Send money to Indonesia

If you need to get cash to a friend or family member in Indonesia, you have a choice to make. Do you opt for a quicker service? Do you care most about fees? Your answer to these questions can help you pick among the available options.

• International bank transfer: Both you and the person living in Indonesia will need a checking or savings account with a bank. To initiate the transfer, get the receiver’s international bank account number (IBAN), as well as the SWIFT/BAN code. This method is secure and fairly affordable, but the receiver may have to wait a few business days for the transaction to clear.

• Money transfer agents: These popular companies offer to send you cash in a short time, but the service comes with a higher fee than other options. While convenient and widely available at many of the places you shop, these services can also offer a less-than-great exchange rate. Less of the sender's money will actually get to the recipient.

• International money orders: International money orders work a lot like regular money orders. You buy the paper check at a post office, bank, or participating retailer, then send it off to your contact in Indonesia. While it’s affordable to buy the money order, sending it through international mail may come at a higher cost. It's also not very fast since mail times vary by country; the money can take days or weeks to get to Indonesia.

• Ria: If you want the best balance of low fees and speed, Ria money transfer services could be your best bet. This service offers service to Indonesia from over 100 countries and gives a great currency exchange rate to the Indonesian Rupiah. With transparent pricing, you’ll know exactly how much your recipient gets. The money can arrive for them in as little as 15 minutes.

Choosing Ria comes with flexible payment and payout options, too. You can fund your transaction with a bank account, credit/debit card, or cash. The receiver can pick up their cash at a retail location, get it deposited into their account, or have it sent to a Dana mobile wallet.

It can take anywhere from a few minutes to five business days to send money to an overseas location — including Indonesia. However, how long it takes depends on several factors, such as:

1. Transaction type

2. Payment method

3. Where you’re sending money from

4. Whether Ria requires additional information for security purposes

5. When you initiate the transfer

Some currencies or transfer methods are only available during local business hours. If you set up a Indonesia remittance outside of typical business hours, on a holiday, or on the weekend, you could experience delays.

If you’re looking for the fastest way to send money to Indonesia, you may want to use a debit or credit card for your transaction. These methods may incur additional fees, so be aware of that. However, they also typically finalize the same day they’re completed — sometimes within minutes -meaning your recipient could have the money almost immediately.

And if time isn’t a concern, consider setting up a bank transfer instead. This option usually takes three to five business days and comes with fewer fees.

The cost of sending money to Indonesia depends on several key factors, such as:

1. The payment method you use

2. The payout method (that is, the way your intended recipient gets the money)

3. Transfer amount

4. Currency exchange rates

Bank remittances are usually the cheapest option, while credit and debit card transfers can come with additional fees. This is especially true with credit card payments, as some credit card companies will charge extra. Keep in mind, though, that international money transfers usually come with certain charges — regardless of how you go about it.

As an international remittance service, Ria strives to keep our rates and fees as low as possible on money transfers to Indonesia and other countries. We do that by working with financial institutions worldwide to get you the lowest possible fees and best exchange rates. At times, we also have promo codes to cut down on some of the more unavoidable fees.

The overall transfer amount includes all fees. If you want to see the cost of sending money to Indonesia, here are your options:

1. Before you complete the transfer (but after you’ve logged into your account): You can see what it costs to send money to Indonesia via the app or website. Simply log into your account and go to “Send” or “Send Money.” Then, select your destination country, how much you want to send, your payout currency, and your payment and delivery methods.

2. Before you initiate a transfer (without logging in): You can go to Ria’s website for an estimate of what it will cost.

Both options can help prevent you from being surprised by any fees or charges associated with sending money overseas.

We offer several ways to track your money transfer to Indonesia, but the easiest option is to use our Track a Transfer tool, which provides real-time updates of your transfer — no matter where you are.

