Pocket (PT Pocket Usaha Bersama) is an Indonesia-based consumer fintech operating a mobile family-finance app with budgeting, transaction tracking, and shared family wallets, serving Indonesian households, beginner finance users, and students via OCBC- and AGI-powered funding sources.
- Company typePrivate
- Founded2022
- HeadquartersDki Jakarta, Indonesia
- Headcount11–50
- GTM typeB2C
- OfferingSoftware
What Pocket does
Pocket (legal entity PT Pocket Usaha Bersama) is an Indonesia-based consumer fintech that operates a mobile family-finance application targeting Indonesian households, beginner finance users, and young adults and students. The product combines three core modules — Pocket Keluarga for shared family wallets and intra-family transfers, a Budgeting tool for monthly plans and overspend alerts, and an automated Transaction Tracking feature with auto-categorization — into a single Android and iOS app distributed exclusively via Google Play and the Apple App Store. Two differentiated funding sources sit on top of the core app: PoCash, a digital wallet powered by AGI Cash (Bank Artha Graha International) enabling phone-number onboarding and QRIS transactions with GPN merchants, and PoSave, an OCBC-powered savings account offering free interbank transfers, a Mastercard debit card, and unlimited balance storage.
The technology stack is a regulated fintech wrapper built on Indonesia's national payment rails — QRIS, GPN, and BI FAST — and on two partner banks (OCBC NISP and AGI Cash) rather than on proprietary banking infrastructure. Pocket generates revenue through small per-transaction fees (Rp6,500 for external top-ups and interbank transfers), a Rp10,000 monthly PoSave administration fee on accounts averaging below Rp1,000,000 in balance, and QRIS merchant processing. The core app is freemium with no minimum age, and growth is driven by product-led self-serve onboarding, an editorial blog, active social channels (Instagram, Facebook, TikTok), and the #PejuangFinansial community plus Pocket Finance Camp events. Pocket is licensed by Bank Indonesia and registered with Kominfo, and operates from Jakarta with 11-50 employees.
Pocket firmographics
Firmographics- Name
- Legal name
- PT Pocket Usaha Bersama
- Website
- https://pocket.co.id
- Company type
- Private
- Founded year
- 2022
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Pocket (PT Pocket Usaha Bersama) is an Indonesia-based consumer fintech operating a mobile family-finance app with budgeting, transaction tracking, and shared family wallets, serving Indonesian households, beginner finance users, and students via OCBC- and AGI-powered funding sources.
- Ownership category
- akta.pro rank
Pocket industry classification
Industry- Product category
- Personal Finance Management
- akta.pro primary industry
- Youth / Family Wallets & Allowance Payments (FSAMAEAK)
- akta.pro secondary industries
- QR Code Payments Wallets (FSAMAEAC), Budgeting & Cash-Flow Management (FSAGADAA)
Keywords
Where Pocket is headquartered
LocationHeadquarters
- HQ city
- Dki Jakarta
- HQ country
- Indonesia
- HQ region
- Asia
Offices1 record
Markets served
Pocket business model
Business model- GTM type
- B2C
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure
Revenue model
- Transaction and Transfer Fees: Pocket generates revenue through transaction fees including top-up fees at external banks (Rp6,500) and inter-bank transfer fees (Rp6,500 via BI FAST). Internal transfers between PoCash users are free, creating an incentive for user retention within the ecosystem.
- Monthly Administration Fees (PoSave): Monthly account maintenance fee of Rp10,000 applies to PoSave accounts with average monthly balance below Rp1,000,000. Free for accounts meeting the balance threshold.
- QRIS Transaction Processing: Revenue generated through QRIS merchant transaction processing fees, with free QRIS transactions for users.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Freemium | Monthly | Pocket Account - Free Core Service |
| Transaction based/ take rate | Pay-as-you-go | PoCash by AGI - Digital Account |
| Hybrid | Monthly | PoSave by OCBC - Savings Account |
Go-to-market motion1 record
Distribution channels2 records
Marketing channels6 records
Pocket product offering
Product offeringCore offering
Pocket is a family finance management mobile application that enables Indonesian families to coordinate household budgets, monitor spending, and track family transactions in a single unified platform. The app offers two distinct funding sources: PoCash (a digital wallet by AGI Cash enabling QRIS payments via phone number activation) and PoSave (a savings account by OCBC offering free interbank transfers, a Mastercard debit card, and unlimited balance storage). Core capabilities include Pocket Keluarga for family money transfers, monthly budgeting with overspend alerts, and automatic transaction categorization with statistical spending insights.
Product overview
Pocket is a unified family finance mobile application that consolidates budgeting, spending tracking, and family money management into a single platform available on Android and iOS. The core Pocket app serves as the central hub, supported by two distinct funding sources: PoCash (powered by Agi Cash, enabling QRIS payments and basic transfers via phone number) and PoSave (powered by OCBC, offering a Mastercard debit card, virtual accounts, and fee-free inter-bank transfers). The product suite also includes Pocket Keluarga for shared family money management, a Budgeting module for monthly planning, a Tracking feature with automatic transaction categorization and overspend alerts, plus community features (Pocket Finance Camp events and the Pocket Community platform) for financial education.
