Comparison

Flip vs ASTRAPAY

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Flip

Send money domestically and internationally for free or at low cost. Save on e-wallet top-ups, phone credit, and bills. Get cashback on online shopping and stay connected abroad with affordable eSIMs.

Highlights
  • Free domestic bank transfers
  • Low-cost international remittances
  • Cashback on online shopping
  • Affordable travel eSIMs
  • Cheap e-wallet top-ups
  • Discounted phone credit and data packages
  • Bill payments
Features
Read full description

YOUR DAILY SAVINGS BUDDY From online shopping to free transfers, save big on every transaction with Flip! SHOP ONLINE, GET CASHBACK Get extra cashback when shopping online using Flip Deals! You can receive up to 60% cashback when you shop at Shopee, TikTok Shop, Traveloka, Tiket.com, Agoda, and others. FREE TRANSFERS TO 100+ BANKS Transfer money using Flip to BCA, myBCA, BCA mobile, Blu by BCA, BRI, BRIlink, Mandiri, Livin’ by Mandiri, BNI (Wondr), BSI (BYOND), CIMB, Bank Jago, BTN, Muamalat, BTPN, Jenius, Permata, Superbank, Seabank, Bank Saqu, Allobank, and 100+ other banks for free! SEND MONEY ABROAD, CHEAPER THAN EVER FREE admin fee for first transaction. You can transfer money from Indonesia to 60+ countries with the best exchange rates & significantly lower fees, starting from IDR 20,000. Cheap transfers from Indonesia to Malaysia, Thailand, Philippines, China, Singapore, South Korea, Australia, Japan, India, United Kingdom, Hong Kong, United States, Turkey, & various other countries. Transfer from Rupiah to MYR (Malaysian Ringgit), SGD (Singapore Dollar), CNY (Chinese Yuan), THB (Thai Baht), PHP (Philippine Peso), INR (Indian Rupee), all possible with Flip Globe. Transfer funds to e-wallets and international banks such as TNG, GCash, WeChat, Alipay, Momo Pay, PayNow, UPI, Maybank Malaysia, CIMB Malaysia, Bangkok Bank, Kasikom Bank, DBS Singapore, OCBC Singapore, HDFC India bank, ICICI, and others. Flip Globe is an application for sending money abroad besides Topremit, Wise, TransferWise, & Western Union. LOAN UP TO IDR 100 MILLION - JUST YOUR ID CARD Selected users can access cash loan offers through Flip's trusted loan referral service. Flip works with licensed lending partners that are registered with and supervised by OJK and affiliated with AFPI. Why use Flip Pinjam? - Borrow up to IDR 100,000,000 - Flexible repayment terms from 91-360 days - Monthly installment plans - APR ranging from 10.8% to 18% per year - No collateral required - Easy application with your KTP - Fast application and fund disbursement process Example: For a loan of IDR 50,000,000 with a 360-day term and 12 monthly installments: - Monthly interest rate: 0.9% (10.8% APR÷12) - Monthly interest amount: IDR 50,000,000 * 0.9% = IDR 450,000 - Total interest payable: IDR 50,000,000 * 10.8% = IDR 5,400,000 - Total repayment amount: IDR 50,000,000 + IDR 5,400,000 = IDR 55,400,000 - Monthly installment: IDR 55,400,000 ÷ 12 = IDR 4,616,667 CHEAP PULSA AND DATA PACKAGES, STARTING FROM Rp2000 Top up pulsa and internet packages for Telkomsel, Indosat, XL, by.U, 3 (Three), Smartfren, and AXIS on Flip, guaranteed cheap. Complete price options, freely determine daily, weekly, or monthly packages according to your needs. Want to sell pulsa? You can start selling pulsa from Flip SAVE MORE E WALLET TOP UP Love ordering food from GrabFood? Save more top up OVO on Flip! Often top up GoPay, ShopeePay, & DANA for shopping on Shopee, Tokopedia, TikTok Shop & others? Save more top up GoPay, ShopeePay, & DANA on Flip! BUY DIGITAL OR PHYSICAL ANTAM GOLD, FREE DELIVERY Buy digital or physical Antam gold at the best price on Flip. Choose COD or home delivery, guaranteed safe and genuine. BUY ELECTRIC TOKENS AND PAY BILLS WITH LOWER PRICE - Buy tokens, pay PLN & PDAM bills - Pay for internet and cable TV subscriptions - Pay BPJS Kesehatan bills CHEAPEST TRAVEL ESIM Traveling abroad for holidays, business trips, umrah, hajj, study abroad, or transit? Stay connected instantly with Flip Travel eSIM! No need to change physical SIM cards, just buy and activate directly from the Flip app. Prices start from IDR 5,000 with fast and stable internet connection. EASY PAYMENT WITH QRIS Pay QRIS by scanning the QRIS code from your balance on Flip Website: flip.id Instagram, X, TikTok, Threads: @flip_id Address: 3rd Floor, Arkadia Green Park Office Tower F, Jl. TB Simatupang Kav. 88, RT 011/RW 003, Kebagusan, Pasar Minggu, South Jakarta 12520, Indonesia

