Raya - Digital Bank
PT Bank Raya Indonesia Tbk.
Screenshots
About this app
Raya - Digital Bank is the best free banking app designed to simplify the way you manage your personal and business finances in a single, user-friendly platform. As a part of the BRI Group, Raya offers a secure and efficient banking experience tailored to meet the needs of its users. With features like free monthly administration and no minimum balance requirement, you can open an account in just four minutes directly from your mobile device. The app also provides innovative tools like Saku Raya for budgeting and saving, allowing you to track your financial goals and even collaborate with friends. Whether you're depositing cash at various locations or accessing loans up to IDR 25 million, Raya ensures that your financial transactions are not only easy but also safe, boasting smart login options and layered security measures. Experience a modern approach to banking with Raya, where convenience meets security.
Editor's Review
As a straightforward and efficient tool for managing finances, Raya - Digital Bank stands out as the best free banking app for anyone looking to streamline their financial activities. Upon testing, I was pleasantly surprised by how quickly I could set up my account without any hassle, thanks to the intuitive mobile interface. The absence of monthly fees and minimum balance requirements makes it incredibly accessible for both personal and business users. One of the highlights is the Saku Raya feature, which allows users to manage budgets and savings goals seamlessly, even enabling group savings with friends. The app’s security features are robust, with fingerprint and facial recognition logins, ensuring that your transactions are protected at all times. Additionally, the cashback and voucher offerings add a delightful incentive to using the app regularly. Overall, Raya delivers on its promise of ease and security, making it a fantastic option for anyone in search of a reliable digital banking solution.
Pros
- Quick account setup in just four minutes via mobile app.
- No monthly fees or minimum balance requirements.
- Robust budgeting and saving tools through Saku Raya.
- Wide access with numerous cash deposit and withdrawal options.
- Enhanced security features, including biometric logins.
Cons
- Limited to users in Indonesia, restricting international access.
- Some features may require additional verification steps.
- Loan options are primarily available for users with payroll through Raya or BRI.
Additional Information
You May Also Like
