Sending money abroad is different from sending money domestically. In addition to the problem of location The process known as money transfer is also limited by exchange rate issues. This is because the Rupiah currency you send must be exchanged for the currency of the relevant country. so that the consignee can use that currency

According to OJK, there are three departments that provide remittance services: banks, financial services companies that provide remittance services, and post offices. because it requires manpower and resources Of course, the customer must also pay the transfer fee.

The size of the fee depends on the policy of each service provider as follows: money transfer method Abroad easily and cheaply:


Paypal is Financial technology company (fintech) From USA that offers online payment and international money transfer. With paypal you can buy and pay for imported goods available in various e-commerce worlds like Ebay, Amazon and others.

The cost of sending money using this app is 4.9% of all transactions + 0.30 USD (approximately 5000 Indonesian rupiah). Transfer using paypal can be used with other paypal accounts or offshore banks. Because the company’s services are available in hundreds of countries around the world.

Here are the steps to transfer using Paypal:

  • Open your PayPal account through the app or website.
  • check small balance If the balance is less than the amount to be transferred You can fund your Paypal account using a credit or debit card.
  • After clicking “Transfer”
  • Specify the value of the money to be transferred.
  • Enter the account name or PayPal account of the desired user.
  • Click “Submit”.

2. Wise

Slightly different from paypal, Wise is a financial app that is dedicated to money transfers only. An application from a company developed by two Estonian citizens, Taavet and Kristo, promises transparent international money transfers at current exchange rates. before sending money with this platform You can first test how much your recipient will receive and how much the company charges.

Here are the steps for sending money internationally using Wise:

  • Create a Wise account if you already have one. All you have to do is click the Send Money menu on the website or the application homepage.
  • Enter the transfer amount If you want the payee to receive a certain amount You can write the amount the recipient wants to receive. Then the system will automatically calculate the amount you need to deposit.
  • Choose a transfer type
  • Fill in your personal information
  • Complete the recipient’s personal information. Wise payees are not necessarily the only users of this application. If the recipient is not a Wise user, a transfer notification will be automatically sent to that user’s email address and requested for the bank details used.
  • Choose a payment method.
  • Click submit and you’re done. The money you send will arrive in less than an hour or days.

3. Western Union

It is undeniable that Western Union is the largest money transfer service provider in the world. Founded in 1851, the company offers not only offline money transfer services. but also provides online services through websites and applications. Even the WU application itself is downloaded by more than 10 million users worldwide.

With Western Union, you can not only send money internationally. You can also view your money transfer history. So you know where your money is and when it reaches the sender. Here’s how to make a transaction using Western Union:

  • Visit the nearest Western Union office or representative office. in indonesia The company cooperates with many banks and post offices.
  • Fill out the money transfer form.
  • Handing out the ID card to the officer
  • Transfer the money you wish to send to the clerk.
  • Done. You will receive a receipt and MTCN code. This MTCN code can be used to track the transfer process.

Money sent using Western Union can be received in three ways: cash received at a WU office or representative, and sent to a bank account. or send to the recipient’s mobile phone number (depending on service area)

There is no information about the cost of sending money abroad on the company’s official website. Shipping costs using Western Union up to 10% of the total transaction value.

4. Flip

Flip is an Indonesian financial technology start-up that offers international money transfer services. The app offers money transfers with no hidden fees and can be tracked in real time. Currently, the app’s international remittance feature is available to transfer funds to 49 countries around the world. including the United States EU countries and countries in East Asia

The fee charged varies approximately IDR 50,000 – IDR 85,000 per transaction, depending on the destination country. Like the Wise Flip, there is also a trial feature. So you can estimate how much the recipient will receive. Here’s how to send money using Flip Globe:

  • Download and sign up for the Flip app.
  • Sign in to your Flip account.
  • Select the Flip Globe menu.
  • select destination country
  • Enter the amount you wish to send.
  • Enter the transfer type.
  • Read the terms and conditions carefully.
  • Click OK and continue.
  • Select beneficiary bank
  • Enter the recipient’s account number.
  • Click Continue.
  • Enter the recipient’s full name and address.
  • Click Continue.
  • Choose the source of funds to deliver.
  • Select the need to transfer money.
  • Click the Save Recipient Information button.
  • Click Continue.
  • Double check the transaction details.
  • Click Continue.
  • Choose a payment method
  • Transfer your funds to your Flip account within the time limit. Make sure you send by including the last 3 digits of the number. The transaction will be canceled if you do not send money within that time frame. And the transfer will fail if you forget to enter the last 3 digits of the number.
  • Confirm the transfer by clicking on the “I have transferred” button.
  • The party applying will verify and process the transaction.
  • after success You will receive a confirmation email and proof of transaction from Flip.

5. Transface

Another money transfer service app from Indonesia is Transfez. This company’s remittance feature is currently accessible to send money to 50 countries including the United States. EU countries and Australia

The fees charged also vary by currency. before starting the transaction You can first test the money transfer features provided by this application to find out what small fees you have to pay and how much your recipients will receive.

Here are the steps for sending money internationally using the Transfez app:

  • Create an account and download the Transfez aplikasi app.
  • Take note of the small amount sent.
  • Verify your identity.
  • Enter the recipient information correctly.
  • Transfer the small amount you will send with the cost.
  • The application will be reviewed first. After this process is complete Your transaction will be complete.


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