Send Money to Indonesia

How to send money to Indonesia

Take advantage of competitive exchange rates and low transfer fees when you need to send money to Indonesia.

When you need to get money to a loved one overseas, the last thing you want to deal with is navigating a potentially complicated and expensive process. Sending money from the United States to Indonesia doesn’t have to be expensive. Compare the transfer fees and exchange rates of the options available to you to get the best deal.

From bank transfers and online transactions to options that allow recipients to collect your funds within minutes, sending an international money transfer to Indonesia is easy. But do your research and shop around for the best available deal.

WorldRemit International Money Transfers

WorldRemit International Money Transfers

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

Your first transfer is free with the code FREE.

  • Low upfront fees and exchange rates.
  • Easy to use with round-the-clock help.
  • Get cash to family and friends in minutes.

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    Ofx Logo

    Save money on your personal or business international money transfer today. Fill in the form and you’ll be contacted by a foreign exchange expert to have an obligation-free discussion about your options.

    With over 17 years of foreign exchange expertise and over $100 billion transferred, OFX can help with all your currency exchange needs, including:

    • Buying property abroad
    • Emigrating
    • Regular overseas payments
    • Risk management
    • Forecasting

    Min. Transfer Amount Transfer Speed Online Transfer Fee Rate Services Amount Received Description CTA Details
    WorldRemit International Money Transfers
    USD 1 Within an hour USD 4.99 13226.76 Online, Bank Account to Bank Account, Cash Transfer IDR 66,067,798 Use promo code FREE to send your first transfer for no fee, to over 110 countries for bank-to-bank deposit, cash pickup or mobile top-up. Go to site View details
    World First Foreign Exchange
    USD 1,000 1 day USD 0.00 13121.532 Online IDR 65,607,660 Exclusive offer: $0 transfer fee
    No-limit transfers with competitive exchange rates for more than 100 currencies.
    Go to site View details
    OFX International Money Transfers
    USD 150 1 day USD 0.00 13266.72 Online, Bank Account to Bank Account IDR 66,333,600 Send safe, no-limit transfers with no fees and competitive exchange rates. Go to site View details
    Do you send money often? Track this rate with tailored alerts direct to your inbox

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    How do international money transfers work?

    An international money transfer allows you to send money to a recipient overseas. Generally, a transfer involves you providing funds to a bank or an independent transfer provider, which then sends the money to your recipient in another country — in this case, Indonesia. This can be done in person, over the phone, through a mobile app or online. You can use cash, a credit or debit card, or transfer funds from your bank account, which will then either be deposited into your recipient’s bank account or mobile wallet, or made available as cash for them to pick up at a location in their country.

    Banks versus money transfer companies

    We use our banks to take care of all our other financial needs, so surely we should use them when we need to send an international money transfer, right? Not necessarily. While major U.S. banks offer money transfer services, they usually present less competitive exchange rates coupled with high transfer fees.

    You can often save money by using the services of a dedicated money transfer company. These providers specialize in handling overseas money transfers, offering attractive exchange rates and affordable transfer fees. This translates to big savings for you.

    Jenny Sends Money to Indonesia

    When Jenny’s daughter Lauren headed off for a year of backpacking in Indonesia, Jenny knew the slightly naive teenager was bound to run out of money before the 12 months were up. So when Lauren phoned home after 7 months and requested a quick injection of funds, Jenny was ready with $1,000 to transfer. In order to find the cheapest transfer method, Jenny compared the services of two transfer providers:

    Money transfer company 1Money transfer company 2
    Exchange rate1 USD = 13,741.61 IDR1 USD = 13,899.13 IDR
    Transfer fee$14$10
    Transfer methodBank account depositBank account deposit
    Processing time2-3 business days1-4 business days
    Amount received (in IDR)13,741,610 IDR13,899,130

    As you can see, not only does the second transfer company offer a $4 saving on fees but it also allows Jenny to send more than 157,000 IDR extra to her daughter.

    How to compare transfer companies when transferring money to Indonesia

    • Exchange rates. A difference of just a couple of cents in exchange rates can equate to hundreds of dollars once you calculate your transfer amount. Keep an eye out for companies that offer better rates than their competitors.
    • Fees. Most companies charge a fee to send your money around the world, though some will waive that fee for large transfers. The fee and the exchange rate determine how much your transfer will cost.
    • Transfer methods. Some companies will only offer online transfers but others will also allow you to make transfers over the phone, in a branch or by using a mobile app.
    • Transfer options. Can you lock in an ideal exchange rate now and transfer the money later, known as a forward contract? Does the institution offer limit orders, which allows you to take advantage of changing market conditions by executing the money transfer when a certain exchange rate is met? Can you schedule recurring payments, or does the company only provide one-off spot orders?
    • Turnaround time. Some companies can send transfers within about 10 minutes, while others will take several business days. However, keep in mind that quicker transfers usually cost more.
    • Minimum transfer amount. Read the fine print offered by each company to see if they impose a minimum transfer limit. A high minimum transfer limit can severely restrict your transfer options.
    • Pickup methods. Bank account transfers and cash pickup from an agent are the two most common options.
    • Customer service. It can be very reassuring to know that phone and email customer support will be available if you ever have a question.
    Foreign exchange rates explained
    The exchange rate determines how much one country’s currency is worth in another currency. When a country’s currency is strong, it will yield more money when exchanging it in a country with a weak currency. For example, in December 2016, the U.S dollar was worth approximately 19 Mexican pesos. However, most countries’ exchange rates are flexible, which means it can change from moment to moment. Factors that influence the exchange rate include interest rates, economic stability and inflation.

