How do I send money?
Log in using your mobile phone number and PIN.
Click the "Send Money" button.
Enter the amount you want to send or will be received by the recipient, and click "Continue".
Click the button "+ New Recipient" or select recipients from the list of recipients for previously registered recipients.
For new recipients, enter the recipient's information completely and correctly, make sure the name registered matches the name on the recipient's bank account, and click Continue.
After all information is correct, the Pay Before page will appear where you are asked to complete the payment via available methods, namely: Bank Transfer / PayNow / Cash Deposit.
Click "I have paid" if you have made a payment.
Your payment will be verified by our team approximately within 15 minutes.
Save your Transaction Number for queries and concerns related to the transaction.
What are the operating hours for conducting transactions?
you can create transactions 7 days a week, 24 hours a day.
How long does it take to process my transaction?
Once you have made the payment, click the "I have paid" button
Please wait while we verify your funds which will take approximately 15 minutes
After we have received and confirmed the funds, we will transfer the money to the recipient bank account and should be received within 30 minutes during working hours.
Is there a limit for sending money with KirimUang.com?
Outward Remittance limit
Monthly limit is maximum of SGD 10,000 per customer
Yearly limit is maximum of SGD 30,000 per customer
Is there a time limit for transferring to the Kirim Uang deposit account?
Payment transactions have an active period of 2 hours from the time the transaction is completed. If you do not make a payment within the time limit, the transaction will be canceled automatically by the system .
Can I cancel my transaction?
Yes you can, as long as you have not made any payment.
What if I have entered an incorrect amount upon payment?
KirimUang.com will not process transactions whose amount is different from the amount that has been previously informed. You can apply for a refund, by contacting the Customer Service agent by clicking the "Chat Us" button .
Why was my transaction canceled by KirimUang.com?
Transactions that we cancel can occur due to several reasons, including:
wrong recipient data
transactions exceeding prescribed limit
being rejected by the receiving bank
the recipient is included in the sanctions list
KirimUang.com has the right to refuse a transaction if you are a person on the list of Suspected Terrorists and Terrorist Organizations
How long does it take to process the refund for my canceled transaction?
The processing time for canceled transaction refunds is within 21 working days since your refund request is approved.
If you haven't received your refund within the specified time, please contact Kirimuang customer Service agent via the "Chat Us" icon.
What does each transaction status mean?
We are waiting for payment from you
We are currently verifying your payment
We have verified your payment and we are processing your transaction
Remittance in Progress
Your transaction has been sent to the receiving bank in Indonesia
We have successfully transferred money to the beneficiary's account
Your transaction has passed the payment deadline
You canceled the transaction that was made or we were unable to process your transaction
We have returned the funds to your bank account
If I work as a migrant worker and don't have a bank account, can my employer transfer on my behalf?
If you don't have a bank account, you can either:
come to one of the Indostop stores and make payments in cash by yourself, or
ask your employer to make payment by transferring the money from his/her bank account to Kirimuang bank account. Please note that we only accept payment from an employer whose name is displayed on your work permit. We do not accept payments from names other than the name of the employer on the work permit.
Changing your PIN can be done by clicking "My Account" icon in the lower right corner, and then select "Change PIN".
You need to make sure you have entered the registered mobile number and the correct PIN . If you forgot your PIN you can change it to a new one by clicking Forgot PIN and relogin.
You can change your PIN through the following steps:
Please contact the Customer Service Agent to help you reactivate your account.
There are 84 banks including BRI, Mandiri, BNI, BTN, BCA, CIMB Niaga, Bank Permata to name a few. Please click here to check the list of banks.
Safety is our priority. You can track your transaction to ensure the delivery process reaches the beneficiary.
Apart from being officially licensed as a fund transfer provider from the Monetary Authority of Singapore. KirimUang.com ensures your money is sent safely in every transaction
KirimUang.com has an encryption system with a layer of protection that ensures the security of your data. Exchange of information through the server is also encrypted using SSL on a server located in Singapore
Kirim Uang Singapore Pte. Ltd. ("Kirim Uang") is a private limited company established under the laws of the Republic of Singapore, domicile in Singapore, who is the owner and manager of a mobile app and website www.kirimuang.com (“Platform”). Kirim Uang is a digital platform that provide an online money transfer services via mobile app (“Service”), especially for Indonesian workers overseas who wants to send money for their family in their hometown (“Customer”).
Purpose of Collection
We collect your personal information so that we can perform our business activities and provide you with the service that you need. Generally, we only collect information to provide you with a specific services and you have consented to that collection.
The personal information that you provide is collected for the following purposes:
· Identifying you and your beneficiary in compliance with the applicable anti-money laundering/counter-terrorism (“AML/CTF”) Act and its regulations of the country or territory where you are sending money; and our own internal AML/CTF policies and procedures.
· Providing us with the information we need to effectively and efficiently transfer your money, and administering the other services that we provide or any other services provided by our affiliates, associates, and service providers.
· Sending communications requested by you or obtaining additional information from you to effectively complete the transfer of your money.
