Best ways to send money to Indonesia from Australia | Finder

Send money to Indonesia

Shop around for the best money transfer service for sending money to Indonesia.

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Whether you're helping out family in Bandung or opening an office in Jakarta, you don't want to deal with a stressful and costly process. Compare the transfer fees and exchange rates of the options available to you to get the most Indonesian rupiahs for your dollar.

Send money to Indonesia with WorldRemit

Send money to 110+ countries for bank deposit, instant e-wallet, mobile top-up or cash pickup at 30,000+ agent locations worldwide.

  • Send money online within minutes
  • Large range of destinations
  • Able to send to cash pickup locations
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Compare services to send money to Indonesia

Use our comparison table to quickly see rates for your next transfer to Indonesia by entering the amount you want to send and clicking calculate.

Min. Transfer Amount Transfer Speed Online Transfer Fee Rate Amount Received Description CTA Details
GBP 0 1 - 2 days AUD 1.99 11067.967 IDR
11,045,942
Special offer: $40 off when you transfer more than $250+ with code AUFIND40, conditions apply.
Azimo sends money directly to a bank account or over 280,000 cash pick-up points. It also has fast transfers to 50+ countries.
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AUD 5 1 - 2 days EUR 3.00 11012.238 IDR
0
Special offer: Zero fees on your first 10 transfers.
CurrencyFair has bank-beating exchange rates and fast transfer times on 15+ popular currencies.
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AUD 250 1 - 2 days AUD 15.00 11034.53 IDR
10,869,012
$0 transfer fees for Finder customers.
OFX has no maximum limit transfers, with competitive exchange rates for 45+ currencies.
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AUD 1 1 day AUD 10.00 11145.978 IDR
11,034,518
Pay no fees on your first two transfers, up to $3,000.
SingX offers the real exchange rate every time you make a transfer and can help you send money across the world.
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AUD 10 Within an hour AUD 2.99 11023.384 IDR
10,990,424
Special offers like free transfers and better exchange rates available for new customers.
Remitly has quick, affordable transfers around the world, with both express and economy options.
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AUD 1 Same day AUD 3.99 11112.551 IDR
11,068,212
Use promo code 3FREE to send your first 3 transfers with no fee. Conditions apply.
WorldRemit sends money to 110+ countries for bank-to-bank deposits, cash pick-ups or mobile top-ups.
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AUD 200 1 - 2 days AUD 5.00 11,121.038 IDR
11,065,433
Exclusive: Use code FINDER10 to receive US$10 off your first transaction.
InstaReM offers simple transfers with a flat 0.5% transfer fee for most transfers. Zero-margin rates on some currencies.
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AUD 1 1 - 2 days AUD 6.00 11145.878 IDR
11,079,003
Wise uses the mid-market rate and transparent fees to help you send money in 50+ currencies. Go to site Show details

Compare up to 4 providers

Disclaimer: Exchange rates change often. Confirm the total cost with the provider before transferring money.

What's the best way to send money to Indonesia?

Online money transfer providers typically offer the strongest exchange rates and lowest fees on money transfers to Indonesia. Some offer cash pickup in as little as a few minutes, while others seamlessly transfer to bank accounts. Banks, PayPal and other options are available but come with high fees, weaker rates and longer turnaround times.

Digital money transfer services

Companies like OFX and Wise specialize in foreign currencies, making them some of the most cost-effective transfers. Most offer transfers directly to your recipient's Indonesian bank account, often in as little as a day or two.

Cash transfers

Services like MoneyGram allow you to transfer cash for pickup at a local branch in Indonesia— often in 15 minutes. While it's a fast way to send money, you'll pay for the convenience in weak exchange rates and high fees. If a cash pickup is necessary, compare MoneyGram to digital services like WorldRemit or Remitly when possible.

Banks

Most major Australian banks can help you send money to Indonesia. However, the fees and margin added to the exchange rate tend to be the highest when compared to the other options.

