Insurance Corporation (LPS), in accordance with applicable regulations.