Smart friends, nowadays the need for interbank money transfer applications is increasingly being used. This is due to the proliferation of savings products from various banks, forcing us to use the application. Well, in this article, Kredit Pintar will explain five choices of free interbank money transfer applications that are registered with the OJK. Do you know what the Flip application is? It is a free bank transfer application that you can download on the Play Store and App Store. With Flip you will benefit from not being charged cash or admin fees even if you transfer money to a different bank. Just so you know that the Flip application is the work of Indonesian children and is included in the Forbes 20 under 30 Asia 2021 list. The founder of Flip is Rafi Putra Arriyan who is now its CEO along with 2 friends. In total there are 14 banks in Indonesia that are free to transfer between banks if you use the Flip application. Flip also recently developed the Flip Globe feature which helps make it easier to transfer money overseas at a relatively low cost. For regular accounts, the transaction is limited to only 5 million per day. How to register on the Flip application is quite easy, open the application and enter your cellphone number and email then verify both. After being verified, you must fill in the complete data according to your ID card. The last step you have to verify is by uploading a face photo, ID card and face photo along with an ID card to make your Flip account Regular. 1. Free transfer is not limited to monthly quota. 2. There are active hours for the transfer process. 3. Regular accounts are limited to a maximum transfer of IDR 5,000,000 per day. IDR 20,000,000 per day and an admin fee of IDR 2,500 is charged.
You can transact non-cash online or offline with merchants or shops that are Gojek partners.
5. The amount of transfer must be adjusted with the addition of a unique code from Flip. 6. The Flip application is capable of serving money transfers to 14 domestic banks. 7. Transfer fees abroad with relatively cheap admin fees. 8. Can serve transfers to many destinations at once. GoPay used to be known as GoWallet, one of the digital wallet applications owned by Gojek Indonesia. Like other E-Wallets, GoPay is used to pay for transactions made on the Gojek application, such as (GoCar, GoRide, GoSend, GoFood, etc.). GoPay can also be used for transactions other than the Gojek application service. You can transact non-cash online or offline with merchants or shops that are Gojek partners. You can make interbank transfers via the GoPay application without admin fees.
You can download the GoPay application easily and for free on the Playstore and AppStore.
But the free transfer service only applies at certain moments when there is a promo. And valid for only 5 transactions for loyal users and new GoPay users. Outside of the free bank transfer promo, an admin fee of only IDR 2,500 will be charged. Quite cheap compared to transfer via ATM and M-Banking. You can download the GoPay application easily and for free on the Playstore and AppStore. The fund application has been launched since 2018. Dana is an E-Wallet application that can be used to make easy, fast and safe non-cash payment transactions such as Gopay, OVO and other E-Wallets. In this increasingly advanced digital era, Indonesian people are no longer dependent on cash for transactions. The ATM transfer system and E-Wallet application make it easy to change the way they transact. You will get several conveniences when using Dana. No need to bother paying electricity, insurance, other bills directly to the payment location. All you have to do is use the Dana application at any time. There are always interesting promos such as discounts on items we buy when we pay for them through the Dana application. You can also transfer money from your Fund Balance to your bank account without any admin fees. But only valid for 10 transfers in one month. After the allotted free transfer, there is an admin fee of IDR4. 500 per transaction cheaper than via ATM or M-Banking. In addition, Dana also has some shortcomings that you should know. It has less broad reach than its competitors such as OVO or Gopay. If OVO and GoPay can be used for sectors such as small traders, but not for Dana. If you are interested in using the Dana application, please download it on the Playstore or Appstore for free.
You can register directly like you registered on OVO or GoPay. LinkAja is an application-based digital wallet service founded by Telkomsel with BUMN (BRI, BNI, Bank Mandiri, BTN, Pertamina, Danareksa and Asuransi Jiwasraya). Previously named Telkomsel Cash or TCASH and officially changed on February 21, 2019. Now LinkAja is a free transfer application that is trusted and widely used in Indonesia. Basic service accounts will still be subject to transfer fees and the balance is limited to a maximum of IDR 2,000,000. For Full service accounts, you can transfer money without admin fees and can save money in a maximum balance of IDR 10,000,000. 1. Open the LinkAja application. 2. Select an account on the homepage view. 4. Upload a photo of your ID card and selfie, click continue. 5. Fill in the personal identity data according to the ID card. 6. Record yourself by bringing your ID card. During the recording, state your name, NIK and complete address according to your ID card. Just wait for the process a maximum of 3 × 24 hours. LinkAja will provide information on the status of your account upgrade. Even though LinkAja is owned by Telkomsel, it doesn't mean users of other providers can't register or create a LinkAja account. All numbers can be registered to a LinkAja account even if they are not from Telkomsel. But for Telkomsel customers, it's easier to use. OY or PT. Dompet Harapan Bangsa is made by the nation's children, which was founded in 2017. This application-based E-Wallet service is licensed and registered with Bank Indonesia, so you don't have to worry about its security.
There is a minimum and maximum limit for free transfers from IDR 100,000 to IDR 5,000,000 every day.
