K Bank vs Bank Jago.
K Bank (K78/100) and Bank Jago (B75/100), scored on the same six pillars and compared row-by-row. Every cell is sourced from licence registers and live pricing pages, not opinion. A close tie.
| B Bank Jago №21 · Full Indonesian banking licence 75 /100 | K K Bank №09 · KDIC 78 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 75 /100 | 78 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | 2.00% | Interbank |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Full bank | Full bank KDIC |
| Deposit guarantee Per depositor | €2,000,000,000 ID.LPS | €50,000,000 KR.KDIC |
| Reach | ||
| Markets served Licensed jurisdictions | 1 country | 1 country |
| Crypto Coins available | No | No |
| Stocks & ETFs Self-directed | No | No |
| UX | ||
| Trustpilot Customer score | — | — |
| App store iOS + Android avg | 4.5 ★ iOS 4.6 · And 4.5 | 4.5 ★ iOS 4.5 · And 4.4 |
| Read review → | Read review → | |
Pick Bank Jago if…
Largest Indonesian neobank by users — ~9M Indonesians. OJK-regulated full bank, IDX-listed (ARTO). GoTo (Gojek + Tokopedia) major shareholder. Multi-pocket structure ('Jago Pockets'). Sharia-compliant Jago Syariah variant.
Pick K Bank if…
Korea's first Internet-Only Bank to launch (April 2017) — predates Kakao Bank by three months. KT Corporation (Korea Telecom) is the largest shareholder, providing carrier-bundled distribution and ASEAN remittance corridors via Wirebarley. The cash-settlement counterparty for Upbit, Korea's largest crypto exchange — exposure to crypto-cycle deposit flows. Listed on KOSPI in 2024 after two shelved IPO attempts.
- Best for fees K Bank won 1 of 4
- Best for protection Bank Jago won 1 of 2
- Best for reach Tied
- Best for ux Bank Jago won 1 of 2
K Bank vs Bank Jago — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Bank Jago better than K Bank?
Bank Jago and K Bank are tied 2–2 across 12 dimensions under our v3 methodology. Composite scores: Bank Jago 75/100 vs K Bank 78/100. The right pick depends on which dimension you weight most heavily.
Is Bank Jago or K Bank cheaper?
Monthly fee — Bank Jago: €0; K Bank: €0. Card FX markup — Bank Jago: 2.00%; K Bank: Interbank. K Bank wins more fee rows (1 of 4). See the Fees section of the matrix above for ATM caps and the rest.
Which is safer for deposits, Bank Jago or K Bank?
Bank Jago holds a Full bank licence under Full Indonesian banking licence (OJK regulated); LPS member, IDR 2,000,000,000 cover per depositor per institution. IDX-listed (ARTO). // TODO(verify).; deposit guarantee per depositor: €2,000,000,000. K Bank holds a Full bank licence under KDIC; deposit guarantee per depositor: €50,000,000. Bank Jago is the stronger pick on regulatory protection.
Where can I use Bank Jago and K Bank?
Bank Jago operates in 1 country; K Bank operates in 1 country. Check each provider's signup page for the live country list — eligibility depends on residency, not just the licence footprint.
Want a 3- or 4-way comparison?
The dynamic compare picker handles up to four banks. Add this pair plus one or two more and we'll resolve every row.