Forum > Indonesia > SOLUSI TRANSFER ANGSURAN KE BNI VIRTUAL ACCOUNT TANPA BIAYA Forum Guidelines

  • Volunteer Mentor
    Mimin Munawaroh
    Cilacap, Indonesia

    Nov 30, 2017

    Zidisha has replaced the virtual account (VA) for installment payments from BCA to BNI VA. For Zidisha members who have a BNI account will not be a problem because it can make direct payments at no cost, but for members who only have BCA account will be charged 6500 per payment because the process is the same with interbank transfers, This is quite a burden because it will increase spending every time making a payment. Therefore I suggest the following alternative solution to avoid the interbank transfer fee. 1. Using interbank transfer service FLIP.ID Flip is an interbank transfer service company licensed by Bank Indonesia (BI) and uses KYC (known your customer) standard for all its members. In a nutshell Flip helps us not to get the fee transfer between banks, how it works: - we select the bank we use and the bank transfer destination (currently Flip support bank: BCA, BNI, BNI Syariah, BRI, CIMB, CIMB Syariah, Mandiri, Mandiri Shariah and Muamalat) - Determine the nominal transfer - Transfer the money from the bank we use to the Flip account with the nominal as specified by the Flip system - Upload the transfer receipt and wait for the process to complete - Flip will send proof of transfer after they send money to the bank the destination we choose (the process is about 10-20 minutes depending on the queue when we transaction) - Flip only process transactions on weekdays Monday-Friday (09:00 to 19:00) Saturday (09:00 to 14:00) - Flip transactions can be done via web or android applications Before can use the services Flip, we are required to follow the verification process and the process is also very easy because it can be done in the nearest branch Alfamart by way of showing KTP d an pay fee of IDR 4000 (verification process info: flip.id/kyc-tutorial) My account experience verified about 30 minutes after verification in Alfamart and uploading KTP in Flip application. By using Flip then we will be free from the transfer fee even though the transfer from BCA to BNI VA 2. Creating account Genius Genius is an online savings issued by the National Pension Savings Bank (BTPN) with features and functions just like other conventional savings. The advantage of using Genius is there is no minimum balance limit, no monthly fee and the main one that we can use is Genius give 25x free transfer to any bank and 25x free cash withdrawal at any bank ATM every month. So we can transfer installments to BNI VA from Genius anytime without any interbank transfer fee. To list and use all of its features please install the Genius app on smartphone then follow all the registration steps. Before being able to use the transfer feature etc. we are required to activate a Genius account (verification) which can be done at all nearest BTPN branches by bringing ID card. After active account we can use all the features same as BCA savings account etc and also will be sent ATM card to the registered address. Hopefully the above information can be useful for friends of members of Zidisha especially for those who do not have BNI account, thank you

    Translated by Google     Show original

    Zidisha telah mengganti virtual account (VA) untuk pembayaran angsuran dari BCA ke BNI VA. Bagi anggota Zidisha yang memiliki rekening BNI tentu tidak akan menjadi masalah karena dapat melakukan pembayaran langsung tanpa biaya, namun bagi anggota yang hanya memiliki rekening BCA akan terkena biaya 6500 tiap melakukan pembayaran karena proses sama saja dengan transfer antar bank, Hal ini cukup membebani karena akan menambah pengeluaran tiap melakukan pembayaran.
    Oleh karena itu berikut saya informasikan solusi alternatif untuk menghindari biaya transfer antar bank tersebut.

    1. Menggunakan jasa transfer antar bank FLIP.ID
    Flip adalah perusahaan jasa transfer antar bank yang telah terlisensi oleh Bank Indonesia (BI) dan menggunakan standar KYC (known your customer) bagi semua anggotanya.
    Singkatnya Flip membantu kita agar tidak terkena fee transfer antar bank, cara kerjanya:
    - kita pilih bank yang kita gunakan dan bank tujuan transfer (saat ini Flip support bank: BCA, BNI, BNI Syariah, BRI, CIMB, CIMB Syariah, Mandiri, Mandiri Syariah, dan Muamalat)
    - Tentukan nominal transfer
    - Transfer uang dari bank yang kita gunakan ke rekening Flip dengan nominal sesuai yang telah ditentukan oleh system Flip
    - Upload bukti transfer dan tunggu prosesnya hingga selesai
    - Flip akan mengirimkan bukti transfer setelah mereka mengirimkan uang ke bank tujuan yang kita pilih (proses sekitar 10-20 menit tergantung antrian saat kita transaksi)
    - Flip hanya memproses transaksi di hari kerja Senin-Jumat (09.00-19.00) Sabtu (09.00-14.00)
    - Transaksi Flip bisa dilakukan via web atau aplikasi android

