**DISCLAIMER**: FULLY HONEST REVIEW tanpa udang dibalik balik. I genuinely tried to be fair towards both products. I'm open for feedback! **Tl;dr** TMRW by UOB Absolutely no fees, free transfer, free tarik tunai atm mana aja, ada "flexi saver" dengan bunga 4% p.a, dapet saldo 450k gopay (dan 50k untuk gw) kalau pake refferal gw # Storytime First of all, I'm a 2-3 years Jenius user / fanboy. Second, gw kaget ternyata ada r/finance dengan kearifan lokal. Alhasil gw scroll semua post-post disin...