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Ali Ghadamkheir
Ali Ghadamkheir

Why You Should Download BNI 46 Mobile Banking Today


What is BNI 46 and why you should download it




If you are looking for a convenient, secure, and fast way to do banking transactions, you should consider downloading BNI 46. BNI 46 is a mobile application from Bank Negara Indonesia (BNI), one of the largest state-owned banks in Indonesia. BNI 46 offers a range of features and services that can help you manage your finances anytime, anywhere.


With BNI 46, you can access your BNI accounts, transfer money, pay bills, top-up e-wallets, open new accounts, apply for loans, and more. You can also use QRIS BNI 46 to make cardless transactions at various merchants. BNI 46 is easy to use, has a user-friendly interface, and supports both Android and iOS devices.




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In this article, we will show you how to download, register, activate, and use BNI 46. We will also give you some tips and tricks on how to use it safely and efficiently. By the end of this article, you will be able to enjoy the benefits of BNI 46 and make your banking transactions easier.


How to download BNI 46 on your device




To download BNI 46 on your device, you need to follow these steps:


  • Go to the Google Play Store or the App Store on your device.



  • Search for "BNI Agen46 Mobile" or "BNI Mobile Banking" in the search bar.



  • Select the app that matches the logo of BNI (a blue circle with white letters).



  • Tap on "Install" or "Get" to download the app.



  • Wait for the app to finish downloading and installing on your device.



How to register and activate BNI 46




To register and activate BNI 46, you need to follow these steps:


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BNI Mobile Banking vs BNI Agen Mobile: Which one is better?


BNI Mobile Banking vs BNI Internet Banking: Which one is better?


BNI Agen Mobile vs BNI Internet Banking: Which one is better?


BNI Mobile Banking review and rating


BNI Agen Mobile review and rating


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BNI Agen Mobile customer service and support


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BNI Agen Mobile security and privacy features


BNI Mobile Banking tips and tricks


  • Open the app on your device.



  • Swipe left until you see the "Yuk, Mulai" button. Tap on it.



  • If you already have a user ID, enter it and proceed to the activation process. If you don't have a user ID, tap on "Register here" to create one.



  • To create a user ID, you need to provide some information such as your account number, debit card number, debit card PIN, NIK (national identity number), and email address. Follow the instructions on the screen and make sure you enter the correct information.



  • After creating a user ID, you will receive an OTP (one-time password) via email. Enter the OTP in the app to verify your registration.



  • Congratulations! You have successfully created a user ID. Now you need to activate your BNI 46 account.



  • To activate your account, you need to enter some information such as your phone number, MPIN (mobile personal identification number), and password. Follow the instructions on the screen and make sure you create a strong MPIN and password.



  • You will also need to verify your phone number by sending a verification message via SMS or WhatsApp. Follow the instructions on the screen and send the message as instructed After verifying your phone number, you will receive a confirmation message that your account has been activated.



  • Congratulations! You have successfully activated your BNI 46 account. Now you can log in and use the app.



How to use BNI 46 for various transactions




BNI 46 allows you to perform various transactions with ease and convenience. Here are some of the transactions that you can do with BNI 46:


Transfer between BNI accounts and other banks




To transfer money between BNI accounts or to other banks, you need to follow these steps:


  • Log in to the app with your user ID and MPIN.



  • Tap on the "Transfer" icon on the home screen.



  • Select the type of transfer that you want to do: "BNI Account", "Other Bank Account", or "Favorite Account".



  • Enter the recipient's account number, name, and amount. You can also add a message or a note if you want.



  • Review the details of your transfer and tap on "Continue".



  • Enter your password to confirm your transfer.



  • You will receive a notification that your transfer has been successful.



Top-up e-wallets and pay bills




To top-up your e-wallets or pay your bills, you need to follow these steps:


  • Log in to the app with your user ID and MPIN.



  • Tap on the "Top-up/Pay" icon on the home screen.



  • Select the type of service that you want to top-up or pay: "E-Wallet", "Electricity", "Water", "Internet/TV", "Phone", or "Others".



  • Select the provider or the product that you want to top-up or pay.



  • Enter the required information such as your phone number, customer number, bill number, or amount.



  • Review the details of your transaction and tap on "Continue".



  • Enter your password to confirm your transaction.



  • You will receive a notification that your transaction has been successful.



Open accounts and apply for loans




To open new accounts or apply for loans, you need to follow these steps:


  • Log in to the app with your user ID and MPIN.



  • Tap on the "Open/Apply" icon on the home screen.



  • Select the type of product that you want to open or apply: "Savings Account", "Deposit Account", "Credit Card", or "Loan".



  • Select the product that suits your needs and preferences.



  • Fill in the required information such as your personal data, income data, and document data. You may need to upload some documents such as your ID card, tax number, salary slip, etc.



  • Review the details of your application and tap on "Submit".



  • You will receive a notification that your application has been submitted and is being processed.



Use QRIS BNI 46 for cardless transactions




To use QRIS BNI 46 for cardless transactions, you need to follow these steps:


  • Log in to the app with your user ID and MPIN.



  • Tap on the "QRIS" icon on the home screen.



  • Select the type of QRIS transaction that you want to do: "Scan QRIS" or "Show QRIS".



  • If you want to scan a QRIS code from a merchant, tap on "Scan QRIS" and point your camera at the QR code. Enter the amount and confirm your payment with your password.



  • If you want to show your QRIS code to a merchant, tap on "Show QRIS" and select the account that you want to use. Show your QR code to the merchant and wait for them to scan it. Confirm your payment with your password.



  • You will receive a notification that your QRIS transaction has been successful.



How to change your device without going to the branch




If you want to change your device without going to the branch, you need to follow these steps:



  • Log in to the app on your old device with your user ID and MPIN.



  • Tap on the menu icon on the top left corner of the screen.



  • Select "Settings" from the menu options.



  • Select "Device Switching" from the settings options.

  • Enter your password to confirm your device switching request.



  • You will receive an OTP (one-time password) via email. Enter the OTP in the app to verify your device switching request.



  • Congratulations! You have successfully switched your device. Now you can log in to the app on your new device with your user ID and MPIN.



Tips and tricks for using BNI 46 safely and efficiently




BNI 46 is a secure and reliable app, but you still need to be careful and smart when using it. Here are some tips and tricks that can help you use BNI 46 safely and efficiently:


Keep your user ID, MPIN, and password secure




Your user ID, MPIN, and password are the keys to access your BNI 46 account. You should never share them with anyone, not even with BNI staff or customer service. You should also avoid using easy-to-guess or common combinations for your MPIN and password. You should change them regularly and use different ones for different accounts.


Update your app regularly




BNI always updates its app to improve its performance, security, and features. You should alw


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