Ngardi Rahayu Mobile

Manage your savings, send instant transfers between members, and pay daily bills — all from your phone.

Ngardi Rahayu Mobile is the official mobile banking application of Koperasi Ngardi Rahayu Bali, a regulated savings and loan cooperative based in Bali, Indonesia. Manage your cooperative finances securely, quickly, and transparently — all from your phone.

ACCOUNT INFORMATION View your savings balance in real-time, access detailed transaction history, and check your member account number anytime.

SAVINGS PRODUCTS • Voluntary Savings (Simpanan Sukarela) — flexible savings withdrawable at any time. • Member Savings (Simpanan Anggota) — mandatory savings to maintain active membership. • Fixed-Term Savings (Simpanan Berjangka) — term deposits with competitive profit-sharing returns.

FUND TRANSFERS • Instant transfers between Koperasi Ngardi Rahayu Bali member accounts. • Transfers to Indonesian national bank accounts.

BILL PAYMENTS Pay monthly bills directly from the app: PLN electricity tokens and bills, PDAM water bills, mobile top-up and data packages, land tax (PBB), and e-money top-up.

SECURITY Login is protected with data encryption and a unique 6-digit transaction PIN. All data and communications are encrypted to protect your financial information.

IMPORTANT NOTE Ngardi Rahayu Mobile is an exclusive service for registered members of Koperasi Ngardi Rahayu Rahayu. New member registration requires an in-person visit to the cooperative office in accordance with Indonesian Cooperative Law. This service is supervised by the Indonesian Ministry of Cooperatives and SMEs.