Can I buy crypto with GoPay, OVO or DANA?

Yes, on OJK-licensed apps that support them. Indodax accepts GoPay, OVO, DANA and ShopeePay, Pintu does too, and Reku takes OVO, DANA and LinkAja. E-wallet fees run 1.5% to 2%, so they cost more than a virtual account.

How much does a QRIS crypto top-up cost?

QRIS is 0.7% at Indodax, Reku and Pluang, while Tokocrypto charges 2% for QRIS and e-wallets. We did not find a QRIS figure on Pintu's official fee page. A Rp1,000,000 QRIS top-up therefore costs about Rp7,000 at the first three.

Is QRIS or a virtual account cheaper?

A virtual account is almost always cheaper above roughly Rp250,000 to Rp650,000. Pintu and Reku charge nothing for VA, Indodax charges Rp1,665 to Rp3,330. QRIS only wins for small amounts or when you need funds outside bank hours.

What is the minimum deposit by e-wallet or QRIS?

Indodax, Reku and Pluang: Rp10,000. Pintu: Rp50,000 for every method. Tokocrypto announced Rp10,000 from June 2026, although its QRIS page still says Rp50,000. Check the app before topping up, as these figures can change.

How fast does the balance arrive after QRIS or GoPay?

Pluang says VA and QRIS balances generally arrive immediately after confirmation. Tokocrypto says usually under 5 minutes, up to 24 hours, and slower between 22:59 and 05:00 WIB. Real timing depends on your bank or e-wallet network.

Can I top up crypto with someone else's e-wallet?

You should not. Pintu requires deposits from an account in the same name as your Pintu account, and other platforms apply a similar principle through KTP verification. Third-party accounts risk rejection, held funds or freezes linked to fraud cases.

Buy crypto with GoPay, OVO, DANA or QRIS: fees per app

Yes, as long as you use an OJK-licensed app that opens that channel. As of, Indodax accepts QRIS, GoPay, OVO, DANA and ShopeePay; Pintu accepts QRIS and five e-wallets (GoPay, LinkAja, ShopeePay, OVO, DANA); Reku accepts QRIS plus OVO, DANA and LinkAja. The question is not whether it works but what it costs. QRIS is 0.7% at three platforms and 2% at Tokocrypto, while e-wallets run 1.5% to 2%. A virtual account, the duller route, is often free. Below are the numbers per platform, worked rupiah examples and the steps.

Checked against sources

Deposit fees on each platform

This table covers deposits only, not buy and sell fees, which are compared in best crypto exchanges. Figures come from the Indodax Help Center, Pintu's deposit fee FAQ, Reku's fee page and Pluang's top-up guide. Indodax's table shows one value per row even though it has two fee columns; we report it as shown.

Platform	QRIS	E-wallet	Virtual account	Minimum
Indodax	0.7%	GoPay 2%, OVO and DANA 1.67%, ShopeePay 1.5%	Rp1,000 to Rp3,330, BCA Direct Rp0	Rp10,000 (BCA Direct Rp100,000)
Tokocrypto	2%	2%	BCA, BRI, Mandiri, blu by BCA (fee not found)	Rp10,000
Pintu	not found	GoPay 2%, OVO and DANA 1.65%, ShopeePay 1.5%	Rp0 from Pintu	Rp50,000
Reku	0.7%	OVO, DANA, LinkAja 1.665%	Rp0	Rp10,000
Pluang	0.7%	GoPay 1.5%	Rp4,500 (under Rp2m), Rp1,500 (Rp2m and up)	Rp10,000 (BCA Direct Rp500,000)

A few notes so the table does not mislead. Pintu lists QRIS as a deposit method, but its fee page only gives figures for GoPay, OVO, DANA and ShopeePay, so we do not print a QRIS number for Pintu. At Indodax the virtual-account fee differs by bank: Mandiri and BRI Rp1,665, BCA Rp3,330, INA Rp2,000, Artha Graha Rp1,000. Pluang's FAQ reportedly says its fees include 11% VAT, but we only saw that in a search excerpt and have not confirmed it on the official page. And at Tokocrypto the Rp10,000 minimum was phased in between 3 and 10 June 2026, while the QRIS page still says Rp50,000.

Other apps such as Luno reportedly accept bank transfers with no deposit fee and a Rp10,000 minimum, according to excerpts from its help centre, and one third-party review puts GoPay there at 2%. We have not confirmed that.

Which is cheapest for your amount?

Percentages sound small until you multiply them. Here is the deposit cost at four amounts, assuming QRIS at 0.7% (Indodax, Reku, Pluang), GoPay at 2% (Pintu and Indodax) and the lowest virtual account on offer (Rp0 at Pintu or Reku, before any bank admin fee).

Top-up amount	QRIS 0.7%	GoPay 2%	Virtual account
Rp200,000	Rp1,400	Rp4,000	Rp0
Rp1,000,000	Rp7,000	Rp20,000	Rp0
Rp5,000,000	Rp35,000	Rp100,000	Rp0
Rp20,000,000	Rp140,000	Rp400,000	Rp0

Compare Tokocrypto, where QRIS and e-wallets are both 2%. On Rp5,000,000 that is Rp100,000, or Rp65,000 more than QRIS at Indodax, Reku or Pluang.

When does a virtual account beat QRIS?

It depends on the fixed VA fee against the QRIS percentage. Take Indodax: the Mandiri VA at Rp1,665 equals QRIS at 0.7% on about Rp237,900, and the BCA VA at Rp3,330 equals QRIS at about Rp475,700. Above those points the VA is cheaper. A Rp2,000,000 deposit via Mandiri VA at Indodax costs Rp1,665, versus Rp14,000 via QRIS.

