5 Safe and Easy Ways to Transfer Money Abroad

In the current era of digitalization, transfer money abroad can be done using several methods according to individual needs. Here are five ways to transfer money abroad that can be used safely, quickly and easily.

1. Topremit

Topremit is a highly recommended online remittance application because it provides fast, cheap and safe money transfer services abroad.


With Topremit, money can arrive directly into the recipient’s bank account in a short time, approximately 5 minutes. 

Topremit charges only affordable transfer fees starting from IDR 45 thousand per transaction. With low exchange rates and fixed transfer fees, regardless of the amount of money sent, users can save more on transaction fees using Topremit.

Apart from that, making transfers abroad using Topremit is also easy. Here’s how:

  • Create a Topremit account and complete account verification using e-KTP/Passport.
  • Select the destination country and enter the amount of money you want to send. Transfer fees, delivery speed, and other details will be visible at the start.
  • Fill in the recipient data entirely and make sure the data entered is correct. These details will be saved automatically for use in future transactions.
  • Pay to one of Topremit’s bank accounts, and your money will reach the recipient’s account!

As a pioneer who introduced an online-based method of sending money abroad in Indonesia, Topremit guarantees the security of its application because it has had a license from Bank Indonesia since its inception in 2009.

Topremit has been trusted by more than 200,000 users, with total shipping transactions reaching more than IDR 11 trillion to more than 70 countries worldwide.

2. Western Union

Western Union is a popular method with a comprehensive service network, from minimarkets to post offices.

Western Union

The sending process is also relatively easy; create a Western Union account by including your personal details or ‘Login’ if you already have one. Select the ‘Send Money’ option and add destination information, transfer amount and desired currency. 

Next, determine how to receive the money, such as cash withdrawal or transfer via bank account. Select the desired payment method at a Western Union location, generally via credit card, debit card, or cash payment. Review the transfer summary and then complete the payment process to process the user’s funds immediately.

However, service fees may vary depending on the number of transactions. It is important to note that service fees can be significant for small transaction amounts.

3. International Bank Transfer

Another option for sending money from Indonesia to abroad is through your bank. Several banks in Indonesia provide international interbank transfer services with procedures involving tellers at branch offices.

International Bank Transfer

Banks around the world usually arrange international transfers through the SWIFT network. In this case, the payment will be routed from the sending bank to the recipient through one or more partner banks, intermediaries or correspondent banks. 

The sender will then need the recipient’s identity data, recipient bank data, and the recipient bank’s SWIFT Code. At the same time, the process can take 3-5 days. 

This method may incur additional costs because intermediary banks may charge service fees for their role in the transfer process.

4. PayPal

PayPal allows transferring balances from personal accounts to PayPal accounts for further transfer to other accounts.


Register for an account on the PayPal app or desktop site to send money via PayPal and complete the necessary verification steps. Then, click ‘Login’ and select the ‘Send money’ option; enter the amount you want to send and add the recipient’s email address or telephone number. Then confirm and complete the payment so your money will be processed immediately!

Recipients can also withdraw money to their bank account if they wish, with a transaction fee of IDR 16,000 when users withdraw money under IDR 1,500,000 to a bank account and additional fees if currency conversion is required. 

5. Digital Wallet

It cannot be denied that digital wallets have recently become increasingly popular and are widely used in transactions for sending money abroad. The two most famous, Google Wallet and Apple Pay, are available in over 40 countries. With Google Wallet and Apple Pay, users can make digital transactions using smartphones.

Digital Wallet

As digital wallets, Google Wallet and Apple Pay allow users to store credit/debit card details and other compatible payment instruments. This will enable users to choose a payment method that suits their needs for each transaction, providing convenience and security.

Consider Efficiency and Security

Modern developments and digitalization have increasingly created a variety of options for sending money abroad, ranging from current services such as Topremit to more conventional options such as sending via banks.

Users can choose the most appropriate service by understanding their needs and adapting their choices to the conditions they face. 

Even so, things are worth considering when choosing a solution for sending money abroad according to your needs: efficiency, speed, comfort and security. Then, remember always to understand the terms and conditions and transaction fees for each transfer method chosen.

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