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Best Saving Apps for 2024: Low-Risk Options You Can Trust

Looking to save smarter in 2024? Here’s a detailed review of the best apps for saving money with low-risk investment options that are safe, practical, and ideal for long-term goals.

Introduction

Starting the year with clear financial goals is essential. Whether it’s saving for a wedding, a home, or a dream vacation, choosing the right app can help you grow your money more effectively. But not all apps are created equal—some focus on promotions, while others deliver better long-term returns. In this article, we’ll compare popular saving and low-risk investment apps in Indonesia, including Bibit, Bareksa, Peluang, Makmur, and digital banks like Jago, SeaBank, Alobank, and blu by BCA.

Key Factors in Choosing a Saving App

When evaluating saving apps, there are five main aspects to consider:

• Profitability (Cuan Factor) – Which app gives the highest returns?
• Transaction Costs – Are there hidden fees that eat into your savings?
• Product Completeness – How wide is the selection of saving and investment products?
• Withdrawal Speed – Can you cash out instantly when needed?
• Promotions – Which apps give the best bonuses and cashback?

Most Profitable Apps

Based on the comparison, Makmur stands out with the best average returns in low-risk products. Bareksa follows closely, then Bibit, and finally Peluang. For money market funds (RDPU), Bareksa leads, while for fixed income funds (RDPT), Makmur takes the top spot. Digital bank deposits can be attractive but often come with promotional rates that don’t last long and are not fully protected by LPS if rates exceed 4.25% per year.

Transaction Costs

For small savers, transaction fees can significantly impact growth. Peluang and Makmur are the most cost-effective, offering free transactions via virtual accounts or e-wallets. Meanwhile, Bibit and Bareksa may charge fees depending on payment methods. If you save just a few hundred thousand rupiah monthly, minimizing fees is crucial to maximizing returns.

Product Completeness

If you want a broad selection, Bibit and Bareksa provide the most complete range—from money market funds to stocks and government bonds. Makmur focuses exclusively on mutual funds, carefully selecting only high-performing ones. Peluang offers more diverse products, including foreign stocks and crypto, but these are high-risk and less suitable for savings goals. Digital banks, on the other hand, typically limit their offerings to savings and deposits.

Withdrawal Flexibility

For emergencies, being able to withdraw instantly is essential. Digital banks offer immediate access for savings accounts, though deposits remain locked until maturity. Among investment apps, Bibit leads in instant redemption products, followed by Bareksa and Makmur. Peluang does not yet support instant withdrawals.

Promotions and Bonuses

Promotions vary widely. Bareksa offers cashback on SBN purchases, Bibit provides attractive rewards for bond investments, and Makmur recently launched a promo giving a 2% bonus on new investments (up to four times, with a maximum of 40 million IDR bonus). This makes Makmur one of the most generous apps when it comes to promos.

Summary Ranking

• Best Returns: Makmur
• Lowest Fees: Makmur & Peluang
• Most Complete Products: Bibit & Bareksa
• Fastest Withdrawals: Bibit
• Best Promotions: Makmur

"Saving isn’t just about putting money aside—it’s about choosing the right platform that makes your money grow safely and steadily."

Conclusion

Each saving app has its strengths. If you want the highest returns and best promos, Makmur is a great choice. For product variety, Bibit and Bareksa shine. If low fees are your priority, Peluang and Makmur are your best bet. And for those who prioritize fast withdrawals, Bibit leads the way. Ultimately, the right choice depends on your financial goals and saving style. Start with one app, test its features, and stay consistent with your savings plan in 2024.

Which saving app do you use or plan to try this year? Share your experience in the comments below!

Labels

Finance

References

• Video: Review Aplikasi Buat Nabung Terbaik Untuk 2024
• Channel: Ngomongin Uang (YouTube)