KoinWorks NEO: Digital Finance

29.6K reviews
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About this app

KoinWorks facilitates financial management & business capital loans for MSME with cash loan, invoice financing, employee loan, etc, easy submission✅, low interest✅, without credit card✅ or collateral✅. Facilitates asset development through business funding, Gold Savings/Investments, Bonds, etc. One of the pioneers of Peer to Peer Lending fintech in Indonesia, registered & supervised by OJK

📗 Various solutions & financial reports
🔰 Registered at OJK, number S.87/MS.72/2020, Feb 10, 2020
🔐 ISO 27001 certification for financial aggregator services industry


KoinWorks NEO provides easier, faster, practical business financial management—activate in 2 minutes, enjoy these features:

NEO Card
• One card for multiple business needs
• Create a virtual card in 1 minute
• Top-up instantly, up to IDR100 Mio per card
• Transact online with preferred merchants, domestic or international

Payment Link
• Receiving payment from various methods, credit card, debit card, e-wallet
• Generate a payment link/download an invoice in 2 minutes
• Schedule recurring payments

Send Money
• Anytime, anywhere, send money to any bank with 0 charges
• High limit per transaction, realtime or scheduled


✦Non-bank online business loans up to 2 billion, low origination fees, start from 0.75% of the loan amount, low installment effective interest, start from 9% per year through KOINBISNIS. Cash loan disbursement will be faster if business's financial profile is healthy
✦Accelerate the disbursement of client invoices that are not yet due by up to 80% with invoice financing through KOININVOICE loans so that your cash flow is safe
✦Help employees' loan needs by paying early and fast salaries through KOINGAJI

✦ Loan limit (Plafon) IDR 1 Million - IDR 2 Billion
✦ Monthly interest rate 0,75% - 1,67% (Yearly rate 9% - 20%)
✦ Tenor 6 - 24 months
✦ Origination fee (depend on tenor) 0,75% - 5%
✦ Admin fee IDR 150.000 - IDR 200.000
✦ Insurance fee 0,10% - 1,25%
✦ Late fee 6% of installment amount (depend on days)

Loan Simulation:
✦ Installment of monthly loan interest: (Amount / Tenor) x Plafon
✦ (0.09 / 12) x IDR 10,000,000 = IDR 75,000
✦ Loan Amount + Interest: Plafon + Interest
✦ IDR 10,000,000 + IDR 75,000 = IDR 10,075,000
✦ Monthly Installment: (Plafon + Interest) / Tenor
✦ IDR 10,075,000 / 12 = IDR 839,583.33 per month
✦ Plafon Received After Cost Reduction: Plafon - (Plafon x Origination) - (Admin) - (Insurance)
✦ IDR 10,000,000 - IDR 75,000 - IDR 150,000 - IDR 10,000 = IDR 9,765,000 after fees


✦Long term profit with gold investment, Buy and sell gold from Antam and UBS online, start from IDR 1,000 through KOINGOLD
✦The gold investment, develop assets by funding MSME businesses, based on P2P lending, effective returns up to 18% per year, funding start from IDR 100K and multiples through KOINP2P. KoinP2P is licensed & supervised by OJK, letter number: KEP-125/D.05/2019, Dec 13, 2019
✦Automatic P2P funding, utilizing Artificial Intelligence (AI), low risk, with 4%-14% p.a yield, start from IDR 100K and multiples through KOINROBO
✦Development of assets with low risk by Securities (SBN)/ Government Bonds (SUN): buy SBR, Indonesian Government Bonds (ORI), Retail & Savings Sukuk (sharia bonds) through KOINBOND

✦Modern gold & asset investment methods
✦High funding Interest (return)
✦Legally supervised by OJK
✦Can start investing in gold and developing assets from IDR 1000

⚠︎KoinWorks NEO similar to neobank
⚠︎KoinWorks NEO ≠ digital bank
⚠︎KoinP2P ≠ saham, forex
⚠︎KoinRobo ≠ deposito


WA: +6281703972888
Email: support@koinworks.com
Address: Cyber 2 Building, 35th Floor Unit D-E
Jl. HR Rasuna Said, Blok X5 No 13 Kuningan, Setia Budi Jakarta Selatan
Updated on
Sep 15, 2022

Data safety

Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. The developer provided this information and may update it over time.
This app may share these data types with third parties
Location, Personal info and 7 others
No data collected
Learn more about how developers declare collection
Data is encrypted in transit
Data can’t be deleted
29.6K reviews
Ray Wen
July 29, 2022
Recently, Koinworks' non-performing loan rate has increased, a bit afraid to finance KoinP2P. it's only the 1st or 2nd month, it's already jammed and the protection money is replaced. whether it's really stuck or not, it's the Koinworks data who holds the data. less transparent. overall still better than MODALKU, the latter is the most unreliable.
20 people found this review helpful
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PT Sejahtera Lunaria Annua
July 29, 2022
We regret to note this. Please contact us at support@koinworks.com with your contact details so that we can address your concern. ^yn
Ellen Utomo
September 7, 2022
I transfered fund to koinwork through virtual account but the fund never arrived. This should be an automatic process but somehow koinworks system manage to screw it up. I complained to the CS and it's been more than 24 hours with no update or solution to my issue. After reading comments below i'm starting to think this app is a scam.
5 people found this review helpful
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PT Sejahtera Lunaria Annua
September 6, 2022
Hello, sis! Thank you for the review. I'm really sorry for the inconvenience in using the KoinWorks application. We will try to do better. Can you tell me in detail the problems you are facing? Please WhatsApp us at +6281703972888 or Live Chat in the help menu of the KoinWorks application😊^ez
Will Surya
May 30, 2022
From my favorite app to my most hated. UI is highly unintuitive, very difficult to understand and it's clear there is no intention to ever fix it. When there was a server isssue, there was no transparency. The worst part is the Customer Support. Keeps on asking the same thing and doesn't help at all. I've never had to deal with a worse CS in my life.
32 people found this review helpful
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PT Sejahtera Lunaria Annua
December 2, 2020
Hi Will, Sorry to hear that! Could you write to us at support@koinworks.com with more details of your issue? We'd love to help you troubleshoot.

What's new

Hi KoinWorks user, we doing enhancement on:
- Enhance banner my voucher using bahasa
- New CMS and display on homebusiness - explore page
- Enhance prefund for P2P product
- Enhance in KoinRobo portfolio
- Borrower can give cancellation reason
- Card details and VA details page
- Koinbill telkom & history
- Koin usage
- App crash fix

For further information:
WA: +6281703972888
Email: support@koinworks.com