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Guide to Sending Local Transfers from Aspire IDR account
Guide to Sending Local Transfers from Aspire IDR account

Follow the guide below to send local transfer from your Aspire IDR account.

Updated this week

Local IDR transfers refer to a transaction between an Indonesian bank account with your Aspire IDR Account.

Making a transfer

You can send funds with your IDR Account to any business or individual account in Indonesia with affordable fees.

  1. On your Aspire dashboard, click "IDR Account" under "Accounts"

  2. Select Submit a transfer on the right side of the page


  3. Select a Recipient or create a New Recipient


  4. Fill in the amount you want to send


    We will automatically select the best network system at the time to send your funds in real time (RTOL, SKN/RTGS/ BI-FAST). Click here to find out more about the IDR transfer network system.

  5. You may also add the following items to your transfer

    1. Assign this to your desired budget (optional)

    2. Include references and internal notes, or schedule your payment!

  6. Pick a Category that best describes this transaction (required)

  7. Click continue to review your payment

  8. Click Confirm to send your payment


  • The minimum transfer amount is IDR 10,000.00.

  • You can make instant transfers for up to IDR 50,000,000.00

  • You can also transfer beyond IDR 50,000,000.00, and it will arrive within one working day. An estimate of how long the transfer will take will be shown when you enter the amount.

  • The Aspire IDR account does not support sending funds to a BCA Virtual Account.

  • If you have scheduled the transfer, it cannot be attached to a budget. To stay updated on this feature, please click "Upvote" on this link to receive the latest updates from our product team.

Transfer Fees

Enjoy 10 free single local IDR transfers per month from your IDR account. This excludes transfers sent using the RTGS transaction system. Beyond this limit, fees will be incurred as outlined below:

  • BI - FAST: IDR 2,200

  • RTOL: IDR 3,000

  • SKN: IDR 2,800

  • RTGS: IDR 28,000

Transaction system used to send IDR

Aspire selects one out of the four transaction systems available, depending on your transfer amount. This helps us ensure that your funds are delivered to your recipient as soon as possible.

  • RTOL (Real Time Online):

    An online transaction system that allows you to send funds or make payments instantly, with a limit of IDR 25 to 49.9 Million per transaction, depending on the beneficiary bank.

  • SKN (National Clearing System) or LLG (Traffic Giro)
    An electronic fund transfer system that includes debit clearing and credit clearing where each transaction is settled nationally within one working day. The limit for SKN is IDR 500 million per transaction.

    The SKN transaction system has a cut-off time of 15:00 WIB. If you send funds or make a top-up after 15:00 WIB, the funds will be processed on the next business day.

  • RTGS (Real Time Gross Settlement)
    An online transaction system managed by a central bank that allows you to send transfers of more than IDR 500 million per transaction, which is completed within one working day.
    The RTGS transaction system has a cut-off time of 12:00 WIB (noon). If you send funds or make a top-up after 12:00 WIB, the funds will be processed on the next business day.

  • BI-FAST:
    A national retail transaction system that can facilitate real-time payments with a limit of up to IDR 250 million per transaction to supported beneficiary banks.


  • You cannot choose the transaction system used because it will be selected automatically according to the amount you sent.

  • The BI FAST transaction system cannot make payments to Virtual Accounts.

Pending IDR Transfer

The time needed for the funds to be received by the recipient depends on the corresponding bank's processing time. After we initiate the transfer, the money may need to be processed by various parties, including our bank, the switching networks, and the recipient’s bank.

In some cases, Aspire has processed the transfer, but the partner informed us that the disbursement’s state is unclear. In this case, the process will usually be cleared by the next working day. Once the payment has been completed, the transfer status will show up in your account as either completed or failed.

If your transfer has been pending for more than 1 working day*, please reach out to our Support team via the Aspire app to trace the funds.

*In several cases, your transfer might be delayed due to an internal review conducted by our partner, which may take 1-3 working days. Unfortunately, we are unable to cancel or expedite the transactions that are in this state.

Displayed sender's name on my recipient's end

When you send funds from your IDR account, at times the recipient can see that the funds were sent from PT Kharisma Catur Mandala. Please note that this is the name of our partner service provider that enables your IDR Account.

This is a platform limitation that affects many payment provider companies in Indonesia, due to the limited APIs provided by the regulators.

It can happen randomly depending on the transfer method used and the chosen beneficiary bank. In most situations, your payees/recipients can see that the funds were sent using the name of your business account.

We are actively looking for a solution to this limitation so that your payees/recipients have the right information at all times.

Questions? Chat with us by clicking on the messenger icon at the bottom right of the screen once you are logged in.

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