LinkAja

At a glance

• Editor score
  5.3 / 10
• Pricing
  Free plan
• Best for
  Indonesian users paying bills and moving wallet funds
• Free plan
  Yes
• Paid from
  Free
• Founded
  2019 · Jakarta, Indonesia
• Facts checked
  22 Sep 2026

• Where it wins

  • Covers bills, mobile credit, merchants, transport, fuel, and other wallets
  • Supports wallet-to-wallet, bank transfers, and cardless cash withdrawal
  • Available on iOS and Android with email, chat, phone, and docs support

• Where it doesn't

  • Transfer fees vary by destination bank
  • Bank transfers and higher limits require Full Service verification
  • No listed integrations beyond its built-in payment ecosystem

Our verdict on LinkAja

LinkAja is an Indonesian electronic wallet for consumers and businesses that need one mobile service for payments and money movement. It supports sending money to other LinkAja users, transferring balance to bank accounts, cardless cash withdrawal, bill payments, mobile credit, data packages, electricity tokens, merchant payments, selected online services, other e-wallet top-ups, transportation, and fuel. The app is available on iOS and Android, with cloud and mobile deployment, making it a fit for solo users, small businesses, and enterprises operating in Indonesia.

The product’s strongest angle is breadth within everyday Indonesian payments. Users can handle electricity, water, telephone, internet, and other bills alongside merchant purchases and digital products, rather than switching between separate payment services. Bank and wallet recipient methods are supported, and transfer tracking is included. The account structure also matters: Full Service enables bank transfers and higher balance and transaction limits, so users who need those capabilities must complete verification. Support is available through email, chat, phone, and documentation.

Pricing is free to start, but transfers can carry fees. Listed examples include IDR 1,000 for several Himbara banks, IDR 2,500 for BCA, and IDR 6,500 for other listed banks; fees vary by destination bank. That makes LinkAja most suitable for users who value a broad local payment wallet and can complete Full Service verification when needed. It is less suitable for buyers seeking a simple fee-free transfer tool, a broad external integration layer, or a narrowly focused international money-transfer service.

Your product? Our editors can test LinkAja in depth and publish a review, labelled as paid · from $149/mo →

LinkAja pricing

LinkAja fact sheet

Alternatives to LinkAja

• WiseA transparent option for international transfers across web and mobile.9.4
• TransferGoA flexible transfer service with a free multicurrency wallet and upfront pricing.9.2
• Xe Money TransferA broad international transfer service with transparent quotes, tracking, and multiple delivery methods.9.0

See all LinkAja alternatives →

Featured on iTechGuides

LinkAja is listed in our Money Transfer Apps directory. Add the badge to your site — it links back to this page.

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Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026

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Last updated 7 Oct 2026 · How we research and update