Here’s how to use this free online feature:

1. After logging into your Ria account: Once logged in, choose “Track” (from the app) or “Track a transfer” (from the website). Then, input the transfer’s unique personal identification number (PIN) to see its status.

2. Without logging into your Ria account: If you don’t have a Ria account, you can still use the Track a Transfer feature. You’ll still need the unique PIN, however. This enables both the sender and recipient to see the transfer status at any point.

Two things are worth noting.

1. If you reside in Australia, you must also provide your birth date and recipient’s country (Indonesia) to track the transfer.

2. As the sender, you’ll also receive emailed updates regarding the transfer’s status and any major changes.

There are several ways to send money to Indonesia safely and efficiently. Which method is the best for you is a personal decision — it all comes down to how fast you need the Indonesia money transfer to arrive, how you want your friends and family to receive it, and how you want to pay.

Bank transfers: You can use your bank to transfer money to a bank in Indonesia through an international wire transfer. With this method, there’s no cash involved — you simply instruct your bank to send money to your recipient’s bank account. 

To complete a wire transfer through your bank, you usually must provide your recipient’s name, address, contact information, and banking information. This includes their international bank account number (IBAN) and their bank’s SWIFT/BIC code. 

There are several drawbacks to using a bank transfer to send money to Indonesia. For one, both you and your recipient need to have bank accounts at institutions that allow international transfers. 

For another, they’re typically expensive. Some banks charge as much as $50 for the convenience of an international wire transfer to the sender. And a few charge a fee to the recipient as well. In addition, your bank may limit the amount of money you can send through this method.

Money transfer agents: Traditional money transfer agents allow customers to send money abroad using cash. These agents usually have offices you can visit to fund the transfer with cash. Your recipient can then visit the transfer agent’s office closest to them and receive the money as cash. 

Of course, one of the main drawbacks of using this method for sending money is that your recipient must live near a transfer agent’s office. Another is the fact that these agents sometimes have complicated pricing structures, and fees and exchange rates can vary widely.

Money orders: Sending an international money order is similar to sending a check through the mail. You can buy a pre-paid money order certificate from your local post office or bank and then send it directly to your recipient via international mail. They can then redeem the certificate for cash.

There are several big disadvantages to this money-sending method, mainly that it’s expensive and slow. 

Online money transfer services: Online money transfer services such as Ria make it easy to send money to Indonesia and more than 165 other countries around the globe. Ria charges no sneaky hidden fees, so your Indonesia remittance will go further. 

Ria also offers great exchange rates and allows you to send money through our convenient mobile app or any of the 500,000-plus participating locations. Ria offers a quick alternative to other money-sending methods. Many transfers arrive within minutes. Send money with Ria now. 

Signing up for an account with Ria is easy. The exact steps you’ll take vary depending on your location and whether you want to use the app or website.

Create a Ria account via the app in the US or Canada:

1. Download the Ria app and tap the “Register” button.

2. Confirm your current country. 

3. Enter your email address and choose a password.

4. Agree to Ria’s Terms and Conditions.

5. Enter your full name, date of birth and phone number, then tap “Continue.”

6. Choose to subscribe to receive promotions, discounts, and other special offers or tap “Not now” to opt out.

7. Enter your mailing address and tap “Continue.”

8. Select and answer three security questions to protect your account.

Create a Ria account via the app everywhere else:

1. Download the Ria app and tap the “Register” button.

2. Confirm your current country.

3. Enter your phone number and verify it by entering the 6-digit code we send you.

4. Choose a password.

5. Agree to Ria’s terms and conditions.

6. Enter your full name, email address, and date of birth (we may also ask for your country of birth, nationality, occupation, and ID information).

