What LINE Bank does

LINE Bank is the digital banking brand of PT Bank KEB Hana Indonesia, a commercial bank majority-owned by South Korea's Hana Financial Group. The platform is licensed and supervised by Indonesia's OJK and Bank Indonesia and participates in the LPS deposit insurance scheme, operating exclusively in Indonesia as a mobile-first digital bank embedded within LINE Messenger. Brand history traces to 1971, with the parent rebranded to Bank Hana in 2020 and the LINE Bank digital proposition launched in 2021; the broader Indonesian footprint is supported by approximately 21 physical Hana Bank branches across major cities.

The product suite is delivered through a mobile application integrated with LINE Messenger and spans savings (regular, goal-based, and payroll variants), time deposits (Deposito with three variants), debit cards (Visa and GPN with LINE Friends and BT21 character designs), an NFC Korean transportation card (ezCard), unsecured personal loans (KTA), revolving credit (Quick Credit), payroll-tied loans (KTA Payroll), QRIS payments, and mutual fund distribution with Robo advisory. The underlying technology stack includes biometric authentication (fingerprint and facial recognition), QRIS payment rails, and NFC-enabled card functionality, with the mobile app operating as the primary customer interface.

Revenue is generated through interest income on personal loans (KTA, Quick Credit, KTA Payroll), net interest spread on deposits and savings, transaction fees (interbank transfers, ATM withdrawals), loan processing fees (around 3% provision), and mutual fund distribution fees (1% on purchase, 0.5% on redemption). The go-to-market motion combines product-led distribution through LINE Messenger with a B2B2C payroll acquisition channel targeting employees of corporate partners, supported by a Member Get Member referral program. The customer base is Indonesian retail consumers, corporate employees via payroll, salary-based borrowers, and retail investors, with no published enterprise customer concentration metrics.

Name

LINE Bank

Legal name

PT Bank KEB Hana Indonesia

Website

https://linebank.co.id

Company type

Private

Founded year

2021

Operating status

Operating

Headcount range

501–1,000 employees

Short description

LINE Bank is the digital banking brand of PT Bank KEB Hana Indonesia, offering Indonesian consumers mobile-first savings, loans, payments, and investment products integrated with LINE Messenger under OJK and Bank Indonesia supervision.

Ownership category

akta.pro rank

Product category

Digital Banking

NAICS

Commercial Banking (52211), Commercial Banking (522110)

SIC

National Commercial Banks (6021), State Commercial Banks (6022)

akta.pro primary industry

Digital Retail Banking (Online & Mobile) (FSABAAAF)

Keywords

• Digital banking services
• Consumer lending
• Retail deposits
• Mobile payments
• Mutual fund investment

Headquarters

HQ city

Jakarta

HQ country

Indonesia

HQ region

Asia

Offices21 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure, Others

Revenue model

1. Interest Income from Loans: LINE Bank earns interest income from unsecured personal loans (KTA), Quick Credit facilities, and payroll loans. Interest rates start from 0.99% per month for KTA and 1.79% per month for Quick Credit.
2. Deposit Interest Spread: The bank generates revenue from the spread between interest paid to depositors on savings and time deposits versus lending rates. Deposito products offer competitive rates up to 6.25% p.a.
3. Transaction Fees: Fees from various transactions including interbank transfers (Rp 6,500 per transaction after free quota), ATM withdrawals from other banks, and card-related services.
4. Loan Processing Fees: Provisi fee of 3% charged on approved loan limits, plus penalty fees for late payments and early repayment.
5. Mutual Fund Distribution: Revenue from mutual fund transactions including 1% purchase/top-up fees and 0.5% selling fees on all mutual fund products distributed through the platform.

Pricing tiers

Go-to-market motion2 records

Distribution channels6 records

Marketing channels10 records

Core offering

LINE Bank is a mobile-first digital banking platform operated by PT Bank KEB Hana Indonesia that delivers savings accounts, time deposits, debit cards, unsecured personal loans, revolving credit, QRIS payments, and mutual fund investments through its smartphone application integrated with the LINE Messenger ecosystem. The service combines fee-free basic banking with innovative features such as AI-powered Robo investment advisory, biometric authentication, and the ezCard Korean transportation prepaid card, while leveraging Hana Bank's full banking license and physical branch/ATM infrastructure in Indonesia.

