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.

WorldRemit Offer

WorldRemit International Money Transfers


WorldRemit can help you get your money where it needs to go in minutes, with upfront exchange rates and low fees.

Use promo code FINDERCA on your first transfer and pay zero fees. T&Cs apply.

  • Transfers to 150+ countries
  • Send to bank account, cash pickup, mobile money, airtime top up
  • Pay with card, Interac or Apple/Android Pay

    Compare money transfer services that send to Indonesia

    Use the table below to check out which money transfer company could be best for you. Enter how much you want to send in the calculator and you’ll be able to compare the fees, exchange rates and features of each company.

    Min. Transfer Amount Transfer Speed Online Transfer Fee Rate Amount Received Description CTA Details
    CAD 0 Within an hour CAD 3.99 10637.687 IDR
    53,145,990
    Use code FINDERCA and pay zero fees on your first transfer. Conditions apply.
    An online money transfer service with cash pick-up, bank account to bank account and airtime transfers available.
    Go to site Show details
    CAD 1 1 - 2 days CAD 50.00 10675.039 IDR
    52,841,442
    Make online transfers with transparent exchange rates, low fees and low minimum amounts. Go to site Show details
    CAD 2,000 1 day CAD 0.00 10472.224 IDR
    52,361,118
    Send 60+ currencies at competitive rates with $0 transfer fees for Finder customers. WorldFirst will beat any eligible quote from another provider. Go to site Show details
    USD 150 1 day CAD 15.00 10504.249 IDR
    52,363,680
    Exclusive offer: Discounted exchange rates for your first and ongoing transactions. $0 transfer fee.
    A higher exchange rate applies to non-finder customers. Send money in 45 currencies.
    Go to site Show details

    Compare up to 4 providers


    The “Rate” and “Amount Received” displayed are indicative rates that have been supplied by each brand or gathered by Finder.

    Exchange rates are volatile and change often. As a result, the exchange rate listed on Finder may vary to the actual exchange rate quoted for the brand. Please confirm the actual exchange rate and mention “Finder” before you commit to a brand.


    Learn more about:

    How to send money to Indonesia in a few simple steps

    1. Choose your service. Not all money transfer services send money to Indonesia from Canada. Use our table to see which ones do and compare exchange rates, transfer fees and more.
    2. Create an account. This usually involves providing forms of identification, like your driver’s licence or passport and proof of address.
    3. Pick your payment method. You can typically choose to pay from your bank account, credit card or debit card.
    4. Choose your delivery method. Do you want to send money directly to your recipient’s bank account, to their mobile phone or arrange a cash pick-up in Jakarta, Surabaya or Medan?
    5. Enter your transaction details. This includes the transfer amount, currency you’re sending and the recipient’s information.
    6. Review your transfer. Make sure the receiver’s details are correct. You can also review the final exchange rate and any other fees.
    7. Send your funds. The money will be deposited into your recipient’s account in Indonesia.
    8. Receive email/SMS confirmation. This will include your tracking number along with confirmation of your transfer. If the recipient is picking up cash, they’ll need to present this at collection.

    What to look at when comparing how to send money to Indonesia

    • Exchange rates. Almost all companies will add a margin onto the exchange rate, so be wary of this. Your source of truth will be the exchange rate you can see on Google or Reuters, otherwise known as the mid-market rate. Compare this against what you’re being quoted to make sure you’re getting the best deal possible.
    • Transfer fees. Find out if the fee is charged as a percentage, flat fee or a combination of both. Keep in mind that companies that offer “fee-free transfers” often add a larger margin to the exchange rate to cover their fees, so they’re not really “fee-free”. Generally, paying by credit or debit card will add more fees.
    • Bank partners. Many transfer companies will list their Indonesian bank partners online. See if your recipient’s bank is on this list before starting your transfer.
    • Speed. Generally, the fastest option is going to be the most expensive one, but you’ll be able to send money instantly.
    • Transfer limits. Some companies don’t allow smaller transfers, while others cap their maximum transfer amount. Check with the transfer company to make sure its transfer limits suit your needs.
    • Receiving method. Sending to a bank account is easy enough, but there are a few companies that send to other options, like a cash pick-up location or mobile wallet. If your recipient doesn’t have a bank account, you’ll want to check this out.

