Maximize
Your Money's Potential

Earn 6.75% p.a interest. Fully insured by LPS. Zero fees, zero penalties.*

Registered and monitored by

Join 100,000+ others! 

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Registered and monitored by

*Whiz partners with banks that are licensed and regulated by OJK and are members of LPS.

EASY TRANSACTIONS

Fast Payment with QRIS and Split Bill

SAVE EVERY DAY

Get Interest Every Day with Day - to - Day Saver

SMART SAVINGS & INTEREST

Smart Saver Deposit with Interest up to 6,75%

As Featured In

Highest Return

Save and Earn More with 6.75% p.a.

Grow your money faster with Smart Saver. Earn >2.5% higher return than your conventional banks.

Safe & Secure

Enhanced Security for Your Savings.

Your money is always placed with partner banks and fully insured by Indonesia Deposit Insurance Corporation (LPS).

Flexible

Unmatched Flexibility, Fuss-Free.

Spend anywhere, track anytime. Access and manage your savings seamlessly — fund and withdraw across your existing bank accounts, whenever you want.

See What Your Money Can Be?

Enter the amount of saving you want to simulate

Your Money

Rp

Simulation Results Projection

1 Month Projection

Rp

3 Month Projection

Rp

6 Month Projection

Rp

12 Month Projection

Rp

*Note: The calculation mentioned above represents the principal with estimated interest, prior to a 20% tax deduction applicable for savings exceeding Rp7,500,000.

Whiz & Other Platforms Comparison

Other Platforms

Offers 1-7% p.a. returns based on placement and tenure.

Earning Potential

1 - 7% pa

  • SEE MORE

LPS coverage up to Rp2,000,000,000 per depositor per bank if savings rate doesn't exceed LPS's maximum of 4.25%. Should interest rate exceeds LPS’ rate, saving is not insured by LPS.

Security

Not always guaranteed by LPS

  • SEE MORE

Requires multiple sign-ups, leading to more statements, password management, and wasted time. Early withdrawal incurs penalties.

<span data-metadata=""><span data-buffer="">Convenience

Complicated registration process & penalty on early withdrawal​

  • SEE MORE

Always the highest Deposito Insurance Rate by LPS, currently 6.75% p.a., irrespective of placement or tenure.

Earning Potential

6,75% pa​

  • SEE MORE

Funds placed across multiple partner rural banks, all participants of Indonesia Deposit Insurance Corporation (LPS), ensuring each bank guarantees of 6.75% up to Rp2,000,000,000.

Security

All your money guaranteed by LPS

  • SEE MORE

Manage all your savings across banks using the Whiz app. Full control over your money with the flexibility to withdraw anytime.

<span data-metadata=""><span data-buffer="">Convenience

One app for all your money needs with flexible redemption options

  • SEE MORE

Whiz & Other Platforms Comparison

Other Platforms

Earning Potential

Offers 1-7% p.a. returns based on placement and tenure.

1 - 7% pa

  • SEE MORE

Always the highest Deposito Insurance Rate by LPS, currently 6.75% p.a., irrespective of placement or tenure.

6,75% pa

  • SEE MORE

Security

LPS coverage up to Rp2,000,000,000 per depositor per bank if savings rate doesn't exceed LPS's maximum of 4.25%. Should interest rate exceeds LPS’ rate, saving is not insured by LPS.

Not always guaranteed by LPS

  • SEE MORE

Funds placed across multiple partner rural banks, all participants of Indonesia Deposit Insurance Corporation (LPS), ensuring each bank guarantees of 6.75% up to Rp2,000,000,000.

All your money is guaranteed by LPS

  • SEE MORE

Convenience

Requires multiple sign-ups, leading to more statements, password management, and wasted time. Early withdrawal incurs penalties.

Complicated registration process & penalty disbursement during initial disbursement

  • SEE MORE

<span data-metadata=""><span data-buffer="">Manage all your savings across banks using the Whiz app. Full control over your money with the flexibility to withdraw anytime.

One app for all your money needs with flexible redemption options

  • SEE MORE

Let's Maximize Your Money's Potential!

