How to Make E-Money for Personal and Custom Use

E-money (electronic money) has become a payment method that is almost always used in daily activities—from public transportation, parking, toll roads, to shopping at various merchants. Not only for personal use, e-money is also increasingly popular as a custom souvenir for office events, seminars, and corporate merchandise because it is practical and highly functional.

This article will discuss how to make e-money through various official and proven methods, ranging from banks, e-commerce platforms, to retail merchants. At the end of the article, you will also find a solution for creating custom e-money with your brand logo for business needs and corporate gifts.

What Is E-Money?

Example of custom e-money for corporate merchandise. | Credit: Studiokado

E-money is an electronic payment instrument in the form of a card or digital medium that stores monetary value and is used for cashless transactions. In Indonesia, e-money is issued by banks and official institutions licensed by Bank Indonesia, such as Mandiri e-Money, BCA Flazz, BRI Brizzi, and BNI TapCash.

How to Make E-Money Through a Bank (Official & Most Common)

Getting e-money through a bank is the safest and most widely used method.

General steps:

• Visit a branch office of the issuing bank (Mandiri, BCA, BNI, or BRI).

• Take a queue number for customer service or the teller.

• Inform them that you want to purchase an e-money card.

• Make the payment (usually starting from IDR 25,000–50,000 depending on the bank).

• The e-money card will be activated immediately and ready to use.
   

Advantages of this method:

• Official and trustworthy

• Can be used immediately

• Suitable for personal use as well as bulk needs
   

How to Make E-Money Through E-Commerce (Practical & Fast)

Currently, almost all major e-commerce platforms provide official e-money sales.

Steps:

• Open a marketplace such as Tokopedia, Shopee, or Blibli.

• Search for “e-money” products from the bank’s official store.

• Choose the type of e-money and the initial balance amount.

• Proceed to checkout and payment.

• The e-money card will be delivered to your address like any other physical product.
   

Important note:

Make sure to purchase from an official store to ensure the card is authentic and the balance is guaranteed.

How to Make E-Money at Retail Merchants (Indomaret, Alfamart, etc.)

Some minimarkets also provide e-money services.

Steps:

• Visit an Indomaret or Alfamart that offers e-money services.

• Ask about the availability of e-money cards.

• Make the payment at the cashier.

• The card can be used immediately.
   

This method is suitable if you need e-money quickly without going to a bank.

How to Make E-Money for Custom Needs (Event & Corporate)

If your goal is not just personal use, but for souvenirs, merchandise, or company gifts, then custom e-money is the best option.

The usual process includes:

• Determine the type of e-money (Mandiri, BCA, BNI, etc.).

• Prepare the logo or branding design.

• Decide the number of cards and the initial balance amount.

• Production is handled through an official vendor that cooperates with the e-money issuer.
   

Custom e-money is widely used for:

• Seminar & workshop souvenirs

• Corporate gifts

• Brand launching events

• Company merchandise
   

How to Top Up E-Money (Add Balance)

After you have an e-money card, the balance can be topped up in several ways:

1. Top Up via ATM

• Insert your ATM card

• Select the e-money menu

• Tap the e-money card

• Enter the top-up amount
   

2. Top Up via Mobile Banking

• Open the mobile banking application

• Select the e-money / top-up menu

• Tap the card on your phone (NFC)

• Confirm the balance
   

3. Top Up at Retail Merchants

• Visit a minimarket

• Hand your e-money card to the cashier

• State the top-up amount

• The balance will be added instantly
   

Tips to Keep Your E-Money Safe & Durable

• Store the card in a safe place (avoid bending it)

• Keep it away from strong magnets

• Check your balance regularly

• Use your phone’s NFC to update the balance after online top-ups
   

Want to Create Custom E-Money with Your Brand Logo?

Example of custom e-money for corporate merchandise. | Credit: Studiokado

If you want to create custom e-money for corporate merchandise, office souvenirs, or company events, Studiokado is ready to help you from start to finish. From selecting the type of e-money, designing the logo, to neat and professional packaging.

Advantages of custom e-money from Studiokado:

• Customizable logo & brand design

• Suitable for corporate gifts & events

• Practical, useful, and high in value

• Handled by an experienced team
   

Create corporate merchandise that are not only visually appealing, but also used every day. Let’s bring your brand identity to life through custom e-money with Studiokado ✨

Read Also:

• What Is Merchandise

• Exclusive Office Souvenir Ideas

• Affordable Yet Luxurious Souvenir Ideas