About

ASTRAPAY

This digital payment solution simplifies daily transactions for bills, transportation, and daily needs. It offers convenient QRIS payments, bill settlements for various services, and easy top-ups. Earn rewards and transfer funds seamlessly.

Highlights
  • QRIS payments
  • Bill and service payments
  • Transportation payments
  • Top-up options
  • Fund transfers
  • AstraPoints rewards
Features
Read full description

Dari kebutuhan harian, bulanan, sampe tahunan #APAAJAASTRAPAY Selalu percayakan AstraPay sebagai solusi pembayaran digital di kehidupan sehari-harimu! Mulai dari memenuhi kebutuhan rumah tangga, bayar servis kendaraan, transportasi untuk pergi ke kantor, bayar asuransi hingga nongkrong di cafe yang aesthetic. Sekarang, kamu bisa bayar apa aja dengan simple, aman dan bikin kamu lebih untung karena AstraPay will always makes your day. Yuk, intip ada fitur-fitur apa aja di AstraPay: Bayar Apapun Lebih Simple Pake Scan QRIS Sekarang, Gak perlu worry lupa bawa dompet pas lagi nongkrong karena ada AstraPay yang memudahkan pembayaranmu. Transaksi lebih simple, nyaman dan aman. Bayar Ini Itu Jadi Lebih Gampang Siapa di sini yang panik kalau lampu rumah tiba-tiba mati tengah malam, pulsa mau habis saat doi minta call, kartu e-money ketinggalan pas mau naik MRT, mau masak tapi persediaan di kulkas habis, badan gaenak badan tapi mager pergi ke dokter? Nih, ada AstraPay yang bikin kamu gak panik lagi kalau kejadian tadi terjadi. - Kamu bisa bayar/beli Pulsa, Paket Data, Pascabayar, Voucher Game, Telkom, Internet, TV Kabel, PLN, PDAM, PGN, Pertagas, Donasi & Zakat, Asuransi, dan PBB dari rumah aja pake AstraPay. - Lebih nyaman naik transportasi umum tanpa takut ketinggalan kartu karena bisa bayar MRT Jakarta, TransJakarta, Trans Jateng, Trans Jatim, Trans Jogja, Trans Semarang, Trans Batam hingga Daytrans pake AstraPay - Kebutuhan harian jadi lebih hemat pakai promo dari AstraPay di SayurBox, Segari, AlloFresh, dan Halodoc. Bayar Angsuran Astra Group dan Lainnya Sekarang kamu cuma butuh satu aplikasi untuk bayar angsuran Astra Group seperti FIFGROUP, TAF, ACC, Maucash, serta tagihan bulanan, pajak dan masih banyak lagi. Top-up Tanpa Ribet Saldo AstraPay kamu kurang? Tenang, gak usah panik! Kamu bisa top-up saldo AstraPay lewat ATM, internet banking, atau m-banking dengan +10 bank rekanan AstraPay termasuk Bank Permata, BCA, BNI, CIMB Niaga, dan bank lainnya atau kamu bisa langsung meluncur ke Alfamart terdekat. Transfer ke Sesama Pengguna Sekarang, mau transfer uang untuk orang tua, istri, anak, atau doi, semua bisa kamu lakukan dengan fitur Transfer Sesama Pengguna nih, lebih cepat dan pastinya tidak ada biaya admin! Kumpulin AstraPoints Sebanyak-banyaknya 1 AstraPoints = 1 Rupiah. Yuk, kumpulin AstraPoints sebanyak-banyaknya dan tukarkan dengan voucher menarik untuk nonton, belanja, jalan-jalan dan nongkrong di cafe ternama. Temukan keasikan dalam menggunakan AstraPay untuk keseharianmu Karena mulai kebutuhan harian, bulanan sampe tahunan #APAAJAASTRAPAY!

