Bank Neo Commerce is a bank with digital services that can be accessed through the neobank application. Account opening, transactions, and bill payments can all be done online without visiting a bank branch.

How to Open a neobank Savings Account

Account opening is done directly through the neobank application from Bank Neo Commerce.

Requirements to Prepare

Before starting, prepare the following:

• Original e-KTP (Indonesian ID card)
• Active mobile phone number
• Active email address
• Stable internet connection

You do not need to photocopy documents or visit a bank branch.

Steps to Open a neobank Account

Here is how to register for neobank online:

1. Download the App

Search for the neobank application on Google Play Store or App Store, then install it.

2. Register an Account

• Open the application
• Choose your preferred language
• Tap “Register”
• Fill in the required information
• Select “Register Now”

3. Agree to the Terms & Conditions

Read the terms and conditions, then check the agreement box to proceed.

4. Set Account Security

• Create a password
• Set up a gesture password

5. Open Your Account

• Select “Open Account Now”
• Upload a photo of your e-KTP
• Fill in your address according to your ID
• Complete face verification (selfie following the on-screen instructions)

6. Account Activation

After the verification process is completed, your account will be active and ready to use.

How Long Does It Take to Open a neobank Account?

The process takes around ±5 minutes on average, depending on verification speed and internet connection.

If the data is valid and verification is successful, the account can be used on the same day.

What Do You Need to Open a neobank Account?

If you open a neobank account online, you only need:

• e-KTP
• A smartphone with a camera
• Internet connection

You do not need to visit a branch or bring additional physical documents.

Tabungan NOW in neobank

After your neobank account is active, you can use the Tabungan NOW savings feature.

Tabungan NOW

Main features:

• 4.25% interest per year
• Interest paid daily
• No monthly administration fee as long as the account remains active
• A IDR 5,000 monthly fee applies if there is no login or transaction for 6 consecutive months

Interest rate information as of March 2, 2026, and may change according to bank policy.

Please note that the LPS guaranteed interest rate until May 31, 2026 is 3.50%
(https://apps.lps.go.id/BankPesertaLPSRate).

Deposits with interest above the LPS guarantee rate are not covered by LPS, according to applicable regulations.

For more information about Tabungan NOW interest rates, visit:
https://s.id/fbtabungannow

Interest rates may change for new account openings according to bank policy.

What Is the Monthly Fee for neobank?

There is no monthly administration fee as long as the account remains active.

However:

• A IDR 5,000 monthly fee will apply if there is no login and/or transaction for 6 consecutive months.

Fees follow applicable terms and may change according to bank policy.

Other Financial Products and Features in neobank

Besides savings accounts, the neobank application also provides access to:

• Tabungan Reguler
• Tabungan NOW
• Tabungan Neo Green
• Deposito WOW
• Deposito FLEXI
• Neo Pinjam
• Neo Bisnis
• Neo Wish
• Neo Emas
• Mutual Funds
• Cardless Cash Withdrawal
• Bill payments and top-ups
• Payment features: QRIS & Virtual Account
• Social and digital transaction features
• Neo Business Account

All these features are available within one application.

Opening a neobank account can be done online, quickly, and without a monthly admin fee as long as the account remains active.

In today’s digital era, opening a bank account no longer requires waiting in line at a branch. With just an e-KTP and a smartphone, you can have a digital bank account within minutes.

If you are looking for a practical account opening process that can be accessed anytime, opening an account through the neobank application can be an option.

FAQ

1. How do I open a neobank account?

Download the neobank app, register, upload your e-KTP, and complete face verification.

2. What do I need to open an account?

You only need an e-KTP and a smartphone with internet access.

3. Does neobank savings have a monthly fee?

There is no admin fee as long as the account remains active. A IDR 5,000 fee applies if the account is inactive for 6 consecutive months.

4. How long does it take to open a neobank account?

It usually takes a few minutes if the verification process runs smoothly.

5. Is neobank legal?

Yes. Bank Neo Commerce is licensed and supervised by the Financial Services Authority (OJK) and is a participant of the Indonesia Deposit Insurance Corporation (LPS).

***

Product features, fees, and terms may change according to bank policy.

If you want to learn more about available savings products, you can check them through the neobank app on  PlayStore or App Store
More information: https://s.id/fbtabungannow

PT Bank Neo Commerce Tbk is licensed and supervised by the Financial Services Authority (OJK) and Bank Indonesia (BI), and is a participant of the Indonesia Deposit Insurance Corporation (LPS).