Complete Guide to Sending Money Through Banks: From Tellers, ATMs, to Mobile Banking

Last updated on June 26th, 2026 at 02:21 pm

How to send money through a bank is still a common question, especially for those who are dealing with banking services for the first time. In fact, there are now many ways to send money through a bank, from conventional methods such as visiting a teller to digital options like mobile banking. Each method has its own advantages and can be chosen based on your needs and situation.

This article will discuss various ways to send money through a bank, including a more affordable and faster option for sending money abroad using Easylink. Let’s take a look!

1. Transfer Through a Bank Teller

   List of contents

   • 1 Transfer Through a Bank Teller
   • 2 Transfer Through an ATM
   • 3 Transfer Through Mobile Banking
   • 4 Sending Money Abroad Through Easylink

This is the most traditional method and has been used for a long time. It is usually chosen by people who are not yet familiar with technology or when they need direct assistance from bank staff.

Steps:

1. Visit a bank branch during operating hours.
2. Take a queue number for teller service.
3. Tell the teller your purpose, whether you want to transfer to an account within the same bank or to another bank.
4. Fill out the money transfer form. Bank staff can assist you if needed.
5. Hand over the cash or debit card for processing.
6. The teller will process the transaction and provide a transfer receipt.

So, if you are an older customer who is not yet comfortable using digital apps, or if you need to make a large transaction with extra assistance, this option is still very relevant.

2. Transfer Through an ATM

This method can be considered a transition from manual to automated banking. ATMs are available in many major cities and even in smaller areas, and they can be used 24 hours a day.

How to transfer money through an ATM:

1. Insert your ATM card and enter your PIN.
2. Select the “Transfer” menu.
3. Choose whether you want to transfer to an account within the same bank or to another bank.
4. Enter the destination account number.
5. Enter the amount of money you want to send.
6. Review the transaction details carefully.
7. Confirm and complete the transaction.

Even today, ATMs remain a favorite option for many people who want to send money quickly but are not yet comfortable using banking apps.

Read Also: Send Money Abroad Faster, Cheaper, and Safer

3. Transfer Through Mobile Banking

This is the most modern and widely used method today. Almost every bank in Indonesia now has a mobile banking app that allows you to transfer money directly from your phone.

How to use it:

1. Download the mobile banking app according to your bank, such as BCA Mobile, Livin’ by Mandiri, BRImo, and others.
2. Log in using your user ID and password.
3. Select menu Transfer then choose whether you want to transfer within the same bank or to another bank.
4. Enter the recipient’s account number and the transfer amount.
5. Add a note or description if needed.
6. Verify the transaction using your PIN, token, or OTP code.
7. The transaction is complete, and you will receive a transfer receipt.

Mobile banking is perfect for active users who frequently transfer money to friends, family, or even for business needs. Everything can be done in just a few seconds.

4. Sending Money Abroad Through Easylink

If you need to send money abroad, the most common method is usually through a bank wire transfer. However, this process often takes time, comes with high administrative fees, and does not always offer competitive exchange rates. This is where Easylink comes in as a faster, more affordable, and more transparent solution.

What is Easylink? Easylink is an international money transfer service that allows you to send money to more than 170 countries. Whether you are sending money to family, friends, or for business needs, everything can be done through one practical platform.

With Easylink, you do not need to go to the bank, wait in long queues, or worry about your money getting delayed. Everything can be done directly through the app or website from your phone.

Sending money through a bank is now very flexible. You can choose the method that suits you best, whether it is manually through a teller, practically through an ATM, or quickly through mobile banking. But if you need to transfer money abroad, Easylink is a secure, easy, and fast choice. Starting from just IDR 30,000, you can send money to more than 170 countries!

What are you waiting for? Don't let distance be a barrier to helping your family or growing your international business. Download and send money abroad now using Easylink!