7. Tap the “Continue” button.

8. Choose to subscribe to receive promotions, discounts, and other special offers or tap “Not now” to opt out.

9. Enter your mailing address and tap the “Continue” button.

Create an account via the website:

1. Visit riamoneytransfer.com.

2. Click “Register” in the top right-hand corner of the screen.

3. Choose your country of residence.

4. Click “Get started.”

5. Enter your phone number and the security code we send to your phone.

6. Choose a password. 

7. Enter your first and last name, date of birth, and email address.

8. Select whether you’d like to receive marketing messages from Ria.

9. Enter your address.

Money transfers to Indonesia require a few pieces of information to ensure a smooth transaction. If sending through an international bank transfer, for example, the account numbers for both you and the receiver (plus a SWIFT/BIC code) are needed.

Using Ria makes it simpler because you can enter all the information from your phone if you choose. What will you need?

• The recipient’s full first and last name, as it appears on a government-issued photo identification card

• The Indonesian province and city where the recipient lives

• The currency amount you want to send

• Payment information, such as your credit or debit card number and bank account information

• Payout information, such as the Indonesian digital wallet, bank account, SWIFT/BAN code, or physical cash pickup location

You can set up a Indonesia money transfer from the Ria app or website. Start by signing into your existing account or create a new one if you don’t have one. If you haven’t verified your phone number or set up your online profile yet, you can do that now.

Since this is your first money transfer to Indonesia, you’ll need to add a new recipient to your account — that is, the person who will receive money in Indonesia. Adding a recipient is easy. Just provide basic information about them, such as their name, current location, and phone number. If you want to transfer money to their bank, input their bank account details as well.

Once you’ve added a recipient to your account, you can decide how much money to send them — either in your currency or theirs. At this point, you can also select the payout method. Remember, each payout method comes with its own advantages and fees.

With that done, simply choose your payment method for the Indonesia remittance. You can add a new payment method to your account on the website or the app.

Once you’ve completed that first transfer, the process becomes even easier as your recipient’s basic information is saved to your account. Ria doesn’t store your recipient’s bank account information, however, so you will need to input that again.

Some money transfers go through within minutes of setting them up. However, you might have to wait a few hours or days before your transfer is complete.

That’s where tracking your transfer comes into play. You can use the Track a Transfer feature for status updates on your Indonesia remittance. You’ll just need the PIN, which you can find in your account or the confirmation email you received after scheduling the transfer. Your recipient can also use this tool.

A standard money transfer to Indonesia doesn’t take very long to complete, though it depends on the payment and payout methods. If you’ve chosen a debit or credit card transfer, your recipient should receive money in Indonesia within minutes. A bank transfer, on the other hand, can take several business days to complete.

Certain factors may delay your transfer. For example, if you set up the transfer outside local business hours or on a holiday or weekend, it might take a little longer. In some cases, Ria will also request additional information from you for security purposes, which could cause additional delays.

Senders and recipients can use Ria’s Track a Transfer feature for real-time transfer updates. All you need is the transfer’s PIN and order number.

Senders can also use the Ria app to track the transaction — just tap the “Track” option. In addition, senders will be notified by email when their recipient has picked up or received the money — or if there’s another major status change.

If your friend or family member in another country uses the Ria money transfer service, you can get your cash in a few ways.

• Cash pickup: Choose a physical retail location near you and let the sender know about it. They can have the money sent there, so you can show your government-issued photo ID and be on your way!

• Bank transfer: If you and the sender have bank accounts, you can have the money deposited directly. Be sure to provide your international bank account number (IBAN) and SWIFT code so that it arrives at the proper destination.

• Digital wallet: Ria supports digital wallet payment through Dana in Indonesia. Provide your phone number and other associated account information to have it conveniently deposited into your wallet.

Generally speaking, you can fund your transfer to Indonesia with cash, a credit card, a debit card, or a bank account. Your exact choices depend on where you live and if you use the desktop site, mobile app, or a physical location.

Ria desktop users have the following options:

• Bank transfer from the U.S

• Cash from the U.S.

• Debit or credit card from Australia, Canada, Spain, the U.K., or the U.S.

Ria mobile app users can choose from the following:

• Bank transfer from the U.S.

