Jakarta, 22 October 2026 — Indonesian people´s interest in performing the Umrah pilgrimage continues to grow. The Ministry of Hajj and Umrah reported that the number of Indonesian umrah pilgrims reached about 1.6 million in 2025.
In line with this trend, usage of the Jago and Jago Syariah apps related to the umrah pilgrimage has also increased. As of September 2026, Bank Jago recorded that customers created about 89,300 dedicated Pockets (Kantong) to prepare for hajj and umrah, a figure that has more than tripled over the past year. Broken down further, Hajj Pockets reached 36,200, while Umrah Pockets reached 53,100.
"We are here as a life-centric digital financial solution. Through the Jago and Jago Syariah apps, customers can disciplinedly plan their finances for umrah while transacting comfortably while in the holiest city in Islam," said Nur Fajriah Rachmah, Head of Sharia Digital Funding of PT Bank Jago Tbk.
She continued that the rise in the Jago and Jago Syariah app usage and pocket creation demonstrates that the pilgrimage is no longer just a dream, but an integral part of life planning for young adults today. Furthermore, 90% of Jago Syariah's 2.2 million total customers belong to the millennial and generation Z demographics, with gen Z (ages 18 to 29) dominating at 55%.
To ensure thorough preparation, Nur added, financial planning for umrah must be done carefully, starting from flight costs, accommodations, pocket money, to contingency funds. Customers can separate funds according to their umrah goals and set targets using the auto-budgeting feature.
"When finances are organized from the beginning, the spiritual journey feels more peaceful, and we do not have to worry about our financial condition during the pilgrimage or upon returning home. Jago Syariah wants to continue guiding customers in building targeted and sustainable financial habits," she said.
In addition to financial planning by preparing funds through pockets, transaction activity using the Jago Syariah Visa Debit Card in Saudi Arabia has also grown. The transaction frequency rose from 36,000 in September 2025 to 62,300 as of September 2026, encompassing both online and offline transactions.
The flexibility of linking the Jago Syariah Card to any chosen pocket makes it easier for users to complete online and offline transactions in Saudi Arabia. Common online transactions made by Jago Syariah users related to umrah include purchasing plane tickets, booking hotels, ordering food delivery, and buying Haramain High-Speed Railway tickets. Meanwhile, direct offline transactions during the trip include card payments at Visa-logo merchants such as restaurants, coffee shops, souvenir stores, supermarkets, and other retail outlets.
Jago Syariah also provides an Umrah Pocket Guide, featuring practical and concise recommendations designed to accompany pilgrims on their journey, particularly those undertaking self-guided umrah. For more information, please download here.
Overall, Jago Syariah recorded solid growth, with transaction volume as of September 2026 up 55% from the same period last year, while transaction value rose 50% year-over-year.
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About Bank Jago
Specifically built as a tech-based bank embedded within Indonesia’s digital ecosystem, Bank Jago aspires to enhance the growth of millions through life-centric digital financial solutions. Bank Jago develops banking products and services, both conventional and sharia, that can be used by everyone, including retail (consumers), affluent market, and micro, small, and medium enterprises (MSMEs).
Bank Jago develops Jago app, which is designed to be embedded within various digital ecosystems. and can be customized and personalized so it can be compatible with their ecosystems, and also with the users’ personal needs. The collaborations with various ecosystems enables users to live their life more conveniently.
For further information, please contact:
Marchelo
Corporate Communications
PT Bank Jago Tbk
