Bank Sahabat Sampoerna
PT Bank Sahabat Sampoerna is a private Indonesian digital bank founded in 1991, offering mobile-first retail banking, MSME lending (>50% of its loan portfolio), and API-based corporate/fintech infrastructure including Virtual Account, QRIS, and Open Banking services across Indonesia.
- Company typePrivate
- Founded1991
- HeadquartersDki Jakarta, Indonesia
- Headcount1,001–5,000
- GTM typeB2B and B2C
- OfferingServices
What Bank Sahabat Sampoerna does
PT Bank Sahabat Sampoerna ("BSS," "Bank Sampoerna") is an Indonesian private commercial bank founded in 1991, headquartered at Sampoerna Strategic Square in Central Jakarta. The bank operates as a digital-first institution serving five customer segments: individual consumers, micro/small/medium enterprises (UMKM), fintechs and financial institutions, corporates, and cooperatives. More than 50% of its loan portfolio is channeled to UMKM, aligned with Indonesia's national financial-inclusion objectives.
The bank's product suite is anchored by the Sampoerna Mobile Banking application, which enables smartphone-based account opening, savings, free BI-Fast fund transfers (up to 50 per month), time deposits, QRIS payments, e-wallet top-ups, and bill payments. For institutional and corporate customers, the bank offers API-based Virtual Account and Host-to-Host fund transfer services, a Rekening Dana Lender for fintech lending partners, QRIS merchant-aggregator acceptance, and an Open Banking API platform (openapi.banksampoerna.co.id). It also operates PDaja.com for flexible multipurpose MSME lending via a Pinjaman Rekening Koran structure, plus ProBiz for corporate banking. Distribution is delivered through Sampoerna Mobile Banking, internet banking, a branch network, interbank rails (PRIMA, ATM Bersama, BI-Fast), the national QRIS network, a 24/7 call center, WhatsApp support, and the Sampoerna Fest roadshow series.
Revenue derives from interest income on its loan portfolio — especially MSME and PDaja.com loans — together with transaction fees and recurring service fees on Virtual Account, Host-to-Host, and other API-based corporate offerings. Retail pricing is freemium: the Sampoerna Mobile Saving product carries no monthly administration fee and offers promotional free transfers and ATM withdrawals as engagement incentives. Go-to-market is a hybrid of product-led digital acquisition via the mobile app and event-driven acquisition through Sampoerna Fest roadshows, supplemented by organic social and educational content marketing.
Bank Sahabat Sampoerna firmographics
Firmographics- Name
- Bank Sahabat Sampoerna
- Legal name
- PT Bank Sahabat Sampoerna
- Website
- https://banksampoerna.com
- Company type
- Private
- Founded year
- 1991
- Operating status
- Operating
- Headcount range
- 1,001–5,000 employees
- Short description
- PT Bank Sahabat Sampoerna is a private Indonesian digital bank founded in 1991, offering mobile-first retail banking, MSME lending (>50% of its loan portfolio), and API-based corporate/fintech infrastructure including Virtual Account, QRIS, and Open Banking services across Indonesia.
- Ownership category
- akta.pro rank
Bank Sahabat Sampoerna industry classification
Industry- Product category
- Retail and digital banking services
- NAICS
- Depository Credit Intermediation (5221), Commercial Banking (522110)
- SIC
- National Commercial Banks (6021), State Commercial Banks (6022)
- akta.pro primary industry
- SME Deposits & Business Accounts (Operating, Savings, CDs) (FSABABAC)
Keywords
Where Bank Sahabat Sampoerna is headquartered
LocationHeadquarters
- HQ city
- Dki Jakarta
- HQ country
- Indonesia
- HQ region
- Asia
Offices1 record
Markets served
Bank Sahabat Sampoerna business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales, Others
Revenue model
- Interest Income: Interest earned on loans and advances, including multiguna (multipurpose) loans distributed through PDaja.com and direct lending to MSMEs
- Transaction Fees: Fees charged for fund transfers, ATM withdrawals beyond free limits, and other banking transactions
- Service Fees: Fees for virtual account services, host-to-host connectivity, and other digital banking services for corporate customers
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Freemium | Monthly | Sampoerna Mobile Saving - Digital savings account with no monthly fees |
Go-to-market motion2 records
Distribution channels6 records
Marketing channels8 records
Bank Sahabat Sampoerna product offering
Product offeringCore offering
Bank Sahabat Sampoerna is an Indonesian digital bank that provides retail and corporate banking services through the Sampoerna Mobile Banking application and complementary digital channels. Its core offerings include fee-free mobile savings accounts (Sampoerna Mobile Saving, Tabungan Hati), time deposits, QRIS merchant payment acceptance, Virtual Account and Host-to-Host fund transfer APIs for corporate and institutional clients, and a multipurpose MSME loan facility through PDaja.com. The bank is licensed by Indonesia's OJK and Bank Indonesia and is an LPS deposit insurance participant.
