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Looking for the best way to send money from the United States to family, friends or businesses in Indonesia (or even to your own overseas bank account)?
Don't head straight to your American bank – compare specialist money transfer services instead. They nearly always offer better IDR exchange rates and lower fees, so for the same amount of US dollars you send, your recipient will receive more rupiahs.
Of the companies we've compared, MoneyGram is among the cheapest, with competitive exchange rates and fees starting from $0. Need a really fast transfer? Wise (TransferWise) can get money to your recipient in Indonesia within minutes.
Are you visiting from outside the US?
Bank transfers are typically the cheapest way to get your money to Indonesia. MoneyGram and Instarem have some of the lowest bank transfer fees of the brands we've compared.
When you're hunting down the cheapest ways to send money to Indonesia, it's more important to look at the overall cost of your transfer. This has a couple of elements:
Some providers may charge the mid-market rate but add fees on top. Others may have very low fees but apply a markup on the exchange rate. This means it is important to compare exactly how many rupiahs your recipient will end up with.
Many online providers can offer transfers to Indonesia within minutes, although you're likely to pay a premium for the convenience.
Here are some of the fastest average transfer speeds to Indonesia:Actual transfer times from the United States to Indonesia can depend on several several factors including transfer amount, payment method and currency.
The safest way to get your money to Indonesia is to use a provider registered with the United States's industry regulator, the Consumer Financial Protection Bureau. All the companies we've compared in our table are overseen by a local regulator and comply with the relevant laws and regulations in both the United States and Indonesia.
A great way to dive deeper is by reading our extended reviews of each transfer service and researching first-hand customer feedback on Trustpilot and similar platforms.
If you need to make a sizable money transfer to Indonesia, consider using a provider such as OFX to benefit from its expertise in handling larger transfer amounts.
Using a large transfer specialist can have the following advantages:To send money to Indonesia, you'll need the necessary documentation, your recipient's details and a way to pay.
Aisyah is working in the United States as a doctor and she stays in regular contact with her elderly parents back home in Indonesia. Her parents need some funds to help pay off a mortgage, so Aisyah plans to send them $2,000 from the United States.
She decides to compare a bank and a money transfer specialist to see which one can save the most money on her transaction.
Bank | Money transfer company | |
---|---|---|
Exchange rate | 1 USD = 14.73 IDR | 1 USD = 14.93 IDR |
Transfer fee | $10 | $2.50 |
Transfer method | Bank account deposit | Bank account deposit |
Processing time | 2 - 5 working days | Next day |
Amount received | 29,312.70 IDR | 29,812.69 IDR |
The money transfer company enables Aisyah to send an extra Rp499.99, which is transferred straight to her parents' Bank Mandiri account.
When choosing a money transfer provider to send money from the United States to Indonesia, it's important to consider the cost, how you want your recipient to receive the funds and the turnaround time. Here are other features to review:
Compared to a month ago, the US dollar is weaker against the rupiah. Currently, $5,000 is worth Rp75,000.00, whereas a month ago, $5,000 was equivalent to Rp81,200,000.00. That's a decrease of 99.91% over the past month.
Similarly, compared to a year ago, the US dollar is again weaker against the rupiah. A year ago, $5,000 was equivalent to Rp80,600,000.00. That's a decrease of 99.91% over 12 months.
What's more important, however, is the strength of the US dollar against the rupiah and where it goes from here – which is harder to call. Based on those two data points, your US dollars might not go as far as they would have, so shopping around for the best deal on your transfer is key.
Whether products shown are available to you is subject to individual provider sole approval and discretion in accordance with the eligibility criteria and T&Cs on the provider website.
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Can I send money to Indonesia from India with this world remittance
Hi Devdas,
Thanks for reaching out! You may certainly send money from India to Indonesia using World Remit. Simply visit their website to start the transfer process. Hope this was helpful. Don’t hesitate to message us back if you have more questions.
Best,
Nikki
I am sending money to Bali from the Cook Islands via an American Bank.
How much does the American Bank charge for this transaction?
Hello Anne,
Thank you for contacting Finder.
For international wire transfer to be received in the recipient’s local currency, the fee is $35 and if it is to be received in US dollars, it will be for $45. It is best if you read more about Bank of America wire transfers to better understand their services.
I hope this helps.
Let us know if there is anything else that we may assist you with.
Cheers,
Ash