Last updated on June 20th, 2025 at 01:49 pm
In today’s digital world, technology has made life a whole lot easier. One of the biggest benefits is how fast and simple it is to handle transactions. Because of this, money transfer apps have become super important.
But while speed is great, it’s also essential to make sure these services are secure and affordable. So, if you're wondering which money transfer apps are most popular in Indonesia, here’s a quick rundown of the top ones!
What’s a Money Transfer App?
List of contents
A money transfer app is basically an app that lets you send money or complete financial transactions easily. It’s not just for sending cash between people; you can also use it for business payments, paying bills, and handling other financial tasks.
What Can Money Transfer Apps Do?
Money transfer apps are super handy for everyday financial transactions, replacing older methods like checks or going to the bank. Here’s a list of what they can do:
Send Money Between People
These apps make it easy to send money directly to someone—whether it’s a friend, family member, or business partner. It’s quick and simple.
Bill Payment
A lot of apps also let you pay your regular bills, like electricity, water, and phone bills. It’s a real time-saver when managing your money.
Business Payments
For businesses, these apps are great for paying suppliers, partners, or clients, speeding up financial transactions in the business world.
Top-ups and Shopping
You can also use the app to top up your balance or buy things like phone credits, vouchers, or even tickets.
Track Transactions
Most apps let you track your past transactions, so you can easily check your payment history.
Security
Security is key, so these apps often have features like two-factor authentication to keep your financial info safe.
Receive Payments
Some apps let you receive payments too—whether you’re running a small online business, freelancing, or selling stuff.
Read Also: Aplikasi Kirim Uang ke Luar Negeri Mudah dan Terbaik
Popular Money Transfer Apps in Indonesia
If you’re unsure which app to use, here are some of the most popular ones in Indonesia:
1. DANA
DANA is a top digital wallet in Indonesia. Its main draw is free transfers between users, plus you can send money to bank accounts up to 10 times a month with no fees.
2. OVO
OVO is another widely-used payment tool in Indonesia, and it’s a major competitor to DANA. One of its best features is its integration with Grab, which is super popular for food delivery and other services. It’s also really easy to top up.
3. Flip
Flip is a great choice for free money transfers in Indonesia. The fees are low—sometimes almost zero—and you can send money to different bank accounts without worrying about expensive fees. It partners with over 100 banks in Indonesia and is licensed by Bank Indonesia, so your transactions are secure.
4. LinkAja
LinkAja is mainly used by Indonesian Railway (KAI) passengers. Besides paying for train tickets, it also works with QRIS payments, with a minimum transfer of just Rp10,000.
5. Transfez
Transfez allows you to send money to 47 countries in as little as 10 minutes. It offers affordable fees for international transactions.
6. Wise
Wise is another popular app for sending money both locally and internationally. It's become a go-to app for users who want low fees and easy transfers.
7. Payfazz
Payfazz offers a variety of ways to send money and can also be used to pay household bills, like electricity, phone top-ups, or even Go-Pay balance top-ups.
Things to Consider When Using a Money Transfer App
Before choosing a money transfer app, there are a few important things to think about
Licensed by Bank Indonesia
Make sure the app you choose is licensed by Bank Indonesia. This ensures your transactions are safe and your money is protected.
Good Features
Once you’re sure the app is secure, check if it has a good range of features. The best apps let you send money, top up your e-wallet, and pay bills—all in one place. E-wallet, dan pembayaran tagihan rumah tangga, semua dalam satu aplikasi tanpa perlu menginstal aplikasi tambahan.
Fitur Transfer Uang Gratis
It’s definitely worth checking if the app offers free transfers. This is especially helpful for businesses that need easy, fast, and cheap transactions. Lower fees mean more savings and better profits.
Read Also: Easy Way to Transfer Money Abroad via BNI
Affordable International Transfers
Sending money internationally can be pricey, so look for apps that offer affordable international transfers. Also, check how many countries they support—apps like Flip let you send money to over 40 countries.
App Security
Finally, always double-check the app’s security. Make sure it’s licensed and whether it’s supervised by the Financial Services Authority (OJK) to ensure your transactions are safe.
Read Also: How to Transfer Money Abroad Easily
Conclusion
These are some of the most popular money transfer apps in Indonesia. Before making any transfers, always check that the app is supervised by OJK and Bank Indonesia to keep your transactions safe.
If you need to send money internationally, you might want to check out Easylink ! It’s an app that’s licensed by Bank Indonesia and lets you send money to over 170 countries using either USD or local currencies.