    Exchange rates explained

    An exchange rate determines how much one country’s currency is worth in another currency. When a currency is strong, it yields more money when exchanging it for a weaker currency. Indonesia’s exchange rate is flexible, which means it can change from moment to moment due to factors such as interest rates, economic stability and inflation.

    Below, you can see a real-time update of what the mid-market rate is for CAD/IDR, as well as what it has been historically.

    Today’s exchange rate CAD to IDR

    CAD to IDR: Historical rate chart

    1
    0
    Updated: 16 Jul 2019 00:39:38 UTC

    What are all the ways I can send money to Indonesia?

    You have a variety of choices when looking to send money from Canada to Indonesia. Some of the more common transfer methods include:

    • Local bank. Most major Canadian 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.
    • Online money transfer company. These providers often have competitive exchange rates and lower fees, plus more delivery options. Keep an eye out for sign-up deals where your first transfer is free.
    • Providers with cash pick-up. Often the fastest method of transferring money, but one of the more expensive.
    • PayPal. PayPal is one of the most well-known methods of transferring money, but the fees can be costly.
    • International cheque. You can buy one of these from your local post office or bank and send it by mail. It’s one of the slowest methods of transferring money.

    Let’s crunch the numbers: Your local bank vs a money transfer company

    To show you how a bank transfer compares to an online money transfer specialist, we’ve put the two head to head. For this example, we’ll be using a $2,000 transfer to compare.

    Major Canadian bankMoney transfer specialist
    Transfer fee$20$12
    Exchange rate1 CAD = 10,690 IDR1 CAD = 10,700 IDR
    Transfer speed2 – 5 business days1 day
    Total rupiah receivedIDR 21,380,000IDR 21,400,000
    Receiver getsIDR 20,000 lessIDR 20,000 more

    We can see in the table above that the money transfer company comes out on top, with lower fees and more competitive exchange rates. Make sure to compare both fees and exchange rates so you get the best deal possible.

    Emergency cash transfers in Indonesia

    Sending money to a cash pick-up location is often instant and can be helpful in the case of an emergency or if your recipient doesn’t have a bank account. This tends to be one of the more expensive options, so be sure to look carefully at the exchange rate and fees to understand exactly how much it will cost you.

    Some options for sending a cash transfer between Canada and Indonesia include:

    • Cash transfer companies. MoneyGram, Western Union and WorldRemit all have the option to send cash to a location for your recipient to pick up. All they’ll need is a photo ID and a transaction reference number.
    • Travel insurance. If your trip is covered by travel insurance, many comprehensive policies let you have an emergency cash allowance if you lose your wallet or it’s stolen. You’ll need to check the fine print for your travel insurance to figure out which coverage you have.
    • Credit card provider. If your credit card is lost or stolen, your provider may be able to send you a replacement or give you access to emergency cash.

    Tips for picking up cash in Indonesia

    Whether you’re picking up cash in Indonesia or any other country, take a safety-first approach. Use common sense, such as keeping your cash hidden and depositing it with your bank as soon as possible. Taking a friend along with you to collect the funds is also a good idea.

    Cash pick-up locations in Indonesia

    Frequently asked questions

    Picture: Shutterstock

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    4 Responses

    1. Default Gravatar
      jasonJuly 20, 2016

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

      • Default Gravatar
        ClarizzaJuly 25, 2016

        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

    2. Default Gravatar
      jasonJuly 20, 2016

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

      • Default Gravatar
        ClarizzaJuly 26, 2016

        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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