Livin' by Mandiri: lifestyle banking app as Bank Mandiri’s consumer hub

Responsible: ad hoc news Lifestyle & Consumer Desk. Reviewed prior to publication on June 13, 2026 at 8:57:51 AM ET. Details in the imprint.

Livin' by Mandiri is Bank Mandiri's lifestyle-focused mobile banking app that turns checking balances, paying bills and shopping into a single app experience for everyday use. For Indonesian retail customers of Bank Mandiri, the app has become a central mobile touchpoint to manage current and savings accounts, cards and digital payments while accessing promotions from a growing network of lifestyle and e-commerce partners. The app is positioned as a free download with banking-fee-based monetization, and its feature set reflects Bank Mandiri's broader push into digital consumer banking.

What Livin' by Mandiri does for everyday banking

According to Bank Mandiri, Livin' by Mandiri combines core mobile banking functions with lifestyle services, aiming to serve as a daily companion app for its retail customers. Users can log in to view balances and transaction histories across Mandiri accounts, including current and savings products, and can initiate standard payments such as transfers and bill payments directly within the app. The app supports common utility and recurring bills, so users can centralize monthly payments instead of relying on separate biller platforms. This focus on routine transactions is designed to keep customers engaged with the Mandiri ecosystem on a day-to-day basis.

A key element of Livin' by Mandiri is its integration with Indonesia's QRIS standard, enabling customers to pay at millions of QRIS-accepting merchants using Mandiri accounts and cards. Through QRIS, shoppers can scan merchant codes at physical stores or online checkout points and complete payments from their Mandiri balances or linked cards without needing cash. Bank Mandiri promotes the app as a convenient way to access QRIS acceptance points nationwide, connecting retail customers to merchants that support the national QR code framework. This aligns with Bank Mandiri's participation in broader digital payment initiatives overseen by Bank Indonesia and other regulators.

Livin' by Mandiri also includes support for card management, allowing customers to monitor debit and credit card transactions and, where supported, adjust settings such as limits or usage controls. For users who rely on Mandiri cards for both in-store and online purchases, having real-time visibility into card activity through the app can help with budgeting and fraud awareness. While detailed feature lists can change over time, Bank Mandiri consistently promotes Livin' as a single access point for accounts, cards and digital payments for its retail base.

Beyond basic banking functions, the app is used as a distribution channel for promotions tied to entertainment, travel and retail partners. Bank Mandiri campaigns highlighted on social media emphasize special offers and discounts at select merchants, including travel and leisure partners, encouraging users to transact via Mandiri channels and, in many cases, via Livin'. For example, promotional content points to holiday offers with savings up to specific rupiah amounts when customers use Mandiri cards or payment methods, which can be managed through Livin' for eligible transactions. This promotional layer is a central part of the app's lifestyle positioning, differentiating it from more minimalist mobile banking apps that focus only on basic account access.

Recent marketing posts also show Livin' by Mandiri being positioned as a way to simplify installment or loan-related payments through partner finance companies. In one campaign, Bank Mandiri highlights that customers can pay Adira Finance installments through Livin', emphasizing convenience for existing borrowers. By routing these payments through the app, Mandiri reinforces Livin' as a hub not only for its own products but also for selected third-party financial relationships. This approach may help the bank capture payment volumes and strengthen the habit of using the app for a broader range of financial tasks.

The app is offered as a free download for eligible Bank Mandiri customers on major app stores, including Android and iOS platforms, with standard banking fees and foreign-exchange charges applied depending on specific transaction types. Practical use is primarily oriented around Indonesian accounts and QRIS-enabled merchants, reflecting the bank's core market. While Bank Mandiri has an international footprint, the Livin' positioning and merchant integration are focused on domestic retail customers who use rupiah-denominated accounts and transact frequently within Indonesia's digital payments infrastructure.

Bank Mandiri has framed its digital initiatives, including Livin', as key to supporting growth in retail segments and improving customer experience. Corporate communications highlight broader efforts to support small and medium enterprises, housing programs, productive sector financing and environmentally oriented initiatives, and Livin' functions as one of the customer-facing channels where consumers interact with these banking services on a daily basis. As Indonesia's digital literacy and QRIS merchant network expand, Bank Mandiri has publicly set goals such as supporting millions of additional merchants, which can indirectly drive more payment volume through digital channels like Livin'.

For consumers considering the app, one practical aspect is that Livin' centralizes multiple previously separate tasks: checking accounts, paying bills, scanning QR codes for in-store purchases and accessing targeted promotions in one interface. Users who are already Bank Mandiri customers and use QRIS regularly may find it convenient to manage their financial activity through a single app rather than juggling multiple services or card portals. As with any banking app, users should still review applicable fee schedules, security settings and device requirements, which Bank Mandiri discloses through its official channels and app store listings.

From a strategic standpoint, Livin' by Mandiri sits at the center of the bank's lifestyle and consumer banking efforts, acting as an anchor for account growth, transaction volume and promotional partnerships. Shares of PT Bank Mandiri (Persero) Tbk (ID1000095003, ticker BMRI) last traded at 7,450.00 Indonesian rupiah on the Indonesia Stock Exchange on June 12, 2026, according to recent market data.

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