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DANA deposit and withdrawal

DANA is one of our fastest payment rails. To deposit via DANA, log into your oma account, select Deposit, and choose DANA from the payment list. Enter your desired amount (we accept deposits across a broad range, typically our welcome offer to several million). You will be redirected to the DANA app or website to confirm the payment. Upon completion, your account updates within subject to verification. Withdrawals follow the same process: select Withdrawal, enter the amount, and choose DANA. The funds return to your DANA wallet within subject to verification. DANA is ideal if you prefer a digital wallet and want to avoid bank transfer delays. There are no hidden fees; the amount you enter is the amount you receive (less any standard e-wallet charges from DANA itself, which are transparent).

OVO and GoPay usage

OVO and GoPay both operate as digital wallet services linked to your phone number. On oma, you can deposit through either service: navigate to Deposit, select OVO or GoPay, and authorize the payment from your app. Deposits typically credit within subject to verification. For withdrawals, the process is similar — select your preferred wallet and confirm. Both OVO and GoPay require you to have a verified account and sufficient balance before you attempt a transaction. If you change your phone number, inform oma support so we can update your account details. OVO and GoPay also offer their own transaction limits; if you exceed them, the payment may be declined. Contact OVO or GoPay support for limit adjustments on their side.

BCA, Mandiri, BRI, BNI virtual account

Bank virtual accounts (VA) are unique numbers assigned to your oma account. When you choose to deposit via BCA, Mandiri, BRI, or BNI, we generate a VA code specific to your account. Transfer the desired amount from your personal bank account to that code using your bank's mobile app or ATM. The system matches the transfer to your account automatically, and your balance updates within subject to verification. For withdrawals, we reverse the process: you initiate a withdrawal on oma, and the funds transfer back to the bank account on file. Processing times vary by bank but typically complete within subject to verification. If you switch banks, update your bank details in your account settings. VA deposits do not require KYC verification upfront, though large or repeated withdrawals may trigger verification requests.

Fees, limits and verification

oma does not charge deposit or withdrawal fees — you pay only the standard charges levied by your payment provider (e.g. DANA, OVO, or your bank). account preferences depend on your account verification status. Unverified accounts can deposit up to a modest daily amount; once you complete KYC (upload ID and proof of address), limits increase significantly. Withdrawal requests above a certain threshold (typically a few million IDR) trigger verification if you have not completed KYC. Verification is straightforward: submit a government-issued ID and a recent utility bill or bank statement. Processing takes subject to verification for complete documents. After verification, you unlock higher limits and can withdraw larger amounts without additional review. Keep your details up to date; if your ID or address changes, submit an updated document to maintain account access.

Resolving a stalled transaction

If a deposit does not credit within the expected window, first check your account dashboard — sometimes the balance updates after a delay. If it still shows as pending after subject to verification, contact support with your transaction reference (usually found in your bank or e-wallet app). Provide the date, amount, payment method, and reference code. Our team investigates and typically resolves the issue within 2–4 hours. Common causes include network delays, incorrect VA code entry, or amount mismatches. If the deposit reverses to your source account, you will see a credit back within 24 hours. For withdrawals, if funds do not arrive within the expected window, do not panic — bank delays happen, especially outside business hours (18:00–08:00). Wait 24 hours, then contact support if still unresolved. We keep records of all transactions and can verify status with payment providers. Always keep your withdrawal reference number handy for quick resolution.