Let's crunch the numbers: Sending $1,000 to Indonesia

Let's say you need to send $1,000 AUD to IDR, to family in Indonesia. Here's what you might face as far as fees and exchange rates as of 10 November 2020.

Digital money transfer serviceCash transferBank transfer
Fee$5$10$10 + additional correspondent bank fees
Exchange rate1 AUD = 10,218 IDR1 AUD = 9,940 IDR1 AUD = 9,883 IDR
Transfer speed1-2 dayMinutes2-5 days
Amount receivedIDR 10,164,444IDR 9,940,314IDR 9,785,127
Verdict
  • Best value
  • Fastest
  • Slowest and most expensive

The bank option ends up being both the slowest and gets the smallest amount of money to your recipient. If you go with the digital money transfer service, your recipient ends up with IDR 379,317 more than the bank offers. If speed is crucial, a cash transfer can typically have your transfer to Indonesia in as little as 15 minutes.

How to send money to Indonesia online

Sign up and send money with a digital money transfer specialist in four steps:

  1. Sign up for a free account. Pick a provider and sign up for a free online account using your contact information, proof of ID and preferred payment method.
  2. Provide transfer details. Submit your recipient's contact information and pick a delivery method. If transferring to a bank, you'll need their Indonesian bank account details.
  3. Confirm transfer details. Double-check your payment method, expected fees and destination.
  4. Save your receipt. Record your receipt's confirmation number to track the progress of your transfer to Indonesia. Some money transfer providers send a text or email when your transfer is complete.

How to get the most out of your money transfer to Indonesia

Weigh costs and fees against convenience, and learn how to compare money transfer providers that send to Indonesia to meet your needs:

  • Exchange rates. The AUD to IDR relationship fluctuates often, so using a service that allows you to lock-in exchange prices may help you save money down the line.
  • Transfer fees. Transferring money overseas nearly always requires fees, but they might be hidden in the exchange rate. When sending large amounts, it may be cheaper to pay a flat fee to secure a stronger exchange rate.
  • Transfer limits. How much you can send varies by company, and different amounts can attract higher or lower fees. Shop around for the best deal on the amount of Indonesian rupiahs you're sending.
  • Turnaround. Transferring money through a local bank can take a business week or longer. If you need the funds delivered quickly, seek out a digital specialist that offers instant transfers to Indonesia.
  • Minimum limits. Average incomes vary widely between Australia and Indonesia, which means companies with high minimums transfers may not be your best choice.
  • Transfer methods. Whether you want money sent to an Indonesian bank account or picked up as cash at a local agent, narrow down a company that matches your preferred delivery method.

Emergency cash transfers to Indonesia

When it's more important to get your money to Indonesia quickly, look for money transfer companies that support cash pickup in minutes. You can pay with a credit or debit card for fast pickup, but fees are higher than other methods.

How to send money to Indonesia without a bank account

Cash transfer services can help you if you don't have a bank account. If you don't have a bank account, look for a local company that supports storefronts for cash payments. These services include agent locations in other countries that allow your recipient to pick up cash without a bank account.

Indonesia's exchange rates explained

The exchange rate determines how much one country's currency is worth in another country's currency. When a country's currency is strong, it yields more money when exchanging it in a country with a weaker currency. Indonesia's exchange rate is flexible compared to Australia dollar, which means it sometimes shifts hundreds of rupiahs or more per dollar in a day, if not more. Factors that influence the exchange rate include interest rates, economic stability and inflation.

Track how the Indonesian rupiah trades against the Australian dollar in our historical rate chart.

1
0
Updated: 12 Apr 2021 09:43:10 UTC

Today's exchange rate AUD to IDR

Documents needed for sending to and receiving money in Indonesia

To send money to Indonesia from Australia, you'll need government-issued ID and other documents, while documents needed to pick up money in Indonesia may be different by company.

Documents to send money from Australia

To send money from Australia to Indonesia, you'll need documentation and details that include:

  • Identification. Most services require a driver's license, passport or other government-issued ID.
  • Payment method. Your service may accept credit or debit cards, cash, bank accounts or personal checks.
  • Recipient information. Submit your recipient's name as it appears on their ID, along with their phone number, Indonesian bank account and routing number.

