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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 SingX

你首兩次港幣$15,000或以下的匯款,手續費全免。Pay no fees on your first two transfers, up to HK$15,000.


象徵式收費以及中間價匯率,可匯款至高達30多個國家。
Transfer money to over 30 countries with nominal fees and the mid-market exchange rate.

  • Pay no fees on your first two transfers, up to HK$15,000
  • Most transfers take 1 business day
  • Regulated by Hong Kong Customs and Excise Department
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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
USD 5 1 - 2 days HKD 25.00 1863.73 IDR
18,590,705
新客戶可享有首三個月無限次免手續費匯款。New customers get 3 months of unlimited free transfers.
可用15+種貨幣匯款,享有超越銀行的匯率以及快速轉賬時間。 Get bank-beating exchange rates and fast transfer times on 15+ popular currencies.
Go to site Show details
USD 60 1 day HKD 0.00 1875.402 IDR
18,754,017
Skrill offers easy transfers to many popular destinations, but keep an eye out for added fees Go to site Show details
USD 10 1 - 2 days HKD 140.00 1882.554 IDR
18,561,978
以透明的匯率,低收費及低最低金額的網上服務作匯款。 Make online transfers with transparent exchange rates, low fees and low minimum amounts. Go to site Show details
SGD 1 1 day HKD 52.00 1882.554 IDR
18,727,642
你首兩次港幣$15,000或以下的匯款,手續費全免。Pay no fees on your first two transfers, up to HK$15,000.
象徵式收費以及中間價匯率,可匯款至高達30多個國家。 Transfer money to over 30 countries with nominal fees and the mid-market exchange rate.
Go to site Show details
USD 50 1 day HKD 35.00 1882.554 IDR
18,759,646
快捷又簡單的國際匯款服務,大部分匯款收取固定的0.5%手續費。部分貨幣更不設保證金率。 Quick and simple international money transfers with a flat 0.5% transfer fee for most transfers. Zero-margin rates on some currencies. Go to site Show details
USD 1 Within an hour HKD 20.00 1875.025 IDR
18,712,751
提供現金提取、銀行戶口之間轉賬與及Airtime匯款選擇的網上匯款服務,。 An online money transfer service with cash pickup, bank account to bank account and airtime transfers available. Go to site Show details
USD 100 1 day HKD 15.00 1854.317 IDR
18,515,356
非Finder客戶將獲得較昂貴的匯率。 Better exchange rates for Finder customers.
可用45種貨幣匯款。 Send money in 45 currencies.
Go to site Show details
GBP 5,000 1 - 2 days HKD 0.00 1854.317 IDR
18,543,171
可匯款至20+個國家,無手續費。 Transfer money to 20+ countries with no transaction fees. 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.

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 Hong Kong. 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 HKD/IDR, as well as what it has been historically.

HKD to IDR: Historical rate chart

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Updated: 21 Oct 2020 08:15:25 UTC

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

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

  • Local bank. Most major Hong Kong 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 HK$5,000 transfer to compare.

Major Hong Kong bankMoney transfer specialist
Transfer feeHK$115HK$54.99
Exchange rate1 HKD = 22.55689 IDR1 HKD = 22.84659 IDR
Transfer speed2 – 5 business days1 day
Total rupiah receivedIDR112,784.45IDR114,232.95
Receiver getsIDR1,448.5 lessIDR1,448.5 more

We can see in the table above that the money transfer company comes out on top. This is because of the difference in the exchange rate and lower transfer fee. Make sure to check out both when comparing, 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 Hong Kong 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 of your travel insurance to make sure.
  • 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

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