Product overview

LINE Bank is a digital banking platform operated by PT Bank KEB Hana Indonesia, offering a comprehensive suite of banking products through its mobile application. The core product portfolio centers on three pillars: (1) Savings & Deposits including Tabungan (regular savings), Goal Savings (time-based savings with auto-debit), Savings Payroll (employer-integrated payroll accounts), and Deposito (time deposits in Flexi, Regular, and Reward variants); (2) Lending products comprising KTA (unsecured personal loans), Quick Credit (revolving credit lines), and KTA Payroll (employer-specific loans); (3) Payment & Investment services including Kartu Debit (Visa/GPN debit cards with LINE Friends and BT21 designs), ezCard (Korean transportation prepaid card), QRIS (QR code payments), and Reksa Dana (mutual funds with Robo-advisory). The platform integrates with the Hana Bank branch network and ATM infrastructure for physical service access.

Differentiator

Problem solved

Functional benefit

Products and services

• Tabungan (Savings Account) Core digital savings account for Indonesian consumers with zero monthly admin fee, zero minimum balance, free account opening/closure, free transfers to other banks within the free quota, free ATM withdrawals at Hana Bank and connected ALTO, Bersama, and PRIMA networks, and 24/7 mobile access via LINE Bank app.
• Goal Savings Time-based savings product with two variants — Goal Savings Basic (auto-debit from Rp 100,000/month, terms of 6/12/24/36 months, interest up to 5% p.a., 1% early withdrawal penalty minimum Rp 50,000) and Goal Savings Reward (offers upfront gifts based on program scheme) — for customers building savings toward specific goals.
• Savings Payroll Payroll savings account for employees of LINE Bank payroll partner companies, offering free admin, 24/7 access, free 50x monthly transfers, and access to employee-specific KTA Payroll loan facilities up to Rp 200 million.
• Deposito (Time Deposit) Digital time deposit with three variants — Flexi Deposit (flexible withdrawal with competitive break rates), Regular Deposit (1-12 month terms with tiered competitive interest), and Deposit Reward (upfront gift incentives) — minimum placement from Rp 1,000,000 to maximum Rp 1,000,000,000, with 20% tax on interest.
• Kartu Debit LINE Bank (Debit Card) LINE Bank debit card available with LINE Friends character designs (Brown, Cony, Sally) on Visa and GPN networks, offering cashback up to 50% at partner merchants, instant issuance and home delivery, and international transaction capability on Visa cards.
• Kartu Debit BT21 Special-edition debit card featuring BT21 characters in purple, offering 21% cashback at partner merchants, QRIS cashback promotions on the 21st of each month, and Visa Contactless payment for faster domestic and international transactions.
• ezCard (Korean Transportation Card) NFC-enabled prepaid card for Korean transportation and merchant payments in South Korea, usable on buses, subways, and taxis plus 40,000+ merchants. Top-up is performed via the LINE Bank app using NFC on smartphones, with application fee Rp 1, top-up fee Rp 5,000 per transaction, and maximum card balance equivalent to Rp 2,000,000.
• KTA (Unsecured Personal Loan) Unsecured personal loan (Kredit Tanpa Agunan) with limits from Rp 5 million to Rp 100 million, interest starting from 0.99% per month, 3-6 month tenor for smaller loans and 12 months for larger amounts, 3% provision fee, and no collateral requirement; application uses e-KTP verification with credit limit check completed in minutes.
• Quick Credit Revolving credit facility with limits from Rp 1 million to Rp 100 million, 0% interest for the first 30 days, then 1.79% monthly rate, 3% disbursement fee, and Rp 125,000 annual fee; the facility is connected to the LINE Bank debit card for seamless transactions.
• KTA Payroll Employee-specific unsecured loan facility available through Savings Payroll accounts, with limits up to Rp 200,000,000, flat rate of 0.99% per month, 3.5% provision fee, no admin fee, 5% early repayment fee, 0.2%/day late penalty, and tenors from 12-36 months.
• QRIS Payment QRIS scan-and-pay payment service allowing transactions at Indonesian merchants accepting the QR Code Indonesia Standard, with per-transaction limit up to Rp 5,000,000 and daily limit Rp 30,000,000; supports both static and dynamic QR codes and is free when used with Quick Credit.
• Reksa Dana (Mutual Fund Investment) Mutual fund investment product with two modes — Robo (AI-powered portfolio allocation across 4 fund types based on user's risk profile, minimum Rp 2,000,000) and Retail (self-selected funds, minimum Rp 100,000). Includes a regular investment feature for weekly or monthly contributions, with 1% purchase/top-up fee and 0.5% selling fee, and maximum per transaction of Rp 1,000,000,000.

