{"id":14927,"date":"2026-01-22T09:00:31","date_gmt":"2026-01-22T02:00:31","guid":{"rendered":"https:\/\/easylink.id\/?p=14927"},"modified":"2026-01-22T11:15:05","modified_gmt":"2026-01-22T04:15:05","slug":"biaya-transfer-antar-bank","status":"publish","type":"post","link":"https:\/\/easylink.id\/en\/interbank-transfer-fees\/","title":{"rendered":"Interbank Transfers in Indonesia: Types of Services and Fees You Should Know"},"content":{"rendered":"

Have you ever needed to transfer money to a friend, family member, or pay for something\u2014but the recipient\u2019s account was at a different bank? That\u2019s what\u2019s known as an interbank transfer.<\/span><\/p>\n

Even though transfers are now incredibly easy\u2014via mobile banking, ATMs, or internet banking\u2014fees still apply, and they vary depending on the service and bank you use. To avoid surprises when your balance gets deducted, let\u2019s take a closer look at the types of interbank transfer services in Indonesia and their associated fees, especially among major banks.<\/span><\/p>\n

Types of Interbank Transfer Services in Indonesia<\/strong><\/h2>\n

Before comparing bank fees, it\u2019s important to understand the most commonly used interbank transfer services.<\/span><\/p>\n

BI-FAST<\/strong><\/h3>\n

BI-FAST is an interbank transfer system developed by Bank Indonesia. Its biggest advantage is speed\u2014transactions are processed in real time, with funds received within seconds.\u00a0<\/span><\/p>\n

BI-FAST operates 24\/7, including weekends and public holidays. Best of all, the fee is very affordable: IDR 2,500 per transaction. Fast, economical, and convenient.<\/span><\/p>\n

Read Also: Why is the transfer successful but the money has not arrived?<\/a><\/strong><\/p><\/blockquote>\n

SKN (National Clearing System)<\/strong><\/h3>\n

SKN is suitable for larger transfers when you\u2019re not in a hurry. Unlike BI-FAST, SKN transactions are not instant. Funds usually arrive within 2\u20133 business hours and are only processed on business days (Monday\u2013Friday).\u00a0<\/span><\/p>\n

If you transfer outside operating hours, the transaction will be processed on the next business day. The good news is that SKN fees are still relatively low, typically IDR 2,900 \u2013 IDR 3,500, depending on the bank.<\/span><\/p>\n

RTGS (Real Time Gross Settlement)<\/strong><\/h3>\n

RTGS is used for very large-value transfers, usually above IDR 100 million. Transactions are processed in real time but only during bank operating hours (generally until 3:00 or 4:00 PM).\u00a0<\/span><\/p>\n

This service is commonly used by businesses or corporate clients. Fees are higher\u2014around IDR 25,000 to IDR 30,000 per transaction\u2014making RTGS unsuitable for everyday transfers.<\/span><\/p>\n

Regular Online Transfer (Non-BI-FAST)<\/strong><\/h3>\n

If you often transfer funds via ATM, internet banking, or mobile banking without selecting BI-FAST, you\u2019re likely using the regular interbank transfer service. Transfers are real-time, but because they don\u2019t use BI-FAST infrastructure, the fees are higher\u2014usually IDR 6,500 \u2013 IDR 7,500 per transaction.\u00a0<\/span><\/p>\n

This option is still widely used, especially if your bank or app doesn\u2019t support BI-FAST yet. Always check the transfer method before confirming to manage costs wisely.<\/span><\/p>\n

Interbank Transfer Fees at Major Indonesian Banks<\/strong><\/h2>\n

For Bank Central Asia customers, here\u2019s the fee breakdown:<\/span><\/p>\n