· Managing your relationship with us or our affiliates and associates including updating our records and keeping your contact details up to date.
· Providing your updated personal information to our affiliates and associates, banks, partner financial institutions, contractors, or service providers to effectively complete the transfer of your money.
· Conducting business research, data processing, and statistical analysis on our customers.
· With your consent, providing you with information about other services offered by Kirim Uang or its affiliates and associates, partner banks and financial institutions.
· With your consent, providing you with information about other products and services offered by third parties which may be of interest to you.
· Complying with any law, rule, regulation, lawful and binding determination, decision, judgment, or direction of a regulator or in cooperation with any governmental authority of any country (or political subdivision of a country).
If you do not provide us with the personal information described above, we may not be able to comply with our legal obligations and properly manage our business risks. Hence, we may not be able to provide you with our services.
We are required by the applicable AML/CTF Act and its regulations, and our internal AML/CTF policies and guidelines to keep your personal information for a period of at least five (5) years unless a longer period is prescribed by law enforcement bodies in the corresponding country where you are located or the courts and any government authority that requires us to do so. While we have your personal information, we will safeguard it according to established industry security standards.
Kirim Uang required to collect and process your personal information under the Anti-Money Laundering and Counter-Terrorism Financing laws as applicable.
Personal Information is any information that can be used to personally identify you. If the information we collect personally identifies you or you can be reasonably identified from it, the information shall considered as personal information.
Personal information we may collect are as follows:
1. Personally identifiable information, which includes:
a) Identification details, such as name, date of birth, gender, signature, nationality or identity documents i.e driver’s license, passport, working permit or any forms of identification;
b) Contact details, such as residential or postal address, email address or telephone number;
c) Employment information, such as nature of your work or profession, name of employer, address of work place;
d) Financial information, such as source of income, source of funds being remitted through our Platform or your bank account detail;
e) Details contained in the relevant document that you key in when you use our Services. These details may include your name, handphone number, email, the purpose of your query, and details about your will;
2. Information about your computer hardware and software when you use our Platform. The information can include: your IP address, browser type, domain names, access times and referring website addresses. This information is used by Kirim Uang for the operation of the Services, to maintain quality of the Services, and to provide general statistics regarding use of the Platform.
3. Information on the purpose of transaction, and the persons who will receive the money that you are sending such as contact details, banking and financial information, and your relationship to such person.
4. Information relating to you that you provide to us directly through our websites or indirectly through the use of our websites or other online facilities, or through our representatives or otherwise.
Terms of Information Collection
We collect your personal information directly from you unless it is unreasonable or impracticable to do so. For example, we collect your personal information when you apply for or use a product or service, or when you talk to us or our representative in person or on the phone. We also collect information from you electronically; for instance, when you visit our website, send us an e-mail, or whenever you apply for access to our products and services electronically.
We may also collect information about you from other people or organizations. This may happen without your direct involvement. For instance, we may collect personal information about you from: our affiliates, associates, agents, and other representatives; publicly-available sources of information, such as public registers; your representatives (including your legal adviser, financial adviser, executor, administrator, guardian, trustee, or attorney); your employer; credit reporting agencies; other organizations, who jointly, with us, provide products or services to you; commercial information service providers, such as companies that provide fraud prevention reports; law enforcement agencies and other government entities.
It is understood that you authorize us to verify personal information that you have provided from any government regulatory body for purposes of complying with the customer identification requirements of the applicable AML/CTF Act and its regulations, and our AML/CTF financing policies and guidelines.
Your personal information shall not be used or disclosed for purposes other than those for which it has been collected, except with your consent, or unless we are required by law to do so.
Kirim Uang does not sell, rent, lease, or release your Personal Information to third parties. Kirim Uang may, from time to time, contact you on behalf of external business partners about a particular offering that may be of interest to you. In those cases, your unique Personal Information is not transferred to the third party without your explicit consent. In addition, Kirim Uang may share data with trusted partners to help us perform statistical analysis, send you email or provide customer support. All such third parties are prohibited from using your personal information except to provide these services to Kirim Uang, and they are required to maintain the confidentiality of your Personal Information.
Disclosure of Personal Information
Kirim Uang will disclose or share your Personal Information, without notice, only if required to do so by the corresponding government authority, regulator, and/or any law enforcement agency or any law or in the good faith belief that any such action is necessary to: (a) comply with any legal requirements or comply with legal process served on Kirim Uang or the Platform; (b) protect and defend the rights or property of Kirim Uang; and (c) act under exigent circumstances to protect the personal safety of users of the Platform, or the general public.
We may disclose your personal information to:
1. our employees, affiliates and associates, banks, contractors or service providers for the purposes of operation of our business, including, without limitation, web hosting providers, IT systems administrators, couriers, payment processors, data entry service providers, call centers, electronic network administrators, our auditors, and our professional advisors such as accountants, auditors, lawyers, business advisors and consultants; and
2. third parties: (a) in the event that we sell or buy any business or assets, in which case we may disclose your personal data to the prospective seller or buyer of such business or assets; (b) if Platform or substantially all of its assets are acquired by a third party, in which case personal data held by it about its customers will be one of the transferred assets.
