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DANA deposit and withdrawal

DANA is one of the most popular e-wallet options on koyso. To deposit via DANA, log in to your account, navigate to the cashier, and select DANA as your payment method. Enter your desired deposit amount (typically ranging from a few thousand to several million rupiah, depending on your account tier). You will be redirected to the DANA app or web interface to authorize the payment. Once confirmed, the funds appear in your koyso account within subject to verification. Withdrawals to DANA follow a similar process: go to the withdrawal section, select DANA, enter your amount, and confirm. We verify your account details and process the transfer; funds typically arrive within subject to verification. DANA withdrawals are subject to account verification and may require additional confirmation if your withdrawal amount exceeds your usual pattern.

OVO and GoPay usage

OVO and GoPay are widely used e-wallets in Indonesia and are fully supported on koyso. To use OVO, open your account cashier, select OVO, and enter your deposit amount. You will be prompted to log in to your OVO account and authorize the transaction. Deposits typically complete within subject to verification. GoPay follows the same flow: select GoPay from the payment menu, authorize via the GoPay app, and funds arrive within subject to verification. Both e-wallets require account binding during your first transaction; this involves confirming your phone number and identity. After binding, subsequent deposits and withdrawals are faster. OVO and GoPay also support withdrawal requests; funds return to your registered e-wallet account within subject to verification. Both services are subject to your e-wallet's daily transaction limits, so check your OVO or GoPay app for any restrictions before attempting large transfers.

BCA, Mandiri, BRI, BNI virtual account

Bank virtual accounts (VA) offer a direct deposit route for members who prefer traditional banking. When you select a bank VA option (BCA, Mandiri, BRI, or BNI), koyso generates a unique virtual account number tied to your account. You can transfer funds from your personal bank account to this VA number using your bank's mobile app or ATM. Deposits typically clear within subject to verification, depending on your bank and the time of day. The VA number remains active for all future deposits, so you do not need to request a new one each time. Withdrawals to a bank VA require you to provide your registered bank account details. We verify the account matches your identity and process the transfer; funds arrive within 24–48 hours (bank processing times vary). Bank VAs are ideal for larger deposits and offer higher transaction limits than e-wallets.

Fees, limits and verification

koyso does not charge deposit fees; however, your bank or e-wallet provider may apply their own charges. Withdrawal fees are minimal and are deducted from your withdrawal amount. Deposit and withdrawal limits depend on your account tier and verification level. New members typically have lower limits; as you complete KYC verification and maintain account activity, limits increase. Minimum deposits usually start at a few thousand rupiah; maximum deposits can reach several million per transaction. Minimum withdrawals are similarly modest. KYC verification is required before your first withdrawal and involves uploading a valid ID and confirming your phone number. This process typically takes subject to verification. Some withdrawals may trigger additional verification if the amount is unusually large or if your account shows irregular activity. We prioritize security and may request additional documentation in such cases.

Resolving a stalled transaction

If a deposit does not appear in your account after subject to verification, first check your account history for a pending status. If the transaction shows as pending, wait a few more minutes; delays can occur during high-traffic periods. If the transaction shows as failed or does not appear at all, contact our support team with your transaction ID (available from your bank or e-wallet app). We investigate with your payment provider to determine if the funds were deducted from your account. If the payment failed on the provider's end, we request a refund, which typically processes within 24–48 hours. For withdrawals that are delayed beyond the expected window, contact support with your withdrawal request number. We verify the status with your bank or e-wallet and provide an update. Withdrawals may be held for additional verification if your account is new or if the withdrawal amount is unusually large. Our support team aims to resolve stalled transactions within 2–4 hours during business hours.