    How to send money to Indonesia from America

    • Bank transfers. A Bank-to-bank transfer is a secure way to send money to Indonesia, but it can be expensive.
    • Online money transfer providers. Companies like WorldRemit and TransferWise offer online transfers to your recipient’s Indonesian bank account.
    • Money transfer companies with cash pickup options. Western Union and MoneyGram are two companies that offer this option.
    • PayPal. PayPal offers secure international money transfers to Indonesia.
    • Checks. International checks from your bank are a reliable but slow transfer method.

    Emergency cash transfers in Indonesia

    There are certain situations when you might need to send a transfer as quickly as possible. When you do need to send an emergency transfer, remember that you will usually have to pay extra in order to get your funds to your beneficiary ASAP. Make sure to check the exchange rate and fees that apply so you know exactly how much it will cost.

    Find a money transfer location near you

    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.

    How to send money to Indonesia

    When you send money overseas you will need to provide certain details in order for the provider to process your transaction. In addition to details of the amount you’re sending and who you’re transferring it to, you’ll need to supply information about yourself, including:

    • Your full name and residential address
    • Your phone number and email address
    • Your date of birth
    • Valid photo ID

    How safe is a money transfer?

    When processed through a reputable provider, your funds are safely tracked until in the hands of your recipient. When sending money internationally, federal protections are in place that require banks, credit unions and money transfer companies to, for example, disclose all fees upfront and give you 30 minutes to cancel a transfer, assuming it hasn’t yet been picked up or deposited.

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    Cash pickup locations in Indonesia

    Worldremit

    BANK NEGARA INDONESIA
    Address: Wisma Bumi Putera, Jl. Jend. Sudirman No.79, RT.3/RW.3, Setia Budi, Kota Jakarta Pusat, Daerah Khusus Ibukota Jakarta 12910, Indonesia
    Hours: 9:00 AM – 3:00 PM
    Phone: +62-21-5789999

    PT Pos INDONESIA PERSERO
    Address: Plaza Permata, Jl. M.H. Thamrin No.57, RT.9/RW.5, Gondangdia, Menteng, Kota Jakarta Pusat, Daerah Khusus Ibukota Jakarta 10350, Indonesia
    Hours: 8:00 AM – 3:00 PM
    Phone: +62-21-3903277

    BANK RAKYAT INDONESIA
    Address: Jl. Lautze Raya No.12C, RT.4/RW.1, Karang Anyar, Sawah Besar, Kota Jakarta Pusat, Daerah Khusus Ibukota Jakarta 10710, Indonesia
    Hours: 8:00 AM – 3:00 PM
    Phone: +62-21-3448026

    Moneygram

    BCA – MEGA KUNINGAN
    Address: Gedung Oakwood Premier Cozmo JL. Lingkar Mega Kuningan Blok Jakarta Selatan, 12950
    Hours: 6:00 AM – 3:30 PM
    Phone: +62-21-5563388

    BANK MEGA – #20 – KC JKT RASUNA SAID
    Address: Menara Mega Syariah Lt.1 Jl. HR. Rasuna Said Kav.No.19A Wil. Kota Jakarta Selatan, 12950
    Hours: 8:30 AM – 3:00 PM
    Phone: +62-21-57903637

    BCA – BINA MULIA
    Address: Gedung Cyber 2 Ground Floor JL. HR. Rasuna Said KAV. X-5 No Jakarta Selatan, 12950
    Hours: 6:00 AM – 3:30 PM
    Phone: +62-21-5563388

    Western Union

    PT POS KPC JAKPUS DEPHUB
    Address: Jl Medan Merdeka Barat No 8 Gambir Gambir Jakarta Pusat, Dki Jakarta 10110
    Hours: 8:00 AM – 2:00 PM
    Phone: +62-21-3811308

    PT POS KPC KASOKANDEL
    Address: Jl Raya Kasokandel Rt 01 Rw 01 Ds Mekarmulya Kasokandel Majalengka, Jawa Barat 10110
    Hours: 9:00 AM – 3:00 PM
    Phone: +62-21-3844188

    PT POS KPC JAKPUS KANTOR WALIKOTA
    Address: Ktr Walikotajl Tanah Abang I Petojo Selatan Gambir Jakarta Pusat, Dki Jakarta
    Hours: 8:00 AM – 4:00 PM
    Phone: +62-21-3502475