Product overview
Bank Sahabat Sampoerna operates as an Indonesian digital bank offering a unified banking platform with multiple interconnected products. The core offering is Sampoerna Mobile Banking, a mobile application that serves as the primary channel for customer transactions. This mobile platform encompasses savings accounts (Sampoerna Mobile Saving and Tabungan Hati), time deposits (Sampoerna Mobile Time Deposit), and bill payment services. For institutional customers, the bank provides Virtual Account & Fund Transfer Host-to-Host services via API and Rekening Dana Lender for fintech partners. The bank also supports QRIS merchant payments, Open Banking connectivity, and traditional internet banking. Corporate services include ProBiz business banking and multi-purpose lending through PDaja.com.
Differentiator
Problem solved
Functional benefit
Brands
- Sampoerna Mobile Banking: Official mobile banking application from Bank Sahabat Sampoerna for digital financial transactions
- PDaja.com
- ProBiz
- Tabungan Hati
- Sampoerna Digital
Products and services
- Sampoerna Mobile Banking Official mobile banking application from Bank Sahabat Sampoerna enabling customers to open accounts, save, transfer funds, place time deposits, pay bills, top up e-wallets, and participate in promotional programs with lottery prizes.
- Sampoerna Mobile Saving Digital savings account accessible through Sampoerna Mobile Banking, offering free transfers via BI-Fast up to 50x per month and free cash withdrawals up to 30x per month at any ATM.
- Tabungan Hati Savings product offered by Bank Sahabat Sampoerna with various benefits and promotional programs.
- Sampoerna Mobile Time Deposit Time deposit product opened directly through the Sampoerna Mobile Banking application with flexible tenor options.
- Virtual Account & Fund Transfer Host-to-Host Electronic financial transaction service using API for corporate and financial institution customers to perform realtime fund transfers, balance checks, transaction history, and payment reconciliation through Host-to-Host integration.
- QRIS Sampoerna Mobile Merchant QRIS-based merchant payment service enabling merchants to accept QR code payments through the Sampoerna Mobile application.
- Rekening Dana Lender Lender fund account for fintech companies and financial institutions to manage lending operations and fund disbursements.
- PDaja.com (Pinjaman Rekening Koran) Multi-purpose loan facility through Bank Sahabat Sampoerna providing flexible business financing with interest paid only on usage, targeted at UMKM and small businesses.
- ProBiz Business banking solution from Bank Sahabat Sampoerna for corporate and business customer needs.
- Open Banking Open banking services enabling secure data sharing and third-party integration through Bank Sampoerna's API infrastructure.
- Internet Banking Internet banking platform for individual and corporate customers to manage accounts and perform financial transactions online.
Quantifiable outcome
- Over 50% of total loans channeled to UMKM sector
- +1 more outcomes
Companies that use Bank Sahabat Sampoerna
Customer profileNamed customers3 records
Segments5 records
Ideal customer profiles3 records
Bank Sahabat Sampoerna technology and API
TechnologyTechnology focussed No
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration4 records
Feature5 records
Bank Sahabat Sampoerna partnerships and signals
Strategic signalPartnerships
Seven partnerships are on record, tiered core and general.
- PayJoycorePayJoy, an emerging-markets credit provider with 17 million customers worldwide and annualized 40% growth, officially launched in Indonesia through a strategic partnership with PT Bank Sahabat Sampoerna, marking its expansion into the Southeast Asian market to support Indonesia's financial inclusion goals.
- PDaja.comcorePDaja.com is a lending platform by Bank Sahabat Sampoerna offering flexible multipurpose loans (Pinjaman Rekening Koran) for business needs with interest paid only on usage. The platform is promoted as a key MSME financing solution.
- PRIMA NetworkgeneralNational ATM and payment network enabling Bank Sampoerna customers to access cash withdrawals and transactions across Indonesia.
- ATM Bersama NetworkgeneralInterbank ATM network partnership providing expanded ATM access for Bank Sampoerna customers throughout Indonesia.
- BI-Fast Payment SystemcoreNational real-time payment rail enabling instant fund transfers for Bank Sampoerna customers with promotional free transfers up to 50x per month.
- QRIS (QR Code Indonesian Standard)coreNational QR code payment standard enabling merchants to accept payments and enabling Sampoerna Mobile Merchant functionality for business payment acceptance.
- Lembaga Penjamin Simpanan (LPS)coreIndonesia's deposit insurance corporation that guarantees customer deposits up to certain limits, providing deposit protection for Bank Sampoerna customers.
Scale indicators3 records
Recent moves6 records
Expansion highlights6 records
Bank Sahabat Sampoerna competitors and assessment
Company assessmentDirect peers
- Bank Jago (Jenius): Indonesian digital-first commercial bank offering mobile banking, savings, and payments with strong fintech DNA (GoTo-affiliated). Directly comparable to Bank Sampoerna in mobile-led retail and SME-focused banking, API-driven fintech partnerships, and Indonesian digital banking competition.
- BCA Digital (Blu): Digital banking subsidiary of Indonesia's largest private bank (BCA), offering mobile-first savings, payments, and deposits. Comparable in product suite, mobile UX focus, and target segments (young urban retail and SMEs), backed by an incumbent parent's balance sheet.
