Flip review
Updated October 12, 2026 · SumCue Editorial Team
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.
Our verdict
Flip differs from a standard loan provider because borrowing sits inside an Indonesian everyday money app with transfers, bills, shopping rewards and investment tools. For households in Indonesia juggling bills and transfers, it keeps borrowing beside daily spending and sending in one place.
Key facts
- Best for
- Indonesian households combining borrowing with everyday transfers
- Loan amount
- IDR 100,000,000↗
- Funding time
- Disbursed within minutes after approval↗
- Lender type
- Broker↗
- Eligibility
- Ages 17+ and legally competent; verification with Indonesian ID (KTP), passport or driving licence (SIM)↗
- Loan types
- Personal↗
- Legal entity
- PT Fliptech Lentera Inspirasi Pertiwi↗
- Headquarters
- Indonesia↗
- Support channels
- Help-centre, Chat, Phone↗
- Features
- Credit line, Same-day funding
- Official website
- flip.id
Facts checked September 26, 2026, 2 sources
Apps and profiles
- Get the app
- App StoreGoogle Play
- Elsewhere
Pros and cons
Pros
- Handles domestic bank transfers and overseas sending inside one everyday app
- Combines borrowing with bill payments, e-wallet top ups and shopping rewards
- Supports wealth options such as digital gold, physical gold and crypto
- Operates under supervision of Bank Indonesia for regulated handling
Cons
- Focus stays on Indonesian everyday needs, limiting appeal for other residents
- Loan choice looks narrow beside general transfers, bills and investment tools
- App centred design offers little for people wanting in person help
Who it suits
- People handling Indonesian bills, transfers and borrowing together
- Shoppers who value rewards on routine online purchases
- Senders supporting family or business needs abroad
Who should look elsewhere
- People seeking specialist long term lending options
- Households outside Indonesian banking coverage
How Flip compares
Where Flip is available
- Available
- Indonesia
- Licence in Indonesia
- Bank Indonesia (18/196/DKSP/68 (converted to PJP Category Izin 3 by BI letter 23/1363/Jkt/Srt/B, 29 December 2021)), checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What is Flip?+
Flip is an Indonesian app for shopping rewards and money movement between banks. It also supports overseas sending, bill payments, e-wallet top ups, borrowing and investment options. Supervision by Bank Indonesia supports secure and trusted everyday transactions.
Which countries and banks does Flip serve?+
You can move money to more than 100 banks for domestic needs. You can also send money abroad to more than 80 countries for family, medical or business purposes. The service is built around Indonesian accounts and everyday sending habits.
What borrowing does Flip cover?+
Flip covers borrowing where you complete your details for consideration. Decisions arrive quickly and funds are released shortly after approval for everyday needs. Borrowing sits in the same app as transfers, bill payments and other everyday money tools.
Which company operates Flip?+
Flip is operated by PT Fliptech Lentera Inspirasi Pertiwi. (Source, checked September 26, 2026)
Where is Flip based?+
Flip is based in Indonesia. (Source, checked September 26, 2026)
How can I contact Flip support?+
Flip offers support through Help-centre, Chat, Phone. (Source, checked September 26, 2026)
Sources
- flip.id checked September 26, 2026
Backs: Loan amount, Features, Funding time, Headquarters, Loan types, Support channels
“Ajukan Pinjaman Limit hingga IDR100 Juta”
- flip.id/id/syarat-dan-ketentuan checked September 26, 2026
Backs: Eligibility, Legal entity, Lender type, Licences
“dikembangkan, dioperasikan dan/atau disediakan oleh PT Fliptech Lentera Inspirasi Pertiwi”
Compiled from 2 source pages, checked October 13, 2026. We did not open an account.
Not confirmed yet: APR, Term, Arrangement fee, Credit check, Representative example.