Flip: Transfer & Phone Credit 3.34.0

The Flip platform offers a comprehensive suite of financial services, emphasizing convenience and cost-efficiency for users. It provides free transfers to over 100 banks, including major financial institutions such as BCA, BRI, Mandiri, BNI, CIMB, and various digital and regional banks. This broad coverage facilitates seamless intra-bank transactions without additional charges.

Additionally, Flip enables free transfers to numerous e-wallets like OVO, GoPay, ShopeePay, and DANA, supporting users in topping up their digital wallets for various daily activities such as food delivery through GrabFood or online shopping on platforms including Shopee, Tokopedia, Lazada, and others. For commuters, the app also supports free top-ups for LinkAja used with KAI and MRT payments.

International money transfers are another key feature, with a guarantee of the lowest fees. Users can send funds from Indonesia to over 60 countries at competitive rates, starting from IDR 20,000, with the first transaction free of admin fee. Supported destinations include Malaysia, Thailand, Philippines, China, Singapore, South Korea, Australia, Japan, India, the UK, US, Germany, the Netherlands, Turkey, France, among others. The service covers currency conversions to MYR, SGD, CNY, THB, PHP, and INR and supports transfers to e-wallets like GCash and Alipay as well as to international banks such as Maybank Malaysia and DBS Singapore.

The platform also offers affordable pulsa and internet data packages from multiple providers—Telkomsel, Indosat, XL, by.U, 3 (Three), Smartfren, and AXIS—starting at just Rp2000. Users can choose between daily, weekly or monthly options according to their consumption needs. Flip also supports the sale of pulsa for resellers.

For online shopping enthusiasts, Flip provides cashback rewards through its Flip Deals feature when purchasing on Shopee and other major e-commerce sites. Cashback can reach up to IDR 250,000 per month and is disbursed within a week of purchase.

The platform claims to offer the most affordable Flazz card top-ups in Indonesia—completely free—and facilitates bill payments for electricity tokens (PLN), water bills (PDAM), internet subscriptions (Indihome, Firstmedia), cable TV (MNC Vision), BPJS Kesehatan payments, and Telkom telephone bills.

Cash deposits can be made at Indomaret outlets with free balance top-up services that transfer directly to your bank account without charge. Payment with QRIS is straightforward: scanning QR codes at merchants allows for quick settlements from your Flip balance.

Credit card bill payments are supported for numerous banks—including Mega, BNI, UOB, CIMB Niaga, Mandiri, DBS—and the first two transactions each month incur no fee. Users can also enjoy ShopPayLater options from Shopee and Lazada with interest-free installments up to 12 months through an easy approval process.