Send Money from Australia to Indonesia

Measured on the full cost — the transfer fee plus the exchange-rate margin — Wise is cheapest on this corridor at A$1,000, across the 3 providers we hold checked figures for. The cheapest provider also changes with the amount you send, so compare the final sum that arrives in Indonesian rupiahs rather than the headline fee.

At A$1,000, Wise is the cheapest of the 3 providers priced at that amount on this corridor: about A$4.92 all in, or 0.49% of the amount sent. Remitly is next at about A$8.09. That is the fee plus the exchange-rate margin that applied to a transfer of that size — priced at A$1,000 specifically, not worked out from a measurement taken at some other amount. It covers a bank transfer; cash pickup and mobile wallet payouts are priced separately. The margins were measured by Wise's comparison service rather than published by the providers themselves, and other providers here may be cheaper and are not priced this way.

Most transfers on this corridor arrive within one to three business days. Paying by debit card is generally faster than a bank transfer, and transfers initiated outside banking hours may not begin processing until the next working day.

Across the providers we compare, the available payout methods are GoPay, OVO, bank deposit, mobile wallet and cash pickup. The most widely used options in Indonesia are bank deposit and mobile wallets such as OVO and DANA. Indonesian bank transfers usually clear same day; wallet delivery is typically instant. Not every provider supports every method, so check the table above before you commit.

No. Remitly and Western Union offer cash pickup in Indonesia, so your recipient can collect the funds with valid photo ID and the transfer reference number. That said, bank deposit and mobile wallets such as OVO and DANA generally cost less than cash collection.

Providers rarely give you the mid-market rate — the reference rate you see on Google or Reuters. Instead they add a margin, typically between 0.4% and 4%, and keep the difference. That margin is often larger than the visible transfer fee, which is why a "no fee" service can still be more expensive overall. For AUD to IDR, compare the quoted rate against the mid-market rate to see the real spread you are paying.

Yes, provided you use a licensed provider. Every service listed on this page is regulated in Australia under AUSTRAC, which requires safeguarding of customer funds and identity verification. Send only to people you know personally, keep your transfer reference private, and be sceptical of anyone pressuring you to send money urgently to someone you have not met.

Yes. Each provider sets its own transfer limits, which vary by how much identity verification you have completed and how you pay. Larger transfers may require additional documentation such as proof of source of funds. For transfers above roughly A$10,000, a specialist foreign-exchange broker will often beat an app on rate.

Western Union publishes something unusual here: real-time deposit to BRI, BNI, BCA and Bank Mandiri, the four banks most Indonesians use. Most providers will not commit to a time at all, so if speed to a major bank matters, that is a concrete promise rather than a marketing claim. Wallets differ by service and do not overlap. Remitly reaches GoPay; Western Union reaches OVO. If your recipient uses one specifically, that single fact decides the page. At about 4.30 AUD on 1,000 AUD from a Wise account this is among the cheapest corridors on the site — roughly a tenth of what the same provider charges to Fiji from the same country.