How to send money to Indonesia from Australia

By   |   Verified by David Boyd   |   Published 19th September 2022

If you want to send money from Australia to Indonesia, you should use a money transfer service instead of a bank for the best exchange rate and lowest fees.

Online international money transfer services usually have better rates and lower fees than banks. Using one of them to send money means the recipient will get more rupiah for the same amount.

Need to transfer money to Indonesia from Australia?

Best ways to send money to Indonesia

Wise

On Wise's website

Highlights

  • Wise Borderless multi-currency receiving accounts. This gives you access to a digital currency wallet that you can hold and transact in over 50 currencies.
  • Borderless Debit Card. The FX optimised debit card is attached to your Wise Borderless account that can be used to withdraw or pay for purchases in foreign currency within or outside Australia.
  • Android and Apple Apps. Indulge convenience by transacting thru the Wise App anytime and anywhere!
  • Fund options. Loads of options to fund your Wise account including transfer from Debit and credit cards, or thru a local bank transfer. Quick and easy!

Pros

  • Low and competitive fees.
  • Easy to understand fee structure.
  • Easy to use website and mobile apps.
  • High transfer limit.

Cons

  • Limited currencies and destination countries compared with some competitors.
  • Can only send funds to the recipient's bank account.
Remitly

On Remitly's website

Remitly

Highlights

  • Enjoy great exchange rates and low fees.
  • Every transfer carries a delivery promise. Have your money delivered on time or get your money back.
  • Safety and security. Remitly uses industry-standard security protocols and encryption.

Pros

  • Low transaction fees.
  • Plenty of delivery options.
  • Wide global network, covering 50+ currencies and countries.
  • Highly rated customer support.

Cons

  • Fees apply when you fund your account using a credit card.
  • Transfer limits apply.
WorldRemit

WorldRemit

Highlights

  • Send 70 currencies to 130 countries, from your smartphone or computer.
  • WorldRemit uses industry-leading technology that protects your money and guarantees it arrives safely every time.
  • See WorldRemit's low fees and their best exchange rates upfront, with no hidden costs

Pros

  • Low transfer fees.
  • No minimum transfer amount is required.
  • Multiple payment options.
  • Cash pick-up, cash delivery, and Airtime mobile phone top-up are available.

Cons

  • Transaction limit of $5,000 for some payment methods.
  • Fees depend on the method and currency you choose.

Compare more money transfer services before you send money to Indonesia.

First time sending?

How to send money to Indonesia from Australia

Online money transfer services are the faster and easier way to transfer funds to Indonesia from Australia. This step-by-step guide explains how they work if you've never used one before.

  1. Choose what money transfer service to use. Compare fees, transfer times, delivery options, etc. Choose whichever one suits your needs best.
  2. Open your account. This will usually involve providing some personal information and proof of identification.
  3. Set up the transfer. You’ll need to provide details of the recipient’s full name, address, bank account number (if that’s where you want funds delivered), and how much money to send. Depending on the service used, it may be possible to choose how funds will be delivered to the recipient.
  4. Choose how to pay for the transfer. This could be with a bank transfer, debit card, credit card, or cash. How you fund the transfer will affect the time it takes to transfer the money.
  5. Send the money and track the transfer. Once initiated, you'll be able to track its progress and keep the recipient informed.

What are the fees and charges?

Costs for sending money to Indonesia from Australia

  • Service fee. How much the money transfer service charges to send money to Indonesia depends on various factors, including how much is being sent, how it is to be delivered, and how the transaction was funded.
  • Collection fee. There may be a fee if the recipient wants to collect cash.
  • Delivery fee. Having money delivered to the recipient’s address typically costs more.
  • Cash advance fee. If the sender funds the transaction with a credit card, it will typically attract the cash advance rate because it’s a cash equivalent.
  • Exchange rate. If you send a large amount of money, the exchange rate can significantly impact how much the recipient will get.

Looking for other options?

Alternative ways to send money to Indonesia from Australia

Should you need an alternative to an international money transfer service, here are some of the best options.

  • Bank transfer. Sending money with your bank may be easy, but it is typically more expensive, slower, and less flexible than an international money transfer service.
  • Crypto. Assuming the recipient is willing, you could send them crypto. They can choose to hold or convert it and withdraw funds to their bank account. Transferring crypto between wallets on the same exchange is typically free and instant. Crypto exchanges with international operations include Binance, Coinbase, and Kraken.
  • Money orders. A money order is one of the oldest ways of transferring funds between people. Once you buy the money order, it can be sent to the recipient’s address, who can cash it in. Money orders are, however, comparatively slow.
  • Money transfer agents. A money transfer agent is an option if you don’t have a bank account or want to use cash. Check that there is a money transfer agent near the recipient where they can collect their funds.
  • Prepaid cards. It’s possible to load a prepaid card and send it to the recipient, who can use it to spend or withdraw cash from it at an ATM. There are often limitations on how much money a prepaid card can hold, and there may be limitations on where it can be used in Indonesia.

Still not sure?

FAQs

How long does it take for money sent from Australia to arrive in Indonesia?

How long it takes depends on how the money was sent. Bank transfers can take a few days to arrive. The fastest money transfer services can deliver funds within minutes.

Can I send money to Indonesia if the recipient has no bank account?

Yes. You can use a money transfer service to send money to someone in Indonesia with no bank account. Alternatives include sending crypto, a money order, a prepaid card, or using a money transfer agent.

Is it safe to send money to Indonesia from Australia?

Yes. It is safe if you choose a trusted company for your money transfer. We only work with established money transfer services on Finty.

Can I send a money order to Indonesia from Australia?

Yes. A money order can be purchased in Australia and cashed in Indonesia at a bank, credit union, local post office, etc.

Can I use my credit card to send money to Indonesia from Australia?

Yes. It’s possible to fund a money transfer to Indonesia with a credit card, but there are considerations. Most banks will classify such purchases as the equivalent of cash and charge the cash advance interest rate and cash advance fee.

Can I send cryptocurrency to Indonesia from Australia?

Yes. Bitcoin, Ethereum, and many other cryptocurrencies can be sent to Indonesia.