This study examines the determining factors of the customer’s intention to use digital banks. Interest rates and cost value were examined to analyze customer intention to use digital banking. This study uses the theory of planned behavior to analyze factors determined of customer intention to use digital banks. This study used 150 data from an online questionnaire and analyzed using Structural Equation Modeling (SEM) with SmartPLS software version 4. The results showed that interest rates and cost value positively and significantly affected of using digital banking. Attractive interest rates and components of cost value, namely ease of transactions, minimal costs, and complete service features, encourage individual intention to use digital banks. The implication of this study is digital bank companies should keep the interest rate and cost value more competitive with conventional banks. The digital bank should maintain a good relationship with customers through innovation in IT, good interest rates, and complete banking features that give customers additional advantages, increase trust, and also minimizing risk to customers.