    Sebelum dapat menggunakan jasa Flip, kita diwajibkan untuk mengikuti proses verifikasi dan prosesnya juga sangat mudah karena dapat dilakukan di cabang Alfamart terdekat dengan cara menunjukan KTP dan membayar biaya IDR 4000 (info proses verifikasi: flip.id/kyc-tutorial) Pengalaman saya akun terverifikasi sekitar 30 menit setelah verifikasi di Alfamart dan upload KTP di aplikasi Flip.
    Dengan menggunakan Flip maka kita akan terbebas dari biaya transfer meski transfer dari BCA ke BNI VA

    2. Membuat rekening Jenius
    Jenius adalah tabungan online yang dikeluarkan oleh Bank Tabungan Pensiunan Nasional (BTPN) dengan fitur dan fungsi sama seperti tabungan konvensional lainnya.
    Keuntungan menggunakan Jenius adalah tidak ada batas saldo minimum, tidak ada biaya bulanan dan yang utama yang dapat kita manfaatkan adalah Jenius memberikan 25x gratis transfer ke bank manapun dan 25x gratis tarik tunai di ATM bank apapun tiap bulannya. Jadi kita bisa transfer angsuran ke BNI VA dari Jenius kapanpun tanpa biaya transfer antar bank.

    Untuk daftar dan menggunakan semua fiturnya silahkan install aplikasi Jenius di smartphone kemudian ikuti semua langkah pendaftarannya. Sebelum dapat menggunakan fitur transfer dll kita diwajibkan mengaktifkan akun Jenius (verifikasi) yang dapat dilakukan di semua cabang BTPN terdekat dengan menbawa KTP.
    Setelah rekening aktif kita dapat menggunakan semua fitur sama seperti rekening tabungan BCA dll dan juga akan dikirimkan kartu ATM ke alamat yang terdaftar.

    Semoga informasi di atas dapat bermanfaat bagi teman-teman anggota Zidisha khususnya bagi yang belum memiliki rekening BNI, terima kasih


  • Volunteer Mentor
    Mimin Munawaroh
    Cilacap, Indonesia

    Dec 1, 2017

    may alternate genius account is the best because now the zidisha liquefaction also support to BTPN bank (every Genius account with BTPN account number) Update Jan 15, 2018: it seems that zidisha is not support disbursement to BTPN yet BTPN Genius can still be the best alternative for payment installments for members who do not have BNI accounts.

    Translated by Google     Show original

    mungkin alternatif rekening Jenius adalah yang terbaik karena sekarang pencairan zidisha juga support ke bank BTPN (tiap akun Jenius disertai nomor rekening BTPN)

    Update 15 Jan 2018: tampaknya sekarang zidisha sudah tidak support pencairan ke BTPN, tapi BTPN Jenius tetap bisa menjadi alternatif terbaik untuk pembayaran angsuran bagi anggota yang tidak memiliki rekening BNI.


    Fitri Fauziyah and Sunaryo Dimun like this.

  • Adang Sulaeman
    Kab. Ciamis, Indonesia

    Jan 15, 2018

    I am happy with this post mbak mimin, because it is very helpful even though I only just read it and have not done the action. Thank you mbak mimin :) Good luck always, Amin ..!

    Translated by Google     Show original

    Saya senang dengan postingan mbak mimin ini, karena ini sangat membantu sekali meskipun saya hanya baru membacanya saja dan belum melakukan tindakan. Terimakasih mbak mimin :)

    Semoga sukses selalu, Amin..!

    • Volunteer Mentor
      Mimin Munawaroh
      Cilacap, Indonesia

      Jan 15, 2018

      Yeah mas, I"m glad if my info can help you. Congratulations to join Zidisha and succeed with your chicken farming business.

