Indonesia is a cash-friendly country but digital payments via GoPay and OVO are increasingly accepted in cities and tourist areas. Download Gojek and Grab before you arrive. They are essential for cheap, safe transport and bypass language barriers.
Payment & Finance Apps
GoPay
Essential
Gojek's built-in digital wallet accepted at thousands of merchants, warungs, and street vendors across Indonesia.
Pro tip: Link GoPay to your Gojek account before arriving. It unlocks discounts not available with cash.
OVO
Nice to have
One of Indonesia's most widely accepted e-wallets, used for Grab payments, retail stores, and restaurants.
Pro tip: OVO is the default wallet for Grab. Top it up if you rely on Grab more than Gojek.