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DANA deposit and withdrawal

DANA is one of the fastest payment rails on exo 123. To deposit via DANA, log into your account, navigate to "Deposit", and select DANA from the payment list. Enter your desired amount (minimum our welcome offer) and confirm. You will be redirected to the DANA app or web interface to authorise the transfer. Once authorised, the funds appear in your exo 123 account within subject to verification. Withdrawals work similarly: go to "Withdraw", select DANA, enter the amount, and confirm. The funds return to your DANA wallet within subject to verification after account verification. DANA supports amounts up to our welcome offer per transaction. If a deposit does not credit within subject to verification, contact support with your transaction ID.

OVO and GoPay usage

OVO and GoPay are widely used e-wallets in Indonesia and are fully supported on exo 123. To use OVO, link your OVO account to exo 123 during the deposit process. Select OVO, enter the amount, and authorise the payment in the OVO app. Funds typically arrive within subject to verification. GoPay works identically: select GoPay, authorise in the GoPay app, and funds arrive within subject to verification. Both methods require account verification (KYC) before your first withdrawal. After KYC is complete, withdrawals process just as quickly. OVO and GoPay each support up to our welcome offer per transaction. If you encounter a "payment declined" error, check your e-wallet balance and ensure two-factor authentication is enabled in your e-wallet app.

BCA, Mandiri, BRI, BNI virtual account

Bank virtual accounts (VA) offer an alternative for users who prefer traditional banking. When you select a bank VA during deposit, exo 123 generates a unique account number. Transfer funds from your personal bank account to this VA number using your bank's app or ATM. The transfer typically completes within subject to verification. Once credited, funds appear in your exo 123 account automatically. For withdrawals, funds are returned to the same bank account you used for the deposit. This process takes subject to verification depending on your bank. Bank VAs support higher transaction limits (up to our welcome offer per transfer on some banks). Keep your VA number safe; it is unique to your exo 123 account and valid for 24 hours per deposit session.

Fees, limits and verification

exo 123 does not charge deposit or withdrawal fees; however, your payment provider may apply their own charges. E-wallets (DANA, OVO, GoPay, ShopeePay) typically charge 0–non-specific info per transaction. Bank transfers are usually free or charge a flat fee (1,000–our welcome offer). Deposit minimums are our welcome offer; maximums vary by payment method (e-wallets: our welcome offer; bank VA: up to our welcome offer). Withdrawal minimums are typically our welcome offer. All new accounts must complete KYC verification before the first withdrawal. KYC requires a valid ID (KTP, passport, or driver's license) and phone confirmation. The process takes subject to verification. After KYC, your account is verified for 12 months.

Resolving a stalled transaction

If a deposit does not credit within the expected window, first check your payment provider's app to confirm the transfer was successful. If the transfer shows as completed on your e-wallet or bank side but has not appeared in exo 123, contact our support team immediately with your transaction ID and screenshot. We will investigate and credit your account manually if needed. For withdrawals under review, check your account status; if KYC is pending, complete it first. If KYC is complete and the withdrawal is still pending after 1 hour, contact support. Provide your withdrawal request ID and account email. We typically resolve stalled withdrawals within subject to verification. Never attempt to re-submit the same withdrawal; this may cause duplicate processing.