Fintech

The 5 most popular and best e-wallet applications in Indonesia

Want to buy food, credit, pay electricity bills, and shopping? Just use E-Wallet! More efficient, and practical, you know! Here are the 5 Best Indonesian E-Wallets.

E-Wallet or Digital Wallet it's trending. Because E-Wallet often provides promos, discounts, and cashback massively to its users.

E-Wallet is indeed more efficient, practical, and also safe. Of the many E-Wallets in Indonesia, which one is the most popular and most widely used today?

Immediately, see the following Jaka article:

5 Best E-Wallet or Digital Wallet Applications

Each of the E-Wallets that Jaka mentions below, has its own advantages. So, it's better if you don't use only one E-Wallet application.

1. OVO

One of the best digital wallet applications is OVO. OVO is one of the Indonesian people's favorite E-Wallet applications because it often provides promos and offers cashback to its users.

This all-in-one payment application is also simple, instant and safe, and can be used for all your financial transactions.

OVO has two main features, namely:

  • Payment, ease of transactions and payments for all your needs with OVO.

  • Points, loyalty rewards that OVO users get every time they transact on various platforms merchant OVO partners and can be reused as a means of payment throughout merchant (1 OVO Point = Rp1).

OVO has also been registered and supervised by Bank Indonesia (BI) as a FinTech provider. So, you don't have to worry about using OVO.

InformationOVO
User5 million
Size22 MB
Rating3+

2. DOKU

Pioneer of E-Wallet in Indonesia, DOKU Wallet, also not inferior to other E-Wallet applications in terms of features.

Equipped with a credit card link feature and electronic money or e-money cash wallet, you can use DOKU to shop online or offline in merchants who have collaborated with DOKU.

By using DOKU, you will get many conveniences such as:

  • Purchase credit and data packages
  • Subscribe to Spotify
  • Payment for electricity, telephone and water.
  • Pay TV subscription.
  • Multifinance installment payments.
  • BPJS Health Payments

Through DOKU E-Wallet, you can also make cash withdrawals, transfer to bank accounts, and also transfer to fellow DOKUs.

This application is fairly safe as long as you don't tell DOKU ID and password you to others.

InformationDOKU
User1 million
Size13 MB
Rating3+

3. GO-PAY (GO-JEK)

The next app is GO-PAY from GO-JEK. Yes, this king of FinTech Indonesia can be used to pay for transactions related to services on the GO-JEK application such as Go-Ride, Go-Car, Go-Food, Go-Tix, Go-Clean, Go-Pulsa, and so on. .

In addition, you can also make payment transactions with this application at merchants on line and offline which works with GO-JEK.

The interesting thing about the GO-PAY feature is that GO-JEK provides various special promos which are certainly interesting and varied every time you make a transaction using GO-PAY.

For security issues, of course GO-PAY is guaranteed for all payment transactions, balances, and your personal information because it has been registered with BI.

So, you don't have to doubt its safety!

InformationGO-JEK
User50 million
Size45 MB
Rating3+

Next...

4. FUND

The next E-Wallet is FUND. This digital payment platform offers several advantages, one of which is very complete transaction services and support.

DANA can be used both at online and conventional outlets. This application carries the concept of an open platform so that it can connect with other digital transaction services from vendors who have collaborated with KFC, TIX.ID, Bukalapak, and Samsung Pay.

In addition, DANA also provides payment facilities via email QR code with transaction machines at outlets that have worked together.

This application made by EMTEK has also obtained a permit from Bank Indonesia (BI) and has complied with the provisions and requirements of BI regarding permits for the use of electronic money, E-Wallet, Digital Financial Institutions (LKD), and online money transfers.

You can download the DANA application on JalanTikus, Google PlayStore and Apple AppStore.

InformationFUND
User1 million
Size17 MB
Rating3+

5. LinkAja

The last digital wallet application (E-Wallet) on this list is LinkAja. Yes, LinkAja is a newcomer FinTech provider.

Just like OVO and GO-Pay, you can use the LinkAja payment feature at offline merchant previously partnered with SOEs and Telkomsel.

In addition, the ease of this application can also be felt for buying BBM (fuel oil) at gas stations, sending money (remittances), buying credit and internet, paying for electricity and PDAM water bills.

Other services include purchasing cable TV packages, paying for gaming gear purchases, BPJS Health payments, Tokyo Marine Insurance, Jiwasraya to CAR insurance.

There is also an installment payment feature to multi-finance, iFlix pay television, and donations.

InformationLINKAja
User5 million
Size12 MB
Rating3

Advantages of Using E-Wallet

Using E-Wallet to make payment transactions has its advantages, you know! What are the advantages?

1. Practical and Efficient

By using E-Wallet you no longer need to go to ATMs, banks, and carry around money and cards that make your wallet thick.

Enough with cell phone and internet connection you can already carry out various transactions.

Such as shopping on online shopping applications, making payments at restaurants, and much more.

2. Many Promos, Discounts, and Cashback

E-Wallet also often, you know, presents many promos, discounts, and cashback.

Cashbackthere are up to 60%!

So, there are many advantages that you can get by using the E-Wallet application.

3. Safe

This time, Bank Indonesia (BI) together with the Financial Services Authority (OJK) closely monitor FinTech operators.

So, you don't have to worry. If something goes wrong, you can report the FinTech in question to BI and OJK.

On the other hand, your E-Wallet balance is also safe, really. For example, if your cellphone is lost, it doesn't mean that your balance is gone.

Because most E-Wallet applications are currently equipped with security methods fingerprint, and PINs.

The final word

Those are the 5 best E-Wallet applications in Indonesia. Of the five applications, which E-Wallet do you use?

Also read articles about FinTech or other interesting articles from Andini Anissa.

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