10 interbank money transfer apps without admin fees

Save your time and money by transferring money between banks using the application that ApkVenue reviewed below! You can transfer for free between foreign banks, you know!

Are you still in the rush to go to an ATM to transfer money? You should have move on, because there are many money transfer applications via cellphone that can be a solution.

If transferring money via Alfamart is enough to make it easier for you whose house is far from an ATM, installing these various applications on your cellphone doesn't even require you to leave the house.

Not only money transfers, you know. Shopping activities and paying bills are also more practical with just one click!

One of the disadvantages of transferring directly from the bank that we use is that it applies admin fee which eventually flattens the pocket if we need to transfer to another bank user with a fairly frequent frequency.

So, how to transfer money via cellphone with the following application will save tens of thousands or even hundreds of thousands of rupiah.

Not only domestic banks, you can also transfer between countries. Come on, choose!


The first admin free money transfer app is FUND (, a secure, reliable, and full-featured digital wallet.

Users can make transfers to other DANA users for free, besides that there are: 10x free transfers to other banks every month.

DANA has many promos and vouchers that are given exclusively to its loyal users, you know. Already, how to transfer money using this application is also very easy.

In addition to money transfers, DANA can also be used as a gold investment application for those of you who want to venture into the investment world.

DeveloperPT Espay Debit Indonesia Koe
Reviews (Number of Reviewers)4,5 (849.737)
Android Minimum4.4
Apps Utilities PT Espay Debit Indonesia Koe DOWNLOAD

2. OVO

Of course you are already familiar with OVO (, an application that has been integrated with the Grab transportation service.

OVO is arguably one of DANA's toughest competitors thanks to its complete features, even many merchant from shop owners in malls to roadside traders who have accepted payments via OVO.

Method top up OVO is also very easy, so it won't bother you.

Well, you can also enjoy easy transfers to various users and banks via OVO. Upgrades to OVO Premier to enjoy more complete services!

DeveloperPT Visionet International
Reviews (Number of Reviewers)4,1 (576.864)
Android Minimum5.0
Apps Utilities PT Visionet Internasional DOWNLOAD

3. Flip

If you are looking for an accountless money transfer application, you can try an application called Flip (//

Almost all banks, from BCA, BNI, Mandiri, BRI, Jenius, to Islamic banks can make transfers.

Fun again, the recipient is not required to have this application.

How to operate it is quite easy and completely free. Unfortunately, Flip does not operate 24 hours.

Reviews (Number of Reviewers)4.8 (131.167)
Android Minimum4.1

4. LinkAja

Cash transfers and withdrawals, paying using QR codes and tokens, all can be done easily and practically via LinkAja (

In order not to be subject to admin fees when transferring money, LinkAja applies a minimum transfer nominal of Rp10 thousand.

Like OVO, you need upgrade your account to full service to enjoy various exclusive features, one of which is transfers without admin fees.

DeveloperPT Fintek Karya Nusantara
Reviews (Number of Reviewers)4,6 (531.918)
Android Minimum5.0

>>>Download LinkAja here<<<

5. OH! Indonesia

Although not yethits 4 applications for money transfer above, OY! Indonesia ( has been operating since 2016 and was developed by the nation's children, you know.

For ease of transactions, you can connect your bank account with this application and make payments top up from Paytren or GoPay.

Don't doubt the safety because OY! Indonesia has been registered and supervised by Bank Indonesia.

InformationOY! Indonesia
DeveloperOY Indonesia
Reviews (Number of Reviewers)4.3 (25.415)
Android Minimum4.3

6. Payfazz

The next application that ApkVenue recommends for you is Payfazz ( which facilitates free inter-bank transfers if you are getting a promo.

In addition, you can also top up credit, pay PLN bills, up to top up GoPay.

If you want to find additional income, you can also become a Payfazz agent, you know.

The advantage of this application is the transfer limit that can reach IDR 1,000,000.

Unfortunately, if you choose the free admin fee feature, the transfer you do takes a long time.

DeveloperPT Payfazz Teknologi Nusantara
Reviews (Number of Reviewers)4.3 (168.333)
Android Minimum4.0
Apps Productivity DOWNLOAD

7. Netzme

Netzme labels herself as unique social payment app which of course guarantees the security of your digital transactions thanks to the permission from Bank Indonesia.

This free interbank money transfer application promises free interbank transfer fees so you don't have to worry about admin fees that are quite burdensome.

Netzme's transfer limit is Rp5.000.000. A lot, right?

DeveloperNetzme Kreasi Indonesia, PT
Reviews (Number of Reviewers)3.8 (28.388)
SizeVaries by device
Android Minimum4.2
Netzme Social & Messaging Apps DOWNLOAD


IPOTPAY can be used to meet your daily transaction needs, including unlimited bank transfers.

In addition, this application will also place your money in money market mutual funds that provide returns in the range of 10% per year. No need install additional mutual fund application, deh!

Thanks to this OJK-supervised application, you can also pay credit card bills, electricity, and make cash withdrawals via ATM.

DeveloperIndo Premier Securities, PT
Reviews (Number of Reviewers)2,5 (1.279)
Android Minimum4.2

9. Transfez

If you are looking for a money transfer application between countries, Transfez can be the right choice.

This app allows you to transfer funds to more than 47 countries quickly, it only takes 10 minutes at a relatively cheaper cost.

Transfez also provides purchasing services, bill payments, and also interbank transfers without admin fees, you know. Complete, right?

DeveloperPT Indo Koala Remittance
Reviews (Number of Reviewers)4,8 (1.143)
Android Minimum5.0

>>>Download Transfez here<<

10. yourpayID

Similar to Transfez, a transfer app without admin fees named yourpayID also supports the transfer feature to various domestic and foreign bank accounts.

With just a click of your cellphone screen, yourpayID can complete your various transaction needs from transfers, shopping, to cash withdrawals.

Verify your account to maximize Yourpay balance up to IDR 10 million and access all features.

DeveloperPT Rpay Financial Digital Indonesia
Reviews (Number of Reviewers)4,1 (1.320)
Android Minimum4.4

>>>Download yourpayID here<<

How? There are so many, money transfer applications without admin fees that you can install on your smartphone?

Even though it's practical, be careful when using it. You see, if you're not careful, you can get addicted and make transfers for shopping all the time. Not so frugal, okay~

Also read articles about Application or other interesting articles from Ayu Kusumaning Dewi.

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