To use OY Indonesia the user must connect to his personal account. Once connected, users can transfer money with OY or check their bank account balances. Users must upgrade their account to premium to be able to enjoy the transfer service. There is a minimum and maximum limit for free transfers from IDR 100,000 to IDR 5,000,000 every day. If the nominal transfer exceeds that provision, an admin fee of IDR 2,000 will be charged, which is cheaper than the bank transfer admin fee. You can download the OY Indonesia application on the PlayStore or AppStore. You can use this application like other E-Wallet applications for non-cash payment transactions. Those are 5 free bank transfer applications that you can use as needed. There are Flip, GoPay, Dana, LinkAja and OY Indonesia applications that have been registered by the OJK so you don't have to worry about their security. This article was written by Kredit Pintar, a fintech company registered and supervised by the OJK that provides convenience in distributing online loans for all Indonesians. Follow the Smart Credit blog for other useful information and tips.
Are you planning to buy an automatic car? Or planning to ride it in the near future? Maybe you already know that the way to drive an automatic car is different from the usual car, which shifts the gears manually. Automatic cars have automatic transmissions, where the automatic car gearshift system is designed to be able to move without having to step on the clutch pedal. Automatic transmission has two types of systems, both of which are also known to be simpler and easier, namely semi-automatic and automatic systems. This is How to Check Jakarta Number Plates, Easy! Even though it's automatic, it doesn't mean that driving an automatic type car is just playing the gas and brakes. You also have to be required to have a good feeling in measuring engine power because automatic cars also have transmissions that you can adjust depending on your needs. You will meet the automatic transmission lever with the code P, R, N, D, D3, 2 and L. If you are a new player in driving an automatic car, you are definitely confused by the letters and numbers that are rarely found. 9 Ways to Get Rid of Stickers on Motorcycles, Smooth Back Again! How to Check Vehicle Number Plate Owners Online, Easy! Complete Car Window Film Price List, Must Know! Well, to help you recognize a dead car gear, Qoala will explain in full about automatic car gear, from how to drive it, the meaning and function of each of the codes above and other information you need to drive an automatic car through this review.
If it's your first time driving an automatic car, you may be a little confused about how to drive it. Especially if you are used to using a manual car, which has a different way of operating the gear from the automatic one. This is because you don't have to adjust the clutch or shift gear because it's done automatically. You just need to stop and go without shifting gears or playing the clutch. But if you are not used to having to be careful, you might get confused between the brake pedal and the pedal or the wrong way to use the automatic car gear. Not infrequently heard of accidents because they are not familiar with how to shift gears automatic cars that are not familiar. Therefore you must know some important things in how to drive an automatic car below. As a beginner you need to be careful so that the lever is always in the correct position. First before starting the engine, the lever position must be in the P position or in the N position. Do not position the lever in reverse or R, these positions are used to reverse. If the lever is in the R position, the car will not start when it is started.
This method can prevent damage to the machine.
When you enter the key, do not immediately start the engine. You should wait for the needle to spin until the indicator is active or lit which indicates the electricity is ready. Some types of automatic cars provide an indicator in the form of sound when the car is really ready to be started. When first starting, it is recommended to step on and hold the brake pedal for safety reasons because you are afraid that the car will suddenly accelerate forward. Some automatic cars have an automatic procedure that keeps the engine running if you don't press the brake pedal, although some don't. When the engine is on and you want to start moving, the first step that needs to be done is to change the gear position of your automatic car which was originally in position P or N, to position R to go backwards or D to go forward. It is important to depress the brake pedal at the same time as moving the lever in gear. This method can prevent damage to the machine. The transmission lever aka gear or automatic car gear is an important component that affects the speed of the car.
In general, whether it's Agya automatic car gear, Mobilio automatic car gear or others have DSLPR and N automatic car gears. Well, you need to understand each function of the automatic car gear. Riding mode or driving mode is present as a supporting feature in automatic cars now with varied choices. You can choose the mode that suits your needs, one of which is the economic mode. This economical mode is suitable for those of you who want to drive an automatic car more relaxed. If you want to go at a higher speed, you can choose the sport mode. This mode will set the car engine to maximum performance. There are still several more types of modes offered, please learn and use as needed. Automatic cars are also usually equipped with manual mode. Even though it's called manual, it doesn't mean you will operate it the same as a non-matic car. That's roughly how to drive an automatic transmission car alias matic. It's actually simpler and more practical than the manual one, but if you're not familiar, it takes time to adjust. Especially from the transmission side which uses different codes. Not only numbers that indicate the order of teeth as in manual cars, but the shape of the teeth of automatic cars also uses a code in the form of letters to indicate their respective functions. What are the codes and their functions? Let's move on to the next discussion. As already mentioned a little above, in general, the transmission lever is marked with letters and numbers, namely P, R, N, D, 2, and L. This is standardly applied to various brands, be it in Xpander automatic car gears, gear shifters Honda Jazz automatic car, Ayla automatic car gear and even Avanza automatic car gear.