Updated October 14, 2026 · VaultCue Editorial Team
SeaBank Indonesia vs ubank
SeaBank Indonesia
Higher score in this comparison
ubank
SeaBank Indonesia vs ubank: the differences
| Compare | SeaBank IndonesiaReviewSee alternativesSee alternatives | ubankReviewSee alternativesSee alternatives |
|---|---|---|
| Headline rate | 3.5% | Not confirmed |
| Rate type | Variable | Not confirmed |
| Access terms | Savings interest calculated and paid daily | Not confirmed |
| Monthly fee | IDR 0 | Not confirmed |
Same on both: Account kind (Easy access).
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Our verdict on each
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.
ubank
Ubank lists goal-oriented savings, Autosave, savings accounts and Shared Save accounts.
Score breakdown
| Area | SeaBank Indonesia | ubank |
|---|---|---|
| Cost | 9.1No monthly charge: IDR 0, with transfers free within a monthly allowance at IDR 0. | Not confirmed |
| Offer | 8.6Easy-access balance with interest paid every day at a variable rate of 3.5%. | Not confirmed |
How they place
| Ranking | SeaBank Indonesia | ubank |
|---|---|---|
| Savings accounts | 436 of 1420 | 1317 of 1420 |
Every fact side by side
| Fact | SeaBank Indonesia | ubank |
|---|---|---|
| Pricing model | No monthly fee | Not confirmed |
| Legal entity | PT Bank Seabank Indonesia | National Australia Bank |
| Headquarters | Indonesia | Australia |
| Founded | Not confirmed | 2008 |
| Support channels | Help centre | Not confirmed |
Everyday accounts
| Fact | SeaBank Indonesia | ubank |
|---|---|---|
| Audience | Business, Student | Not confirmed |
| Transfer fee | Free transfer up to 100 times per month | Not confirmed |
Money transfer
| Fact | SeaBank Indonesia | ubank |
|---|---|---|
| Payout methods | Bank, Cash pickup, Wallet | Not confirmed |
| Fee to send 1,000 | IDR 0 | Not confirmed |
Where each stands against the rest
| Fact | SeaBank Indonesia | ubank | Median |
|---|---|---|---|
| Headline rate | 3.5%above the median | Not confirmed | 3.25% |
| Monthly fee | IDR 0at the median | Not confirmed | IDR 0 |
Median across 658 listed accounts.
Pros and cons
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.
ubank
Pros
- Ubank lists goal-oriented savings, Autosave, savings accounts and Shared Save accounts.
- The captured overview does not provide rates.
Who each suits
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
ubank
Who it suits
- Australia Ubank customers choosing goal-based, automatic or shared savings tools
Country by country
| Country | SeaBank Indonesia | ubank |
|---|---|---|
| Australia | No | Yes |
| Indonesia | Yes | No |
Questions about each
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.
Can money be taken out when needed?+
Withdrawals can go to a bank account, as cash pickup or to a wallet: bank, cash pickup and wallet. The account kind is easy access, so the balance is meant to stay available rather than be tied up, and the interest is calculated and paid daily on it.
Who is the account aimed at?+
The stated audience is business and student customers: business and student. The provider is PT Bank Seabank Indonesia, with the home country listed as ID, so the fit is strongest for people banking locally.
Other options to compare
Other matchups
Related by the facts
SeaBank Indonesia
ubank