Bank Indonesia-licensed payment service provider

Indonesia's cross-border payment rail

TransferKu connects banks, financial institutions and businesses to cross-border corridors through one API and web portal. Built from Indonesia, out.

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BI licence No. 26/369/Cn/B/14-001 SNAP-standard API Fully digital: no cash, no agents 98.99% transaction success rate

How a payment moves

Your institutionCore banking, app or ERP

TransferKu API & portalCompliance checks, FX, routing, reconciliation

Corridor payoutBeneficiary bank accounts

ChinaASEANJapan & KoreaEurope, UK, US, AustraliaUSD SWIFTSaudi Arabia: coming Q1 2027

Illustrative flow. Availability depends on corridor and partner onboarding.

Working with leading banks and technology partners

Who we serve

Infrastructure before interface

We work exclusively with institutions and businesses. Each segment gets the integration model, controls and support it needs.

Banks

Add cross-border corridors without building them.

SNAP-standard APIs that fit your core and channel stack
White-label payout and collection for your customers
Settlement and reconciliation built for bank operations
Compliance alignment: AML/CFT and PPATK reporting

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Non-bank financial institutions

Last-mile Indonesia, first-mile corridors. For MTOs, PSPs, e-wallets and fintechs.

IDR payout to Indonesian bank accounts via API
Virtual account collection
Sandbox and Postman collections for fast integration
An operations partner who knows Indonesian rails

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Corporates

Pay and get paid where your trade already moves.

Corridor payments for China, Hong Kong, Japan, Korea and ASEAN trade, with Saudi Arabia coming Q1 2027
Supporting-document handling for underlying transactions
Visibility through the web portal and reports
A dedicated relationship contact

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SMEs

Cross-border payments with a local team that speaks your language.

Simple, guided onboarding (KYB)
Web portal: no integration needed to start
Support in Bahasa Indonesia and English
Clear quotes before you pay

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How it works

One API and one portal, from onboarding to settlement

Integrate directly through our SNAP-standard API, or start on the web portal and integrate later.

Onboard

Share your requirements and complete our KYB and due-diligence review.

Integrate

Build against the sandbox with our documentation and Postman collections, or set up portal users.

Go live

Activate production keys after technical and compliance sign-off.

Operate

Track transactions, reconcile and pull reports from the dashboard.

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Corridors & payout

We build where commerce already moves

Domestic IDR payout and collection on Indonesia's main rails, plus bank and wallet payout across Asia, Europe, the UK, the US and Australia, and USD via SWIFT to any country.