Quantifiable outcome

• Free transfers up to 50x per month via digital app
• +5 more outcomes

Segments4 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature6 records

Partnerships

19 partnerships are on record, tiered minor, flagship and core.

• IHG Hotels & ResortsminorGTM or Marketing Partner · 27 February 2026Global hospitality partner offering 20% discount on IHG hotel reservations for LINE Bank Visa debit cardholders using corporate code 787060609.
• Swiss-Belhotel InternationalminorGTM or Marketing Partner · 11 February 2026Hospitality partner offering 25% discount on stays across Swiss-Belhotel properties in Indonesia, Australia, New Zealand, Philippines, Malaysia, and Middle East for LINE Bank Visa debit cardholders.
• LY Corporation (LINE Corporation)flagshipTechnology or IntegrationLINE Bank uses the LINE messaging platform and LINE ID infrastructure for customer authentication, notifications, and service delivery. The partnership enables LINE Bank to leverage LINE's extensive user base in Indonesia for customer acquisition and engagement.
• VISAcoreTechnology or IntegrationVISA provides the payment network for LINE Bank debit cards, enabling domestic and international transactions. LINE Bank offers VISA contactless (tap-to-pay) functionality on select cards including the BT21 edition.
• Allianz IndonesiacoreStrategic or Co-development PartnerAllianz provides mutual fund products distributed through LINE Bank platform including Alpha Sector Rotation (equity), Rupiah Liquid Fund (money market), and Sri-Kehati Index Fund.
• PT Schroder Investment Management IndonesiacoreStrategic or Co-development PartnerSchroder provides multiple mutual fund products distributed through LINE Bank including 90 Plus Equity Fund, Dynamic Balanced Fund, Dana Andalan II, Dana Istimewa, Dana Kombinasi, Dana Likuid, Dana Mantap Plus II, Dana Prestasi, Dana Prestasi Plus, Syariah Balanced Fund, and Dana Terpadu II.
• PT Batavia Prosperindo Aset ManajemencoreStrategic or Co-development PartnerBatavia provides mutual fund products including Dana Dinamis (balanced), Dana Kas Maxima (money market), Dana Likuid (money market), Dana Obligasi Ultima (fixed income), Dana Saham (equity), Dana Saham Optimal (equity), Dana Saham Syariah (shariah equity), and LQ45 Plus (index equity).
• BNP Paribas Investment Partners IndonesiacoreStrategic or Co-development PartnerBNP Paribas provides mutual fund products including Rupiah Plus (money market), Sri Kehati (index equity), Ekuitas (equity), Prima II (fixed income), and IDX Growth30 (index equity).
• PT Syailendra CapitalcoreStrategic or Co-development PartnerSyailendra provides mutual fund products including Dana Kas (money market), Pendapatan Tetap Premium (fixed income), Fixed Income Fund, MSCI Indonesia Value Index Fund, Equity Opportunity Fund, and Balanced Opportunity Fund.
• PT Principal Asset Management IndonesiacoreStrategic or Co-development PartnerPrincipal provides mutual fund products including Cash Fund (money market) and Index IDX30 (index equity) distributed through LINE Bank.
• PT Sucorinvest Asset ManagementcoreStrategic or Co-development PartnerSucorinvest provides mutual fund products including Bond Fund (fixed income), Equity Fund, and Premium Fund (balanced) distributed through LINE Bank.
• BlibliminorGTM or Marketing PartnerE-commerce partner offering exclusive discounts up to Rp 250,000 for LINE Bank debit cardholders on shopping transactions.
• TokopediaminorGTM or Marketing PartnerE-commerce partner offering up to Rp 85,000 in discounts for LINE Bank debit cardholders.
• ShopeeminorGTM or Marketing PartnerE-commerce partner offering up to Rp 180,000 in discounts for LINE Bank debit cardholders.
• LazadaminorGTM or Marketing PartnerE-commerce partner offering up to Rp 425,000 in discounts for LINE Bank debit cardholders.
• ZaloraminorGTM or Marketing PartnerFashion e-commerce partner offering up to Rp 175,000 in discounts for LINE Bank debit cardholders.
• Korean Transportation NetworkscoreStrategic or Co-development PartnerPartnership enabling LINE Bank's ezCard for use on all Korean transportation including buses, subway, and taxis, plus 40,000+ merchants across South Korea.
• Bank Indonesia / QRIS NetworkcoreTechnology or IntegrationLINE Bank participates in the QRIS (QR Code Indonesia Standard) payment network developed by Bank Indonesia and ASPI, enabling QR code payments across Indonesia.
• Corporate Employers (Payroll Partners)coreChannel Partner/ Reseller/ DistributorCorporate employers partner with LINE Bank to offer payroll services to employees, providing salary disbursement and access to preferential financial products.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Bank Central Asia (BCA): Indonesia's largest privately-owned commercial bank with full branch and digital channels. Represents the broad incumbent benchmark for retail deposits, payments, and consumer credit in the same market as LINE Bank.
• Bank Mandiri: Largest state-owned Indonesian bank with national branch network and growing digital channels. Comparable incumbent competing with LINE Bank in retail deposits, payroll, and consumer lending.
• DBS Bank Indonesia: Singapore-headquartered bank with Indonesian operations focused on digital wealth and SME banking. Comparable as a regional incumbent with strong digital banking and investment product capabilities overlapping LINE Bank's offering.

