LinkAja / LinkAja Syariah 4.39.1

LinkAja is a digital wallet offered by PT Fintek Karya Nusantara (Finarya) and is registered with Bank Indonesia. The app provides a range of financial services to meet your needs, including transfers, payments for GOJEK/Grab, shopping on Tokopedia, buying fuel from MyPertamina, dining at McD, and bill payments for PLN, BPJS, and more. Additionally, you can activate LinkAja Syariah for Sharia-compliant financial services.

• Easy to Top Up Balances: You can easily top up your LinkAja balance online through various bank networks such as HIMBARA (Mandiri, BRI, BNI, and BTN), BCA Mobile, Livin by Mandiri, BRIMO, BNI Mobile Banking, CIMB Niaga, Jenius, BSI Mobile, and others. Top-ups are also available at modern retailers like Alfamart, Indomaret, Circle K, and others.
• Receive, Send and Withdraw Money: With LinkAja, you can receive remittances from various sources such as government banks, private banks, and government programs like the Pre-Employment Card. You can also send money to different banks including HIMBARA, BCA, CIMB Niaga, BSI, and more. Additionally, you can easily top up your E-Money card via NFC using LinkAja. Cash withdrawals are conveniently available at HIMBARA ATMs.
• Easier Transaction on MyPertamina: Connect your LinkAja account to the MyPertamina app for seamless fuel payments without any administrative fees. Take advantage of attractive promos as well.
• Buy Prepaid Credit and Pay Postpaid Bills: Purchase prepaid credit and data packages from various providers including My Telkomsel, Indosat Ooredoo, My XL, Smartfren, and more. Pay your postpaid and internet bills from providers like My Indihome, Telkomsel Postpaid, and others.
• Online Bill Payment – Electricity, PAM, Insurance, Gas, Taxes: Conveniently pay bills for PLN electricity (PLN Mobile), PAM/PDAM water, gas, BPJS insurance, and more. You can also pay various tax bills such as E-Samsat, STNK, PBB, and others. LinkAja makes it easier to pay for BPJS Health insurance, BPJS Employment, and Mobile JKN.
• Pay Easier To Commute: LinkAja is the only digital wallet accepted on Grab and GOJEK platforms for easy payment when ordering online motorcycle taxis or other transportation services. It can also be used to pay for other modes of transportation including KAI Access, MRT, and ticket purchases on Tiket.com.
• Speedy Payment Using QRIS: The QRIS feature allows for quick payments at favorite offline merchants such as McD, McDelivery, Kopi Kenangan, and more.
• Sharia Transactions: Activate the LinkAja Syariah service to access blessed digital banking services that comply with Sharia regulations. This includes transfers, sharia mutual funds, and payments for zakat, infaq, and alms.
• Check out Shopping Cart More Seamless: Checkout your shopping cart effortlessly when shopping on Tokopedia, Blibli, Bukalapak, Sociolla, and other popular marketplaces using LinkAja. Conveniently pay for meals ordered on GoFood, GrabFood, and Digiresto as well.
• Easy Online Loans: Experience the ease of applying for online loans through platforms like Kredit Pintar, UKU, Indodana, Pegadaian, and more. Choose from installment terms ranging from 2 months to 60 months, with loan limits varying from IDR 600,000 to IDR 1,500,000,000. Interest rates start from 0.80%/month to 7.5%/month, with a maximum annual interest rate (Max APR) of 90%. Here's an example of a P2P lending loan simulation:
  Loan Amount: IDR 600,000 to IDR 6,000,000
  Loan Interest: 0.22% to 0.25%
  Tenor: 2 to 6 months
  Monthly Installments: IDR 374,937 to IDR 1,250,000
  Total Loan Payment: IDR 749,874 to IDR 7,500,000
• Donate for Good: Contribute to various charitable institutions like Kitabisa, Benih Baik, BAZNAS, Rumah Zakat, and others by paying via LinkAja.