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Rates & Limits
Rates & Limits
Rates & Limits
Transaction Limit
Send money & top up e-Wallet from the Jago app
Via the Jago application, you can transfer from Rp1 to Rp1,000,000,000. The methods used differ based on bank policy or applicable regulations. The information below explains the limits for each transfer method. For transfers above Rp1,000,000,000, you can carry out the process from within the application. But, you have to visit the branch for verification.
When transferring more than Rp250,000,000 from Jago to another bank via the Jago application, you will be given transfer method options.
- Transfer Rp1 - Rp250,000,000: Automatically use BI-FAST or RTOL.
- Transfer Rp250,000,001 - Rp500,000,000: You can choose between RTGS and SKN.
- Transfer Rp500,000,001 - Rp1,000,000,000: Automatically use RTGS.
- BI-FAST (Bank Indonesia Fast and Secure Transfer) is a real-time & secure payment system that can use telephone numbers and emails as a substitute for the destination account number. The maximum transfer amount with BI-FAST is Rp250,000,000.
- RTOL (Real Time Online) is a payment system that allows money transfers between banks in real-time with a maximum transfer amount of up to Rp250,000,000.
- SKN (National Clearing System) is a transfer method for large amounts, from Rp50,000,001 to Rp500,000,000. SKN requires a longer transfer time, but the transfer fee is more affordable. Available 7.00-15.30 WIB Monday-Friday.
- RTGS (Real Time Gross Settlement) is a transfer system for large amounts, from Rp100,000,001 to Rp1,000,000,000, in real-time, with more premium fees. Available 7.00-15.30 WIB Monday-Friday.
Find out the fees for each transfer method here.
Transaction at ATM
| Cash withdrawals | |
|---|---|
| Minimum Limit/Transaction | Rp50,000 |
| Maximum Limit/Transaction | Rp2,500,000 |
| Maximum Limit/Day | Rp15,000,000 |
| Transfer | |
| Minimum Limit/Transaction | Rp10,000 |
| Maximum Limit/Transaction | Rp25,000,000 |
| Maximum Limit/Day | Rp50,000,000 |
Transaction with Jago Debit Card
| Transaction at e-commerce | ||
|---|---|---|
| Minimum Limit/Transaction | Rp1 | |
| Maximum Limit/Transaction |
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| Maximum Limit/Day |
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| Transaction at merchant | ||
| Minimum Limit/Transaction | Rp1 | |
| Maximum Limit/Transaction | Rp50,000,000 | |
| Maximum Limit/Day | Rp50,000,000 | |
| Contactless | Current Limit | New Limit (Effective July 28, 2026) |
| Minimum Limit/Transaction | Rp1 | Rp1 |
| Maximum Limit/Transaction | Rp1.000.000 | Rp3.000.000 |
| Maximum Limit/Day | Rp1.000.000 | Rp5.000.000 (default) Rp10.000.000 (maximum) |
Transactions with QRIS
| QRIS Transactions | |
|---|---|
| Minimum Limit/Transaction | Rp1 |
| Maximum Limit/Transaction | Rp10.000.000 |
| Maximum Limit/Day | Unlimited |
Transactions on partner apps using linked pockets
| In Gojek App | |
|---|---|
| Minimum Limit/Transaction | Rp1 |
| Maximum Limit/Transaction | Rp2,000,000 |
| Maximum Limit/Day | Rp5,000,000 |
| In Bibit App | |
| Minimum Limit/Transaction | Rp1 |
| Maximum Limit/Transaction | Rp1,000,000,000 |
| Maximum Limit/Day | Rp1,000,000,000 |
Transactions at Tokopedia via Jago, Jago Syariah, and GoPay Tabungan by Jago
| Check out at Tokopedia with Jago / Jago Syariah Pocket | |
|---|---|
| Minimum Limit/Transaction | Rp1 |
| Maximum Limit/Transaction | Rp7,000,000 (starting 24 October 2023) |
| Maximum Limit/Day | Rp12,000,000 (starting 24 October 2023) |
| Check out at Tokopedia with Jago Visa Debit Card / Jago Syariah Visa Debit Card | |
| Minimum Limit/Transaction | Rp1 |
| Maximum Limit/Transaction | As set by the customer in the Jago application (up to Rp50,000,000) |
| Maximum Limit/Day | As set by the customer in the Jago application (up to Rp50,000,000) |
| Requiring two-factor authentication | As set by the customer in the Jago application |
| Check out at Tokopedia with GoPay Tabungan by Jago / GoPay Tabungan Syariah by Jago | |
| Minimum Limit/Transaction | Rp1 |
| Maximum Limit/Transaction | Rp200.000.000 |
| Maximum Limit/Day | - |
| Requiring two-factor authentication | In the Tokopedia application, transactions above Rp7,000,000 or daily accumulation of Ro12,000,000 must use a password. |
| Check out at Tokopedia with GoPay balance | |
| Minimum Limit/Transaction | Rp1 |
| Maximum Limit/Transaction | As per customer balance limit (Rp2,000,000 for GoPay users and Rp20,000,000 for GoPay Plus users) |
| Maximum Limit/Day | - |
Foreign Currency Pocket Transaction
| Buy Foreign Currencies | |
|---|---|
| Minimum Limit/Transaction | USD 1 SGD 1 EUR 1 JPY 1 AUD 1 |
| Maximum Limit/Transaction | Equivalent to USD 9,500 Note: accumulation of all foreign currencies |
| Maximum Limit/Month | Equivalent to USD 9,500 Note: accumulation of all foreign currencies |
| Sell Foreign Currencies | |
| Minimum Limit/Transaction | USD 1 SGD 1 EUR 1 JPY 1 AUD 1 |
| Maximum Limit/Transaction | Equivalent to USD 240,000 Note: accumulation of all foreign currencies |
Time to Manage Your Money
the Way You Want
Create up to 60 Jago Pockets (bank accounts) without monthly admin fees to start saving, transacting, and managing expenses.
Open a Term Deposit in minutes directly from the app and get competitive interest. Withdraw your Deposit early (if needed) without penalties. Plus, there is a free quota for inter-bank transfers and e-Wallet top-ups up to 150x according to Account Level.
Grab your smartphone, scan the QR code below to download and register Jago from anywhere and anytime.
