Kirim Uang ke Luar Negeri Lewat Apa? Ini dia Pilihan Metode yang Bisa digunakan

Nowadays, sending money abroad is no longer a complicated process. Whether it’s for your child’s education, supporting family members in another country, shopping online from overseas, or international business matters, there are various methods to do it. The question is: which method is the safest, fastest, and most suitable for your needs?

Let’s explore the options for international money transfers, complete with tips to ensure a smooth transaction process!

1. Bank-to-Bank International Transfer

This traditional method is still widely used. If you have a bank account in Indonesia, you can perform an international transfer (remittance) directly to an overseas bank account. This process is typically done through:

1. Teller at the bank branch
2. ATM with international transfer features
3. Internet banking or mobile banking

Advantages:

1. Direct transfer to the recipient's bank account
2. No need to install any new applications
3. Available at most major banks

Disadvantages:

1. Transfer and correspondent bank fees can be expensive
2. Exchange rates are often less competitive
3. Processing time can take 2-5 business days

If you need speed and cost efficiency, this method may not be the ideal choice.

2. Sending Money Abroad via Easylink

If you’re looking for a faster, more transparent, and hassle-free option, Easylink is one of the best solutions. Easylink is a digital platform that provides remittance services to various countries with competitive exchange rates and much lower administrative fees compared to traditional bank transfers.

Easylink Advantages:

1. Faster processing, with some transfers even occurring in real-time to certain countries
2. Transparent and competitive exchange rates
3. No need to queue at a bank; everything can be done via the website or app
4. Officially licensed and monitored by Bank Indonesia, ensuring security

How to Send Money Abroad via Easylink:

1. Create an Easylink account online through the website or app and complete identity verification (KYC).
2. Select the destination country and the amount of money you want to send.
3. Choose the payment method, which could be a local bank transfer or e-wallet.
4. Enter the recipient's complete details (name, account, or payment method).
5. Confirm and complete the payment. The money will be sent immediately!

With its secure and easy process, you don’t have to worry about your funds getting stuck or unexpected deductions.

3. Wise (Formerly TransferWise)

Wise is one of the most popular international transfer platforms globally, especially among freelancers, international students, and business owners. The main advantage of Wise is:

1. Offering mid-market exchange rates (the best rates available on the market)
2. Transparent fees that are visible before making the transfer
3. Direct transfers to the recipient’s bank account overseas

However, Wise may not be available in all countries, and its payment methods may not be as flexible as platforms like Easylink.

4. Western Union

Western Union is one of the oldest remittance services in the world. If you prefer to send money in cash, this could be a suitable solution. You can send money from a nearby Western Union agent, and the recipient can pick up the cash at a Western Union agent in the destination country.

Suitable for:

1. Countries with less digital banking infrastructure
2. Family members who do not have a bank account

However, keep in mind that Western Union transfer fees can be quite high, and the exchange rate is usually not very favorable.

5. MoneyGram

An alternative to Western Union for cash transfers is MoneyGram. It operates similarly but is available in different locations and sometimes offers slightly more competitive rates.

You can send money to the recipient’s bank account or in cash. Like Western Union, you’ll still need to check the transfer fees and exchange rates to avoid unnecessary losses.

6. PayPal

If you frequently transact online, especially for freelance work or digital sales, you’re probably familiar with PayPal. You can send money quickly between PayPal accounts, and the funds are instantly available in the recipient’s balance.

However, if you want to withdraw money from your PayPal balance to a local account, there are usually fees and less competitive exchange rates. So make sure to calculate the total cost before sending.

Tips for Sending Money Abroad Safely and Efficiently

Before you rush into transferring money, here are a few important things to keep in mind to ensure the process is safe, fast, and cost-effective:

1. Choose the Right Transfer Method

Everyone’s needs are different. If you regularly send money to family abroad, opt for a service with low fees and quick processing, such as Easylink. For business or freelance purposes, Wise and PayPal may be better options.

2. Check the Latest Exchange Rates

Exchange rates can vary widely across platforms. Even small differences in rates can have a big impact when sending large sums of money. Easylink and Wise usually offer more transparent and competitive exchange rates compared to traditional banks.

3. Choose a Secure Transfer Service

Security is paramount. Always use platforms that are legal, regulated, and officially registered. For example, Easylink is licensed and supervised by Bank Indonesia, ensuring the security of user data and funds.

4. Double-Check Payment Details

Before hitting "send," make sure all details are correct—recipient’s name, account number or user ID, destination country, and the transfer amount. A small mistake could cause the money to go astray or the transfer to be rejected.

Now you know the various methods for sending money abroad, from traditional options to digital platforms. But if you’re looking for speed, affordability, security, and reliability, Easylink is the best choice.

No need to queue at the bank; starting from just IDR 30,000, you can send money to over 170 countries without breaking the bank, all while being supported by a secure, officially licensed system by Bank Indonesia.