• Micheal Williams

General information about transferring funds using IPIP-IPID.

This note is intended to provide a little technical knowledge so that you understand what IPIP or IPID is, which we often hear about, we have seen in various banking operations and of course from my personal experience over the past few times, when my email account is always filled with various information about IPIP, sometimes in shocking amounts, but almost all of it requires some processing to make this transfer scheme work.

All financial resources in the main worlds are transferred by servers in a virtual Bank or electronic Bank, where the server is connected to a shared Bank account, or usually called a shared account, which is used in the server-to-server method. The currency transfer method is performed by a server where money from a shared Bank account is entered into the recipient's shared account, and it is uploaded or uploaded by the sender or recipient employee.


In the IP / IP method, the currency record is uploaded to the receiving server. When using the IP / ID method, the currency record can be uploaded to the receiving server. In the STOs method, currency exchange is performed in the form of a windows time launcher, which is sent by the receiving employee who has full control of the server. This method is less secure because it is not possible to place a box or capsule on the server line when it is running.

When a currency transfer has a very large volume, in other words, it is considered the basis of currency exchange, due to the fact that the recipient cannot upload or download the IMF money, this action is performed by the fund's employee, who is the head of the server in the banks. The main world, and the receiving server line should be open. There should be no obstacles in the way of transferring money to the server, so that digital characters can be easily replaced and sent to the receiving server as best as possible.

Difference between IPIP and IPID

When using the IP/IP method, all necessary funds are sent to the receiving Bank to convert boxes or capsules into currency.

In the IP/ID document method, money is provided by the receiving Bank, and the sender only sends Perfect Money and numeric characters.

Sometimes the DTC (Digital Transfer Central) can perform the currency exchange procedure. In other words, it transfers the currency to a shared account at the Central Bank.



Sometimes money transfer methods: from server to server, from employee to employee (BO to BO) , or from Bank to Bank. Thus, the sender and recipient have nothing to do with the conclusion of important contracts and guarantees, and only employees of the two banks communicate with each other. At the same time, all stages of currency transfers are carried out from A to Z.


All banks (or companies) must have the following options for accepting currency:


  1. The Server is connected to a commercial Bank account.

  2. The main clerk or server employee who is used to loading or unloading server currency.

  3. License and authorization of tasers on the band server.

  4. The accepted amount of the entered currency.

Reaching out to potential recipients

As is well known, there are currently many methods of working related to the IP-IP and / or IP-ID scheme, as well as several other money transfer schemes, so you do not waste time, then if you get information by email, WA and others you need to do this:


Ask the sender to send a screenshot to a Bank employee and send a copy to your email address

Ask the sender to send the same MT199

If this simple procedure displeases the sender, then the transaction is 99% fake.


This article is written by a Malaysian Bank Officer!

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