Indonesia's "national-level" e-wallet, founded by state enterprises with Grab and Gojek later taking stakes; around 89 million registered users, strongest in public transport, petrol stations and government-linked services.
!Not a bank. LinkAja is an e-money issuer supervised by Bank Indonesia / OJK, founded by a consortium of state enterprises; balances are e-money, not bank deposits, and are not covered by Indonesia's deposit insurance (LPS).
Largely unsuitable for foreigners. Full functionality requires an Indonesian ID card (KTP) for verification; long-stay foreigners get limited use at best and tourists generally cannot use it. Foreigners in Indonesia should prioritize GoPay or DANA (DANA allows limited passport verification).
No mandatory minimum top-up｜Basic use is free; specifics as published in the app
Basic: IDR 2M balance cap, IDR 20M monthly inflow; Full (eKYC): IDR 10M balance, IDR 40M monthly inflow. Balances are not LPS-insured.
Largely unsuitable for foreigners. Full functionality requires an Indonesian ID card (KTP) for verification; long-stay foreigners get limited use at best and tourists generally cannot use it. Foreigners in Indonesia should prioritize GoPay or DANA (DANA allows limited passport verification).
Local bank account: Usually required — top-ups rely on an Indonesian bank account or card. Items typically needed: An Indonesian phone number; A KTP (usually not available to foreigners); An Indonesian bank account or card for top-ups.
Typically: An Indonesian phone number; A KTP (usually not available to foreigners); An Indonesian bank account or card for top-ups.
How to sign up: Register in the app (Indonesian number) → verify with a KTP to unlock Full Service (About 10 minutes to register; foreigners usually stall at verification). Steps: 1) Download the LinkAja app 2) Register with an Indonesian number 3) Verify with a KTP to unlock Full Service 4) Top up via bank / card / agent points 5) Pay by QRIS scan or transfer Fees: Basic use is free; specifics as published in the app
Basic: IDR 2M balance cap, IDR 20M monthly inflow; Full (eKYC): IDR 10M balance, IDR 40M monthly inflow. Balances are not LPS-insured.
E-wallet rules change often — always follow the latest instructions in the official app.