Follow These 3 Simple Steps

Download & Register

Download the Whiz App from your Google Playstore / App Store and register

Verify Account

Verify your email and identity, then sign necessary documents via TekenAja.

Transfer Fund

Select funding method and make the transfer from your existing bank account 

Start Now

Why We Do What We Do?

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Frequently Asked Questions

What is Smart Saver?
Smart Saver is a long-term savings (deposit) product from Whiz in partnership with Bank Perekonomian Rakyat (BPR) and offers a high interest rate guaranteed by LPS. You can save your money within a certain period of time ranging from 1 month, 3 months, to 12 months with an automatic renewal option.
Is Smart Saver Safe?
Yes, Smart Saver is very safe because deposits are stored at BPRs that collaborate with Whiz. Whiz ensures that every BPR available has permits from the Financial Services Authority (OJK) and Bank Indonesia (BI), and is a member of the Deposit Insurance Corporation (LPS) – so your deposits are guaranteed (up to IDR 2 billion).
What does LPS-insured for funds mean?

LPS guarantees deposits in Indonesian banks up to Rp2,000,000,000 per depositor per bank (in the event of a bank failure). This guarantee covers the amount of deposits and interest, provided that the interest offered is within the LPS guaranteed interest rate.

What if the partner Bank/BPR experiences default or liquidation?

All Whiz partner banks/BPRs are Deposit Insurance Corporation (LPS) participants. Therefore, your deposits are guaranteed by LPS.

It is noted that bank liquidation in Indonesia is something that is very rare.

If any Whiz partner bank/BPR defaults or is in the process of liquidation, our Customer Service team will work with you to assist with the claim process to LPS to ensure that your deposits will be repaid.

How to Create Smart Saver?

Here's how to create a Smart Saver:

  1. Click 'Pockets' on the Whiz homepage
  2. Select 'Smart Saver'
  3. Determine the amount to be saved and choose the tenor
  4. Click 'Confirm Savings'
  5. Verify your email and verify your Whiz account
  6. Fill out and complete the Savings Form
  7. Fill in an active email, Whiz will send you a form via email to be signed
  8. Follow the instructions and sign the document online
  9. You will receive notification of successful savings opening
  10. Immediately top-up according to the selected savings amount
  11. Your Smart Saver has been created successfully!
Can I change my ARO status?
Yes, you can make changes to ARO option on the Smart Saver Details page, up to a maximum of 7 days before maturity.
Can I make a redeem my deposit before the maturity date?

Yes, if you meet the criteria for early redemption. Please contact [email protected] to see if you meet the criteria.

If approved, then you will not get the interest for the current month. However, you will get the entire principal and accumulated interest from the previous months.

How do I redeem Smart Saver?
The Smart Saver balance will be transferred to your main Whiz wallet or to your pre-selected bank account. The balance will be transferred on the due date as determined when opening the deposit. If the disbursement fails due to problems with the Whiz wallet or selected bank account, you can make the disbursement manually. See the question 'What if my disbursement fails?
What if I receive a redemption failure notification?

If you receive a notification of a failed withdrawal, follow these steps:

  1. Open the Whiz Pouch
  2. Select the Smart Saver to be disbursed
  3. Click 'Withdraw Balance' on the Smart Saver details
  4. Update the disbursement destination or change the destination account to another bank. Make sure the account owner's name matches the verified KTP data
  5. Click 'Confirm Balance Withdrawal'
  6. Your disbursement is being processed, a maximum of 2×24 hours on weekdays
What is Whiz?
Whiz is Indonesia’s first All-In-One App built for Gen Z, With Whiz, Gen Z can stash, transact and manage their money effortlessly.
Who is Whiz for?
Gen Zers. The app has been built with Gen Z in mind, though we have note that sometimes parents have come onto the app to provide additional support to their children.
I don’t have a KTP yet, can I use Whiz?

Fret not! Everyone of all ages can use Whiz.
Enjoy additional benefits like –

  • Unlimited FREE transfers
  • Increase in wallet balance up to 20 million rupiah
  • Balance protection against fraud,

by inviting your parents to create and link an account. See “How do I link to a Parent or Child?”

Learn More