Superbank review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Superbank suits Indonesian borrowers who want a bank that lends directly, charges a fixed rate and can pay out the same day. Interest sits at 9.5% and an arrangement fee of 2.9% is deducted from the disbursement, so the headline cost is not the whole bill.

Key facts

Best for
A fixed rate personal loan or credit line from a direct lender in Indonesia, funded the same day once documents are complete.
APR
9.5% (Source, checked September 26, 2026)
Loan amount
IDR 200,000 to IDR 100,000,000 (Source, checked September 26, 2026)
Arrangement fee
Admin fee starts from 2.90%, deducted directly from the disbursement amount (Source, checked September 26, 2026)
Funding time
Maximum 1x24 hours, after all documents/bank requirements have been fulfilled (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Free early repayment
Yes (Source, checked September 26, 2026)
Eligibility
Age between 21 - 65 years old, Indonesian citizens, e-KTP, monthly income of IDR 2,000,000.00, comply with applicable Bank credit policies (Source, checked September 26, 2026)
Origination fee (%)
2.9% (Source, checked September 26, 2026)
Loan types
Personal, Credit-line (Source, checked September 26, 2026)
Legal entity
PT Super Bank Indonesia Tbk (Source, checked September 26, 2026)
Headquarters
Indonesia (Source, checked September 26, 2026)
Support channels
Email, Chat, Phone, Help-centre (Source, checked September 26, 2026)
Pricing model
Fixed rate
Features
Same-day funding, Credit line
Official website
superbank.id

Apps and profiles

Get the app
App Store
Elsewhere
WikidataLinkedInX

Pros and cons

Pros

  • Lends directly as PT Super Bank Indonesia Tbk, so the bank sets its own rate at a fixed 9.5%
  • Borrowing runs IDR 200,000 to IDR 100,000,000, covering small loans and larger ones
  • Free early repayment, so clearing the balance sooner costs nothing extra
  • Support runs on email, chat and phone

Cons

  • An arrangement fee of 2.9% is deducted from the disbursement, so the balance that reaches the account is smaller than the amount approved
  • Eligibility is limited to Indonesian citizens holding an e-KTP and a qualifying monthly income, which narrows the pool of applicants
  • The stated funding time counts from the moment every document and bank requirement is in place
Superbank

Ready to try Superbank?

Scored 9.0 / 10 by BorrowCue.

See alternatives

Who it suits

  • Indonesian adults with an e-KTP and a steady monthly income who want a personal loan and a credit line from one bank
  • Borrowers who repay ahead of schedule and value free early repayment
  • Anyone who needs funds the same day and can get the paperwork in order quickly

Who should look elsewhere

  • Cashspace, whose rates run PHP 12 to PHP 36, if you want a second lending market to weigh up
  • Monzo Flex, listing 10% to 23%, if a wider rate spread matters more to you than same-day funding
  • Cashspace ES, showing 0%, if you want a rate profile close to Superbank's 9.5%

How Superbank compares

Where Superbank is available

Available
Indonesia
Licence in Indonesia
Otoritas Jasa Keuangan (OJK), checked September 26, 2026
Licence in Indonesia
Bank Indonesia, checked September 26, 2026
Licence in Indonesia
Lembaga Penjamin Simpanan (LPS), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What rate does Superbank charge?+

Superbank publishes a base credit rate of 9.5%, and it is fixed rather than variable, so the cost of the balance does not shift. The arrangement fee is separate at 2.9%, and both apply to the personal loan and the credit line.

How much can I borrow?+

Borrowing runs IDR 200,000 to IDR 100,000,000, so the product covers both a small personal loan and a larger one. The same range applies to the credit line, as the bank offers both under its self-arranged loan.

What fees are taken at the start?+

An admin fee of 2.9% comes straight out of the disbursement rather than being billed later, so the balance that lands is smaller than the amount approved. Early repayment, on the other hand, is free.

Is Superbank regulated?+

Yes. The lender is PT Super Bank Indonesia Tbk, based in Indonesia, and the licensing entry for Indonesia names Otoritas Jasa Keuangan (OJK), Bank Indonesia and Lembaga Penjamin Simpanan (LPS).

Who can apply?+

Eligibility is aimed at adults who are Indonesian citizens, hold an e-KTP and show a qualifying monthly income, and who also have to comply with the bank's credit policies before any offer is made.

How quickly is the money paid out?+

Funding happens within the same day once all documents and bank requirements are met, and same-day funding is listed as a feature for both the personal loan and the credit line.

Can I repay early without a charge?+

Yes. Free early repayment is confirmed for the loan, so clearing the balance before the end of the term costs nothing. The fixed rate also means the interest charged on the remaining balance stays the same.

How do I get in touch?+

Support runs on email, chat and phone, so you can reach the bank by chat, phone, email or the help centre. As a direct lender, the same team handles the application and the questions that follow.

Sources

  • superbank.id/en checked September 26, 2026

    Backs: Funding time, Headquarters, Legal entity, Lender type, Support channels

    “maximum 1x24 hours, after all documents/bank requirements have been fulfilled”

  • superbank.id/en/produk-layanan/pinjaman/pinjaman-atur-sen... checked September 26, 2026

    Backs: Loan amount, Eligibility, Features, Free early repayment, Loan types, Pricing model, Arrangement fee, Origination fee (%), Rate type

    “Pinjaman Atur Sendiri: Credit Limit up to Rp 100 million ... You can withdraw loans starting from IDR 200,000”

  • superbank.id/en/produk-layanan/pinjaman/suku-bunga-dasar-... checked September 26, 2026

    Backs: APR

    “Prime Lending Rate (SBDK) (%) Retail 9.50% (COF + Overhead + Margin), effective starting September, 1st 2026”

  • ojk.go.id/id/Default.aspx checked September 26, 2026

    Backs: Licences

Compiled from 6 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Term, Credit check, Representative example.

Superbank

Superbank

A fixed rate personal loan or credit line from a direct lender in Indonesia, funded the same day once documents are complete.

9.0/10See alternatives

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