Sending Money To Indonesia: Australia-Based Guide

There are several ways to send money from Australia to Indonesia. The local currency in Indonesia is the Indonesian Rupiah (IDR). The Australian dollar can be converted into Indonesian rupiah through various transfer services, including Wise, Western Union, Revolut, and Xe. These services offer different benefits, such as competitive exchange rates, fast transfers, and secure transactions. It is important to consider factors like payment method, transfer amount, speed, and associated fees when choosing a suitable money transfer service.

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Using Western Union

Western Union allows you to transfer money from Australia to Indonesia in several ways: online, via the Western Union app, or in person at an agent location.

To send money online, you'll need to register for a free Western Union profile. You'll be asked to provide a government-issued photo ID for verification. Once registered, log in to your profile and select Indonesia as your destination. Enter the amount you wish to send, choose how your receiver will be paid, and select your payment method. You'll then be shown the estimated transfer fees, delivery time, and transfer total. Next, enter the recipient's name, address, phone number, email address, bank name, and account number. Finally, click 'Send Now'.

You can also initiate the transfer on the Western Union app and finalise the payment in-store. If you choose to pay in cash, your transfer can arrive in minutes.

Transfers for cash pickup or mobile wallets can be completed in minutes. Bank transfers typically take up to one business day, though some transfers are processed in real-time, depending on the bank.

Western Union also offers advanced encryption and fraud prevention measures to secure all transactions.

Fees and Exchange Rates

Western Union makes money from currency exchange, so it's important to carefully compare both transfer fees and exchange rates when choosing a money transmitter. Fees, foreign exchange rates, and taxes may vary by brand, channel, and location, and are subject to change without notice.

If you're using a credit card, a card-issuer cash advance fee and associated interest charges may apply. To avoid these fees, use a debit card or check other payment methods.

You can get estimates on your money transfer and discover exchange rates before sending money to Indonesia using Western Union's price estimator.

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Using Wise

Wise is a safe and easy way to send money to Indonesia from Australia. Over 12.8 million people use Wise to send money abroad with fees as low as 0.1%.

To get started, open a free account with Wise in minutes. You can then set up your first transfer in three easy steps. First, enter the amount you want to send from Australian dollars to Indonesian rupiah. You can then check out the fees and see exactly how much your recipient will get. Pay in Australian dollars by bank transfer, card, PayID, or using money already in your Wise account. Once Wise gets the money, they will convert it and send it to your recipient. Depending on how you pay, this usually takes seconds.

Wise uses 2-factor authentication to protect your account and transactions. This means that only you can access your money. Wise is committed to keeping your personal data safe and is transparent about how it collects, processes, and stores your data.

Wise sends your transfer using local banking networks, so your recipient receives the money directly into their local bank account. The best way to send Australian dollars to Indonesian rupiah is from a Wise balance. It's the cheapest and fastest method, usually arriving in seconds. Bank transfers are also cheap but can be slower. If you have a Wise multi-currency account, you can use the money in your account to fund your transfer. It's cheap and fast—just set up your money transfer as you normally would and choose a Wise account transfer when paying. Bank transfers are usually the cheapest option when it comes to funding your international money transfer with Wise.

Wise also offers a mid-market exchange rate—the fairest rate—and always shows your fees upfront. You can save your favourite currencies to check how the exchange rate changes over time.

Using Revolut

Sending money to Indonesia from Australia using Revolut is a quick, safe, and affordable process. Here's a step-by-step guide on how to do it:

Step 1: Download the Revolut App

To get started, download the Revolut app on your iOS or Android device. The app is available for free on the App Store and Google Play Store.

Step 2: Sign Up and Add Funds

Once you have the app installed, sign up for a Revolut account. You will need to provide some basic information, such as your name, email, and password. After signing up, add money to your Revolut account. You can top up your account via bank transfer, card, or other supported methods.

Step 3: Choose Transfer Method and Amount

Select Indonesia as the destination country. Then, choose your preferred transfer method: bank transfer, card transfer, or Revolut-to-Revolut transfer. Enter the amount you wish to send in Australian Dollars (AUD) or Indonesian Rupiah (IDR). Revolut supports transfers in over 30 currencies.

Step 4: Add Recipient Details

Provide the recipient's details, such as their full name, bank account number, and BIC/SWIFT code if transferring to a bank account. For card transfers, you can send money to eligible Visa or Mastercard accounts. Revolut also offers the option to create a payment link to send or receive money.

Step 5: Review Fees and Exchange Rates

Before confirming the transfer, Revolut will show you the exchange rates and fees associated with the transaction. Revolut offers competitive exchange rates and low fees for international transfers. On weekdays, there are no additional currency exchange fees within your plan's limits.

Step 6: Confirm and Track the Transfer

Finally, review the transfer details and tap "Send." You can then track the status of your transfer in real time directly within the Revolut app. Revolut will provide an estimated delivery time, and in most cases, transfers to Indonesia are completed within minutes or seconds.

By following these steps, you can conveniently send money from Australia to Indonesia using Revolut, taking advantage of their competitive rates, security features, and user-friendly platform.

Using Xe

Xe offers a safe, secure, and fast money transfer service to Indonesia from Australia. It is a good alternative to high-cost bank transfers.

Firstly, you will need to sign in to your Xe account or sign up for a free account. Then, enter the currency and amount you would like to transfer. Next, add your recipient's payment information, which can be their bank account or mobile wallet. Finally, confirm and fund your transfer.

Xe accepts direct debit, bank transfers, and card payments. Card payments are the quickest, processed almost instantly, but they come with a small additional fee. Bank transfers, direct debits, and ACH are slower, taking up to 2 business days to reach Xe.

Sending money to Indonesia from Australia can take anywhere from minutes to up to 3 business days, depending on your payment method. Xe offers transparent pricing, with no surprise fees, so you will know how much your transfer will cost before you send it.

You can send up to $2,321,960 AUD (or the currency equivalent) online.

Currency conversion and exchange rates

Several companies, such as Western Union, Wise, Revolut, and Xe, offer international money transfer services with competitive exchange rates and fees. These companies provide online platforms and mobile applications to facilitate secure and convenient transactions.

When using these services, you can expect variations in exchange rates and fees depending on factors such as the payment method, transfer amount, and speed of transfer. It is recommended to use a platform's calculator or fee estimator to get a personalised quote for your specific transfer. Some platforms, like Wise, allow you to lock in an exchange rate for a limited time, ensuring predictability.

Additionally, the method of payment can impact the exchange rate and associated fees. For example, paying with a credit card may incur additional fees, whereas a bank transfer or using a platform's balance, such as Wise or Revolut, can be more cost-effective.

To ensure you get the best value, it is advisable to compare the exchange rates and fees offered by different platforms before initiating a transfer. These platforms provide transparent pricing, allowing you to understand the exact amount your recipient will receive.

Frequently asked questions