Online accounts and neobanks in Indonesia for business

Snapshot

Indonesia has a large licensed digital bank sector supervised by the OJK, including SeaBank, Bank Jago, Superbank, Blu by BCA Digital, Jenius by BTPN, Allo Bank, and Bank Neo Commerce. Most are built for consumers, so dedicated business or SME accounts are limited and vary by bank. Deposits at licensed banks are guaranteed by the LPS up to IDR 2 billion per customer per bank. International providers such as Airwallex and Payoneer add cross border features.

Licensed digital banks: SeaBank, Bank Jago, Superbank, Blu, Jenius, Allo Bank, and others
Business accounts: Limited, many digital banks are consumer focused, verify SME options
Deposit protection: LPS guarantee up to IDR 2 billion per customer per bank
Cross border: Airwallex and Payoneer for foreign currency collection and payouts

Fees and features as of 21 June 2026Last reviewed 21 June 2026

General information, not financial, legal, or tax advice. Verify current terms and eligibility with the provider before applying.

As of 21 June 2026, Indonesia has a fast growing set of licensed digital banks supervised by the OJK, including SeaBank, Bank Jago, Superbank, Blu by BCA Digital, Jenius by BTPN, Allo Bank, and Bank Neo Commerce. Most are designed for consumer saving and payments, so dedicated business or SME accounts are limited and vary by bank. A registered company that needs a corporate account often still opens with an established bank such as BCA, Mandiri, or BNI, and uses a digital bank SME product where one is offered. Confirm what each bank opens for a PT or PT PMA.

The digital banking landscape

Licensed digital banks in Indonesia have grown quickly. SeaBank sits in the Shopee ecosystem, and Bank Jago is backed by the GoTo group, which includes Gojek and Tokopedia. Others include Superbank, Blu by BCA Digital, Jenius by BTPN, Allo Bank, and Bank Neo Commerce. All are supervised by the OJK. As of 21 June 2026.

Are these business accounts

Most digital banks focus on consumer savings and payments. A registered company that needs a corporate account usually still opens with an established bank such as BCA, Mandiri, or BNI, or uses a digital bank SME product where one is offered. Check whether a given bank opens accounts to a PT or a PT PMA before you apply. As of 21 June 2026.

International online accounts

For cross border collection and payouts, Airwallex and Payoneer provide online business accounts that work alongside a local rupiah account rather than replacing it. They are useful for receiving foreign currency from clients and marketplaces abroad. As of 21 June 2026.

Deposit protection

Deposits at OJK licensed banks, including digital banks, are guaranteed by the Deposit Insurance Agency, known as the LPS, up to IDR 2 billion per customer per bank, the same as conventional banks. Verify the current limit with the bank. As of 21 June 2026.

Compare business accounts available in Indonesia

These providers serve business customers in Indonesia. Fees and eligibility shown as of 21 June 2026. Confirm current terms with the provider before applying.

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Questions about online accounts and neobanks in Indonesia

Which digital banks operate in Indonesia?

Licensed digital banks supervised by the OJK include SeaBank, Bank Jago, Superbank, Blu by BCA Digital, Jenius by BTPN, Allo Bank, and Bank Neo Commerce, among others. As of 21 June 2026.

Can a business open a neobank account in Indonesia?

Many digital banks are consumer focused, so dedicated business or SME accounts are limited and vary by bank. A registered company often still opens with BCA, Mandiri, or BNI, or uses a digital bank SME product where available. Confirm with the bank.

Are digital bank deposits protected?

Yes. Deposits at OJK licensed banks, including digital banks, are guaranteed by the LPS up to IDR 2 billion per customer per bank, the same as conventional banks. As of 21 June 2026.

What about cross border online accounts?

International providers such as Airwallex and Payoneer offer online business accounts for foreign currency collection and payouts that work alongside a local rupiah account. As of 21 June 2026.

Fees, features, and eligibility change and vary by region. This page was last reviewed on 21 June 2026. Confirm current terms with the provider before applying.