Differentiator
Problem solved
Functional benefit
Brands
- PoCash: Digital wallet feature powered by AGI Cash (Bank Artha Graha International) enabling QRIS transactions with GPN merchants using just phone number
- PoSave
Companies that use Pocket
Customer profileNamed customers3 records
Segments3 records
Ideal customer profiles3 records
Pocket technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration6 records
Feature5 records
Pocket partnerships and signals
Strategic signalPartnerships
Three partnerships are on record, tiered core and minor.
- OCBC NISP BankcoreOCBC provides the PoSave banking feature integrated into Pocket, enabling users to have a savings account with Mastercard debit card, free interbank transfers, and unlimited Pocket balance storage. The partnership leverages OCBC's banking infrastructure to deliver financial services within the Pocket app.
- AGI Cash (Bank Artha Graha International)coreAGI Cash powers the PoCash digital account feature within Pocket, allowing quick activation via phone number, QRIS transactions with GPN merchants, and free internal transfers. Users can top up through the Agi application.
- Kementerian Pendidikan, Kebudayaan, Riset, dan Teknologi (Kemendikbudristek)minorListed as a working partner, suggesting collaboration on financial education initiatives targeting students and educational institutions.
Scale indicators2 records
Recent moves6 records
Expansion highlights4 records
Pocket competitors and assessment
Company assessmentDirect peers
- LinkAja: Telkom-backed Indonesian digital wallet serving mass-market consumers with QRIS and basic financial services. Comparable to Pocket on the consumer wallet and basic banking-adjacent services axis.
- ShopeePay: E-commerce-anchored wallet from Sea Group serving Indonesian consumers with QRIS and merchant payments. Directly competes with Pocket on consumer QRIS usage and family spending flows.
- Bank Jago: Indonesian digital bank offering a multi-pocket savings experience, PFM, and QRIS payments inside a banking app. Highly comparable to Pocket's PoSave + budgeting combination, with full banking infrastructure.
- DANA: Indonesian digital wallet offering QRIS payments, P2P transfers, and a broad consumer payments experience. Comparable to Pocket as a general-purpose consumer wallet targeting Indonesian families and individuals.
- OVO: Major Indonesian digital wallet with QRIS payments, P2P transfers, and merchant acquiring. Direct competitor to Pocket's PoCash-style functionality, with deep distribution through Grab and offline merchants.
- GoPay: Indonesia's largest digital wallet, part of the GoTo ecosystem (Gojek + Tokopedia). Directly comparable to Pocket on QRIS payments and consumer wallet functionality, with much greater scale and ecosystem reach.
- Jenius (Bank BCA): Digital banking app from Bank BCA offering budgeting, 'e-money' pockets, P2P, and savings. Most comparable to Pocket on the family-pocket + budgeting positioning, with a much larger incumbent-bank backing.
Emerging players
- Flip: Indonesian fintech for interbank transfers, bill payments, and corporate payouts. Comparable to Pocket on the BI FAST / interbank transfer functionality, especially within the PoCash flow.
- Bibit: Indonesian robo-advisor and mutual-fund platform with a PFM-style onboarding flow. Comparable to Pocket on the beginner-finance and Indonesian-retail-savings axis, though focused on investments rather than wallets.
Regional players
- TrueMoney: SEA-wide digital wallet under Ascend Money (CP Group) with Indonesian operations. Comparable to Pocket on QRIS / consumer wallet functionality, though it benefits from broader regional scale and corporate backing.
Market position
Strengths4 records
Weaknesses5 records
Competitive moat4 records
Key risks5 records
Key highlights6 records
Customer concentration
Pocket social profiles
Digital presencePocket compliance and trust
Trust signalCompliance2 records
Pocket financial estimates
Financial estimateRevenue estimate
Valuation estimate
Pocket leadership team
Management profileNumber of profiles
Pocket funding detail
Funding detailFunding overview
Funding rounds1 record
Investors1 record
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Pocket 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 Pocket
What does Pocket do?
Pocket is a family finance management mobile application that enables Indonesian families to coordinate household budgets, monitor spending, and track family transactions in a single unified platform. The app offers two distinct funding sources: PoCash (a digital wallet by AGI Cash enabling QRIS payments via phone number activation) and PoSave (a savings account by OCBC offering free interbank transfers, a Mastercard debit card, and unlimited balance storage). Core capabilities include Pocket Keluarga for family money transfers, monthly budgeting with overspend alerts, and automatic transaction categorization with statistical spending insights.
Is Pocket a public or private company?
Pocket is a private company. It is classified as venture growth investor backed and is currently operating.
When was Pocket founded?
Pocket was founded in 2022. It employs 11 to 50 people.
Where is Pocket based?
Pocket is headquartered in Dki Jakarta, Indonesia, in the Asia region.
How does Pocket make money?
Three revenue lines are on record. Transaction and Transfer Fees are the primary driver. The others are monthly Administration Fees (PoSave) and QRIS Transaction Processing.
Who are Pocket's main competitors?
Direct peers on record are LinkAja, ShopeePay, Bank Jago, DANA, OVO, GoPay and Jenius (Bank BCA). Emerging players are Flip and Bibit. TrueMoney is listed as a regional player.
Does Pocket have an API?
No public API is recorded for Pocket.
What industry is Pocket in?
Pocket's product category is Personal Finance Management. Its primary akta.pro industry code is FSAMAEAK, Youth / Family Wallets & Allowance Payments, with a secondary code of FSAMAEAC, QR Code Payments Wallets.