Livin by Mandiri from PT Bank Mandiri (Persero) Tbk - mobile app pushes everyday banking in Indonesia

Reviewed: ad hoc news New Release & Launch desk. Edited and checked on 2026-06-30, 06:15. Details in the imprint.

Livin by Mandiri opens with a bright yellow splash screen that almost feels like sunshine spilling out of the phone, before revealing quick tiles for transfers, top-ups and QR payments that most Indonesian users hit several times a day.

What Livin aims to do

Livin by Mandiri is PT Bank Mandiri (Persero) Tbk's main mobile banking app, designed to compress branch services, card management and day-to-day payments into a single smartphone interface. Users can check balances, move money between accounts and pay bills in a few taps.

The app is built around a home dashboard that surfaces recent transactions, shortcuts to bank transfers and e-wallet top-ups, plus access to virtual debit and credit cards. For many customers in Jakarta or Surabaya, this dashboard has largely replaced a visit to the branch teller line.

How the app feels in use

On a mid-range Android phone, Livin loads in a couple of seconds and the main tiles respond with a smooth, subtle vibration when tapped, giving a tactile confirmation that a transfer or QR payment is underway. The yellow-and-white layout stays tidy even when push notifications stack up.

Bank Mandiri's digital team, under the guidance of president director Darmawan Junaidi, has visibly leaned into everyday use cases rather than niche trading tools. Most screens are stripped back to essentials like amount, destination and reference, which reduces the chance of user error on a crowded commuter train.

Payments and everyday tasks

At its core, Livin handles local transfers between Mandiri accounts and to other Indonesian banks via the national clearing systems. Many households now use it to pay electricity, water and mobile bills in a single session instead of juggling different kiosks.

QRIS support, which lets users scan a QR code at warungs, cafés or ride-hailing drivers, turns the phone into a wallet that can live inside a jeans pocket or small handbag. Young customers in Bandung report using QR payments several times a day, often without carrying cash at all.

Savings and card control

Beyond payments, Livin offers access to savings and time-deposit products, allowing users to open and manage simple deposit accounts from their sofa. That cuts friction for customers who once had to bring paper forms and queue up inside a branch.

Card control has also moved into the app. Customers can view card limits, freeze cards when a wallet goes missing, and reset PINs directly, which is a practical step for busy professionals who notice a problem late at night when branches are closed.

Where the app still frustrates

Despite the clean main screens, new users sometimes find registration and device binding a bit raw. If a one-time password SMS arrives late or coverage drops, the process can stall, forcing another attempt and a repeat of identity checks.

Mandiri has added more help text and a clearer progress bar in recent versions, but some long-time customers say support chat replies can feel slow during peak evening hours. For a bank that wants to be digital-first, response speed remains a point to watch.

Regulation and security focus

As a major Indonesian bank, Mandiri has to align Livin with local regulations around know-your-customer checks and transaction monitoring. That means additional verification steps when limits are raised or new features like investment access are activated.

Security is visible in the app's frequent prompts for biometric login or PIN confirmation, and in push alerts that flag each transaction. For some users this steady stream of alerts feels noisy, but it gives a clear trail when they later review spending.

How Livin fits Mandiri's strategy

Livin slots into Mandiri's wider push to grow retail and SME business by deepening engagement rather than just adding branches. The app becomes the daily touchpoint that supports cross-selling of loans, insurance and investment products.

Darmawan Junaidi has repeatedly framed digital platforms as the primary growth engine for Mandiri, with Livin as a flagship. The bank's annual results presentations show rising numbers of active digital users, which suggests the app is gaining traction among its target base.

Closing view and shares

All told, Livin by Mandiri has become a quietly central tool for Indonesian customers who want banking, bill payment and card control inside one consistent mobile experience, even if onboarding and support still have room to improve. PT Bank Mandiri (Persero) Tbk shares (ISIN ID1000095003) are listed on the Indonesia Stock Exchange in Jakarta.

This article was AI-assisted and editorially reviewed. Product information without guarantee; prices and availability may change at short notice. No investment advice, no buy or sell recommendation. Stock-market transactions involve risks up to total loss.