Bank Aladin Syariah, the country’s first digital Islamic bank, together with Flip, a digital financial services platform, has launched Super Flip.
The initiative marks an important step towards expanding inclusive, secure and accessible Islamic banking services, in line with the national aspiration of economic sovereignty and shared prosperity.
Super Flip allows Flip users to open a Bank Aladin Syariah savings account directly within the application, offering an integrated financial service without the need to switch platforms.
The launch forms part of Bank Aladin Syariah’s Banking-as-a-Service strategy, which makes banking services available across a range of digital platforms.
“The launch of Super Flip is concrete proof of how the BaaS approach can expand access to Islamic financial services more evenly through direct integration within partner platforms,”
said Koko Rachmadi, President Director of Bank Aladin Syariah.
“In line with the spirit of Indonesia’s 80th Independence Day themed ‘United, Sovereign, Prosperous People, Advanced Indonesia’, we want to ensure that every Indonesian has easy, secure, and convenient access to Islamic financial services. This way, together we can build economic independence and realise an Indonesia that is ever more advanced and sovereign in the future.”
Rafi Putra Arriyan, Co-Founder and President Director of Flip, added:
“Through the integration of Islamic savings services into the Flip application, which is already used by more than 15 million users, Flip and Bank Aladin Syariah are helping to pave the way for broader access to Islamic banking in a safe, convenient, and beneficial manner. One concrete example of this mission is the presence of Islamic savings accounts offering the highest returns guaranteed by the Indonesia Deposit Insurance Corporation (LPS).”
The product provides savings based on Islamic principles, with returns equivalent to 3.75% per year guaranteed by LPS.
Users are able to transfer funds without daily limits and can make up to 100 interbank transfers each month without charge.
Oversight is provided by the Shariah Supervisory Board.
The collaboration highlights Bank Aladin Syariah’s role in supporting the national digital transformation agenda and extending Islamic financial inclusion.
Despite overall improvements in financial inclusion, the inclusion rate for Islamic finance in Indonesia remains at 13.41%, according to the Financial Services Authority (OJK, 2025), suggesting significant untapped potential.
OJK data shows that the total assets of the Islamic finance industry in 2023, excluding Shariah-compliant stock capitalisation, reached IDR 2,582.25 trillion, representing annual growth of 9.04%.
The Islamic Finance Development Indicator 2023 also ranked Indonesia third globally, reflecting the sector’s competitiveness at an international level.
Bank Aladin Syariah has stated its commitment to continuing strategic collaborations with digital partners in order to widen access and build an inclusive digital Islamic finance ecosystem across Indonesia.
Featured image credit: Bank Aladin Syariah