98.99%transaction success rate

16live payout destinations

15payout currencies

6virtual account banks for IDR collection

IndonesiaReal time IDR Bank transfer (BI-FAST, online (RTOL), SKN, RTGS) · E-wallet · Virtual account (IDR collection)
- IDR Bank transfer: BI-FAST
  Use case
  All types
  Speed
  Real time
  Transaction limit
  Up to IDR 250,000,000
  Notes
  All banks
- IDR Bank transfer: online (RTOL)
  Use case
  All types
  Speed
  Real time
  Transaction limit
  IDR 100,000,000
  Notes
  All banks
- IDR Bank transfer: SKN
  Use case
  All types
  Speed
  Same day, cut-off 14:30 local time
  Transaction limit
  IDR 500,000,000
  Notes
  All banks
- IDR Bank transfer: RTGS
  Use case
  B2B, B2C
  Speed
  Same day, cut-off 14:30 local time
  Transaction limit
  Unlimited
  Notes
  All banks
- IDR E-wallet
  Use case
  B2C, C2C
  Speed
  Real time
  Transaction limit
  IDR 20,000,000
  Notes
  GoPay, OVO, DANA, ShopeePay, LinkAja
- IDR Virtual account (IDR collection)
  Use case
  Collection (payin)
  Speed
  Same-day settlement
  Transaction limit
  On request
  Notes
  6 major Indonesian banks; local IDR rails, no FX conversion
ChinaReal time CNYUSD Bank transfer · Alipay
- CNY Bank transfer
  Use case
  C2C
  Speed
  Real time
  Transaction limit
  Annual CNY 500,000; daily CNY 50,000; max. 3 transactions per day and 5 per month
- CNY Alipay
  Use case
  C2C
  Speed
  Real time
  Transaction limit
  Annual CNY 500,000; daily CNY 50,000; max. 3 transactions per day and 5 per month
- CNY Bank transfer
  Use case
  B2B, C2C
  Speed
  Same day
  Transaction limit
  CNY 1,000,000 per transaction; no annual limit
- USD Bank transfer
  Use case
  B2B
  Speed
  T+1
  Transaction limit
  No limit
Hong KongReal time HKD Bank transfer
- HKD Bank transfer
  Use case
  All types
  Speed
  Real time 24x7 up to 1 million via FPS (FPS-supporting banks); real time via CHATS, cut-off 15:30 local time
  Transaction limit
  No limit
IndiaReal time INR Bank transfer
- INR Bank transfer
  Use case
  All types
  Speed
  Real time for selected banks
  Transaction limit
  On request
JapanReal time JPY Bank transfer
- JPY Bank transfer
  Use case
  All types
  Speed
  Real time
  Transaction limit
  JPY 50,000,000
MalaysiaReal time MYR Bank transfer
- MYR Bank transfer
  Use case
  All types
  Speed
  Real time
  Transaction limit
  MYR 10,000,000 (MYR 10,000 for loan and non-resident accounts)
PhilippinesReal time PHP Bank transfer, e-wallet
- PHP Bank transfer, e-wallet
  Use case
  All types
  Speed
  Real time 24x7 up to PHP 50,000 via InstaPay; same day via PESONet, cut-off 14:00 local time
  Transaction limit
  No limit
SingaporeReal time SGD Bank transfer
- SGD Bank transfer
  Use case
  All types
  Speed
  Real time 24x7 up to SGD 200,000 via FAST (FAST-enabled banks); next day via GIRO (all banks), cut-off 13:30
  Transaction limit
  No limit
South KoreaReal time KRW Bank transfer
- KRW Bank transfer
  Use case
  All types
  Speed
  24x7. First payment to a new beneficiary needs a one-time online beneficiary KYC (ID submission), then real time. Above KRW 7,000,000 paid same day (cut-off 18:00 GMT+9)
  Transaction limit
  B2B/B2C/P2B: no limit; C2C: USD 5,000
ThailandReal time THB Bank transfer (incl. BAHTNET)
- THB Bank transfer
  Use case
  All types
  Speed
  Real time
  Transaction limit
  THB 499,999 to 8 major banks; THB 2,000,000 to Kasikorn Bank and CIMB; THB 10 million per customer per day
  Notes
  Bangkok Bank, Krungsri, Kiatnakin, Krungthai, Siam Commercial Bank, CIMB, Kasikorn Bank, Government Savings Bank
- THB Bank transfer: BAHTNET
  Use case
  All types
  Speed
  T+1/2
  Transaction limit
  No limit
  Notes
  All banks
VietnamReal time VND Bank transfer
- VND Bank transfer
  Use case
  B2C, C2C
  Speed
  Up to VND 500,000,000: real time 24x7 to 30+ major banks. Above that: same day via CITAD (supported banks), cut-off 15:30 local time (08:30 UTC)
  Transaction limit
  VND 499,999,999
AustraliaSame day AUD Bank transfer
- AUD Bank transfer
  Use case
  All types
  Speed
  Same day / T+1
  Transaction limit
  No limit
Europe (SEPA)Real time EUR Bank transfer
- EUR Bank transfer
  Use case
  All types
  Speed
  Real time
  Transaction limit
  No limit
United KingdomReal time GBP Bank transfer
- GBP Bank transfer
  Use case
  All types
  Speed
  Real time
  Transaction limit
  GBP 1,000,000
United StatesSame day USD Bank transfer
- USD Bank transfer
  Use case
  All types
  Speed
  Same-day credit, cut-off 15:15 EST
  Transaction limit
  USD 9,999,999
USD via SWIFT (any country)T+1 or later USD Bank transfer (SWIFT)
- USD Bank transfer: SWIFT
  Use case
  B2B, B2C, C2B
  Speed
  T+1/2
  Transaction limit
  USD 1,000,000
  Notes
  Full amount only
Saudi ArabiaComing Q1 2027 SAR To be announced
- SAR To be announced
  Use case
  To be announced
  Speed
  Coming Q1 2027
  Transaction limit
  Coming Q1 2027

Availability, limits and cut-offs depend on use case and onboarding. Cut-off times are local to the destination unless stated. Pricing is shared on request.

Compare all corridors in one table

Trust & compliance

Licensed, supervised and built for institutional scrutiny

Your compliance team will ask hard questions. Here are our answers, starting with our licence.

Regulator: Bank Indonesia
Licence: Payment Service Provider (PJP), No. 26/369/Cn/B/14-001
Date: 22 April 2024
Category: Category 2: digital fund-transfer forwarding (PBI 10/2025)
Legal entity: PT Graha Remitansi Indonesia

AML/CFT programme

Risk-based customer due diligence (KYC/KYB), transaction monitoring and record-keeping, in line with Bank Indonesia rules.

PPATK reporting

We meet our reporting obligations to PPATK, Indonesia's financial intelligence unit.

Data security

SNAP-standard API authentication, encrypted connections, and personal data handled under Indonesia's PDP Law.

Fully digital

No cash handling and no agent network, so every transaction leaves a complete digital trail.

Read our licensing & compliance overview

About TransferKu

From spice routes to digital bridges

We are based in Cirebon, a port on Java's north coast where traders from China, Arabia and across the archipelago have met for centuries. The corridors we serve today follow many of the same routes.

PT Graha Remitansi Indonesia builds the payment layer underneath: licensed, compliant and engineered for the institutions that move money for others.

More about the company

"Built from Indonesia, out."

Our view: the best cross-border infrastructure for Indonesia is built by people who run Indonesian payments every day.

[PLACEHOLDER: named partner case study (bank or NBFI): problem, solution, measurable outcome, approved quote]

Contact

Talk to our team

Tell us what you need. We will come back with the right corridor, integration path and commercial terms.

Sales enquiries[email protected]
Customer service[email protected]
Phone+62 818 170 481
Head officePT Graha Remitansi Indonesia
Jl. Bahagia No. 45, Karangmulya, Plumbon
Kabupaten Cirebon, Jawa Barat 45155
Developersdocs.transferku.id