Top Investment Apps in Indonesia for 2025

Evolving Investment Landscape

The investment landscape in Indonesia is undergoing significant transformation in 2025, driven by the growing adoption of digital platforms among younger investors. Millennials and Gen Z are seeking investment solutions that combine modern technology with comprehensive financial products. According to Jason Gozali, Co-Head of Sales & Investment Research at Pluang, "The new generation of investors is not just looking for returns, they are seeking relevance. Crypto, AI, and technology assets are the investment language of millennials and Gen Z."

Top 5 Investment Apps

1. Pluang: Positioned as one of Indonesia's most comprehensive investment platforms, Pluang offers access to over 2,000 investment products including crypto, US stocks & ETFs, Indonesian stocks (soon), gold, mutual funds, and crypto futures & options. The platform is regulated by Bappebti and OJK, ensuring robust security measures. Transaction costs are competitive, with 0% for instant orders, 0.10% maker fee, and 0.15% taker fee for crypto transactions.

2. M-STOCK: Developed by PT Mirae Asset Sekuritas Indonesia, this platform specializes in domestic stock trading through a digital ecosystem. The app is available on both Android and iOS platforms, making it convenient for retail investors to open accounts and execute trades.

3. BIONS: This multi-investment platform allows users to trade BEI stocks and mutual funds through a single integrated ecosystem accessible via web and mobile platforms. Features include limit orders and auto-order capabilities for enhanced trading convenience.

4. BCA Sekuritas: As a established securities firm, BCA Sekuritas offers brokerage services for stock/ETF trading on the Indonesia Stock Exchange, as well as access to fixed income instruments like bonds. The platform features Automatic Order (Stop Loss/Take Profit) and provides real-time market data and charts.

5. Growin': Developed by Mandiri Sekuritas, this platform supports Indonesian stock trading while also providing access to mutual funds and bonds within a single digital ecosystem.

Key Considerations for Investors

When selecting an investment app, Indonesian investors should consider several critical factors:

1. Regulatory Compliance: Ensure the platform is licensed and regulated by relevant authorities such as OJK and Bappebti
2. Product Range: Consider the variety of investment products offered
3. Security Measures: Look for platforms that provide robust security features and insurance for transactions
4. Fee Structure: Understand all associated costs including transaction fees and management fees
5. Risk Profile: Be aware of the risk associated with different investment products, particularly high-risk instruments like leveraged trading and options

Conclusion

The investment app landscape in Indonesia is becoming increasingly competitive in 2025, with multiple platforms offering unique features and comprehensive investment solutions. Pluang stands out for its extensive product range and strong regulatory compliance, while other platforms specialize in specific investment areas. Investors should carefully evaluate each platform's features, security measures, and associated risks before making investment decisions.