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Superbank review

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

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Our verdict

Superbank runs an app-based Indonesian savings account paying 5% on a variable basis with no minimum deposit, plus a personal loan at a base rate of 9.5%. It suits Indonesian savers who want daily access to their money and a same-day credit line from the same app.

Key facts

Best for
A fee-free Indonesian savings account with a same-day personal loan attached.
Headline rate
5%↗
Rate type
Variable↗
Minimum deposit
IDR 0↗
Access terms
Easy access, Tabungan Utama account opened automatically on registration through the Superbank app, no initial deposit and no minimum balance↗
Monthly fee
IDR 0↗
Account kind
Easy access↗
Legal entity
PT Super Bank Indonesia Tbk↗
Headquarters
Indonesia↗
Founded
1993↗
Support channels
Chat, Phone, Email, Help-centre↗
Pricing model
No monthly fee
Official website
superbank.id

Loans

APR
9.5%↗
Loan amount
IDR 200,000 to IDR 100,000,000↗
Arrangement fee
Admin fee starts from 2.90%, deducted directly from the disbursement amount↗
Funding time
Maximum 1x24 hours, after all documents/bank requirements have been fulfilled↗
Lender type
Direct lender↗
Free early repayment
Yes↗
Eligibility
Age between 21 - 65 years old, Indonesian citizens, e-KTP, monthly income of IDR 2,000,000.00, comply with applicable Bank credit policies↗
Origination fee (%)
2.9%↗
Loan types
Personal, Credit-line↗
Features
Same-day funding, Credit line

Facts checked September 26, 2026, 7 sources

Apps and profiles

Get the app
App Store
Elsewhere
WikidataLinkedInX

Pros and cons

Pros

  • Pays 5% on savings, above the site median 3%.
  • The account is easy access and opens itself on registration in the app, so cash stays reachable.
  • The loan carries same day funding and credit line, and early repayment carries no charge.
  • Support runs on chat, phone and email, with phone and chat both listed.

Cons

  • The rate is variable, so the 5% headline can move without notice.
  • A loan loses 2.9% to an admin fee before the money lands, on top of interest at 9.5%.
  • The eligibility rules narrow borrowing to adults who are Indonesian citizens holding an e-KTP and meeting a monthly income floor.
Superbank

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Scored 9.4 / 10 by SumCue.

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Who it suits

  • Indonesian savers who want access at any time without a monthly charge.
  • Borrowers who need money the same day and can clear the balance early without a penalty.
  • People who want the balance and the credit line in one app.

Who should look elsewhere

  • Wise, if the money needs to work across markets rather than sit in one Indonesian account.
  • bunq, for a euro account: its headline rate is 3.01% against Superbank's 5%.
  • Finteres, if the top of its range of 0% to 36% appeals more than Superbank's 5%.

Fees and FX

On the savings side there is no minimum deposit at IDR 0 and no monthly charge at IDR 0, so holding a balance costs nothing. The borrowing product is where money leaves: an origination fee of 2.9% is deducted from the amount before it reaches you, and early repayment on that loan is free.

Rates and card terms

The savings account pays 5% on a variable basis, so the return moves rather than staying locked. Borrowing is priced separately at a base credit rate of 9.5%, charged across the bank's lending products. The two numbers sit side by side, and the savings figure is the one that changes over time.

How Superbank compares

Where Superbank is available

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

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

Frequently asked questions

What rate does Superbank pay on savings?+

The savings account pays 5%, and the rate type is variable, so the number follows the bank's own pricing and can move. It reads above the site median 3% for this family of accounts, though nothing holds the rate in place for a fixed period.

What does it cost to hold money here?+

There is no minimum deposit at IDR 0 and no monthly charge at IDR 0 on the savings side, so keeping a balance open costs nothing. Fees appear on the loan instead, where an admin fee of 2.9% comes out of the amount before it reaches you.

What kind of account is it and how do I open one?+

The account is easy access, and the Tabungan Utama account opens automatically when you register through the Superbank app. There is no initial deposit and the minimum balance sits at IDR 0, so you can build up at your own pace rather than committing a sum on day one.

Who runs the account and which regulators list it?+

The bank is PT Super Bank Indonesia Tbk, based in Indonesia and trading as Superbank, regulated in Indonesia by OJK and Bank Indonesia. Lending runs direct rather than through a broker, so the contract, the rate and the repayment terms all come from the same institution.

How much can I borrow and what does it cost?+

Borrowers can take IDR 200,000 to IDR 100,000,000 as a personal loan or a credit line, priced at a base credit rate of 9.5%. An origination fee of 2.9% is deducted from the disbursement, so the amount landing in the account is smaller than the amount approved.

How fast is funding and can I repay early?+

Funding is targeted within a day of a complete file, once all documents and bank requirements are met, and same day funding and credit line come as standard on the loan. Early repayment carries no charge, so the balance can be cleared as soon as the money allows.

How do I get help?+

Help runs through chat, phone and email, so the bank is reachable by chat, by phone, by email or in the help centre. The app handles everyday questions, and the phone line covers cases where an app message is not enough.

Sources

  • play.google.com/store/apps/details checked September 26, 2026

    Backs: Pricing model, Monthly fee, Support channels

    “Hassle-free account opening with no monthly admin fees and no minimum balance required”

  • superbank.id/en checked September 26, 2026

    Backs: Funding time, Lender type

    “maximum 1x24 hours, after all documents/bank requirements have been fulfilled”

  • superbank.id/en/produk-layanan/pinjaman/pinjaman-atur-sen... checked September 26, 2026

    Backs: Loan amount, Eligibility, Features, Free early repayment, Loan types, Arrangement fee, Origination fee (%)

    “Pinjaman Atur Sendiri: Credit Limit up to Rp 100 million ... You can withdraw loans starting from IDR 200,000”

  • superbank.id/en/produk-layanan/pinjaman/suku-bunga-dasar-... checked September 26, 2026

    Backs: APR

    “Prime Lending Rate (SBDK) (%) Retail 9.50% (COF + Overhead + Margin), effective starting September, 1st 2026”

  • superbank.id/biaya-limit checked September 26, 2026

    Backs: Headline rate, Legal entity, Rate type, Licences

    “Suku Bunga Tabungan, Saku, Celengan, dan OVO Nabung - Tabungan Utama 5%* p.a.; berlaku sejak 6 Januari 2025 (Tabungan Utama savings interest 5% per annum, effective since 6 January 2025)”

  • superbank.id/produk-layanan/tabungan/tabungan checked September 26, 2026

    Backs: Access terms, Account kind, Minimum deposit

    “Bebas biaya admin, tanpa setoran awal dan saldo minimum (free of admin fees, without initial deposit and minimum balance)”

  • superbank.id/tentang-kami/sejarah-kami checked September 26, 2026

    Backs: Founded, Headquarters

Compiled from 7 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Term, Deposit protection.

Superbank

Superbank

A fee-free Indonesian savings account with a same-day personal loan attached.

9.4/10See alternatives