At Pluang the VA costs Rp4,500 below Rp2m, so QRIS is cheaper up to about Rp642,900. Once you reach Rp2m the VA fee falls to Rp1,500 and beats QRIS at any amount above that. Against a 2% e-wallet, the BCA VA at Indodax is already cheaper from about Rp166,500.

At Pintu and Reku, where VA is free, the arithmetic is simple: VA wins at any amount, provided you can wait a few minutes and your bank is not in downtime. Pintu notes that some banks charge their own fee (Mandiri Rp2,500 per transaction), so "free" means free from the platform.

QRIS for what, e-wallets for what

Our practical advice: use QRIS or an e-wallet when the amount is small or you need it fast, and a VA or bank transfer for everything else. Small means below roughly Rp250,000 to Rp500,000, such as a Rp100,000 weekly purchase. In that range the fee difference is a few thousand rupiah and QRIS convenience is reasonable. Above Rp1,000,000, a 2% e-wallet habit will eat into your returns.

On the technical side, QRIS is Bank Indonesia's QR-code standard and works in rupiah. Pluang says QRIS accepts payment from any app that supports the standard, so you can pay from any bank app or e-wallet. For GoPay at Pluang, your GoPay account must first be linked to your Pluang account. As a rule, always pay from an account in your own name.

How fast does the balance arrive?

On paper, very fast. Pluang writes that VA and QRIS balances generally arrive right after the system confirms payment, while a BCA Direct transfer can take up to 24 hours because it waits for a unique-code match. Tokocrypto says deposits usually arrive in under 5 minutes, up to 24 hours, and slower between 22:59 and 05:00 WIB. The other platforms do not publish a timing promise on their fee pages.

We did not time deposits ourselves, so treat these as platform claims, not guarantees. The one sensible takeaway from Tokocrypto's notes: late night is slower. If you want to buy quickly while the price is moving, load your balance beforehand and avoid last-minute top-ups in that window.

Top-up steps from scratch

The flow is the same almost everywhere. If you do not yet have a verified account, finish e-KTP and selfie verification first; it can take minutes up to about one business day (details in how to buy crypto in Indonesia).

Open the app, choose Deposit or Top Up Rupiah, then pick a method: Virtual Account, QRIS or an e-wallet name.
Enter an amount above the platform minimum. The app shows an estimated fee; read it before continuing.
For a VA, copy the number shown and transfer from your own mobile banking. For QRIS, scan the code with your bank or e-wallet app. For an e-wallet, confirm inside the e-wallet app.
Wait for the rupiah balance notification. Do not close the transaction or pay twice. If more than 30 minutes pass, check the deposit history and contact the platform's support.
Buy through the instant-buy mode, or set your own order. Buy costs and tax are covered in our crypto tax guide. {{/steps}}

Two small habits save money. First, make one larger top-up by VA rather than five small ones by QRIS. Second, note the fee shown in the app before you confirm, because the fee page and the in-app figure can differ when a change is being rolled out.

Example: saving Rp100,000 a week

Regular buyers often use QRIS because it is quick. Count a year: 52 times Rp100,000 is Rp5,200,000. Via QRIS at 0.7% the fee is Rp700 each time, or Rp36,400 a year. Via GoPay or another 2% e-wallet, Rp2,000 each time or Rp104,000 a year. Now change the habit: one Rp400,000 top-up a month by virtual account at Pintu or Reku carries no platform fee, and you can still buy Rp100,000 every week from the rupiah balance inside the app. The difference is tens of thousands of rupiah a year without changing how much you invest. If you used Tokocrypto with QRIS at 2%, the cost would match the GoPay figure above.

What e-wallets and QRIS cannot do

E-wallets and QRIS only get rupiah into an OJK-licensed app. For cashing out, the platforms we read send rupiah to a bank account in your name (Pintu, for example: Rp4,500, usually around 15 minutes), so the e-wallet is not the exit route there. We did not confirm that withdrawal to an e-wallet exists; check in the app. The full picture is in selling crypto for rupiah.

Credit cards and PayPal are not available on licensed apps, and the reasons are in the credit card and PayPal guide. Pintu also refuses cash deposits at bank tellers, citing OJK Regulation 27/2024 as amended by Regulation 23/2025. Options for people who only hold cash are covered in the cash guide. We also found no Alfamart or Indomaret top-up channel on any platform page we read.

The mistakes that come up most

First, ignoring the minimum deposit. Pintu is Rp50,000 for all methods, the others Rp10,000. A Rp20,000 top-up at Pintu does not meet the minimum. Second, reusing an old VA number. The virtual account number is shown in the app when you choose that method, so always copy the freshly displayed number and match the destination bank name before you transfer. Third, using someone else's account. Pintu explicitly accepts deposits only from an account in the same name. Money arriving from a third party can be rejected or held, and accounts linked to fraud can be frozen by the bank. If you are dealing with another person outside the platform, read P2P crypto in Indonesia and crypto scams first.

Fourth, treating "free" as zero. A Rp0 VA fee from Pintu or Reku does not erase a bank's admin fee, and every platform adds trading costs (including the CFX fee that changes on 1 October 2026) when you buy. Fifth, paying into an app you have not verified. Make sure the platform's name and domain are on the OJK whitelist before you put money in. For large sums, OTC and direct bank transfer make more sense than QRIS.

As a picture: a first-time buyer entering with Rp500,000 saves most with a Pintu or Reku VA (Rp0) or the Mandiri VA at Indodax (Rp1,665), rather than QRIS (Rp3,500) or GoPay (Rp10,000). If you want to set platforms side by side, see the Tokocrypto review and the Pluang review for details beyond deposits.

Buying crypto with GoPay, OVO, DANA and QRIS: what does it cost?

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