How to Top Up ShopeePay from Singapore (2026 Update): Instant, Best Rates, and Hassle-Free

We fully understand that one of the biggest challenges when working or living in Singapore is ensuring that money transfers reach your family in Indonesia in the most efficient way. The main problem is always the same: bank transfers from SGD to IDR are slow, the exchange rates are often unfavorable, and the funds only land in a bank account. In reality, that money needs to be used immediately for urgent needs!

ShopeePay is no longer just an e-wallet; it is a primary tool for online shopping on Shopee, paying bills, and even offline transactions with various discounts. Sending money should result in funds that are ready-to-use in the ShopeePay balance, without the need for additional transfer processes that consume time and money.

Therefore, we introduce Transfez as a legal digital remittance solution that has received official permission from Bank Indonesia. This article is your complete guide to the latest 2026 process on how to top up ShopeePay from Singapore, guaranteeing instant transfers with the most profitable exchange rates.

How to Transfer Money from Singapore to ShopeePay

This section is the core of your guide, explaining the detailed steps while comparing conventional methods with Transfez.

1. Why is Cross-Border ShopeePay Transfer Not Direct?

Currently, there is no direct P2P (Person to Person) feature that allows you to perform a ShopeePay transfer across countries, such as from a Singapore Shopee account to an Indonesia Shopee account. This process must involve a licensed remittance platform like Transfez.

• The Risk of Using Banks: Sending SGD to an Indonesian bank account is slow, and the family in Indonesia must then move the money from the bank to ShopeePay (often incurring additional top-up fees). The total cost is much higher because banks charge double fees (sender and intermediary).

2. The Transfez Advantage: A Digital Bridge Solution

Transfez overcomes these complexities because they are directly integrated with e-wallet payment systems in Indonesia.

• Legality: Transfez is an official fund transfer service provider supervised by Bank Indonesia, guaranteeing the security of ShopeePay Singapore to Indonesia transactions.
• Profitable Rates: Transfez offers rates close to the mid-market rate, which are much better than bank selling rates.
• Direct Access: You don’t need a bank account number; just the mobile number registered with ShopeePay.

3. Key Preparation Before Transfer

Before starting your top up ShopeePay from Singapore, ensure these two things are met:

• Transfez Verification (KYC): Download the Transfez app and complete your account verification (KYC). This is essential to get maximum transfer limits and meet regulatory compliance.
• ShopeePay Plus is Mandatory: The recipient in Indonesia must upgrade their ShopeePay account to ShopeePay Plus or Premium status via KTP verification. Standard accounts cannot receive top-ups from overseas.

Read Also: How to Send Money from Singapore to OVO in Real-Time: The Quickest and Cheapest Transfez Guide

Practical Steps to Transfer to ShopeePay from Singapore Using the Transfez App

Follow this step-by-step guide in the Transfez app carefully:

1. Select Route and Amount: In the Transfez app, set the transfer from SGD (origin) to IDR (destination). Enter the amount; the app will immediately display the total IDR received, the fee, and the current exchange rate.
2. Select ShopeePay as Destination: When choosing the recipient, do not select “Bank Transfer.” Select the “E-Wallet/Digital Wallet” method, then choose ShopeePay from the list.
3. Enter ShopeePay Mobile Number: Enter the mobile number registered to the recipient’s ShopeePay account. After the number is entered, the account owner’s name will appear for confirmation.
4. Fast SGD Payment from Singapore Bank: To fund your Transfez wallet, we highly recommend using PayNow. Transferring SGD via PayNow reaches the Transfez account in seconds, accelerating the entire process.
5. Confirmation and Instant Funds: Once Transfez receives your SGD, the conversion to IDR and ShopeePay top-up is done automatically. The recipient will see their balance increase within minutes.

Read Also: Send Money to DANA from Singapore: Fast & Easy with Transfez

Rates, Fees, and Limitations

To maximize the Rupiah received by your family, you must understand the financial aspects and regulatory limits.

1. Favorable SGD to IDR Rates

Transfez offers the most profitable SGD to IDR rates because they operate with minimal spreads from the mid-market rate. Even a small difference in the rate can result in a significant difference in the final Rupiah amount for large transfers.

2. Low and Transparent Flat Fee

You don’t have to worry about exorbitant admin fees for topping up ShopeePay from abroad. Transfez applies a low flat fee of 5 SGD, which is clearly stated at the start of the transaction.

3. ShopeePay Plus Balance Limits

This is a critical point for a successful transaction:

• Balance Limit: ShopeePay Plus has a maximum balance limit of Rp 20,000,000. If your transfer causes the recipient’s balance to exceed this, the transaction will fail.
• Transfez Transaction Limits: 

Tier 1: Max SGD 1,500 (approx. Rp 19,000,000) per transaction.
Tier 2: Max SGD 3,000 (approx. Rp 38,000,000) per transaction.
Annual Limit: Max SGD 30,000 (approx. Rp 383,000,000).

How Long Does the Transfer Take?

Because you are topping up ShopeePay from Singapore through a digital platform, the transfer speed is instant or real-time. Once Transfez receives your SGD payment (which is instant via PayNow), the ShopeePay top-up takes mere seconds. Compared to 2-3 bank business days, this is an extraordinary time-saving.

Using Transfez is the smartest and most efficient way to top up ShopeePay from Singapore. The platform solves the problems of expensive rates and slow speeds associated with conventional banks. You get the most profitable SGD to IDR rates, transparent fees, and real-time speed.