Download DANA APK 2.79.0 Free for Android

Introduction: What Is DANA Digital Wallet?

DANA APK is a top digital wallet in Indonesia. It is available as an Android application package (APK) and supports iOS devices as well. Developed by PT Espay Debit Indonesia Koe, DANA gives users a way to manage everyday money simply and securely. With DANA, you can pay in shops, make money transfers, pay bills, and keep track of your finances all from your phone. The app is under the supervision of Bank Indonesia and Kominfo, ensuring regulatory oversight.

What is DANA digital wallet and how does it work?

DANA is an app that lets you make cashless payments, send money to friends or bank accounts, pay recurring bills, and even invest in gold. You add money to your DANA account, then use it for daily spending or saving. Every transaction is recorded in-app, and the wallet follows national standards for digital finance.

Core Features and Integrated Functionality of DANA APK

The DANA APK brings powerful, official features to every Android phone. It combines convenience and digital security in one platform, designed for Indonesia’s cashless economy.

QRIS Payment Capability

With DANA, you pay at shops by scanning a QRIS code. This national standard makes DANA accepted at many merchants, both large and small. Users just open the app, scan the QR code on display, confirm the amount, and the payment goes through in seconds. There is no need to carry cash or swipe cards.

Money Transfers (P2P & Bank Transfers)

DANA enables easy money transfers. You can send money to other DANA users instantly or transfer funds straight to Indonesian banks like BCA, BNI, BRI, and Mandiri. Both banked and unbanked users enjoy fast and reliable access to their funds through their phones.

Linked Bank Cards and Balance Management

You can link your bank cards to DANA for seamless payments. It is also simple to top up your DANA balance from these cards or supported bank accounts. Where allowed, withdrawing money from your DANA balance back to your bank account is possible as well.

Bill Payments & Mobile Recharge

DANA supports payments for many types of utilities and subscriptions, including electricity, water, internet, TV, and mobile credit. You can pay one-time bills or set up automated payments in seconds.

E-Wallet Top-Ups & Financial Interoperability

DANA acts as a hub, letting you transfer funds to and from other e-wallets in Indonesia, such as GoPay, OVO, and ShopeePay. This interoperability gives you freedom to move money where you need it.

eMAS Gold Investment Feature

DANA’s eMAS lets users buy and sell gold directly in the app. You can start with as little as 0.01 gram, making micro-investment possible for everyone.

What are the main features of DANA APK in 2025?

For clarity, here is a concise table of DANA’s top official features:

Using DANA: User Experience, Interface, and Accessibility

DANA has a clear, blue-and-white design. Icons guide you through every function. The app works for all types of users, from the digitally savvy to first-timers in cashless finance.

Visual Design and Navigation

The menu is icon-driven and uncluttered. Common actions—pay, send, top up, invest—are on the main screen. Users can find what they need in a few taps.

Everyday Use Scenarios

With DANA, real-world spending is direct:

• To pay in a shop, open the app, tap “Pay,” scan the QR code, and confirm.
• To send money, select “Transfer,” enter the name or bank info, type the amount, and send.
• For bills, choose “Pay Bills,” pick the service (electricity, water, etc.), enter your customer number, and pay.
• Recharging your mobile? Tap “Mobile Recharge,” choose the amount, and finish in seconds.
• Want to invest? Use eMAS to buy a small amount of gold right from the dashboard.

Who Uses DANA? Target Demographic and Inclusion Focus

DANA serves city dwellers who use digital payments daily and rural communities gaining digital finance access. Its mission is financial inclusion—giving everyone, banked or not, a way to join Indonesia’s cashless payment system.

Security, Regulation, and User Trust in DANA

Regulatory Oversight and Compliance

DANA operates under the license and supervision of Bank Indonesia and Kominfo. This ensures it follows strict regulatory and financial standards. Users can trust they are using an official, compliant app.

Security Features for Mobile Transactions

The app requires a personalized PIN for each transaction. Data are encrypted, and cards added to the wallet are protected by security layers. Transactions occur in rupiah (IDR), and only verified accounts can access some services. DANA updates regularly to patch risks and strengthen protection.

DANA APK Versions and Update Evolution

Recent Version Highlights and Update Patterns

DANA APK updates frequently. New versions often bring compatibility improvements, faster loading, and minor bug fixes. In 2025, updates have included better QRIS support, new bank partnerships, more billers, and gold investment enhancements.

Notable Changes and Feature Evolution

User feedback helps guide DANA’s updates. The app has grown from simple payment to include gold investment (eMAS), more top-up methods, and wider e-wallet interoperability. Users can always review “What’s New” notes within the official app store listing to see changes before updating.

DANA in Context: Comparison with Other Indonesian E-Wallets

Unique Value Sets and Interoperability

DANA stands out with:

• eMAS gold investment (unique for micro-transactions)
• Broad QRIS support at merchants
• Native interoperability with GoPay, OVO, and ShopeePay
• Emphasis on financial inclusion and regulatory clarity

Quick Comparison with Other E-Wallets

• DANA: QRIS, P2P, bank transfer, bill pay, eMAS, e-wallet hub
• GoPay/OVO/ShopeePay: QRIS, P2P, bill pay, limited micro-investment

Who Should Choose DANA?

DANA suits users wanting all-in-one digital payment tools, those needing to move money between banked and unbanked users, and anyone looking for broad merchant coverage. Urban professionals, students, and rural residents all benefit from DANA’s inclusive features.

Conclusion: Why DANA APK Stands Out in Indonesia’s Digital Finance Landscape

DANA APK merges secure payments, money transfers, utility bill management, and simple investment into a single digital wallet. It is officially regulated, user-friendly, and designed for Indonesia’s move towards cashless financial services. Whether you are registering your first digital wallet or comparing e-wallets, DANA offers reliability, broad access, and a trustworthy track record in Indonesia’s fast-growing financial technology sector.