Pengertian : Transit account adalah rekening transit tempat penyimpanan sementara sebelum ditempatkan pada rekening yang sebenarnya. Penjelasan ini bersifat umum terhadap semua rekening, seperti rekening tabungan di bank, rekening trading di broker, rekening transaksi online, email account, social media account, dan lain sebagainya.
Contoh transit account : Karena bersifat umum, maka saya ambil contoh transaksi jual beli online dengan menggunakan ‘rekber’ atau rekening bersama. Anda berniat untuk membeli seperangkat console games dengan harga Rp 7 juta dari salah satu seller yang ada di forum jual beli. Anda sebagai buyer dan seller tersebut, sepakat untuk menggunakan jasa rekening bersama, yaitu dana ditempatkan pada sebuah rekening khusus yang difasilitasi pihak ke-3.
Anda kemudian mentransfer uang sebesar Rp 7 juta plus biaya jasa rekber. Buyer kemudian dikonfirmasi oleh agen rekber ketika uang telah masuk ke rekening, dan selanjutnya mengirimkan barang sesuai pesanan. Ketika Anda telah menerima barang tersebut, uang dalam rekber itu kemudian di transfer ke rekening penjual.
Atau misalkan Anda yang sering beranja di marketplace seperti Tokopedia, Shopee, Lazada, dan lain sebagainya. Ketika akan melakukan cashout, ada pilihan untuk Anda metode pembayaran apa yang akan digunakan. Ada yang namanya virtual account. Jadi uang yang Anda transfer ini sementara disimpan dalam virtual account yang dibuat sesuai dengan nomer ponsel atau indentifier Anda di marketplace tersebut. Nah,ketika barang pesanan telah sampai ke tangan Anda, maka uang di rekening virtual ini akan di transfer ke rekening seller.
Kesimpulan : rekening bersama ataupun virtual account itu bisa dikatakan sebagai transit account, yaitu tempat sementara uang disimpan sebelum akhirnya uang yang ada dalam rekening dipindahkan ke tempat yang semestinya.
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