DANA

DANA is operated by PT Espay Debit Indonesia Koe (DANA, joint venture between EMTEK and Ant Group), headquartered in Jakarta, Indonesia (privately held (EMTEK / Ant Group joint venture); ~155M+ users reported). The product launched in 2018 and Indonesia's leading e-wallet competing with GoPay, OVO and ShopeePay. This 2026 review covers operator context, the current tier ladder, the feature set that matters for buyers and the live signals to watch before subscribing.

Quick facts

• Operator: PT Espay Debit Indonesia Koe (DANA, joint venture between EMTEK and Ant Group)
• Headquarters: Jakarta, Indonesia
• Public-market status: privately held (EMTEK / Ant Group joint venture); ~155M+ users reported
• Founded: 2018
• Category: banking & payments
• Current tiers: Free DANA / DANA Premium / DANA Bisnis
• Anchor price (2026): basic e-wallet
• Competitive set: competing with GoPay, OVO and ShopeePay in Indonesian e-wallets

What is DANA?

DANA is Indonesia's leading e-wallet competing with GoPay, OVO and ShopeePay. The product is competing with GoPay, OVO and ShopeePay in Indonesian e-wallets. Customers buy a tier that matches their usage profile — the entry tier handles QRIS payments at millions of Indonesian merchants, while the mid and premium tiers add depth such as peer-to-peer transfers via phone number and bill payments (PLN, BPJS, telco). Subscription billing happens through the operator's checkout or partner billing surfaces (App Store / Google Play / direct card on file).

Why choose DANA

Operator and market position

PT Espay Debit Indonesia Koe (DANA, joint venture between EMTEK and Ant Group) runs DANA from Jakarta, Indonesia. Its public-market status (privately held (EMTEK / Ant Group joint venture); ~155M+ users reported) and category position (competing with GoPay, OVO and ShopeePay in Indonesian e-wallets) shape the credibility of the operator's roadmap and pricing decisions. Buyers should weigh that operator context alongside headline features — a well-capitalised parent typically translates into faster bug fixes, longer support cycles and more predictable price changes than a smaller indie operator.

Account features and tier ladder

The DANA tier ladder runs Free DANA, DANA Premium, DANA Bisnis. Anchor pricing in 2026 starts around basic e-wallet for the entry tier and steps up by tier with named feature unlocks. Confirm the live regional price on the operator's site, then cross-check Subger's true-price tracker for DANA for the all-in renewal cost after taxes and FX conversion.

Apps and customer experience

Apps and customer-experience surfaces matter as much as headline feature counts. DANA delivers its core workflow across the platform surfaces listed in the platform table below, with notifications and self-service flows handled in-app. The 2025-2026 differentiator to watch: 2024-2026 deepening of QRIS coverage and integration of DANA Goals with banking partners.

DANA features that matter in 2026

Current feature set that buyers should weigh:

• QRIS payments at millions of Indonesian merchants
• peer-to-peer transfers via phone number
• bill payments (PLN, BPJS, telco)
• DANA Pulsa for prepaid top-up
• DANA Goals savings with partner banks
• integration with Tokopedia, Bukalapak and Lazada checkout

Feature availability varies by region and tier; the headline list above reflects the operator's primary market positioning. Confirm specific regional availability on the operator's marketing pages before committing.

DANA pricing in 2026

The DANA tier ladder in 2026 looks like:

Headline prices step up across the ladder; promotional first-period anchors and regional FX can change the all-in cost. Subger's tools reconcile the list price with the actual renewal cost:

DANA apps and platform support

Surface availability can vary by region and tier; confirm current app availability and supported devices on the operator's site before subscribing.

Who DANA fits

DANA is most likely a good match for the following buyers:

• Indonesian consumers who want a high-coverage e-wallet for everyday payments and bill pay — the core target audience for the product.
• Category-focused subscribers who specifically want QRIS payments at millions of Indonesian merchants from competing with GoPay, OVO and ShopeePay in Indonesian e-wallets rather than a generalist platform.
• Tier-comparing households evaluating the Free DANA → DANA Bisnis ladder and willing to pay up for DANA Pulsa for prepaid top-up.
• Cross-device users who need apps across mobile, web and any operator-specific surfaces in the table above.
• Price-sensitive shoppers who want to track promotional anchors via Subger's true-price tracker and deals page before committing to annual billing.

Frequently asked questions

Who runs DANA and where is it based?

DANA is run by PT Espay Debit Indonesia Koe (DANA, joint venture between EMTEK and Ant Group), headquartered in Jakarta, Indonesia. The operator's public-market status is: privately held (EMTEK / Ant Group joint venture); ~155M+ users reported. The product was founded in 2018.

How much does DANA cost in 2026?

The 2026 tier ladder is Free DANA, DANA Premium, DANA Bisnis, with anchor pricing starting around basic e-wallet. Regional currency and promotional cycles can shift the all-in cost; Subger's true-price tracker reconciles the headline price with renewal reality.

Is there a free tier or free trial for DANA?

Yes — the Free DANA tier is positioned as an entry option without an immediate paid commitment.

Where is DANA available?

Availability follows the operator's licensing and service footprint from Jakarta, Indonesia. Confirm regional availability on the official site before subscribing.

What 2025-2026 features set DANA apart right now?

The live differentiator to watch: 2024-2026 deepening of QRIS coverage and integration of DANA Goals with banking partners. Pair that with the headline features (QRIS payments at millions of Indonesian merchants, peer-to-peer transfers via phone number, bill payments (PLN, BPJS, telco)) to judge whether the current roadmap fits your needs.

Which competitors should buyers compare DANA against?

DANA is most directly competing with GoPay, OVO and ShopeePay in Indonesian e-wallets. Run a side-by-side feature and price comparison with those alternatives — Subger's category pages help with the shortlist.

How do I cancel DANA?

Cancel through the account or subscription settings on the surface where you bought the plan: the operator's website for direct subscriptions, the App Store or Google Play for in-app purchases, or the partner billing portal for bundled subscriptions. Subger's cancellation guide for DANA walks through each route step-by-step.

Does DANA offer a family or multi-user plan?

Multi-user, family or seat structure depends on the tier. Higher tiers commonly add multi-profile or multi-device support; entry tiers can restrict simultaneous usage. Confirm the per-tier seat limit on the live pricing page before committing.

How can I track price changes for DANA?

Subger's renewal tracker for DANA records list-price changes plus promotional anchors over time. Pair it with the deals page for current discount codes and the promo codes page for stackable savings at signup.

Get started with DANA

Confirm the current regional price on the PT Espay Debit Indonesia Koe (DANA, joint venture between EMTEK and Ant Group) signup page, choose the tier that matches your usage (Free DANA or DANA Premium are the most common starting points), and check Subger's deals page for DANA for promotional anchors before completing checkout. Track the subscription's true renewal cost with the true-price tracker once you're signed up.

Related Subger guides

• Cancel DANA guide
• Latest DANA deals
• DANA promo codes
• DANA true price and renewal tracker
• Browse the banking & payments category hub
• All services on Subger