neobank Plus is a year-end rewards program from neobank designed to deliver more benefits from everyday financial activities. The program offers a range of transaction-related benefits, from additional free interbank transfer quotas and QRIS promotions and discounts to e-wallet and top-up promotions, as well as benefits for savings and financing products. 

neobank Plus is not a new product or bank account. Instead, it is a collection of benefits and promotions offered as part of the neobank banking experience. The program features four key offerings: PLUS Free Transfers, PLUS Discounts, PLUS Interest, and PLUS Cashback. 

What Are the Benefits of neobank Plus? 

Simply put, neobank Plus offers four main categories of benefits. 

1. PLUS Free Transfers 

Users receive additional free interbank transfer quotas based on their Neo Membership level, along with weekly discount coupons for QRIS transactions, bill payments, and top-ups. 

2. PLUS Discounts 

Users can access various QRIS promotions, including discounts at participating merchants, as well as e-wallet and top-up promotions that offer waived administration fees during certain periods. 

3. PLUS Interest 

Users can enjoy promotional interest rates of up to 7.25% per annum on Deposito WOW for a six-month tenor during the specified promotional period. 

4. PLUS Cashback 

Cashback is available in the form of QRIS coupons through a referral program, as well as cashback of up to IDR 200,000 through the Neo Loan promotion, subject to the applicable terms and conditions. 

Together, these four benefit categories cover everyday transactions and other financial needs. 

PLUS Free Transfers: More Interbank Transfers at No Cost 

Interbank transfers are a regular part of everyday financial activities, whether sending money to family, paying for expenses, or moving funds between accounts. 

Through neobank Plus, customers receive additional free interbank transfer quotas based on their Neo Membership level. The monthly quotas are as follows: 

• L1 Citizen: 100 free transfer transactions per month 

• L2 Expert: 110 free transfer transactions per month 

• L3 Master: 125 free transfer transactions per month 

• L4 Hero: 150 free transfer transactions per month 

• L5 Legend: 200 free transfer transactions per month 

This benefit is part of the free benefits offered through neobank Plus. For users looking for a bank with free transfers or interbank transfers without administration fees, the available quota can be used according to their membership level. 

In addition to free transfers, customers with Neo Membership levels 1 through 5 also receive weekly discount coupons. These coupons can be used for various transactions, including QRIS payments, bill payments, and top-ups. 

The coupon value varies by membership level: 

• L1 Citizen: Discount coupons worth up to IDR 1,000 

• L2 Expert: Discount coupons worth up to IDR 1,500 

• L3 Master: Discount coupons worth up to IDR 2,000 

• L4 Hero: Discount coupons worth up to IDR 4,000 

• L5 Legend: Discount coupons worth up to IDR 10,000 

As a result, the free benefits offered through neobank Plus extend beyond transfers to cover a range of everyday payment needs. 

PLUS Discounts: QRIS Promotions and Discounts 

Beyond additional free interbank transfer quotas, neobank Plus offers various benefits for everyday digital transactions. These include QRIS promotions and discounts, e-wallet and top-up promotions, and bill payment offers. 

Available benefits include: 

1. QRIS Promotions 

Through the 10.10 Double Benefits program, running from October 8–10, 2026, customers have the opportunity to receive benefits worth up to IDR 101,010 with a minimum transaction of IDR 101,010. The program has different mechanisms and quotas depending on the type of benefit offered. 

2. QRIS Discounts of Up to 10% 

The 10.10 Exclusive Merchants program offers a 10% discount of up to IDR 101,010 with a minimum transaction of IDR 101,010. The promotion is available at participating merchants, including Blibli, TikTok Shop, Rupa-Rupa, Sociolla, Guardian, Bluebird, Hotel Murah, Telkomsel, UPoint, Dunia Games, Tokocrypto, Gococo, HeiHei, and Warung Kopi Hari-Hari. 

3. E-Wallet and Top-Up Promotions 

Through the FreeTamin program, users have the opportunity to enjoy waived administration fees when topping up selected e-wallets during specified periods. 

For OVO, the promotion runs every Tuesday on October 6, 13, 20, and 27, 2026, from 10:00 a.m. to 5:00 p.m. Western Indonesia Time (WIB), with a minimum top-up of IDR 20,000. 

For ShopeePay, the promotion runs every Wednesday on October 7, 14, 21, and 28, 2026, during the same hours and with the same minimum top-up of IDR 20,000. 

4. Online Bill Payments 

The weekly discount coupons included in Neo Membership benefits can also be used for online bill payments, QRIS transactions, and top-ups. The value of each benefit depends on the membership level and the applicable coupon terms. 

With these offers, users can make use of neobank Plus for various digital transaction needs, from QRIS promotions and discounts to e-wallet top-ups and online bill payments. Each promotion remains subject to its respective validity period, quota, participating merchants, and terms and conditions. 

PLUS Interest: Deposito WOW Offers Rates of Up to 7.25% per Annum 

neobank Plus also includes benefits for customers looking to save through Deposito WOW. During the promotional period from October 1–31, 2026, promotional interest rates are available for several tenors: 

• 1-month tenor: Promotional interest rate of 6.00% per annum

• 3-month tenor: Promotional interest rate of 6.75% per annum

• 6-month tenor: Promotional interest rate of 7.25% per annum

This benefit complements the neobank Plus program by offering value not only for everyday transactions but also for savings needs.

PLUS Cashback: QRIS Cashback Through the Referral Program

Cashback benefits under neobank Plus are available through the referral program and the Neo Loan promotion.

- QRIS Cashback

Through the 10.10 Special Referral program, running from October 8–10, 2026, customers can invite two friends to use their referral code. Once all requirements are met, the inviter receives a QRIS cashback coupon worth IDR 101,010, while each invitee receives IDR 10,010. The program is available to the first 500 inviters who meet the requirements.

- Neo Loan Cashback

Customers also have the opportunity to receive cashback of up to IDR 200,000 after their Neo Loan is disbursed, subject to the applicable promotional terms and conditions. 

The PLUS Cashback offering provides additional benefits through referral activities and the use of selected products. QRIS cashback under the referral program is provided as a coupon and remains subject to the program's mechanism and applicable terms. 

For users looking for digital banking promotions, QRIS promotions and discounts, e-wallet offers, top-ups without administration fees, or interbank transfers without administration fees, neobank Plus offers various programs that can be used according to individual needs and the applicable terms.

Promotions, validity periods, quotas, interest rates, cashback amounts, participating merchants, and available benefits are subject to the terms and conditions of each program. Please review the full information before making transactions or using any product.

Please note the deposit interest rate guarantee set by the Indonesia Deposit Insurance Corporation (LPS). Deposits with interest rates exceeding the applicable LPS guaranteed interest rate are not covered by LPS. As of January 31, 2027, the LPS guaranteed interest rate is 3.75% per annum. 

To enjoy neobank Plus, download the neobank app from the Google Play Store or Apple App Store. For more information about PLUS promotions, visit:

Discounts

• s.id/neodobeluntung, s.id/neopromoeksklusif

Freetamin: 

• s.id/neofreetamindana, s.id/neofreetaminovo, s.id/neofreetaminspay, s.id/neofreetamingopay

Deposito WOW 

• s.id/depositowowplus

Neo Membership 

• https://s.id/neomembershipplus

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