coki Account & Payment FAQ

Opening a coki account takes roughly five minutes. First, visit our website or download the app and tap "Create account." Enter your email address, choose a username, and set a strong password. Second, provide your phone number and verify it—we send a one-time code via SMS that you enter to confirm. Third, upload a photo of your government ID (passport or national ID card) for identity verification; our system scans it automatically and confirms your name and date of birth. Once verification passes, your account is active and you can deposit funds immediately. We perform this verification to comply with local law and prevent fraud. Most users complete these steps on their first visit; verification results arrive within hours.

We ask for your email address, a username, a password, your phone number, and a photo of your government-issued ID. The email is used for account recovery and support contact; the username is your login identifier; the password protects your account; the phone number is verified via SMS to confirm you own that number; the ID photo is scanned to verify your legal name and age. We do not ask for your home address unless you request a large withdrawal, in which case we may need to confirm where you live for banking purposes. All information is encrypted and stored securely. We do not share your data with third parties except where required by law or to process your payment transactions with our banking partners across Indonesia—from Jakarta to Surabaya, Bandung, Medan, Semarang, and Yogyakarta.

We review withdrawal requests within one business day. Once approved, the funds are sent to your bank or e-wallet—the time from there depends on your bank or payment provider, not coki. For DANA, e-wallet, mobile banking, local payment, online payment, and e-wallet, funds typically arrive within minutes to a few hours. For mobile banking, local payment, online payment, and e-wallet bank transfers, expect one to two business days depending on whether the transfer occurs during business hours and whether it is a same-day or next-day settlement. We do not charge withdrawal fees. If a withdrawal is delayed or your funds do not arrive, contact our support team with your transaction ID and we will investigate with your bank or payment provider. We may ask verification questions to prevent fraud; this is standard across the industry.

Our coki platform supports deposits starting from a low minimum (check your account dashboard for the exact floor—it varies by payment method) up to very high maximums depending on your payment provider. E-wallet methods like mobile banking, local payment, online payment, e-wallet, mobile banking, and local payment have their own transaction limits set by the provider. Bank transfers via online payment, e-wallet, mobile banking, and local payment are typically higher. There are no coki-imposed fees on deposits—your bank or e-wallet may charge a transfer fee according to their own terms, but coki takes nothing. You can deposit as often as you like, and funds appear in your coki account instantly or within minutes depending on the method. For large deposits beyond normal limits, contact support to discuss options or verify your account further.

We review withdrawal requests within one business day of submission. Once approved, the funds move to your designated bank account or e-wallet. The final arrival time depends on your bank or payment provider, not coki. If you withdraw to online payment, e-wallet, mobile banking, local payment, online payment, or e-wallet, the money typically arrives within minutes to several hours. Bank transfers to mobile banking, local payment, online payment, or e-wallet accounts take one to two business days. We apply no withdrawal fees. If you notice a withdrawal is delayed, check your email for any verification requests from us. We may ask you to confirm your identity or the destination account to prevent fraud. If funds still do not arrive after the expected window, contact our support team with your transaction ID and we will trace it with your payment provider.

Our coki sportsbook covers Liga 1 (Indonesia's top domestic league), Piala Indonesia (the national cup competition), and international tournaments including the Champions League, Premier League (England), La Liga (Spain), Serie A (Italy), Ligue 1 (France), and the AFC Champions League (Asia). We also offer MotoGP (motorcycle racing) and badminton markets. For each match or event, we display game information, match statistics, and recent form. You can place bets on match outcomes (win/draw/loss), over/under goals, both-teams-to-score, and dozens of other market types. Our odds update in real time during live matches. Beyond football, coki offers live-dealer games (blackjack, roulette, baccarat, Dragon Tiger), slot games (Aviator, Sweet Bonanza, Gates of Olympus, Fortune Tiger, Mahjong Ways), and esports markets (Mobile Legends, Free Fire, PUBG Mobile). All games and markets are available on the app and the web browser.

Our coki loyalty programme rewards active players with perks as you place more bets and deposits. When you join, you start at the entry tier. As you play, you earn loyalty points—the more you bet, the more points you accumulate. Points unlock rewards such as bonus credit, free bets, or cashback on losses. Higher tiers come with better rewards and special treatment (faster withdrawal processing, dedicated support contact, bonus multipliers on holidays like Idul Fitri or Idul Adha). Tier status resets periodically based on your activity. There is no cost to join; loyalty is automatic once you open a coki account. You can view your current tier, points balance, and available rewards in your account dashboard. Specific tier names, point values, and reward amounts change periodically, so check your account or contact support for the current structure.

We protect all personal data on coki using SSL/TLS encryption—this means information between your device and our servers is scrambled and cannot be read by third parties. Your password is stored using industry-standard hashing, so even our staff cannot see it. Your government ID photo, email, phone number, and payment method details are stored on encrypted servers with restricted access. We do not sell or share your data with third parties except where required by law (for example, if a court orders disclosure) or to process your payments through our banking partners. Our servers are located in secure data centres with physical security, backup power, and disaster-recovery systems. We conduct regular security audits to find and fix vulnerabilities. If you suspect your coki account has been compromised, change your password immediately and contact support. Enable two-factor authentication in your account settings for an extra layer of protection.

Our coki support team responds to queries within one business day. You can reach us by email or through the support contact form in your account. When you submit a query, provide your account username, the nature of your issue, and any relevant transaction IDs or dates so we can assist quickly. Most common questions about deposits, withdrawals, and account access are resolved on first contact. For complex issues—such as a disputed transaction or a large withdrawal—we may need to investigate further with our payment partners or risk team, which can take two to three business days. Our support team speaks English and replies in plain language. If you have an urgent issue outside business hours, leave a detailed message and we will prioritize your case when we return.