What it does
Bank Aladin pairs Ala Dompet for everyday transactions with Ala Impian for savings goals. Its Indonesian app supports scheduled saving, goal progress and downloadable statements, while GPN debit cards and participating retailers provide cash access. The core accounts have no monthly administration fee.
Ala Impian is a savings goal account linked to an existing Ala Dompet account. It is not used for direct payments. Give a goal a name, picture, amount and date, then follow the balance, recent contributions and profit sharing in the app. Up to 20 goals can be active.
Daily, weekly or monthly automatic debits can fund those goals. The money can normally be withdrawn when needed, with an optional account lock available to discourage unplanned withdrawals. Electronic statements can be downloaded for each account. Profit sharing varies with the bank’s results; the goal date is not a promise of a fixed return.
Cash without a debit card
In the app, choose Tarik for withdrawal or Setor for deposit, select the retailer and amount, then show the generated transaction code to the cashier. Alfamart, Alfamidi, Lawson and DAN+DAN provide this route. Retail cash transactions run from Rp50,000 to Rp1 million, with up to three a day. The token lasts 60 minutes.
Ala Dompet and Ala Impian have free monthly administration and statements, with a Rp1,000 retained balance. Retail cash transactions cost Rp3,000 after the free quota; interbank transfers normally cost Rp2,500 through BI-FAST or Rp6,500 through RTOL. Free allowances depend on account age and balance. Inactive or dormant accounts with balances no higher than Rp100,000 can incur Rp5,000 monthly charges.
Applicants must be Indonesian citizens aged 17 or over with an e-KTP. The stated rules exclude people born in the US, US Green Card holders and people subject to tax outside Indonesia.
Strengths
- Ala Impian combines goal targets, recurring contributions, optional locks and downloadable statements.
- Participating retailers offer app-generated cash deposit and withdrawal codes.
Watch out for
- Ala Impian balances cannot directly fund everyday transactions.
- Cash and interbank activity can incur fees after the applicable quota.
Best for
- Eligible Indonesian customers using Islamic savings and everyday banking
- People who want local retailer cash access alongside app-based goals
Sources
- Home (Oct 25, 2026)
- Aladin Fees and Limits (Oct 27, 2026)
- Ala Impian Product and Service Summary (Oct 27, 2026)
- Who Can Open an Aladin Account? (Oct 27, 2026)
- Aladin Cash Deposits and Withdrawals (Oct 27, 2026)