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DANA deposit and withdrawal

DANA is one of the most widely adopted mobile wallets in Southeast Asia and remains our fastest deposit method on gerai. Opening a DANA deposit takes three steps: log into your gerai account, navigate to the Cashier or Deposit section, select DANA from the payment-method list, and enter your desired deposit amount. DANA will open in a new window asking for your phone number and transaction PIN. Confirm the transfer and your gerai account will be credited instantly — typically within subject to verification. Withdrawals to DANA follow a similar path: go to Cashier, select Withdrawal, choose DANA, enter your amount, and confirm. Our system processes the request within 2–4 business hours, after which DANA transfers funds to your registered phone number. Most users see funds in their DANA wallet within subject to verification after approval. Minimum deposit is typically low (check your account for exact local limits), and there are no hidden fees — the amount you deposit is the amount credited. If a DANA deposit fails, check that your wallet has sufficient balance and that your phone number matches your DANA account registration. For stalled withdrawals, contact our support team with your transaction ID; we investigate and reissue funds promptly.

OVO and GoPay usage

OVO and GoPay are two of the most convenient payment rails for gerai users because they integrate directly with popular mobile apps. To deposit using OVO, open your gerai account, select Deposit, choose OVO, and enter your target amount. OVO will prompt you to verify with your phone number and OTP code — complete these steps and your OVO balance will be debited immediately. Gerai credits your account within subject to verification. Withdrawals from gerai to OVO take subject to verification to process after approval, and your OVO wallet receives the funds shortly after. GoPay works the same way — select GoPay during deposit or withdrawal, authenticate using the Gojek app on your phone, and confirm the transaction. GoPay transfers are slightly slower than DANA (typically subject to verification for deposits, subject to verification for withdrawals) because the Gojek infrastructure requires additional verification steps. Both OVO and GoPay require that your phone number and registered account match your gerai profile — if you recently changed your phone number, update it in Account Settings before attempting a transaction. Neither OVO nor GoPay charges gerai users transaction fees; all costs are borne by the payment provider. If your OVO or GoPay transaction appears stuck, wait subject to verification and refresh your gerai account page — most transactions complete without intervention. If funds are still missing after 1 hour, open a support ticket and provide your OVO/GoPay transaction ID and gerai deposit/withdrawal ID.

BCA, Mandiri, BRI, BNI virtual account

Bank virtual accounts (VA) are a secure, direct method to deposit and withdraw using your existing bank account. When you choose a bank VA deposit on gerai, our system generates a unique virtual account number for your account — typically a 16-digit code starting with your chosen bank's routing number. You can then transfer funds to this VA using your bank's mobile app, online banking, or ATM. The transfer settles within 1–2 business hours during weekday banking hours; weekend transfers settle the next business day. Once your bank processes the transfer, gerai credits your account automatically — no manual review required. Your virtual account number remains active for all future deposits, so you can reuse it without requesting a new one. For withdrawals, you must link your primary bank account (the one you used during KYC verification). When you request a withdrawal to your bank account, gerai initiates a transfer to that linked account within 2–4 business hours. Bank processing times vary — BCA and Mandiri usually settle within 1–2 business hours; BRI and BNI may take up to 2–4 business hours. Virtual account deposits have no per-transaction fee; you only pay your bank's standard transfer fee (if any). Withdrawals to linked bank accounts are also fee-free on gerai's side, though your bank may deduct a small transfer charge. Always verify your VA number before initiating a deposit and ensure your linked withdrawal account matches your verified KYC identity.

Fees, limits and verification

Gerai does not charge transaction fees on deposits or withdrawals — we pass through only the costs your payment provider imposes. DANA, OVO, and GoPay typically deduct no fee for transfers to gerai, so the amount you send is the amount you receive. Bank virtual accounts have similar transparency; gerai absorbs the transfer cost, and you pay only what your bank charges (usually nothing for internal transfers). Deposit minimums are typically very low — often as little as our welcome offer or equivalent — to accommodate all user budgets. Maximum deposit amounts vary by account age, tier, and payment method; new accounts may have a daily limit of 5–10 million IDR, which increases as you maintain an active account and move through loyalty tiers. KYC (know-your-customer) verification is required before your first withdrawal — you must upload a valid government ID (passport, driving licence, or national ID card) and answer two security questions. Verification usually completes within subject to verification, but can take up to 2 business hours if additional documents are requested. Once verified, you can withdraw any amount up to your account limit. Gerai does not impose withdrawal fees or minimum withdrawal amounts; you can withdraw as little as our welcome offer or as much as your daily limit allows.

Resolving a stalled transaction

If a deposit does not appear in your gerai account within the expected timeframe, first check your payment method to confirm that funds left your wallet or bank account. If money has been debited but gerai shows no deposit, open a support ticket immediately and provide your transaction ID from your payment method plus the exact amount and timestamp. Our team will investigate the payment gateway logs and either credit your account manually or instruct you to contact your bank for a reversal. For e-wallet deposits (DANA, OVO, GoPay), investigations typically conclude within 2 business hours. For bank transfers, resolution can take 2–5 business days if the transfer stalled in the banking system. For withdrawals under review longer than expected, check your account transaction history to see if the withdrawal was approved or remains pending. Most withdrawals are approved and sent within 4 business hours; if yours is still pending after 8 hours, contact support with your withdrawal ID. Our team will check whether additional KYC documents are needed (which can delay processing) or if there is a system issue. If your bank rejects an incoming withdrawal transfer (rare but possible), gerai will automatically reverse the funds back to your account balance within 1 business day, and we will suggest an alternative payment method. For repeated issues, request escalation to our technical team so we can identify and fix the underlying problem.