The Platform uses “cookies” to help you personalize your online experience. A cookie is a text file that is placed on your hard drive by a web page server. Cookies cannot be used to run programs or deliver viruses to your computer. Cookies are uniquely assigned to you, and can only be read by a web server in the domain that issued the cookie to you.
Most Web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. If you choose to decline cookies, you may not be able to access all or parts of our Platform or to fully experience the interactive features of the Kirim Uang services or websites you visit.
Security of Your Personal Information
We strive to maintain the safety of your Personal Information. Any transactions will be encrypted using SSL technology. Unfortunately, no internet-based service is completely secure. Although we will do our best to protect your personal data, we cannot guarantee the security of your data transmitted to our site; any transmission is at your own risk. Once we have received your information, we will use strict procedures and security features to try to prevent unauthorised access.
Access to, Updating, and Non-Use of Personal Information
Subject to the exceptions referred to in section 21(2) of PDPA, you have the right to request a copy of the information that we hold about you. If you would like a copy of some or all of your personal information, please send an email to firstname.lastname@example.org. We may make a small charge for this service.
We want to ensure that your Personal Information is accurate and up to date. If any of the information that you have provided to Kirim Uang changes, for example if you change your email address, name or contact number, please let us know the correct details by sending an email to email@example.com. You may ask us, or we may ask you, to correct information you or we think is inaccurate, and you may also ask us to remove information which is inaccurate.
You have the right to ask us not to collect, use, process, or disclose your Personal Information in any of the manner described herein. We will usually inform you (before collecting your Personal Information) if we intend to use your Personal Information for such purposes or if we intend to disclose your Personal Information to any third party for such purposes. You can give us notice of your intention to halt the collection, use, processing, or disclosure of your Personal Information at any time by WA Chat at (+65) 89028000
Changes To This Statement
You have the right not to approve or withdraw approval of the use, management, transfer and disclosure of your personal information by a Kirim Uang to the extent that it complies and/or is not limited by applicable laws and regulations. But please keep in mind that by withdrawing the agreement regarding your personal information, Kirim Uang may not be able to contact you and/or provide the services you need.
Office address :
37 Jalan Pemimpin #08-12
About Kirim Uang
Kirim Uang Singapore Pte. Ltd. ("Kirim Uang") is a limited liability company established under the laws of the Republic of Singapore, domicile in Singapore, who is the owner and manager of a mobile application and Platform named www.kirimuang.com (“Platform”). Kirim Uang is a digital platform that provide an online money transfer services via mobile app (“Service”), especially for Indonesian workers overseas who wants to send money for their family in their hometown (“Customer”).
The Customer hereby agree to comply with any and all guidelines, notices, operating rules and policies and instructions relating to the use and/or access to the Platform, as well as any changes made by Kirim Uang, from time to time. Kirim Uang reserve the right to make revisions to guidelines, notices, operating rules, policies and instructions at any time and Customer are deemed to know and be subject to any of the above changes after notification or publication of such changes on the Platform or notification through other media.
Customer’s communication with Kirim Uang can be done through the Platform using the features provided. Customer are considered to know, agree and are willing to accept any form of notification or information that comes from the Platform through various communication media, including but not limited to email, WhatsApp and other communication media that may exist in the future.
Kirim Uang has right to increase, add variations, modify, put on hold, stop providing, delete, either in whole or in part from the Platform, without giving reasons & prior notice, and are not responsible if the increase, variations, modification, suspension or deletion prevents Customer from accessing the Platform.
Kirim Uang has right to do the following matters:
Restrictions and Prohibited Actions
In the using of Kirim Uang Platform, the Customer hereby agree that will not:
Customer are Prohibited to:
Customers may use KirimUang services only for lawful purposes. Customers may not use our Services:
Unsupported businesses and transactions
We do not support businesses or transactions which are involved in any of the following categories, such businesses or transactions may be declined. While this list is representative, it is not exhaustive, and we reserve our right to deny our services to any customers who exceed our risk tolerance.
Regulated or illegal products and services
Payments for the sale of alcohol to retail customers are not supported.
Any other products or services related to legal marijuana trade.
Any equipment, product, or material which is intended for making, using, or concealing drugs.
Any product or service that directly infringes or facilitates infringement upon the copyright, patent, trademark, trade secrets, proprietary, or privacy rights of any third party.
Financial and other professional services
Including payments for the purpose of purchasing cryptocurrencies.
Other restricted activities
Weapons (including weapons of historic significance), military software, or any other goods or services intended for military use.
Unregistered charities are not supported from any regions.
Including any other services promising unreasonably high rewards.
Right & Obligation
B. Kirim Uang
Data provided by Customer must be accurate, complete and valid. If the data provided is inaccurate or incomplete or invalid, then Kirim Uang has the right to delete, stop or deactivate the account in question.
Limitation of Liability
We'll look into your case and will send you a final response within 30 working days via email.