Emerging players

• Kakao Bank: Korean digital bank built on the KakaoTalk messaging platform, leveraging a similar messenger-anchored distribution strategy. The closest analogue to LINE Bank's LINE Messenger integration model, providing a useful international benchmark.
• Bank Neo Commerce: Indonesian digital bank focused on retail and micro-lending via a mobile-first platform. Comparable as a smaller-scaled digital-first competitor with similar product mix in payments and unsecured lending.

Direct peers

• SeaBank Indonesia: Digital bank from the Sea Group ecosystem, leveraging Shopee for distribution. Comparable as a messaging/e-commerce-anchored digital bank targeting Indonesian consumers with low-fee deposits and embedded lending.
• Blu by BCA Digital: Digital bank backed by Indonesia's largest incumbent (BCA), offering mobile savings, payments, and lending. Direct competitor with similar digital-first retail positioning and strong brand association.
• Bank Jago: Indonesian digital bank serving retail consumers and SMEs via a mobile app, offering savings, payments, lending, and investments. Most directly comparable peer to LINE Bank given shared digital-first retail focus and similar product breadth in Indonesia.
• Bank Aladin Syariah: Indonesian digital bank targeting retail and UMKM customers through a mobile platform. Comparable as a smaller-scaled app-led challenger competing in the same digital retail niche as LINE Bank.
• Jenius (BTPN): Digital banking service from Bank BTPN targeting Indonesian professionals with fee-free savings, e-money, and lending. Comparable as a pioneering app-led retail bank in the same Indonesian market.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/linebankid
• YouTubeyoutube.com/channel/UCH8yaCVKN0gVQg1HSDiqK4Q
• Facebookfacebook.com/linebankid
• Instagraminstagram.com/linebankid
• TikToktiktok.com/@linebankid

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about LINE Bank