    Worldremit

    BANK NEGARA INDONESIA
    Address: Jl. Kusuma Bangsa No.37, Ketabang, Genteng, Kota SBY, Jawa Timur 60272, Indonesia
    Hours: 8:00 AM – 4:00 PM
    Phone: +62-31-5481965

    KANTOR Pos PETRA SURABAYA
    Address: Jl. Siwalankerto No.121, Siwalankerto, Wonocolo, Kota SBY, Jawa Timur 60236, Indonesia
    Hours: 8:00 AM – 3:00 PM
    Phone: +62-31-8495324

    BANK RAKYAT INDONESIA
    Address: JL. HR. Muhamad, Kav. 41, Suko Manunggal, Putat Gede, Suko Manunggal, Kota SBY, Jawa Timur 60189, Indonesia
    Hours: 9:00 AM – 4:00 PM
    Phone: +62-31-7382090

    Moneygram

    BCA – KUSUMABANGSA
    Address: JLN. Kusumabangsa NO. 35 Surubaya, 60272
    Hours: 6:00AM – 3:30 PM
    Phone: +62-21-5563388

    BCA – DELTA PLAZA
    Address: Plaza Surabaya LT.1 NO.6-7 JLN. Pemuda 33-37 Surabaya, 60281
    Hours: 6:00 AM – 3:30 PM
    Phone: +62-21-5563388

    BANK MEGA – #8 – KC SBY YOS SUDARSO
    Address: Jl. Yos Sudarso no. 17 Kota Surabaya, 60271
    Hours: 8:30 AM – 3:00 PM
    Phone: +62-21-5310241

    Western Union

    PEGADAIAN KCS BLAURAN
    Address: Jl Bluran No 74 76 Surabaya, Jawa Timur
    Hours: 7:30 AM – 9:00 PM
    Phone: +62-31-513163

    PT POS KPC SURABAYA KETABANG
    Address: Jl Kapasari 49 Genteng Kapasan Simokerto Surabaya, Jawa Timur 60136
    Hours: 9:00 AM – 3:00 PM
    Phone: +62-31-3772683

    PEGADAIAN UPC PACAR KELING
    Address: Jl Pacar Keling No 24a Surabaya Surabaya, Jawa Timur
    Hours: 8:00 AM – 5:00 PM
    Phone: +62-31-5665214

    Worldremit

    PT BANK TABUNGAN NEGARA
    Address: Jl. MGR. Soegiyopranoto No. 49, Pendrikan Kidul, Semarang, Kota Semarang, Jawa Tengah 50141, Indonesia
    Hours: 8:00 AM – 3:00 PM
    Phone: +62-24-3585490

    Pt Pos INDONESIA
    Address: Jl. MT. Haryono No.862, Karangturi, Semarang Tim., Kota Semarang, Jawa Tengah 50242, Indonesia
    Hours: 9:30 AM – 4:30 PM
    Phone: +62-24-8311563

    BANK RAKYAT INDONESIA
    Address: Jl. Pandanaran No.75, Pekunden, Semarang Tengah, Kota Semarang, Jawa Tengah 50134, Indonesia
    Hours: 9:30 AM – 4:00 PM
    Phone: +62 24 8411918

    Moneygram

    ARTHAPOS – SEMARANG – SEMARANGJOMBLANG
    Address: JL. Jomblang Legok No. 43A Candisari Jomblang Semarang, 50243A
    Hours: 6:00 AM – 10:00 PM
    Phone: +62-21-7190415

    BANK MEGA – SEMARANG PETERONGAN
    Address: Ruko Peterongan Plaza Blok A-12 Jl. MT. Haryono No. 719 Kota Semarang, 50242
    Hours: 8:30 AM – 3:00 PM
    Phone: +62-24-8413255

    BCA – KEDUNGMUNDU
    Address: JLN. Kedungmundu NO. 511 Blok I & J Jalan Kedungmundu 511 Blok Semarang, 50273
    Hours: 6:00 AM – 3:30 PM
    Phone: +62-21-5563388

    Western Union

    PEGADAIAN KC MRICAN
    Address: Jl Tentara Pelajar No 30 A Semarang Semarang, Jawa Tengah 50256
    Hours: 8:00 AM – 5:00 PM
    Phone: +62-24-8314582

    PEGADAIAN UPC LAMPER TENGAH
    Address: Jl Lamper Tengah Raya Semarang Semarang, Jawa Tengah
    Hours: 8:00 AM – 5:00 PM
    Phone: +62-24-8415896

    INDOMARET TGWE
    Address: Tk Lamper Tengah Jl Kedondong Tengah No 19 Lamper Tengah Semarang, Jawa Tengah 50248
    Hours: 7:00 AM – 10:00 PM
    Phone: +62-24-86455855

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    WorldRemit International Money Transfers

    Use promo code FREE to send your first transfer for no fee, to over 110 countries for bank-to-bank deposit, cash pickup or mobile top-up.

    World First Foreign Exchange

    Exclusive offer: $0 transfer fee
    No-limit transfers with competitive exchange rates for more than 100 currencies.

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    Enjoy high maximum transfers into more than 20 currencies while saving up to 90% over local banks.

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