Start your own digital banking app in Indonesia and take on Bank Rakyat Indonesia and GoPay
By SendPay Business · · 3 min read
Indonesia is one of the world's biggest mobile-first markets, and e-wallets are everywhere, from ride-hailing to street food. Most of that money flows through a handful of names: Bank Rakyat Indonesia, Bank Mandiri and BCA, plus apps like GoPay, OVO and DANA. Every one of them started as somebody's idea. Yours can be next: your own digital banking app, under your own name, with your own fees.
Who you'd be competing with in Indonesia
The big banks, Bank Rakyat Indonesia, Bank Mandiri and BCA, have the branches and the history. The fast-growing apps, like GoPay, OVO and DANA, won because they were simpler and cheaper to use. That gap is where a new brand wins: a community, a niche, a language or a type of customer the giants treat as an afterthought.
What you can launch under your own brand
An everyday account app with balances and a branded card, a money transfer app, a payment-link product for invoices, a marketplace that pays its sellers, or a membership platform. Each is a template: your name, your colours, your domain, your fees.
How it works, in a few clicks
Pick the template closest to your idea, type your platform name and preview every page before you pay.
- Pick a template.
- Name it and choose your colours. The site changes as you type.
- Preview the finished platform, page by page.
- Verify with a selfie and pay your invoice.
- Go live on your own domain within 24 hours and invite your first users.
You set the fees, you keep them
Charge 1%, 2.9% or nothing: it's your call. On every rupiah your users move, your platform earns the fee you set. Your users sign up with you, not with us.
Permissions: the honest part
The accounts, cards and payments behind your platform are powered by licensed partners. Depending on what your platform does and who it serves, you may also need your own registration, and serving customers in Indonesia can bring local rules from the Financial Services Authority (OJK) and Bank Indonesia. We tell you in writing which permissions apply to your platform before you pay, and introduce specialists who handle them. We are not licensed advisers and don't guarantee outcomes.
Build it
Create your own financial platform.
Pick a template, name it, brand it, preview every page before you pay. Your brand, your users, your fees.
Build my platform →Questions people ask
Can I really compete with Bank Rakyat Indonesia?
Not on size on day one. But you can beat any big bank on focus: a platform built for one community or one kind of customer, with a better experience and fairer fees. That's how every challenger started.
Can I call it a bank?
In most countries, including Indonesia, "bank" is a protected word you can only use with a banking licence. Call it an account, an app or a platform. Your users still get a balance and a way to pay.
Is SendPay Business connected to Bank Rakyat Indonesia or GoPay?
No. We name them only to describe the market. SendPay Business is an independent technology company, not a bank.
What should I call my app?
Pick a short name that is easy to say in Indonesia, has a free domain, and doesn't use the word "bank". The free name generator gives you ideas and opens your favourite straight in the builder.
Payment app name generator →How much could my platform earn?
It depends on how many users you have, how much they move and the fee you set. Put your own numbers into the free calculator to see what your platform could earn in rupiah terms each month.
Platform earnings calculator →Is there a step-by-step plan I can follow?
Yes. The free launch checklist takes you from picking your people and naming your app to setting fees, going live and winning your first ten customers. Tick each step off as you go.
Digital bank app launch checklist →How do I start?
Pick a template, name it and preview every page before you pay. Your platform can be live on your own domain within 24 hours of confirmation.
Build my platform →Read next
- Build an app like DANA, under your own brand
- Build an app like GoPay, under your own brand
- Build an app like Xendit, under your own brand
- Build an app like OVO, under your own brand
- Build an app like Jago, under your own brand
- Build an app like ShopeePay, under your own brand
- Build an app like Jenius, under your own brand
- Build an app like Bank Mandiri, under your own brand
- Build an app like Bank Rakyat Indonesia, under your own brand
- Build an app like Bank Central Asia, under your own brand
- Build an app like BNI, under your own brand
- Build an app like Bank Syariah Indonesia, under your own brand
- Build an app like SeaBank, under your own brand
- Build an app like CIMB Niaga, under your own brand
- Build an app like Bank Danamon, under your own brand
- Build an app like HSBC Indonesia, under your own brand
- Build an app like Maybank Indonesia, under your own brand
- Build an app like UOB Indonesia, under your own brand
- Build an app like OCBC Indonesia, under your own brand
- Start your own digital banking app in Jakarta and take on Bank Rakyat Indonesia and GoPay
- Start your own digital banking app in Surabaya and take on Bank Rakyat Indonesia and GoPay
- Start your own digital banking app in Medan and take on Bank Rakyat Indonesia and GoPay
- Start your own digital banking app in Bandung and take on Bank Rakyat Indonesia and GoPay
- Start your own digital banking app in Makassar and take on Bank Rakyat Indonesia and GoPay
- How to start your own bank-style app in the UK (without being a bank)
- White-label fintech platform: what it is and how it works
- How to set the fees on your own payment platform, and when it pays for itself
This guide is general information, not legal or financial advice. SendPay Business is a technology company, not a bank, and does not take deposits; regulated services on the platforms are provided by licensed partners. PayPal, Patreon and Substack are named as reference points only and are not affiliated with SendPay Business.