Updated September 28, 2026 · VaultCue Editorial Team
Satispay vs SeaBank Indonesia
Satispay
Higher score in this comparison
SeaBank Indonesia
What sets them apart
| Compare | SatispayReviewSee alternativesSee alternatives | SeaBank IndonesiaReviewSee alternativesSee alternatives |
|---|---|---|
| Monthly fee | €0 | IDR 0 |
| Transfer fee | Free to send and receive money to contacts and for SEPA transfers (0 EUR); instant availability top-up 1.00 EUR | Free transfer up to 100 times per month |
| Deposit protection | EU DGS up to EUR 100,000 | Not confirmed |
| Currency conversion fee | 0.5% | Not confirmed |
| Local account details | IBAN | Not confirmed |
| Free ATM withdrawals | €200 | Not confirmed |
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Key differences
- Satispay is available in 29 more countries.
- Support channels: only Satispay offers Email, Phone.
- Audience: only Satispay offers Travelers.
- Audience: only SeaBank Indonesia offers Student.
- Pricing model: only Satispay offers Low FX.
Our verdict on each
Satispay
Satispay suits everyday spenders and travellers who want no monthly charge, cheap currency conversion and instant transfers between users. The monthly fee is €0, the conversion fee is 0.5%, and the trade off is the savings yield, which sits at 2.61% against a site median of 3%.
SeaBank Indonesia
SeaBank Indonesia suits business owners and students who want an easy-access savings account with a monthly fee of IDR 0 and free transfers within a monthly allowance. Its headline rate of 3.5% sits close to the savings account median, 3.08%, so the case rests on cost and access.
Score breakdown
| Area | Satispay | SeaBank Indonesia |
|---|---|---|
| Cost | 9.2HigherMonthly fee of €0, currency conversion fee of 0.5% and free transfers to contacts sit well against the site median of 0.5%. | 9.1No monthly charge: IDR 0, with transfers free within a monthly allowance at IDR 0. |
| Offer | 9.3HigherSavings pay 2.61% at a variable rate with a €0 minimum, plus €200 of free ATM use. | 8.6Easy-access balance with interest paid every day at a variable rate of 3.5%. |
| Trust | 8.5 | Not confirmed |
How they place
| Ranking | Satispay | SeaBank Indonesia |
|---|---|---|
| Savings accounts | 435 of 1420 | 436 of 1420 |
| Business bank accounts | 185 of 563 | 186 of 563 |
| Money transfer services | 322 of 1564 | 323 of 1564 |
Every fact side by side
| Fact | Satispay | SeaBank Indonesia |
|---|---|---|
| Audience | Travelers, Business | Business, Student |
| Pricing model | No monthly fee, Low FXCovers more | No monthly fee |
| Features | Free ATM, Digital only | Not confirmed |
| Legal entity | Satispay Europe SA | PT Bank Seabank Indonesia |
| Headquarters | Luxembourg | Indonesia |
| Founded | 2014 | Not confirmed |
| Support channels | Email, Phone, Help centreCovers more | Help centre |
Savings
| Fact | Satispay | SeaBank Indonesia |
|---|---|---|
| Headline rate | 2.61% | 3.5%Higher |
| Rate type | Variable | Variable |
| Minimum deposit | €0 | Not confirmed |
| Access terms | Immediate availability, no lock-in, no withdrawal limits; savings moved instantly to Disponibilita | Savings interest calculated and paid daily |
| Account kind | Easy access | Easy access |
Money transfer
| Fact | Satispay | SeaBank Indonesia |
|---|---|---|
| Exchange rate markup | 0.5% to 1% | Not confirmed |
| Delivery time | Real time, instant between Satispay users | Not confirmed |
| Payout methods | Bank, Wallet, Card | Bank, Cash pickup, Wallet |
| Fee to send 1,000 | €0 | IDR 0 |
Where each stands against the rest
| Fact | Satispay | SeaBank Indonesia | Median |
|---|---|---|---|
| Currency conversion fee | 0.5%at the median | Not confirmed | 0.5% |
| Free ATM withdrawals | €200above the median | Not confirmed | €1 |
Median across 377 listed accounts.
