Freedom251 › Digital Wallet Apps
OVO
by OVO
What OVO is
OVO is a free mobile application for electronic-money payments and loyalty points on Android and iOS. Users can pay online or at offline merchants marked OVO Accepted Here or QRIS, and OVO says its cashless network covers more than 60,000 outlets. The app handles bills and top-ups for electricity, telephone, internet, and insurance. OVO Cash can be added through ATMs, mobile or internet banking, debit cards, and selected partner merchants. Participating purchases earn OVO Points valued at Rp 1 each, although points cannot be cashed out, transferred, or assigned. Spending can be monitored in the app. OVO Club is free with a Rp 2.000.000 balance limit; OVO Premier is free with a Rp 20.000.000 limit plus bank and user transfers. OVO says it is licensed and supervised by Bank Indonesia.
Who it suits
It suits Android and iPhone users who want mobile payments, bills, top-ups, and merchant rewards. Users needing transferable or cashable reward points may find the points rules restrictive.
What it does well
- Free Android and iOS app
- Online, offline, and QRIS payments
- Supports bill payments and top-ups
- Two free plan options
- Includes spending monitoring
What to know first
- Points cannot be cashed out
- Points cannot be transferred
- OVO Club balance capped at Rp 2.000.000
Plans
| Plan | Billed and limits | Price |
|---|---|---|
| OVO Premier | OVO Cash balance up to Rp 20.000.000 · Bank transfers · Transfers between OVO users | Free |
| OVO Club | OVO Cash balance up to Rp 2.000.000 | Free |
As ovo.id lists them, read 11 Oct 2026. The maker's own page has the final word.
Verdict
OVO combines payments, top-ups, bill handling, and loyalty points in a free mobile app. Its plan limits and non-transferable points are important when choosing how to use the service.
Facts from OVO's own pages
- Features
- The app supports bill payments and mobile top-ups for electricity, telephone, internet, and insurance. · ovo.id, 11 Oct 2026
- Financial controls
- The app can be used to manage and monitor spending. · ovo.id, 11 Oct 2026
- Free plan
- Yes · ovo.id, 20 Sept 2026
- Headquarters
- South Jakarta, Indonesia · ovo.id, 28 Sept 2026
- Integrations
- OVO accepts QRIS payments at offline merchants and offers payments at participating online merchants. · ovo.id, 11 Oct 2026
- Merchant reach
- OVO’s features page says it supports cashless transactions at more than 60,000 outlets. · ovo.id, 11 Oct 2026
- Payments
- Users can pay online and at offline merchants marked “OVO Accepted Here” or “QRIS.” · ovo.id, 11 Oct 2026
- Platform availability
- The maker links users to download the OVO app, and the app is listed for iPhone and Android. · ovo.id, 11 Oct 2026
- Points limit
- OVO Points cannot be cashed out, transferred, or assigned to another person. · ovo.id, 11 Oct 2026
- Privacy
- OVO’s privacy notice says it collects transaction, usage, and device information when users use its services. · ovo.id, 11 Oct 2026
- Product
- OVO is a mobile app for electronic money payments and loyalty points. · ovo.id, 11 Oct 2026
- Rewards
- OVO Points are earned at participating merchants and 1 point is valued at Rp 1. · ovo.id, 11 Oct 2026
- Security and regulation
- OVO says it is a payment service provider licensed and supervised by Bank Indonesia and describes identity checks and fraud monitoring measures. · ovo.id, 11 Oct 2026
- Support
- OVO lists a 24-hour, 7-day call center at 1 500 696 and support email [email protected]. · ovo.id, 11 Oct 2026
- Top-ups
- OVO Cash can be topped up through ATMs, mobile or internet banking, debit card, and selected partner merchants. · ovo.id, 11 Oct 2026
Where OVO stands on Freedom251
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- Money Transfer Apps#60 of 81