Honest and Binadigital from Bank INA Launch Honest Savings, a Digital Savings Account Linked to Credit Cards

Jakarta, October 16, 2025 - Honest Card, in collaboration with Binadigital, a digital banking service from Bank INA, part of the Salim Group, launched Honest Savings, the first digital savings product in Indonesia linked to credit cards.

In addition to offering competitive interest rates of 4% per annum, unlimited free transfers, and no monthly fees, Honest Savings presents an innovative financial service that combines the convenience of saving with broader access to credit—a crucial step in strengthening an inclusive and sustainable financial ecosystem.

As the only fintech in Indonesia with a credit card issuing license from Bank Indonesia, Honest has been recognized as a pioneer in opening fairer access to credit. With an approval rate of up to 90%, Honest has helped hundreds of thousands of users who previously had difficulty accessing credit cards. The launch of Honest Savings reinforces Honest's commitment to creating a more inclusive and integrated financial ecosystem.

"Honest Savings opens a new chapter in our journey to build more inclusive credit access for underserved Indonesians," explained Panji Puntadewa, Director of Operations at Honest Card. “We want to provide a more comprehensive financial experience, where saving habits and credit usage go hand in hand to help users grow healthily.”

 

Savings That Strengthen Your Credit Journey

At Honest Savings, every rupiah saved becomes an active part of the user's credit journey. The more consistent the savings, the greater the opportunity to increase the credit card limit, expanding access responsibly.

Furthermore, users enjoy 4% annual interest and unlimited free transfers - highly competitive benefits with no minimum holding period, transfer amount limits, or minimum balance requirements. Honest Savings is more than just a digital savings account; it's an integrated tool that significantly supports the expansion of credit access in Indonesia.

 

Building an Integrated Financial Ecosystem

Henry Koenaifi, President Director of PT Bank INA Perdana Tbk, explained, "Bank INA's collaboration through Binadigital and Honest demonstrates how innovation can unite the strengths of two institutions with complementary strengths. Honest, as a pioneer in more inclusive credit cards, and Binadigital's digital banking infrastructure, create a synergy to provide more comprehensive and relevant financial solutions for the community."

By integrating savings and credit access, Binadigital acts as a bridge between digital banking services and the formal credit system - a strategic step to expand financial inclusion in Indonesia.

"With savings directly strengthening users' credit journeys, Honest presents a new way to grow financially that is easier, more transparent, and more relevant to the needs of today's society," concluded Panji.

Going forward, Honest and Binadigital will continue to expand their strategic collaboration to make a real impact on the financial ecosystem in Indonesia.

Honest Savings is a Binadigital savings product from PT Bank INA Perdana Tbk, launched in collaboration with Honest. More information about Honest Savings can be accessed through the official websites Honest.co.id and Binadigital.id. As well as Honest Card and Binadigital social media on Instagram and TikTok, namely https://www.instagram.com/honestindo/ and https://www.tiktok.com/@honestindo as well as https://www.instagram.com/binadigital.id and https://www.tiktok.com/@binadigitalid.