Raya - Digital Bank

Raya - Digital Bank is the digital banking solution designed to manage your personal and business finances in a single, seamless account. As part of the BRI Group, Raya empowers you to take control of your money with banking that fits your life—simple, secure, and supportive every day.

Opening an account takes just 4 minutes on your phone, with no monthly admin fees, no initial deposit requirements, and no minimum balance to maintain. Saving is completely free, removing barriers that keep many from building financial security. Whether you're a salaried employee, freelancer, or business owner, Raya makes it easy to get started without the hassle of traditional banking.

Manage your finances with precision using Saku Raya, a built-in financial management tool that helps you track monthly budgets, set savings goals, and even save together with up to 100 friends toward shared dreams. The ability to separate personal and business finances within one app means you no longer need multiple accounts—everything stays organized in one place. For entrepreneurs and business owners, Raya offers flexible loans up to IDR 25 million through Pinang Flexi, with special rates for those receiving salary payments via Raya or BRI.

Access your money across Indonesia with 25 Community Branch Raya locations strategically placed nationwide. Deposit cash at BRI Bank offices, BRILink agents, or Community Branch Raya. Withdraw whenever you need at Indomaret, BRI ATMs, BRILink agents, or any Community Branch Raya—banking convenience is never out of reach.

Your security is paramount. Smart login through fingerprint or face scan provides fast, secure authentication. For larger transactions, extra security layers activate automatically, combining OTP codes with facial verification to protect your money. These multi-layered protections ensure peace of mind with every transaction.

Beyond core banking, Raya rewards your loyalty with cashback, vouchers, and exclusive missions designed just for you. These incentives make banking more rewarding and encourage healthy financial habits.

Start celebrating ease with Raya - Digital Bank today. Your choice for digital banking just got smarter.