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Indonesia · Money TransfersFlip
Transfer money between Indonesian banks for free, or send money abroad to 60+ countries, through Flip, an Indonesian fintech licensed by Bank Indonesia.
What it helps with
- Free transfers between banksFlip sends money between different Indonesian banks without the usual interbank fee.
- Sending money abroadFlip Globe sends rupiah abroad to more than 60 countries.
- Bills and e-wallet top-upsElectricity tokens, credit and e-wallet top-ups can be paid in the app.
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.
Before you use it
- Sign-up: You need an Indonesian bank account; international transfers require identity verification.
- Good to know: Check the account holder name shown before confirming; a sent transfer cannot be cancelled.
Local ID needed
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Frequently Asked Questions
- Does Flip work with a foreign bank card in Indonesia?
- Not reliably - a foreign card may be declined. Check the notice above, or plan to use a local payment method.
- Is Flip available in English?
- Not officially - the interface is mainly in the local language.
- Do I need a local phone number to use Flip?
- No, an international phone number generally works for Flip.
- Do I need local ID or residency for Flip?
- Yes, Flip requires local ID or residency status.
- Where can I use Flip?
- iOS · Android · Web
- How much does Flip cost?
- Free transfers between Indonesian banks; international transfer fee shown before sending
