Tokocrypto: a fee table you can read in full, and a 2% QRIS fee you should price in

Tokocrypto is the OJK-licensed local exchange that is most open about its numbers: its whole transaction fee table is published, which makes the maths easy. Trading costs on IDR pairs are reasonable, but two things eat into your value: deposits by QRIS or e-wallet cost 2%, and the sell side costs 0.4322% because it includes the income tax. If you fund by virtual account and buy with limit orders (as a maker), your total cost is among the lowest of the apps whose numbers we could verify. This review goes through the figures one by one and then sets them against Indodax and Pintu. For a wider choice, see the best crypto exchanges in Indonesia.

{{callout type="verify" title="Checked against sources"}} The fee table we use has applied since 18 June 2026 at 01:00 WIB, after the exchange and clearing migration. The deposit guide was read at the time. The per-level KYC limits that were once published now point to a 404 page, so we do not list them. The exchange component in the table is called ICEx fee; whether it also falls on 1 October 2026 is something we could not confirm. Check the official fee page before you decide. {{/callout}}

A fee table you can read to the end

Tokocrypto splits its cost into three layers: the Tokocrypto fee, tax and the exchange fee. Per the official table in force since 18 June 2026:

Trade	Tokocrypto fee	Tax + exchange fee	Total
IDR pair buy, taker	0.20%	VAT 0% + ICEx 0.0222%	0.2222%
IDR pair buy, maker	0.10%	VAT 0% + ICEx 0.0222%	0.1222%
IDR pair sell, taker	0.20%	PPh 0.21% + ICEx 0.0222%	0.4322%
IDR pair sell, maker	0.10%	PPh 0.21% + ICEx 0.0222%	0.3322%
USDT / crypto pairs	0.15%	PPh 0.21% + ICEx 0.0444%	0.4044%

Worth noticing: on USDT and crypto pairs the table lists the 0.21% PPh on the buy side as well, so 0.4044% applies in both directions. That is how the table reads, but it is higher than an IDR-pair buy. On terms: a maker posts a limit order that waits in the order book, a taker fills immediately. The tax follows PMK 50/2025: no VAT (PPN) on buying or selling crypto, and a final 0.21% income tax (PPh Article 22) on sales, as explained on the tax office site and in our crypto tax guide. Tokocrypto also lists 5% tax (progressive income rate) on staking rewards and 0% on DCA.

One detail surprises people: the exchange fee in the table is called "ICEx fee", not CFX. That follows the June 2026 exchange and clearing migration. While Pintu, Indodax, Reku and Pluang showed a 0.0111% CFX component up to 30 September, we cannot say whether Tokocrypto's ICEx line follows the 1 October 2026 cut.

Who Tokocrypto suits

The biggest winners are buyers who want to know exactly what they pay before pressing the button. An open table and a maker-taker split make the maths on paper match the maths in the app. Next are people already familiar with the Binance ecosystem: Tokocrypto is a local exchange linked to Binance (global Binance is unlicensed in Indonesia, as explained in our Binance review). We could not confirm Binance's ownership percentage from a primary source, so we only state the link. A press piece from Infobank dated mid-September 2026 quotes the company as saying it has over 5 million users, with active users up 75% in the first half of 2026; treat that as a company claim relayed by the media. The company also mentioned plans for tokenised stocks (40+ already), futures and AI-assisted trading by the end of 2026; read that as a roadmap, not as features to count on.

Less suitable: people who lean on QRIS for small, frequent deposits, since 2% is plainly pricier than the 0.7% QRIS fee at Indodax. A comparison of e-wallet routes is in our guide to buying with GoPay, OVO, DANA and QRIS.

Depositing rupiah: methods, minimums, speed

Per the deposit guide read at the time, Tokocrypto accepts BCA, BRI and Mandiri virtual accounts, blu by BCA Digital, QRIS, and the e-wallets OVO, GoPay, ShopeePay, DANA and LinkAja; announcements also mention a Nobu virtual account. QRIS and e-wallets carry a 2% fee. We did not find a stated fee for virtual-account deposits on the pages we read, so check the screen before you send, and note that your sending bank may charge its own fee.

The IDR minimum deposit was lowered to Rp10,000 in stages between 3 and 10 June 2026, but the QRIS page still says Rp50,000, so treat Rp50,000 as the safe figure for QRIS. Funds usually land in under 5 minutes, can take up to 24 hours, and are slower between 22:59 and 05:00 WIB. Credit cards and cash are not on the list; the reasons are in our credit card and PayPal guide and cash guide.

Verification and limits: about one business day

Level 1 KYC asks for a KTP for Indonesians or a KITAS for foreigners, personal details including source of income, and a liveness selfie. Per the app guide, review takes "about 1 business day", longer than the 10 minutes to 24 hours Pintu publishes, so do not open an account five minutes before you want to buy. The guide for foreign nationals (KITAS, KITAP, visa) we only saw through a search snippet because the page refused access, so we do not promise that a tourist can register. An NPWP is not listed as a requirement in the guides we read.

On transaction limits, one snippet once cited Level 1 at up to 3 BTC and Rp250 million per 24 hours, and Level 2 at up to 100 BTC and Rp5 billion (requiring a source-of-wealth form and three months of bank statements). That KYC-level page now returns 404, so treat those numbers as stale and check in the app. For the very first steps, see how to buy crypto in Indonesia.

Withdrawing: Rp10,000 and the USDT detour

A rupiah withdrawal to a bank costs Rp10,000. The official guide (an Indonesian-language page updated roughly a year ago) says about 15 minutes and at most 1x24 working hours depending on bank clearing. There is one trap: a coin without an IDR pair must first be sold to USDT, and only then USDT to IDR. Two sales mean the fee is charged twice, and the USDT pair in the table costs 0.4044%. So before you buy a niche coin, check whether it has an IDR pair. The full cash-out routine is in our guide to selling crypto for rupiah.

A worked example: Rp1,000,000 of Bitcoin, from deposit to cash-out

Everything below is illustrative, uses the 18 June 2026 table and assumes the price does not move. Fees are deducted from the trade value.