Oy! Is a FREE Indonesian-based CHAT APP to CONNECT with your friends, family, colleague, businesses, services, organization, and many more. Oy! Lets you connect to your bank account and do transaction FOR FREE to your OY! Friends! Oy! Is the only app that give you the best experience of chatting & transaction all in one app. In oy! YOU CAN: One-on-one chat with your contacts.