OTTO - Bikin Gampang Transaksi

21.3K reviews
Content rating
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About this app

Bikin Gampang Transaksi (Make it Easy) to manage your finances with OTTO.

OTTO is a digital application on smartphones as a financial solution that makes it easy for users to manage their finances, start from payment transactions, purchases, transfers, to recording financial transactions and recommending financial solutions that suit user needs.

PT IndoArtha Perkasa Sukses recorded at Otoritas Jasa Keuangan (OJK) Inovasi Keuangan Digital (IKD) as Market Aggregator with letter number S-345/MS.72/2020 dated December 29, 2020.

Here are the advantage of using OTTO:
OTTOCash is electronic money licensed from Bank Indonesia that can be used for all payment transactions in OTTO application. #BikinGampang Transactions ranging from shopping at Indomaret & Alfamart, merchants bearing the QRIS logo throughout Indonesia to paying your monthly bill, it's easier to use OTTOCash electronic money.

Want to save gold? Save at SiManis, Instant Gold Digital Investment. You can save gold starting from 0.01 gr.

Buy insurance from an insurance service provider at OTTO, the premiums are economical and the protection is optimal. Enjoy the complete protection with Asuransi Receh and MyGadget.

Need funds for your various needs? Just apply for a Tunaiku at OTTO. Safe, fast, and easy process.

Loan amount: IDR 2 million - IDR 20 million
Loan term: 6-20 months
Maximum annual interest rate (APR): 36% - 48%

Simulation of Loan Money at Tunaiku:
Loan credit: IDR 10,000,000, tenure: 12 months, loan interest: 3% per month, maintenance fee: IDR 550,000, service fee: 5% (deducted upfront).

Online loan funds are disbursed after deducting the service fee: IDR 9,500,000
Principal loan installment: IDR 822,958 per month
Loan interest: IDR 10,000,000 x 3% = IDR 300,000 per month
Maintenance fee: IDR 550,000/12 = IDR 45,833 per month
Monthly installment: IDR 1,167,957

Total repayment cost: IDR 1,167,957 x 12 = IDR 14,015,484

Point Rewards
Collect points from your transactions and exchange for many rewards. It's all in the OttoPoint feature. You can also make a split payment between your OttoCash and OttoPoint balances.

Download OTTO now, to #BikinGampang (Make it Easy) to manage your finances

For any inquiries, please contact:
Customer Service : (021) 5060 9500

Operational hour
Mon – Fri : 08 AM - 08 PM
Sat : 08 AM – 06 PM

Head Office
PT IndoArtha Perkasa Sukses
Jl. Prof. DR. Soepomo No.2 Unit 104, RT.10/RW.15, Menteng Dalam, Tebet, South Jakarta City, Jakarta 12870
Updated on
Dec 3, 2023

Data safety

Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. The developer provided this information and may update it over time.
This app may share these data types with third parties
Location, Personal info and 7 others
No data collected
Learn more about how developers declare collection
Data isn’t encrypted
You can request that data be deleted

Ratings and reviews

21.2K reviews
A Google user
July 21, 2019
need more improvement, i am in a hurry when your sales ask me to download it so i just input simple name... however after the registration process is completed, i cannot change my account information... so i cannot fix my name into my real name or my phone into my business phone.
39 people found this review helpful
PT. IndoArtha Perkasa Sukses
July 23, 2019
Hi Furo, Terimakasih telah download aplikasi PEDE. Jika ada kendala atau pertanyaan dapat diinformasikan via email ke atau hubungi kami di nomor 02150609500 agar segera kami tindaklanjuti.
April 21, 2021
Wanna buy gadget insurance, but there's no detail about it. Only 'manfaat' appears on the screen. But terms and conditions and claim procedure not displayed on the screen. Please fix it.
16 people found this review helpful
PT. IndoArtha Perkasa Sukses
April 22, 2021
Hi Kak Chandra We apologize for this. Please send us your concern at email: along with the screenshot of the error you receive. This will be handled with utmost priority.
Rufus Iman Teguh
March 8, 2021
Unable to complete transactions even after verified upgrade to ottocash plus. This app also doesn't allow you to withdraw your money to bank account.
16 people found this review helpful
PT. IndoArtha Perkasa Sukses
March 8, 2021
Hi Kak Rufus We are sorry for the inconvenience caused. Kindly share you concern along with the eror screenshot at email ke for further assistance.

What's new

LATEST! Pay Your Bills + Home Insurance in One Transaction.

Get home protection with affordable premiums through easy and instant purchase when paying electricity, water, and phone bills within the OTTO app.

Also, check out the new look of the water bill payment feature with various provider options. Check OTTO version 6.6.2 now!

App support