Screenshots

Flip4 screens
ASTRAPAY4 screens

Verdict

The call

The clearest difference is rating: Flip at 4.8 against ASTRAPAY's 4.0. Flip also leads on ratings volume (255 vs 4). ASTRAPAY's advantage is monetization model (free vs free with in-app purchases) and iOS requirement (13.6 vs 15.1). On price, review sentiment, update cadence and ads there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

Flip holds the better App Store score, 4.8 against 4.0. That said, the two scores are not equally well evidenced: Flip has 255 ratings behind it against 4, so its average is the more settled of the two. Written reviews point the same way: 40% of Flip's written reviews are positive against 38% of ASTRAPAY's.

UpkeepUpdate frequency

Flip ships an update every 2 weeks, ASTRAPAY fortnightly. The most recent releases landed on September 23, 2026 and September 16, 2026 respectively.

Scorecard4 real differences · 6 level
Flip versus ASTRAPAY: the parameters behind the verdict, then further details
ParameterFlipASTRAPAY
PriceFreeFree
Rating4.8 (255 ratings) — better4.0 (4 ratings)
Positive reviews39.6% of reviews — better37.9% of reviews
Number of ratings255 — better4
Update frequencyEvery 2 weeks — betterFortnightly
AdsNoNo
In-app purchasesNoNo
MonetizationFree with in-app purchasesFree — better
DevicesiPhone, iPad, iPod — betteriPhone, iPod
Requires iOS15.113.6 — better
Further details — not scored
Size135 MB136 MB
Age rating4+4+
DeveloperFLIPTECH LENTERA INSPIRASI PERTIWI, PTASTRA DIGITAL ARTA, PT

Customer experience

Flip

All ratings255 ratings
Positive94.5%
Neutral2.4%
Negative3.1%
Written reviews134 reviews
Positive39.6%
Neutral6.0%
Negative54.5%

ASTRAPAY

All ratings4 ratings
Positive75.0%
Neutral0.0%
Negative25.0%
Written reviews58 reviews
Positive37.9%
Neutral1.7%
Negative60.3%

Bugs and requests

Flip

Reported bugs

12 issues
  • App crashes on startup or during transfers
  • Transactions get stuck or delayed indefinitely
  • Refunds are frequently rejected or take too long
  • AI customer service is unhelpful and repetitive
  • Issues with international phone number formats
Show 7 more
  • Top-up failures where balance doesn't update
  • Subscription cancellation is difficult
  • Account freezes or blocks without clear reason
  • Inability to open the app after updates
  • UI glitches and visual inconsistencies
  • Transfer status shows successful but funds not received
  • Coupon expiry dates are inaccurate

Requested features

10 requests
  • Human customer service agents
  • Faster processing times
  • Clearer coupon usage terms
  • Web version of the app
  • Support for older devices
Show 5 more
  • More bank integrations
  • Increase free transfer limit
  • Improve refund process clarity and speed
  • Better error handling for transactions
  • More intuitive UI/UX

ASTRAPAY

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

Flip

No in-app purchases

None

ASTRAPAY

No in-app purchases

Questions

Is Flip free?
Flip is free to download, with no in-app purchases.
Is ASTRAPAY free?
ASTRAPAY is free to download, with no in-app purchases.
Which has better reviews, Flip or ASTRAPAY?
Flip is rated higher. Flip averages 4.8 out of 5 from 255 ratings, while ASTRAPAY averages 4.0 from 4 ratings.
Do Flip or ASTRAPAY have ads?
Neither Flip nor ASTRAPAY shows ads.
Which is updated more often, Flip or ASTRAPAY?
Flip ships an update every 2 weeks, and ASTRAPAY fortnightly. Most recently, Flip was updated on September 23, 2026 and ASTRAPAY on September 16, 2026.

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