Send Money from Hong Kong to Indonesia

There is no single cheapest provider on this corridor — it depends on how much you send and how your recipient is paid. Compare the total amount received in Indonesian rupiahs rather than the advertised fee, since the exchange rate margin is usually the larger cost. Bank deposit is typically cheaper than cash pickup.

Delivery ranges from minutes to a few business days depending on the provider and payout method. Instarem can deliver within minutes when you pay by debit card. Bank-funded and economy transfers typically take one to three business days but usually cost less. Transfers sent outside banking hours or over a weekend may not settle until the next working day.

Across the providers we compare, the available payout methods are bank deposit, cash pickup, card payout and mobile wallet. 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. 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 HKD 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 Hong Kong under the Customs and Excise Department, 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 HK$10,000, a specialist foreign-exchange broker will often beat an app on rate.

Remitly does not operate from Hong Kong. Its Hong Kong market root returns a 404, as does every Hong Kong corridor address tested. If you already use that service, you will need an alternative from the comparison table above for this corridor.

The card rows on this corridor are the most expensive on this site relative to the cheapest method. Wise's own table puts a debit card at 411.66 HKD against 49.66 HKD from a Wise balance on 10,000 HKD — about eight times as much, and roughly four percent of the money rather than well under one percent. Whatever else you do, do not fund this transfer with a card if you can avoid it. Both the debit figure above and the Wise-balance figure held identical across two independent reads. Wise's credit card row did not — it returned 483.79 HKD and 480.17 HKD — so no credit figure is published here. Hong Kong has one of the largest populations of Indonesian domestic workers in the world. As on this hub's Philippines page, the funding choice matters far more than the choice of service: eight times is not a margin, it is a different product. Remitly does not serve Hong Kong outbound. Its Hong Kong market root and every Hong Kong corridor address tested return a 404, so the comparison here is three services rather than the four this site carries in most markets. The rupiah figure is large enough to obscure the comparison — a few hundred thousand rupiah of difference is easy to overlook next to a seven-figure total. Convert the quoted payout back to Hong Kong dollars before deciding, or compare the rate. Wise quotes its Hong Kong tables at 10,000 HKD, not the 1,000 of the local unit it uses on most markets. That is a sixth distinct basis on this site, so a Hong Kong dollar figure cannot be read against a euro or pound figure elsewhere here without converting first.