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DANA deposit and withdrawal

DANA is one of our fastest payment rails for account holders in supported regions. Deposits via DANA credit within subject to verification of confirmation. To deposit, select DANA from the payment menu, enter your account number or phone, and approve the transaction in the DANA app. Our system confirms receipt immediately and credits your account balance. Withdrawal requests are processed during business hours (08:00–22:00) and typically return to your DANA wallet within subject to verification. The minimum deposit is our welcome offer and the maximum is our welcome offer per transaction, though daily limits may apply based on your DANA provider settings. If a deposit does not appear within subject to verification, check your DANA transaction history and contact our support team with your transaction reference. DANA is widely accepted across Indonesia, making it ideal for quick top-ups between sessions.

OVO and GoPay usage

OVO and GoPay are also featured payment options for deposits and withdrawals on miotoro. Both require account binding through a simple verification process—enter your phone number registered with OVO or GoPay, and approve the linking in your payment app. Deposits via OVO or GoPay arrive within subject to verification. Withdrawals are processed similarly, with funds returning to your OVO or GoPay wallet within subject to verification. The minimum deposit for both is our welcome offer; the maximum is our welcome offer per transaction. Account holders with higher tier status may enjoy shorter processing windows. OVO and GoPay both track your transaction history, allowing easy reconciliation with your miotoro account balance. If you encounter a failed transaction, check your OVO or GoPay app first to confirm the status, then contact our support team. Both services maintain customer support, which can help resolve any linking or transaction issues.

BCA, Mandiri, BRI, BNI virtual account

Bank virtual accounts (VA) provide a direct-transfer option for account holders who prefer depositing via their main bank account. After registration and verification on miotoro, you receive a unique virtual account number tied to your profile—one for each of BCA, Mandiri, BRI, or BNI. To deposit, transfer funds from your personal bank account to the virtual account number displayed in your miotoro dashboard. The system credits your account within subject to verification during banking hours (Monday–Friday, 08:00–17:00) and within 2–4 hours on weekends. Bank VAs typically support deposits from our welcome offer to our welcome offer. Withdrawals to bank VAs process within 24–48 hours on weekdays, with funds returning to your registered bank account. Keep your VA number confidential—only transfer from your own bank account linked during verification. If a transfer is delayed, check your bank's transaction log and contact miotoro support with the transfer details and timestamp.

Fees, limits and verification

miotoro does not charge platform fees on deposits or withdrawals; however, your payment provider (DANA, OVO, GoPay, bank, etc.) may apply transaction fees. These are typically minimal (our welcome offer–5,000) and are deducted by the provider, not by us. Account-level limits are customisable—set your daily deposit, weekly deposit, and monthly spending limits in your account preferences. Withdrawal limits are also available to help you manage your budget. Initial account verification requires an ID copy and selfie, which our team reviews within 2–24 hours. Higher withdrawal amounts (above our welcome offer per week) may trigger additional verification. Once verified, you can deposit and withdraw freely within your set limits. Our system automatically flags unusual activity for security review—this may delay processing by a few hours but protects your account from unauthorised access.

Resolving a stalled transaction

If a deposit has not appeared in your account within the expected timeframe, first check your payment-provider app (DANA, OVO, GoPay, or your bank) to confirm the transaction was sent. Look for a confirmation number or reference ID. Log into your miotoro account and check your transaction history—the deposit may be pending and will credit shortly. If the payment provider shows the transaction as successful but miotoro has not credited it after subject to verification, contact our support team immediately. Provide the transaction reference, payment method, amount, and timestamp. Our team will trace the transaction on our system and either process it manually or initiate a refund to your payment provider. Withdrawal delays are less common but can occur if verification is pending or if our system flags the request for security review. In this case, you will see a notification in your account. Do not attempt multiple withdrawals—contact support instead. We will review the request and confirm the status within 2–4 hours. Always keep transaction receipts and reference IDs for easy troubleshooting.