Naisha: How to Transfer XL Credits Now Using Your Personal Smartphone

XL Direct Debit is now available for the use of the user’s personal smartphone. So, I wonder if XL providers will make it easier for users to share credits in an emergency. This feature is very useful if you need an emergency credit to be able to communicate using an XL card.

Based on that, the provider offers the ability for credits to fellow users. However, the provider also sets conditions for using the direct debit feature. If you do not meet the conditions set by the provider to use the direct debit function, you will not be able to process the request further.

Therefore, please make sure that you meet the applicable terms and conditions in order to be able to use the feature for credit to fellow XL users. If you have any complaints or obstacles in sending credit to a fellow XL user, you can contact the call center service provided by the provider directly to respond to the complaint immediately.

Terms and conditions of use of the XL Credit Transfer feature

In fact, XL credit transfers can be done directly from a personal smartphone. In fact, this function for credits can be done anytime and anywhere. However, there are some requirements that users must and must follow.

Therefore, many XL provider users wonder if they are aware that the reason for this account transfer failure is because they do not comply with the set terms and conditions. Therefore, you need to know the requirements to use this feature. Among them are the following:

  1. There is a minimum amount for credit delivery

The first requirement is that the sender must leave a minimum credit balance of Rp.5,000. If the remaining balance is below the minimum, the provider rejects the request sent by the sender.


  1. Minimum Transfer Credits

The second condition is that there is a minimum amount of credit for a single transaction. XL is one of the providers that enforces the minimum minimum credit rule. Another provider may offer the lowest remittance credit Rp. If set to 5,000, the minimum transfer credit for this XL is Rp. 1,000. XL Direct Debit is now cheaper than other competing providers.


  1. Account transfer fee

The third condition is that the sender is charged a direct debit fee between users in the amount of Rp.500 per transaction. There is also an upper limit to the number of applications you can make. You can only send 5x requests per day, and the maximum credit balance sent is about Rp. 1,000,000.


  1. The validity period of the user’s XL card

The fourth requirement is that the sender’s XL card must be active for at least the next 30 days. In addition, the starter pack used by this sender has been in use for at least 180 days.


XL Direct Debit Method by Short Message (SMS)

XL Direct Debit can now use the short message or SMS method. This method is considered to be the easiest and is guaranteed to be 100% successful if it meets the requirements set by the providing party. The method of transferring XL credits using this short message method is very fast.


First, enter the SMS menu. Next, enter the transferred nominal credit as a BAGI (space) destination number (space) to describe the format of the XL credit. Next, send the SMS format to the number 168. You will then see an SMS confirming the direct debit. Then press Y to continue. Wait a few moments for the emergency credit to be forwarded to the recipient’s phone number.


XL Credit Transfer Method with USSD Call

The XL credit method is also known as the USSD. This method is also easy and practical for those who want to share their credits with fellow XL users. The usage of this method is very simple.


Just open the call menu. Then dial *123*168# and press Call. Then enter the XL number from which you will be transferring the emergency credit. Next, enter the nominal amount of the transferred credit.


Wait for the credit verification code to appear. If you see a code, enter the verification code and press Enter. Also, the XL credit transfer process can now be notified when a transaction is declared successful.


How to debit your account via the XL website

The official website of XL is also one of the media to share credits with fellow users. Maybe this method is a bit complicated because you need to get into the XL website first. However, this is one of the safest ways as the official XL website will not be compromised by hackers. This method is also very simple.


To get started, visit XL’s official website Then, select the option to share or transfer credits. Enter the desired phone number. Next, enter the name that will be forwarded to the credit beneficiary number. Please wait for a while until you receive an SMS with a verification code. Enter the code. Then, press Send.


How to make a direct debit with the MyXL app

XL Direct Debit can now be performed using the MyXL application. Apparently, the MyXL application is not only used to check and replenish credit and internet data quotas. However, this application from XL also helps credit to fellow XL provider users. This method is also considered to be easier and safer.


First, download and install the MyXL application from Google Play Store (Android phone) or App Store (iOs Phone). Next, enter the XL number for the account registration process.


On the application page, please see the account transfer menu. Next, you will see an electronic form display of the credits. Enter the phone number you want to transfer to and the nominal amount of the credit that will be transferred.


You will then receive a tokencode via SMS. Enter the code and press Send. Please wait for the credit you sent to enter your destination number. Therefore, it can be said that XL Direct Debit is easier, more practical and faster.


What happens if the XL debit process is declared to fail to send?

In some cases, this credit process can cause problems that cause the transfer to fail. This is indeed very disappointing because the recipient needs an emergency credit for something.


If the XL debit process is declared unsuccessful, you should contact Customer Service immediately. XL direct debit failures can now be contacted directly to the call center, so you can get help depending on the cause. The call center service offered by XL providers has quite a few choices and is active 24 hours a day, seven days a week.


XL Call Center services can be contacted via interactive phone, social media, and digital applications. For XL Call Center service via interactive phone, please contact 817. This XL call center by phone is fully active 24 hours a day.


In addition, you can file a complaint via the social media of @myXLCare (Twitter) or @myXL (Facebook fan page). You can then also file a complaint via the MyXL application. That’s because the application provides a live chat feature. Therefore,  XL debit failures can now be contacted directly from the Call Center from the MyXL application.


XL Credits is one of the features for getting “urgent” credits from fellow users. This feature is very simple and can be used by anyone as long as they follow the applicable terms and conditions. XL Provider offers four direct debit methods: Also, to monitor the status of your credits, the XL credit transfer process can now be viewed directly from the MyXL website or application.

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