In today’s digital era, many aspects of life have transformed to become more practical and efficient. One example is the way we save money. In the past, saving meant storing money in a piggy bank or a traditional savings account at the bank, which often involved time-consuming and inconvenient processes.

Now, digital savings options are widely available, offering innovative solutions to help you manage your finances more easily and smartly. Unlike conventional savings, digital savings accounts allow you to perform a variety of financial transactions online—anytime, anywhere—right from your smartphone. Say goodbye to old, impractical, and time-consuming habits!

A More Convenient and Rewarding Saving Experience

As one of Indonesia’s leading modern banks, Bank Neo Commerce offers innovative and easily accessible digital savings solutions: Neo Savings and NOW Savings.

With Neo Savings and NOW Savings, you’ll enjoy a savings experience that’s easy, secure, and rewarding. Let’s dive into the key features, benefits, and differences between Neo Savings and NOW Savings so you can choose the best digital savings product for your needs.

Neo Savings: A Practical and Secure Solution for Managing Your Finances

Neo Savings is a regular savings account and the basic product offered by Bank Neo Commerce. Designed for the digital age, it provides ease and security in managing your money—no need to visit a bank branch to open an account.

• Instant Account Opening: Just download the neobank app and complete the registration process—you’ll automatically have a Neo Savings account. No need to stand in line at the bank; everything can be done from your smartphone.
• 0% Interest Rate (for now): Although Neo Savings currently offers 0% annual interest, Bank Neo Commerce continues to strive to provide the best deals for its customers. This is one key difference between Neo Savings and NOW Savings.
• Advanced Features: Neo Savings comes equipped with various advanced features to simplify your transactions and money management, such as:
  • Balance and Transaction History: Monitor your account balance and transaction history in real time.
  • Fund Transfers: Easily transfer funds between Bank Neo Commerce accounts or to other banks—fast and free of admin fees!
  • Mobile Top-Up & Data Packages: Recharge your phone credit and data directly through the app.
  • Bill Payments: Pay utility bills like electricity, water, BPJS, and more with ease.
  • Guaranteed Security: Bank Neo Commerce is committed to securing customer funds by applying advanced security systems. All your transactions are protected with encryption and multi-factor authentication, so you can bank with confidence.
     

Now, let’s look at what sets NOW Savings apart from the regular Neo Savings.

NOW Savings: Savings for the Anti-Procrastination Generation

NOW Savings from Bank Neo Commerce is the perfect solution for those who want competitive interest rates on their savings. Unlike Neo Savings, which offers 0% interest per year, NOW Savings provides attractive interest rates for every rupiah you save.

Unlimited Benefits:

• No Minimum Deposit: Start saving with any amount—no minimum deposit required.
• No Monthly Admin Fees: Manage your money without worrying about monthly fees, so your savings stay intact.
• Flexible and Secure: Easily deposit and withdraw funds anytime, anywhere through the neobank app. Your funds are protected by state-of-the-art banking security.
• Daily Interest Payout: Earn interest calculated and paid out daily, so your savings grow faster.
• Interest Calculator: Track your savings growth with a user-friendly interest calculator.

Saving Discipline: The Key to Financial Management in the Digital Age

In this digital era, there are plenty of apps that make managing finances easier—including saving. But no matter how sophisticated the app, discipline remains the key to reaching your financial goals.

Without discipline, savings apps are just tools that can’t function at their best. That’s why here are some tips for building a habit of disciplined saving:

1. Set Clear Goals: Start by defining your financial objectives. Do you want to save for a new gadget, a dream vacation, or your retirement? A clear goal will motivate you to save consistently.
2. Create a Budget: Record all your income and expenses, then create a realistic budget. Allocate part of your income to savings regularly. Use a budgeting app to track your spending and stay on budget.
3. Start Small: You don’t have to save a large amount right away. Start by setting aside a little bit at a time—even small change. Consistency is key. Over time, you can gradually increase your savings.
4. Avoid a Consumerist Lifestyle: Resist the urge to buy things you don’t need. Stay focused on your financial goals. Practice delaying impulsive purchases and reconsider before spending.
5. Use Automatic Features: Many savings apps offer automatic transfer features. Use this to move money to your savings regularly from your main account, so you don’t have to do it manually.
6. Evaluate and Adjust: Take time to regularly review your savings progress. Are you on track to reach your goals? Adjust your budget and savings strategy as needed.

Remember, saving discipline requires ongoing commitment and effort. By applying the tips above, you can reach your financial goals and build a more secure future. Savings apps are just tools—it’s your discipline and commitment that will determine your success.

Download neobank on PlayStore or App Store now!

For complete information and terms & conditions regarding neobank products, click the links below:

• Neo Savings: Tabungan Neo
• NOW Savings: https://bit.ly/EdNOW

Want to try out neobank products? Click below:

• Neo Savings: Tabungan Neo
• NOW Savings: https://bit.ly/EdNabungNOW

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PT Bank Neo Commerce Tbk is licensed and supervised by the Indonesia Financial Service Authority (OJK) and Bank Indonesia (BI), and an insured member of Deposit Insurance Corporation (LPS).