Your cookie choices

We use necessary cookies to make this site work. With your permission, analytics cookies help us understand usage and marketing cookies support advertising.

You can reject non-essential cookies and still use the site. Change your choices anytime in Cookie settings.

Cookie settingsCookie policy

Bank Neo Commerce review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.

Our verdict

Bank Neo Commerce suits existing Indonesian bank customers who want a quick personal or business loan without an upfront charge. Its IDR 100,000,000 ceiling and a 12 term make it a practical fit for a planned purchase, and the Rp 0 (no admin fee) arrangement charge keeps the cost side simple.

Key facts

Best for
Existing Bank Neo Commerce customers covering a planned purchase or a business need.
Loan amount
IDR 100,000,000↗
Term
12 months↗
Arrangement fee
Rp 0 (no admin fee)↗
Funding time
Disbursed directly to the customer's account after approval↗
Rate type
Fixed↗
Lender type
Direct lender↗
Eligibility
Open to all Bank Neo Commerce customers; individual who needs quick funds for daily or emergency needs↗
Origination fee (%)
0%↗
Loan types
Personal, Business↗
Legal entity
PT Bank Neo Commerce Tbk↗
Headquarters
Indonesia↗
Founded
1990 to 2020↗
Support channels
Phone, Email, Chat, Help-centre↗
Features
Same-day funding
Official website
bankneocommerce.co.id

Facts checked September 26, 2026, 3 sources

Apps and profiles

Elsewhere
LinkedIn

Pros and cons

Pros

  • No upfront charge: the arrangement fee is Rp 0 (no admin fee) and the percentage fee is 0%.
  • Borrowing runs up to IDR 100,000,000, well above the site median of €526.18.
  • same day funding is included, and money goes straight to your account after approval.
  • Fixed rate of fixed pricing over a 12 term, so repayments stay level.

Cons

  • The term is 12, which is shorter than the site median of 36.
  • Lending covers only personal and business, with no wider loan types listed.
  • Support runs on phone, email and chat only.

Ready to try Bank Neo Commerce?

Scored 9.5 / 10 by SumCue.

See alternatives

Who it suits

  • Existing Bank Neo Commerce customers in Indonesia
  • Anyone covering a planned purchase rather than a long running cost
  • Small business owners borrowing for stock or equipment

Who should look elsewhere

  • People who need a longer repayment period than 12
  • Borrowers outside Indonesia, since the bank is based in Indonesia
  • Large purchases, since borrowing stops at IDR 100,000,000

How it compares on our data

On loan amount, Bank Neo Commerce ranks 147 out of 665 brands, helped by a ceiling of IDR 100,000,000 that sits well above the site median of €526.18. On term, it ranks 160 out of 226, because 12 is shorter than the site median term of 36. The picture is a lender built for one settled need, not for spreading a debt over years.

How Bank Neo Commerce compares

Where Bank Neo Commerce is available

Available
Indonesia
Licence in Indonesia
Otoritas Jasa Keuangan (OJK), checked September 26, 2026
Licence in Indonesia
Bank Indonesia (BI), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

Is there an arrangement fee on a Bank Neo Commerce loan?+

No upfront charge is listed. The arrangement fee is Rp 0 (no admin fee) and the percentage fee is 0%, so nothing is added on top when the loan is set up. Repayment cost sits in the interest rate itself, which is fixed.

How much can I borrow from Bank Neo Commerce?+

Borrowing runs to a maximum of IDR 100,000,000. That is well above the site median of €526.18, which makes the product a decent fit for a settled purchase or a business investment. Lending covers personal and business needs.

How long do I have to repay?+

The stated term is 12, a single repayment period rather than a choice. That is shorter than the site median term of 36, so monthly payments are higher on a larger balance.

How quickly does the money arrive?+

An approved loan comes with same day funding: Disbursed directly to the customer's account after approval. Because Bank Neo Commerce is a direct lender, the balance reaches you without an intermediary adding delay or taking a cut, and you keep the same bank for the whole arrangement.

How safe is my money with this bank?+

Bank Neo Commerce operates as PT Bank Neo Commerce Tbk in ID under Otoritas Jasa Keuangan (OJK) and Bank Indonesia (BI), so it is supervised in its home market. Your account and balance stay with the bank rather than a third party.

Who can apply for a Bank Neo Commerce loan?+

You need to bank with Bank Neo Commerce already, and the product is aimed at individuals who suddenly need money for everyday costs or for a business need. Existing customers apply directly, and the bank is based in Indonesia.

What support can I reach if something goes wrong?+

You can reach the team through phone, email and chat, so phone, email, chat and a help centre are all open to you. A question about a specific repayment or a disbursement is easier to settle on a call, while the help centre covers general questions.

Do these loans suit a long running cost?+

Less so. A 12 term at a fixed rate suits a single settled expense, since there is no longer period listed to spread a balance. Lenders offering multi year terms may fit recurring costs better.

Sources

Compiled from 3 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: APR, Credit check, Representative example.

Bank Neo Commerce

Existing Bank Neo Commerce customers covering a planned purchase or a business need.

9.5/10See alternatives