- Seabank Indonesia: Digital bank in Indonesia offering mobile savings, time deposits, and payments with no monthly fees. Closely comparable in freemium pricing, mobile-first acquisition, and broad retail target market.
- Allo Bank Indonesia: Indonesian digital bank offering mobile savings and payments, with CT Corp ecosystem backing. Comparable in mobile-first product strategy, retail focus, and Indonesian digital banking competition, though ecosystem-led distribution differs from Bank Sampoerna's fintech partnership model.
- Bank BTPN (Jenius): Indonesian bank serving mass-market and underserved segments with digital banking (Jenius app). Comparable in mobile banking innovation, MSME/mass-market lending focus, and digital-first customer acquisition in Indonesia.
Broad incumbents
- Bank Central Asia (BCA): Indonesia's largest private commercial bank with deep deposit franchise, nationwide branch and ATM network, and full corporate and SME banking. Overlaps with Bank Sampoerna in commercial banking, payments, and MSME lending, but at vastly larger scale and as a multi-product incumbent.
- Bank Mandiri: Indonesia's largest state-owned bank with comprehensive retail, SME, corporate, and treasury offerings including digital banking (Livin'). Comparable in regulated commercial banking and MSME lending scale, but with state-bank balance sheet, broader product portfolio, and bigger transaction volumes.
- Bank Danamon: Mid-to-large Indonesian commercial bank serving retail, SME, and corporate segments with digital channels. Comparable in scale tier (1000+ employees), product breadth (savings, loans, payments), and Indonesian commercial banking focus, though with broader physical distribution.
- CIMB Niaga: Major Indonesian commercial bank with retail, SME, and corporate banking plus digital offerings (OCTO Mobile). Comparable in full-service commercial banking, digital channel investment, and Indonesian MSME focus, with regional ASEAN parent (CIMB Group).
Regional players
- DBS Indonesia: Indonesian subsidiary of regional Singapore-based bank DBS, offering digital (digibank) and full commercial banking services. Comparable in regulated commercial banking and digital channel investment, but operates as a regional player's local franchise rather than a domestic specialist.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
Bank Sahabat Sampoerna social profiles
Digital presenceBank Sahabat Sampoerna compliance and trust
Trust signalCompliance5 records
Bank Sahabat Sampoerna financial estimates
Financial estimateRevenue estimate
Valuation estimate
Bank Sahabat Sampoerna leadership team
Management profileNumber of profiles
Profiles1 record
Bank Sahabat Sampoerna funding detail
Funding detailFunding overview
Funding rounds1 record
Investors1 record
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Bank Sahabat Sampoerna M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Bank Sahabat Sampoerna
What does Bank Sahabat Sampoerna do?
Bank Sahabat Sampoerna is an Indonesian digital bank that provides retail and corporate banking services through the Sampoerna Mobile Banking application and complementary digital channels. Its core offerings include fee-free mobile savings accounts (Sampoerna Mobile Saving, Tabungan Hati), time deposits, QRIS merchant payment acceptance, Virtual Account and Host-to-Host fund transfer APIs for corporate and institutional clients, and a multipurpose MSME loan facility through PDaja.com. The bank is licensed by Indonesia's OJK and Bank Indonesia and is an LPS deposit insurance participant.
Is Bank Sahabat Sampoerna a public or private company?
Bank Sahabat Sampoerna is a private company. It is classified as family owned and is currently operating.
When was Bank Sahabat Sampoerna founded?
Bank Sahabat Sampoerna was founded in 1991. It employs 1,001 to 5,000 people.
Where is Bank Sahabat Sampoerna based?
Bank Sahabat Sampoerna is headquartered in Dki Jakarta, Indonesia, in the Asia region.
How does Bank Sahabat Sampoerna make money?
Three revenue lines are on record. Interest Income is the primary driver. The others are transaction Fees and service Fees.
Who are Bank Sahabat Sampoerna's main competitors?
Direct peers on record are Bank Jago (Jenius), BCA Digital (Blu), Seabank Indonesia, Allo Bank Indonesia and Bank BTPN (Jenius). Broad incumbents are Bank Central Asia (BCA), Bank Mandiri, Bank Danamon and CIMB Niaga. DBS Indonesia is listed as a regional player.
Does Bank Sahabat Sampoerna have an API?
Yes. Bank Sahabat Sampoerna offers an Open API platform at openapi.banksampoerna.co.id. The bank provides Virtual Account & Fund Transfer Host to Host services using Application Programming Interface (API) for corporate and financial institution customers to perform realtime transactions including fund transfers, balance checks, and payment reconciliation. Developer documentation is at openapi.banksampoerna.co.id.
What industry is Bank Sahabat Sampoerna in?
Bank Sahabat Sampoerna's product category is Retail and digital banking services. Its primary akta.pro industry code is FSABABAC, SME Deposits & Business Accounts (Operating, Savings, CDs). Its NAICS code is 5221 and its SIC code is 6021.