Documents to receive money in Indonesia

To pick up money in person, documentation can include:

  • Transfer number. The person sending you money can forward the transfer's confirmation details — called a PIN, a MTCN, a reference number or a tracking number, depending on the company.
  • Government-issued ID. An Indonesian passport, an Indonesian National ID card, an Indonesian driver's license or similar government-issued ID.
  • Proof of address. Indonesian residents may have to prove their address using a utility bill or something similar.
  • Sender's information. Take along your sender's full name, the sending country and their address, if known.

What to watch out for

Sending cash to Indonesia may subject you to both taxes in Australia and taxes in Indonesia, depending on your sending and receiving situation.

Bottom line

Sending your hard-earned money to Indonesia shouldn't cost a fortune. Compare transfer companies that specialize in foreign currencies for the strongest rates, lowest fees and flexible delivery. For transfers to other countries, rely on our country specific guides the next time you need to make a transfer.

More guides on Finder

International Money Transfer Offers

Important Information*
Logo for Azimo International Money Transfers
Azimo International Money Transfers

Special offer: $40 off when you transfer more than $250+ with code AUFIND40, conditions apply.
Azimo sends money directly to a bank account or over 280,000 cash pick-up points. It also has fast transfers to 50+ countries.

Logo for TorFX International Money Transfers
TorFX International Money Transfers

TorFX guarantees to match any competitor's exchange rate. Conditions apply.
TorFX sends money overseas in 30+ currencies, with competitive rates for transfer amounts over $2,000.

Logo for Send International Money Transfers
Send International Money Transfers

Send guarantees to match any competitor’s exchange rate. T&Cs apply.
Fee-free transfers in 30+ currencies to over 200 countries.

Logo for WorldFirst International Money Transfers
WorldFirst International Money Transfers

Better exchange rates for Finder customers.
WorldFirst sends 60+ currencies at competitive rates. If you find a better eligible quote, WorldFirst will beat it.

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6 Responses

    Default Gravatar
    CornelisOctober 6, 2016

    I have an account with citibank. ( no fees )

    I want to send money to an account held with the BRI bank in indonesia.

    Will the BRI bank charge a fee for receiving the money?

    Will the BRI charge a conversion Fee?

      Avatarfinder Customer Care
      ShirleyOctober 14, 2016Staff

      Hi Cornelis,

      Thanks for your question.

      Please note that finder.com.au is an Australian comparison service and can only provide information that is relevant for banks situated in Australia.

      You (or your recipient) will need to get in touch with BRI directly to enquire if they would charge any fees for incoming transfers.

      Sorry that we could not assist you further.

    Default Gravatar
    jasonJuly 20, 2016

    what is the best way to send instant cash from darwin to lombok indonesia

      Avatarfinder Customer Care
      ClarizzaJuly 25, 2016Staff

      Hi Jason,

      Thanks for your question.

      It depends on a number of things such as the transfer speed, how you would like to transfer the cash and how the recipient wants to receive the cash. Each service also offers different exchange rates. On this page we have a list of tips to help you compare transfer services under “How to compare transfer companies when transferring money to Indonesia”.

      We are currently working on updating our table to include Indonesia, so make sure you check back at a later date.

      Hope this helps.

      Clarizza

    Default Gravatar
    jasonJuly 20, 2016

    What is the cheapest and fastest way to send money from darwin to Lombok Indonesia

      Avatarfinder Customer Care
      ClarizzaJuly 26, 2016Staff

      Hi Jason,

      Thanks for your question.

      Our money transfer finder table allows you to compare exchange rates and more of different international money transfer services. Please note, we are currently working to include Indonesian currency in our calculator. However, you can contact the money transfer services direct to enquire about sending money to Indonesia specifically.

      Otherwise, you can speak to an FX expert direct by filling out the form at the bottom of this page. A representative will then contact you.

      Please note, we are a comparison website and provide general advice only.

      Regards,
      Clarizza

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