# LinkAja / LinkAja Syariah — Buy, Pay, Loan and Invest

> All-in-one digital wallet for payments, loans, and investments. (iPhone/iPad app by PT. FINTEK KARYA NUSANTARA.)

- Source: https://appshunter.io/ios/app/linkaja-linkaja-syariah/id984436451 (this page in markdown: same URL + `.md`)
- Developer: [PT. FINTEK KARYA NUSANTARA](https://appshunter.io/developer/1470353405)
- Category: Finance, Business
- Price: Free
- Rating: 3.22/5 from 208 App Store ratings · 78 written reviews indexed
- Age rating: 4+
- Requires: iOS 14.0 · 178 MB
- Languages: English, Indonesian
- Released: 2015-04-24
- Data updated: 2026-07-05
- Monetization: free with in-app purchases
- User reviews in markdown: https://appshunter.io/ios/app/linkaja-linkaja-syariah/id984436451/reviews.md

## What is LinkAja / LinkAja Syariah?

E-Wallet app that’s ready to help you handle all your daily needs. 
Pay or scan anytime, anywhere, so you can enjoy peace of mind. 
Upgrade to Full Service to unlock more features and enjoy a higher balance limit. Once you top up your LinkAja balance, here’s what you can do: 

Buy mobile credit & data packages (complete providers and package options) 
Pay bills: electricity, water, phone, internet, credit cards, multifinance, education, property, taxes, and more 
Shop online & pay at selected merchants 
Send money to other users or transfer to bank accounts 
Cardless cash withdrawal 
Top up other e-wallets 
Purchase electricity tokens & pay for various digital services 
Save money and manage your finances more easily 
Pay for transportation and fuel 
Also available: LinkAja Syariah service, for users who prefer transactions aligned with Sharia principles secure, transparent, and convenient. 

Whatever you need today, tomorrow, or next month... 
Tenang, Ada LinkAja! #SemuaBeres

## Key features

- Utility bill payments
- Online shopping payments
- Transportation fare payments
- Loan applications
- Investment options
- Balance transfers
- Sharia-compliant transactions

## What do users think of LinkAja / LinkAja Syariah?

Overall sentiment: negative

**Pros**

- 🚀 Fast and convenient transactions under 1 minute
- 💳 Wide range of payment options (pulsa, data, bills, tickets)
- 💰 Attractive cashback and promotional offers
- 👍 User-friendly interface and easy to use
- 🏪 Supports multiple services (e-toll, KRL, PLN, Pertamina, etc.)
- 📱 Convenient alternative to visiting physical locations

**Cons**

- 🐛 Frequent crashes and force closures
- ❌ Failed transactions with balance deducted
- 🔐 Difficult payment method addition and KTP requirements
- 📞 Poor customer support and slow response times
- ⚠️ Compatibility issues with iOS versions
- 🚫 Limited to local Indonesian mobile numbers and Bank Indonesia cards
- 💸 Inconsistent pricing compared to competitors
- 🔄 Frequent logout issues
- ⏳ Slow loading and unresponsive features
- 🎯 Misleading promotions that disappear after funding

**Commonly reported bugs**

- App crashes on startup and during transactions
- iOS 13, iOS 16 compatibility issues
- Force close after PIN input during login
- Missing continue/next button after OTP entry
- App freezes with data tracking feature on iPhone
- Repeated verification requests on each app launch
- Balance deduction despite failed transaction status
- Top-up via internet banking and ATM failures
- Promotion loading infinitely without opening
- SMS OTP codes not arriving
- Screen resolution display issues after upgrade from T-Cash

**Most requested features**

- NFC-enabled features for e-money top-up
- Visa/Mastercard support for foreign visitors
- Donation/charity features (like original T-Cash)
- Better insurance payment options
- Expanded TV and internet provider support
- Improved account closure process

## Recent user reviews (10 of 78)

All indexed reviews: https://appshunter.io/ios/app/linkaja-linkaja-syariah/id984436451/reviews.md

### 1/5 — can't add payment method

*2026-01-24, version 4.43.0*

trying to add a payment methods results in a failure, also requires ktp

### 3/5 — Need NFC enabled features activated

*2023-07-25, version 4.31.1*

Seperti untuk top up e-money. Gak enak banget harus update saldo ke ATM.

### 1/5 — aplikasi sampah

*2023-06-22, version 4.30.1*

mau nutup akun pake ngisi formulis bener2 aplikasi sampah

### 1/5 — No way to contact

*2023-03-06, version 4.30.1*

It is so difficult to contact the company, be it through email, chat, phone, or social media. Live chat has no responders, which the company claims to be the best place to communicate.

