💸 Money Transfer

International transfers at the real exchange rate, with the fee shown before you send — a reliable option for moving money between Indonesia and abroad. About Wise: Wise (formerly TransferWise) is an international money transfer service known for using the real mid-market exchange rate rather than adding a hidden markup, showing the exact fee upfront before you commit to a transfer. Key Features: Real Exchange Rate: Uses the actual mid-market rate, not an inflated rate with a hidden margin. Upfront Fee Display: See exactly what you'll pay and what the recipient will get before sending. Multi-Currency Support: Send and hold money in multiple currencies through one account. Fast Transfers: Many transfers complete within a day or two, sometimes faster. How to Get Started: Create a Wise account online or through the app. Verify your identity as required for international transfers. Enter the transfer amount and destination to see the exact fee and exchange rate. Send the transfer and track its progress until the recipient receives funds. Important Notice: While Wise is reliable for many corridors, always double-check current transfer times and any limits specific to sending money to or from Indonesia, as these can change.

Transfers designed with migrant workers in mind, offering bank deposit options for recipients receiving money from Indonesia. About Remitly: Remitly is an international money transfer service built specifically with migrant workers and their families in mind, offering fast bank deposit delivery options for recipients receiving transfers sent from Indonesia. Key Features: Bank Deposit Option: Direct deposit into a recipient's bank account in supported destination countries. Speed Options: Choose between faster transfers at a higher fee or slower economy transfers. Mobile-First Design: The app is built primarily for sending money from a phone, convenient for regular remittances. Transparent Pricing: Fees and exchange rates are shown clearly before you commit to a transfer. How to Get Started: Download the Remitly app or visit their website. Create an account and verify your identity. Choose the transfer speed and delivery method for your recipient. Complete the transfer and track its progress. Important Notice: Fees and exchange rates vary based on the speed option chosen, current promotions and destination country — compare the total cost against Wise and Western Union before committing to one for regular use.

The widest cash-pickup network in the world — useful for sending money from Indonesia to recipients without a bank account elsewhere. About Western Union: Western Union is one of the longest-established international money transfer services, known especially for its extensive cash pickup network, letting recipients collect funds abroad without needing a bank account. Key Features: Extensive Pickup Network: One of the widest networks of physical pickup locations globally. No Bank Account Needed for Recipients: Recipients can collect cash directly, useful where banking access is limited in the destination country. Online and In-Person Sending: Send transfers from Indonesia either through the app/website or at a physical Western Union location. Established Trust: A long operating history gives it wide recognition and trust across generations of users. How to Get Started: Send a transfer either online through the Western Union app/website or at a physical location in Indonesia. Provide the recipient's exact name as it appears on their ID. Complete the transfer and note the reference number (MTCN). Share the MTCN with the recipient so they can collect the funds at an agent location. Important Notice: Fees for cash pickup transfers can be higher than some digital-only alternatives — compare costs if the recipient does have a bank account and a digital option would work instead.

Transfer money between Indonesian banks for free, or send money abroad to 60+ countries, through Flip, an Indonesian fintech licensed by Bank Indonesia. About Flip: Flip is an Indonesian financial technology company founded in 2015, built around a simple frustration: interbank transfer fees in Indonesia used to eat into every transaction. It started as a free interbank money-transfer app connecting over 100 Indonesian banks, then expanded into e-wallet top-ups, bill payments and — through its Flip Globe product — international remittances, now covering more than 60 destination countries. Flip is licensed and regulated by Bank Indonesia, and in 2025 partnered with Wise's payment infrastructure to strengthen Flip Globe's international transfer backend. Key Features: Free Domestic Interbank Transfers: Move money between more than 100 Indonesian banks without the fees a direct bank transfer would normally charge. International Remittance (Flip Globe): Send money to 60+ countries with transparent, upfront fees and an on-time delivery guarantee, with refunded admin fees if a transfer arrives late. E-Wallet Top-Ups and Bill Payments: Top up mobile credit, data packages and e-wallets, or pay electricity and cable bills, from the same app. Real-Time Transaction Tracking: Track a transfer's status from send to receipt, including international transfers. How to Get Started: Download the Flip app and create an account. Choose the transaction type — domestic transfer, international transfer (Flip Globe), top-up or bill payment. Enter the recipient's details and the amount to send. Confirm and complete the transaction, then track its status in the app. Important Notice: Flip Globe's international coverage (60+ countries) is broader than many competitors but still not universal — check that your specific destination country is supported before relying on it for a particular transfer.