Flip simplifies digital finance across Indonesia with a suite of services for local transfers, international remittance, bill payment, e-wallet top-ups, credit card settlements, and rewards-based shopping. With its zero-fee local bank transfers, expansive support for popular digital wallets, and cost-effective international transactions to over 60 countries, Flip transforms routine financial tasks into user-friendly, affordable solutions. Whether you're sending money abroad, paying for utilities, topping up phone credit, or managing multiple accounts, Flip offers one centralized platform with smart tools and consistent savings.
Free Local Bank Transfers
- Transfer funds instantly to over 100 Indonesian banks including BCA, BRI, Mandiri, BNI, BSI, CIMB, BTN, and various regional and digital institutions
- Enjoy secure and fee-free transactions for everyday banking needs
- Supports mobile banking platforms and digital banks through a unified channel
E-Wallet Top-Ups
- Recharge OVO, GoPay, ShopeePay, LinkAja, and DANA with discounted fees compared to conventional channels
- Ideal for frequent purchases on apps like Shopee, Tokopedia, Lazada, TikTok Shop, and Blibli
- Save on transit payments including MRT, KAI, and ride-hailing services
International Transfers via Flip Globe
- Send funds from Indonesia to over 60 countries including Malaysia, Singapore, Philippines, China, India, and the USA
- Benefit from competitive exchange rates and low fees starting from Rp20,000
- Supports transfer to international banks and e-wallets such as PayNow, GCash, Alipay, WeChat, Maybank Malaysia, DBS Singapore, ICICI India, and more
- First transaction with Flip Globe is eligible for zero admin fee
Utility Bill Payments and Token Purchases
- Pay PLN electricity bills, PDAM water bills, BPJS Kesehatan premiums, Telkom landline, and internet subscriptions
- Compatible with services like Indihome, Firstmedia, My Republic, ICON NET, MNC Play, Transvision, and more
- Purchase electricity tokens and utility credits at lower prices than market rates
Mobile Credit and Internet Packages
- Top up phone pulsa and data plans for Telkomsel, Indosat, XL, 3, Smartfren, AXIS, and by.U starting from Rp2,000
- Choose daily, weekly, or monthly packages based on personal needs
- Offers a scalable solution for users who want to start selling prepaid credit directly via Flip
Credit Card Bill Payments
- Pay bills from major Indonesian banks such as BRI, Mandiri, BNI, UOB, CIMB Niaga, HSBC, DBS, and Maybank
- Enjoy lower fees and free transactions for the first two payments monthly
- Access over 15 supported banks for streamlined credit card management
Cashback and Online Shopping Perks
- Access Flip Deals to earn up to 60% cashback when shopping on popular platforms like Shopee, Traveloka, Blibli, Trip.com, and Klook
- Ideal for users seeking additional value from regular online purchases
QRIS Payments and Cash Deposits
- Scan and pay using QRIS codes at merchants using Flip balance
- Deposit physical cash into your Flip account for free via Indomaret outlets
- Enables offline-to-online payment flexibility across retail locations
FlexiCicil PayLater Installments
- Shop on Shopee and Lazada with interest-free installment options up to 12 months
- Flexible durations allow users to tailor repayment terms
- Fast digital approval process without lengthy verification
Transfer to Multiple Accounts Simultaneously
- Send funds to several recipient accounts in one transaction
- No additional admin fees for batch transfers
Frequently Asked Questions
Q: Is it free to transfer money to local banks?
Yes, Flip allows zero-fee transfers to over 100 supported banks.
Q: Can I send money abroad?
Yes, Flip Globe supports international transfers to 60+ countries at competitive rates.
Q: Are e-wallet top-ups discounted?
Yes, topping up OVO, GoPay, ShopeePay, and others is cheaper via Flip.
Q: Can I pay PLN and PDAM bills on Flip?
Yes, utility bills for electricity and water are supported with reduced costs.
Q: Does Flip support credit card bill payment?
Yes, you can pay credit card bills from 15+ Indonesian banks directly through Flip.
Q: Is cashback available for online shopping?
Yes, Flip Deals offers up to 60% cashback on purchases from selected merchants.
Q: How can I top up my Flip balance with cash?
You can deposit cash via Indomaret stores with no top-up fees.
Q: Are installment plans available for shopping?
Yes, Flip FlexiCicil allows interest-free paylater installments up to 12 months.
Version History
v3.38.0 —— 13 Jul 2025
Bug Fixes & Stability Improvements Quiet but impactful update focused on behind-the-scenes technical cleanup • Smoother performance • Fewer disruptions during transactions
v3.37.1 —— 30 Jun 2025
Holiday Shopping Perks • Flip Deals—1.5% cashback + up to 60% extra savings on Shopee purchases • Voucher stacking supported—maximize rewards when combining Flip with Shopee promos
v3.37.0 —— 21 Jun 2025
Same perks as v3.37.1—cashback program and seamless shopping enhancements
