A financial app that combines banking services with the power of digital ecosystem

So you can get one step closer to achieving your dreams. Bersama kita Jago.

Jago is a financial app that provides banking services with the power of a digital ecosystem, to deliver innovative money management solutions to help millions of Indonesians get one step closer to their dreams.

Founded by serial innovators with proven track records in micro lending and digital banking, Jago is positioned to become Indonesia’s pioneering and leading life-centric finance solution. We aspire to be a strong tech-based bank embedded in Indonesia’s digital ecosystem, to fulfill the needs of the middle and mass market segment, including the small and medium enterprises.

Formerly known as PT Bank Artos Indonesia Tbk (Bank Artos), in 2019. Bank Artos entered a new era with the shift of controlling shareholders. In 2020, we changed our name to PT Bank Jago Tbk and welcomed Gojek, through its payments and financial services arm Gopay, as our shareholder. In 2021, GIC Private Limited invested in Jago to strengthen our pipeline of innovations as per our aim to provide a robust life-centric finance solution.

With a capital of IDR 8 trillion, Jago is officially a bank with a vast opportunity to grow and continuously innovate.

Jago is...


Jago is a life-centric app that allows you to make Jago your own. Customize it to fit your needs and style. Look out for groundbreaking features from Jago’s collaboration with digital ecosystem players. Make the many lifestyle digital services you use daily even better and easier, simplifying your daily tasks.
Enjoy life without worries. Get what you want, when you want.


Life is best enjoyed with family and friends. That is why Jago also makes sure you can collaborate in your digital financial life. Share your plans, your goals, your finances with the people closest to you.
Be Jago at living together. Plan, save, and spend with your family and friends.


Innovation is at the core of Jago’s value proposition. Starting from innovation around what others call bank accounts.
In Jago we call them pockets. It’s the easiest way to budget and separate money. Jago pockets are simple and flexible, yet fast and secure. Jago ensures a high level of safety for your data and money, all modifiable to your preference with industry-leading security and speed. No waiting, no spinning wheels.
Be Jago with the most simple life finance solution.


Enhance the growth of millions through life-focused digital financial solutions


Enhance the growth of millions through life-focused digital financial solutions



We look at work and finances from a life perspective

Purposeful Growth

We passionately develop ourselves through self discovery and self mastery, and together enhance growth for our customers.

Fearless Creativity

We productively challenge normality to invent creative solutions.

Empowered Agility

Our working system enables us to adapt to changes quickly, and make decisions fast.

Our Transformation Journey

  1. 1992

    PT Bank Artos Indonesia Tbk was established in Bandung, West Java with a variety of banking product & services.

  2. 2016

    PT Bank Artos Indonesia Tbk officially became a public company after offering its initial shares to the public and listing its shares on the Indonesia Stock Exchange (IDX) with the issuer code ARTO

  3. 2019

    PT Metamorfosis Ekosistem Indonesia (MEI) and Wealth Track Technology Limited (WTT) acquired PT Bank Artos Indonesia Tbk with total shares 51%.

  4. 2020

    (April) Bank Jago conducts Limited Public Offering I (Rights Issue). The bank's core capital grows to IDR 1.3 trillion.

  5. 2020

    (December) Gojek through PT Dompet Karya Anak Bangsa (GoPay) becoming Bank Jago strategic investor (non controlling shareholder) with total shares 22.16%.

  6. 2021

    (March) Bank Jago conducts Limited Public Offering II (Rights Issue). Bank Jago capital increase to IDR 8.11 trillion.

  7. 2021

    (March) GIC Private Limited becoming Bank Jago investor (non controlling shareholder).

  8. 2021

    (April) PT Bank Jago Tbk launched a life-centric digital app that makes money management simple, collaborative and innovative.

  9. 2021

    (July) PT Bank Jago Tbk (Jago) has entered into a strategic partnership with APERD online, PT Bibit Tumbuh Bersama (Bibit). This in-depth integration enables users to open a Jago account and investment management simple, fast and seamless.

  10. 2021

    (July) Jago and Gojek announced the first phase of collaboration. Jago pocket is integrated as a cashless payment method on the Gojek app, enabling seamless payments for Gojek services.

  11. 2021

    (September) PT Bank Jago Tbk (JAGO) inaugurated the Sharia Business Unit to serve the mass market segment based on sharia principles.

Our Leaders

We believe that banking experience should be as simple as you, centered around you, and enabling you to live and grow.

President Commissioner
Commissioner (independent)

Anyone can be Jago

Start living life to the fullest with your family and friends.

Download Jago App, select either Jago or Jago Syariah and proceed to complete your registration on your phone.

download on app store download on google play

Scan this QR code with your smartphone’s camera to download now.