      Translated by Google     Show original

      Iya mas, saya senang jika info saya dapat membantu anda.
      Selamat bergabung dengan Zidisha dan sukses dengan usaha ternak ayam anda.



  • Kuswadi .
    Jakarta Barat,..., Indonesia

    Jan 26, 2018

    Thank you for the information. Very helpful

    Translated by Google     Show original

    Terima kasih infonya.
    Sangat bermanfaat


    Mimin Munawaroh likes this.

  • Sunaryo Dimun
    Ngawi, Indonesia

    Mar 7, 2018

    Very helpful once may be useful

    Translated by Google     Show original

    Sangat membantu sekali semoga bermanfaat


    Mimin Munawaroh likes this.

  • Joost
    Noord Brabant, Netherlands

    Mar 8, 2018

    Thank you for the info.


    Mimin Munawaroh likes this.
    • Volunteer Mentor
      Mimin Munawaroh
      Cilacap, Indonesia

      Mar 8, 2018

      Your welcome Joost
      I would like to share tips to avoid interbank transfer fees.
      In Indonesia every send an interbank transfer will be charged 6500 IDR (about $ 0.5)
      You might find it a little difficult to read the above information because auto translate produces confusing paragraphs without space.

      Translated by Google     Show original

      Your welcome Joost
      I would like to share tips to avoid interbank transfer fees.
      In Indonesia every send an interbank transfer will be charged 6500 IDR (about $ 0.5)
      You might find it a little difficult to read the above information because auto translate produces confusing paragraphs without space.


      • Joost
        Noord Brabant, Netherlands

        Mar 8, 2018

        What happens if you edit your comment a little bit. Because I think this is fixed now but your message needs to be retranslated.


        • Volunteer Mentor
          Mimin Munawaroh
          Cilacap, Indonesia

          Mar 8, 2018

          I can not edit auto translate in forum, unlike in my discussion page.
          comments in Indonesian language will be translated without spaces between paragraphs so as to produce confusing sentences in english.
          different if I immediately write a comment in english.
          If you can find the original message in Indonesian language, its better for you to copy the message and paste at google translate website so you can read it easier.

          Translated by Google     Show original

          I can not edit auto translate in forum, unlike in my discussion page.
          comments in Indonesian language will be translated without spaces between paragraphs so as to produce confusing sentences in english.
          different if I immediately write a comment in english.
          If you can find the original message in Indonesian language, its better for you to copy the message and paste at google translate website so you can read it easier.


          Joost likes this.
        • Joost
          Noord Brabant, Netherlands

          Mar 10, 2018

          I have posted a reformatted translated version of your message below.


          Mimin Munawaroh likes this.
          • Volunteer Mentor
            Mimin Munawaroh
            Cilacap, Indonesia

            Mar 11, 2018

            Hi Joost, thank you so much for your help
            it will be very helpful to understand the above information in english.

            Translated by Google     Show original

            Hi Joost, thank you so much for your help
            it will be very helpful to understand the above information in english.



  • Volunteer Mentor
    Muhammad Supriyatin
    Surabaya, Indonesia

    Mar 10, 2018

    it"s true that say mbak munawaroh I also use BTPN genius. very easy and simple free of charge 25x bank transfer within a month. without minimum balance. but the full payment info to VA BNI minimum 50rb. because I"ve tried to transfer the first installment 10rb ga can. this info is just a complement.

    Translated by Google     Show original

    benar yang di katakan mbak munawaroh
    saya juga menggunakan BTPN jenius. sangat mudah dan simple bebas biaya transfer antar bank 25x dalam sebulan.
    tanpa minimun saldo.
    tapi info lengkapnya pembayaran ke VA BNI minimal 50rb. karena saya pernah coba tranfer angsuran pertama 10rb ga bisa.
    info ini sekedar pelengkap.