Pros and cons
Satispay
Pros
- A monthly fee of €0, and Satispay ranks 1 of 500 on cost
- Transfers between Satispay users are Real time, instant between Satispay users, and the transfer fee to contacts is €0
- Savings pay 2.61% at a variable rate from a €0 minimum, with immediate availability
Cons
- The savings yield of 2.61% trails the 3% site median
- Cash pickup is not among its payout methods (bank, wallet and card), which cover a bank, a wallet or a card
- The currency conversion margin runs 0.5% to 1%, above the 0.9% site median
SeaBank Indonesia
Pros
- Interest is calculated and credited every day on an easy-access balance, so money earns without waiting on a cycle.
- Transfers are free within a monthly allowance, with the fee set at IDR 0.
- Payouts reach a bank account, cash pickup or a wallet: bank, cash pickup and wallet.
Cons
- The headline rate ranks 184 of 473 compared brands, so rate is not the reason to choose it.
- Support runs on help centre alone, so questions have no phone or live chat route listed.
- The rate is variable rather than fixed, so the 3.5% headline can move and returns are not locked in.
Who each suits
Satispay
Who it suits
- Everyday spenders who want an account with no monthly charge and free transfers
- Travellers paying in several currencies who weigh the conversion fee before the rate
- People holding a savings balance they can draw on immediately, with no lock in
Who should look elsewhere
- Skrill or bunq if you want a different provider altogether, since their conversion fees of 3.99% and 3% mean switching does not cut your cost
- PayPal Colombia if you want a wallet for international shopping rather than an everyday euro account
SeaBank Indonesia
Who it suits
- Indonesian business owners who want a plain savings balance for day to day cash, with the fee at IDR 0
- Students starting to save who want easy access and interest credited every day
- Anyone who takes payouts to a bank account, cash pickup or a wallet, as bank, cash pickup and wallet allows
Who should look elsewhere
- Plazo ES, which lists a headline rate of 24.19%, far above 3.5% here
- AXI Card, where 21.59% applies to a card offer rather than a savings balance
- PayPal Colombia, which reaches saving through a wallet at 3.3% instead of a bank savings account
Current offers
Satispay
Current offer
Bonus
Welcome Bonus 5 EUR with code WEB: 5 EUR
Sign up by downloading the app and use code WEB
Source, checked September 26, 2026
Country by country
| Country | Satispay | SeaBank Indonesia |
|---|---|---|
| Austria | Yes | No |
| Belgium | Yes | No |
| Bulgaria | Yes | No |
| Croatia | Yes | No |
| Cyprus | Yes | No |
| Czechia | Yes | No |
| Denmark | Yes | No |
| Estonia | Yes | No |
8 of 31 countries where either is available.
Questions about each
Satispay
What does Satispay cost to keep?+
The monthly fee is €0, and no monthly charge is the model listed. Sending and receiving money to contacts and SEPA transfers costs €0. The one extra charge to know is the instant availability top up.
What does it cost to convert currency?+
Conversion costs 0.5%, and the applied margin runs 0.5% to 1%. That sits at the 0.5% site median, while the highest conversion fees on the site reach 7%. Travellers can weigh it against the bank rate.
SeaBank Indonesia
What does the account cost to run?+
The account carries a monthly fee of IDR 0, in line with the site median, €0. Transfers are free within a monthly allowance, and the transfer fee is set at IDR 0, so there is little to pay for everyday use.
How is interest paid on the balance?+
Interest is calculated and paid every day rather than at the end of a cycle. The account is easy-access, so money stays reachable while it earns, and the rate is variable at 3.5%. The savings account median, 3.08%, is close by.
Other options to compare
Other matchups
Related by the facts
Satispay
SeaBank Indonesia