Reku Crypto Exchange Review 2025: Fees, Security & Trading Features

Looking for a crypto exchange that blends Indonesian regulation with US stock access? This Reku review breaks down everything you need to know before you deposit a single rupiah.

What is Reku?

Reku is a regulated Indonesian cryptocurrency exchange and investment app that also lets users trade US stocks and ETFs. The platform, formerly known as Rekeningku, is officially registered with BAPPEBTI (Badan Pengawas Perdagangan Berjangka Komoditi) and supervised by OJK (Otoritas Jasa Keuangan). It targets retail investors who prefer to start with as little as IDR 5,000 (about $0.33) and want a single app for both crypto and equity markets.

Regulatory Backbone

Indonesia’s crypto landscape is tightly overseen, and Reku’s dual licensing gives it a credibility edge. BAPPEBTI approval means the exchange meets commodity‑future trading standards, while OJK supervision ties it to the country’s broader financial regulator. For users, this translates into mandatory KYC that typically finishes in under five minutes, and an institutional‑grade custody solution powered by Fireblocks. The combination of local licensing and Fireblocks’ cold‑storage service helps keep user funds insulated from typical exchange hacks.

Asset Coverage - Crypto Meets Stocks

Reku lists more than 150 cryptocurrencies, ranging from the giants Bitcoin (BTC) and Ethereum (ETH) to newer tokens like Arbitrum (ARB) and Shiba Inu (SHIB). On the equity side, the platform offers over 600 US stocks and ETFs, including Apple (AAPL), Nvidia (NVDA), Tesla (TSLA) and Google (GOOG). The “overnight” trading feature lets users place equity orders 24 hours a day, five days a week, with free IDR‑USD conversion for stock trades.

Trading Modes & Fee Structure

Reku splits its interface into two distinct modes:

• Lightning Mode - a beginner‑friendly experience that executes trades instantly with a 0 % fee on crypto purchases.
• Pro Mode - a more advanced suite offering charting tools, limit orders and futures. Here the fee is 0.1 % per transaction for spot trades and the same rate for crypto futures (up to 25x leverage).

Equity trades carry a flat 0.25 % fee, rivaling the best‑in‑class local brokers. Compared with global giants that often charge 0.1 % on both sides, Reku’s fee model is competitive within Indonesia, especially thanks to the zero‑fee entry tier.

Deposits, Withdrawals & Payment Options

Because the platform is tied to the Indonesian financial system, deposits must be made in IDR through local banks (Permata, BRI, Bank Sampoerna) or e‑wallets (OVO, DANA, Shopee Pay, LinkAja). Minimum deposit is IDR 10,000. The lack of international credit‑card support means non‑Indonesian residents face a hard barrier - they cannot fund the account without a local bank account.

Security Architecture

Security is often the deciding factor for crypto platforms, and Reku leans heavily on layered defenses:

• Mandatory two‑factor authentication (2FA) plus optional biometric login.
• Cold‑storage of the majority of user assets via Fireblocks.
• ISO 27001 certification, confirming a robust information‑security management system.
• End‑to‑end encryption for data in transit and at rest.

Since its launch, Reku has not reported any major security breaches, and user‑reported incidents are typically phishing attempts that the platform warns against in its onboarding material.

User Experience & Support

The mobile app, available on Google Play, averages a 3.9‑star rating. Users appreciate the swift KYC, the 24/7 human‑staffed support, and the ability to switch between crypto and stocks seamlessly. Common complaints focus on two areas:

• Limited payment methods for non‑Indonesian users.
• Occasional lag during peak market spikes, especially on the Pro Mode charts.

Overall sentiment leans positive, with many Indonesian traders citing regulatory compliance as the biggest trust builder.

How Reku Stacks Up - Comparison Table

Pros, Cons & Bottom Line

Pros

• Full regulatory licensing in Indonesia.
• Zero‑fee entry mode for new crypto buyers.
• Integrated US stock & ETF trading in one app.
• Robust security via Fireblocks and ISO 27001.
• Low minimum deposit (IDR 5,000).

Cons

• Only Indonesian payment methods - non‑locals can’t fund accounts.
• Fewer crypto assets than global exchanges.
• App performance can lag during extreme market volatility.

If you are an Indonesian investor seeking a regulated environment that also lets you dip into US equities, Reku is a solid pick. International traders, however, will likely look elsewhere because of the payment restrictions.

Frequently Asked Questions