    • Volunteer Mentor
      Fitri Fauziyah
      Kota Surabaya, Indonesia

      Mar 10, 2018

      Means that pay under IDR 50000 preferably via Flip alone yes. I use BNI mobile from BNI syariah. More easily in my opinion. Thank you update the information

      Translated by Google     Show original

      Berarti kalau membayar dibawah IDR 50000 sebaiknya via Flip saja ya.
      Saya pakai BNI mobile dari BNI syariah. Lebih gampang menurut saya.
      Terima kasih update informasinya

    • Volunteer Mentor
      Mimin Munawaroh
      Cilacap, Indonesia

      Mar 11, 2018

      hello mas Muhammad and mba Fitri, thanks for the additional information for transfer from genius to VA BNI can still 10ribu but add 1 digits in rear number, eg 10.001 IDR or 10.100 IDR I also do not know why can not if transfer 10.000, maybe this bug in the Genius system because 10,000 transfers are considered below the minimum cross-bank transfer limit by the Genius system. Update: after I confirm to Genius support, the minimum limit of cross-bank transfers in Genius is already specified 10.001 IDR, so it"s not a bug.

      Translated by Google     Show original

      halo mas Muhammad dan mba Fitri, terima kasih atas tambahan informasinya
      untuk transfer dari Jenius ke VA BNI tetap bisa 10ribu tapi tambahkan 1 digit di angka belakang, misal 10.001 IDR atau 10.100 IDR
      saya juga tidak tahu kenapa tidak bisa jika transfer 10.000, mungkin ini bug di sistem Jenius karena transfer 10.000 dianggap dibawah batas minimum transfer lintas bank oleh sistem Jenius.

      Update: setelah saya konfirmasi ke Jenius support, batas minimal transfer lintas bank di Jenius memang sudah di tentukan 10.001 IDR, jadi itu bukanlah bug.


      Fitri Fauziyah and Riki Rismawan like this.

  • Joost
    Noord Brabant, Netherlands

    Mar 10, 2018

    (Below a reformatted translation of Mimin’s original message to make this very useful info more readable)

    Zidisha has replaced the virtual account (VA) for installment payments from BCA to BNI VA. For Zidisha members who have a BNI account will not be a problem because it can make direct payments at no cost, but for members who only have BCA account will be charged 6500 per payment because the process is the same with interbank transfers.

    This is quite a burden because it will increase spending every time making a payment. Therefore I suggest the following alternative solution to avoid the interbank transfer fee.


    1. Using interbank transfer service FLIP.ID Flip is an interbank transfer service company licensed by Bank Indonesia (BI) and uses KYC (known your customer) standard for all its members.

    In a nutshell Flip helps us not to get the fee transfer between banks, how it works:
    - we select the bank we use and the bank transfer destination (currently Flip support bank: BCA, BNI, BNI Syariah, BRI, CIMB, CIMB Syariah, Mandiri, Mandiri Shariah and Muamalat)
    - Determine the nominal transfer
    - Transfer the money from the bank we use to the Flip account with the nominal as specified by the Flip system
    - Upload the transfer receipt and wait for the process to complete
    - Flip will send proof of transfer after they send money to the bank the destination we choose (the process is about 10-20 minutes depending on the queue when we transaction)
    - Flip only process transactions on weekdays Monday-Friday (09:00 to 19:00) Saturday (09:00 to 14:00)
    - Flip transactions can be done via web or android applications

    Before can use the services Flip, we are required to follow the verification process and the process is also very easy because it can be done in the nearest branch Alfamart by way of showing KTP d an pay fee of IDR 4000 (verification process info: flip.id/kyc-tutorial) My account experience verified about 30 minutes after verification in Alfamart and uploading KTP in Flip application.

    By using Flip then we will be free from the transfer fee even though the transfer from BCA to BNI VA


    2. Creating account Genius Genius is an online savings issued by the National Pension Savings Bank (BTPN) with features and functions just like other conventional savings.

    The advantage of using Genius is there is no minimum balance limit, no monthly fee and the main one that we can use is Genius give 25x free transfer to any bank and 25x free cash withdrawal at any bank ATM every month. So we can transfer installments to BNI VA from Genius anytime without any interbank transfer fee.

    To list and use all of its features please install the Genius app on smartphone then follow all the registration steps.

    Before being able to use the transfer feature etc. we are required to activate a Genius account (verification) which can be done at all nearest BTPN branches by bringing ID card.

    After active account we can use all the features same as BCA savings account etc and also will be sent ATM card to the registered address.


    Hopefully the above information can be useful for friends of members of Zidisha especially for those who do not have BNI account, thank you


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