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DANA deposit and withdrawal

DANA is Indonesia's largest digital wallet and the most common deposit method on shimmer. The deposit process is straightforward: after logging in, navigate to the Cashier section and select DANA. The system directs you to the DANA app or web portal, where you confirm the transfer amount (minimum our welcome offer; maximum our welcome offer per transaction). After payment, funds appear in your shimmer wallet within subject to verification on average. Withdrawal to DANA is equally fast: enter your DANA phone number, confirm the amount, and the credit posts within subject to verification. No additional fees apply on shimmer's end, though DANA's own terms may include standard transaction costs. During peak hours (08:00–22:00 Jakarta time), processing may extend to subject to verification, but instant settlements are common. DANA withdrawals are available daily without daily-limit restrictions beyond the standard our welcome offer per-account per-day cap.

OVO and GoPay usage

OVO and GoPay deposits follow a similar flow: select the wallet from the Cashier, confirm the amount, and approve the payment in your OVO or GoPay app. Deposits clear within subject to verification. Both wallets require account binding during your first deposit; shimmer's system will prompt you to link your wallet via phone number and one-time code. After binding, future deposits are one-tap. Withdrawals to OVO and GoPay also require binding confirmation; you provide your registered phone number, and the system matches it to your wallet. Processing is subject to verification. A key difference from DANA: OVO and GoPay impose stricter daily withdrawal limits (usually our welcome offer per day); shimmer respects these wallet-level caps. If you hit your wallet's limit, you can request a payout via bank transfer instead, which settles within 24 hours. KYC verification (ID photo, address) is mandatory before any withdrawal, regardless of wallet.

BCA, Mandiri, BRI, BNI virtual account

Bank virtual accounts (VA) are ideal for users who prefer traditional banking. During deposit, select your bank (BCA, Mandiri, BRI, or BNI) from the payment menu. The system generates a unique VA number tied to your shimmer account. You then transfer the desired amount from your personal bank account to that VA via ATM, mobile banking, or online banking. Confirmation is instant on business days (usually subject to verification) and within 24 hours on weekends. The VA remains active for 24 hours; any transfer within that window is auto-credited. After expiry, a new VA is issued on next login. Withdrawals return to the original bank account you linked during KYC; the system does not allow cross-account transfers for security. Processing is typically instant on business days; weekend transfers may take until the next business day. Bank VA deposits carry no shimmer fees, though your bank may charge standard transfer fees (usually our welcome offer–6,500 per transaction).

Fees, limits and verification

shimmer charges no deposit or withdrawal fees on any payment method; the platform absorbs processing costs. However, your bank or wallet provider may apply standard transaction charges (typically our welcome offer–10,000 per transfer). Minimum deposit is our welcome offer; maximum per transaction is our welcome offer; daily account cap is our welcome offer. Minimum withdrawal is our welcome offer. KYC is required before the first withdrawal: upload an ID photo (passport, national ID, or driver's license) and proof of address (utility bill, bank statement, or government letter dated within 3 months). Verification is automatic in most cases (subject to verification) but may require manual review for unusual documents or addresses, which takes 24–48 hours. Verified accounts can deposit and withdraw without additional friction. Unverified accounts can deposit but cannot withdraw; the system will prompt verification when you request a payout.

Resolving a stalled transaction

If a deposit does not credit within the expected window, first check your payment confirmation email and your bank/wallet transaction history. Most delays are at the wallet or bank end, not shimmer's system. If the wallet or bank confirms payment was sent, but your shimmer wallet shows no credit, navigate to Account → Support and open a transaction dispute ticket. Include your transaction reference number (from your wallet or bank app), the amount, and the timestamp. Our support team investigates within 2 hours during business days and escalates to our payment processor if needed. Manual credit can typically be issued within 24 hours. For withdrawals under review: withdrawals that show "Pending" status for longer than the expected window (e.g., over subject to verification for DANA) may indicate a wallet or bank issue on the receiving end. Contact our support team with your withdrawal reference, and we will trace the payment through our processor and your wallet provider. If funds are confirmed sent but stuck in your wallet, your wallet provider's support team must release them. shimmer can provide documentation proving we initiated the payout; provide that to your wallet provider's support for expedited resolution.