### 3/5 — Gagal masuk setelah upgrade ke IOS 16.0 IPhone 13 pro Max

*2022-09-19, version 4.27.0*

Ada message Sorry we are unable to process your request, Please try in a few minutes

### 1/5 — Locals only unfortunately

*2022-08-15*

You cannot add any credit unless you have a local mobile number and a bank of Indonesia credit card. So as a foreigner visiting it does not work. Please add visa or Mastercard so a foreigner can use it in Indonesia.

### 1/5 — What to say...

*2022-07-04, version 4.25.1*

This app is giving me a hard time. I needed this to be linked with mypertamina app, but I cannot even pass the registration page.
It keeps telling me to ‘try again’ after several minutes.
What can I say?

### 1/5 — Failed payment

*2021-08-03, version 4.18.0*

Saya bayar PBB kota Depok dan ternyata status “Failed”, tapi saldo berkurang dan sedihnya harus telp 150911 untuk buatkan tiket pengaduan. Seharusnya sistem backend mencegah pendebitan terjadi jika status “Failed”. Sedihnya kata CS staff bisa makan waktu 3x24 jam untuk penyelesaian ini. Wow.

### 1/5 — New data tracking feature

*2021-05-20, version 4.17.0*

It seems as though there is little or no testing of features across devices.  This data / app tracking feature which is a forced pop up at app launch does not work with iPhones. If you deny access the app freezes.  If you accept it takes you to settings with no instruction of what to turn on.  I turned on everything and nothing happened.  Still locked out.  This is why you should only trust private companies to develop apps like this.  If you have an iPhone I suggest you stay clear.

### 5/5 — Rekomendasi app

*2021-03-17, version 4.16.0*

Aplikasi ini sangat membantu saya untuk beli token listrik, mantap

## Frequently asked questions about LinkAja / LinkAja Syariah

### What can I pay for with this app?

You can pay for a vast array of services including utilities like PLN and PDAM, transportation like Gojek and Grab, online shopping from Tokopedia and Bukalapak, insurance like BPJS, and even invest in mutual funds or gold. It covers most daily transaction needs.

### What are the key features of the app?

Key features include paying various bills, purchasing data packages, making online purchases, booking tickets, paying for transportation, applying for loans, making investments, and transferring balances. It also offers a Sharia-compliant version for specific user preferences.

### Is this app free to use?

The application is free to download and use for basic payment functions. While the core service is free, there may be associated costs for specific financial services like loans or investments, and potential transaction fees depending on the service provider.

### What is the Sharia version of the app?

The Layanan Syariah, or Sharia service, within the app allows users to make transactions that are compliant with Islamic principles. This ensures that users who adhere to Sharia law can use the app with confidence for their financial needs.

### How can I top up my balance?

You can top up your LinkAja balance through various methods, including ATMs of major banks like Mandiri, BNI, and BRI, as well as through partners like Alfamart, Indomaret, and Circle K. It also supports top-ups via online banking and other LinkAja partners.

## Version history (last 5 releases)

### 4.45.0 — 2026-06-18

A quick tap, a brighter day,
Transactions now are on their way.
With Face ID and fingerprint too,
Fast and secure, just for you.

Fresh new icons, clear to see,
Making navigation easy and free.
Special Deals are here to stay,
Update now and save today!

### 4.44.0 — 2026-04-14

We’re continuously making improvements,
so your experience feels even better.

Features you’ve been using are now more refined,
so everything works more smoothly.

We’ve also made various fixes behind the scenes,
to keep things stable and reliable.

Update now,
and enjoy a better LinkAja experience!

### 4.43.0 — 2025-10-13

New inbox makes you instantly happy
Messages are neat, scrolling feels easy
Notifications look cooler than ever
Important info now looks much clearer

Email OTP is no more drama
If there’s an error, just follow the steps
No more stress, no more hassle
Everything runs smoothly, no fuss

The Top-up & Data page now feels fresh
Buying is easier, with more choices ready
Transactions smooth, your day feels bright
Update LinkAja now, life’s even better!

### 4.42.0 — 2025-08-13

Not magic, not a trick
Signing up for LinkAja is now super smooth!
No drama, no hassle
In just a snap, you’re ready to go!

Curious where your account is connected?
Check it instantly, no more guessing
Everything’s crystal clear
Right in the Linked Apps feature!

Want to top-up phone credit or data?
We’ve got plenty of promos waiting
Keeping your wallet safe and your heart happy
Update LinkAja now, let’s have fun together!

### 4.41.0 — 2025-07-17

Feeling down?
Don’t panic or get confused!

LinkAja’s Help Center is here to help,
No need to feel sad anymore.
Track your complaint right from the app,
So you can stay happy every day.

We’re ready to ease your worries,
Update LinkAja now, and say goodbye to blues!

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-07-05.*