• Cash from the U.S., Malaysia, or Singapore

• Debit or credit card from Australia, Canada, Europe, Malaysia, the U.K., or the U.S.

• Fintoc or Sencillito from Chile

• Klarna from Austria, Germany, or Spain

• Bancontact fromBelgium

• Giropay from Germany

• iDEAL from the Netherlands

• PayID from Australia

• FPX from Malaysia

You can see the full list of all payment methods for more information on where you live.

Unfortunately, you can't use Zelle to send money to Indonesia.

That's because Zelle currently works only with bank accounts based in the U.S. There's no way to make a money transfer to an international account. Both the recipient and the sender must have U.S.-based checking or savings accounts — as well as U.S. phone numbers.

Instead, consider using an online money transfer service like Ria. Ria is quick, safe, and convenient. We offer great exchange rates, low fees (with no hidden charges), and a variety of payment and pickup options — all from our website or mobile app.

Ria serves customers in more than 165 countries — meaning sending money to or receiving money in Indonesia is a breeze. You don't even need to have a bank account to use Ria — unlike with Zelle. Send money now with Ria. 

Currently, you can't use Venmo to send money to Indonesia. That's because only U.S. residents can use the app to send or receive money transfers.

Venmo may not work with international accounts. But Ria serves more than 165 countries around the globe — including Indonesia. Ria makes sending money internationally simple, quick, and secure. Your recipient in Indonesia could get the money transfer in as little as 15 minutes if you use Ria. Plus, there are no additional fees.  You are fully aware of all costs and the amount of Indonesia currency your recipient will get before you even complete the transfer.

Send money now with Ria.

Visit any Ria location, use our website, or log into our mobile app to send money directly to your recipient’s bank account in Indonesia. All you need is:

1. The recipient’s full legal name (as it appears on their bank account)

2. The name of the recipient’s bank 

3. The recipient’s bank account number or IBAN (international bank account number)

Ria will take care of the rest!

Hands down, sending money via electronic transfer is the safest way to send money to Indonesia.

In the old days, it was common for people to send remittances by mailing cash. Not only does this method take a long time (they call it “snail mail” for a good reason), but it’s also just not safe. The mailed money could get stolen or lost at any point during its long journey.

Instead, using an online money transfer service like Ria ensures that your money gets exactly where you intend it to go. 

In addition, Ria’s team of world-class security experts works around the clock to monitor your money transfers and keep a watchful eye out for unusual behavior. Ria’s software allows the team to spot any suspicious activity long before any harm can be done to your account.

Plus, Ria never stores your payment details on its servers. So, your credit or debit card or bank account information will never be compromised in Ria’s system.

Your safety is Ria’s number one priority when sending money to Indonesia.

No matter where in Indonesia the receiver lives, you have options for getting them cash quickly. These secure options are the most common:

• International money order: While these are widely available at post offices and other locations, the speed of getting them to Indonesia can be very slow. If you don’t have time (or money) to get them sent through international mail, you may want to trade up to a better method.

• International bank transfer: You and the person in Indonesia must both have bank accounts for this option to work. You’ll also need to have their international bank account number (IBAN), as well as other details. While secure and sometimes speedy, this method has been known to take a few business days (or even longer on weekends and holidays).

• Third-party money transfer agent: Money transfer agents are available in many places and make their money by charging higher fees. The service is fast, but between the exchange rate to the Indonesia Rupiah and the service fees, you could find yourself with less left to share with your friends.

• Ria: Why choose between speed, flexibility, and price? If you don’t want to compromise, consider what Ria has to offer. Its low, transparent fees and great exchange rates mean you get to send more to those you care about. The send time can be as little as 15 minutes, too, so your loved ones get the money when it matters most.

Convinced Ria is for you? Join others in making the switch by using these simple steps:

1. Register for a free Ria account. You’ll be asked your name, birthdate, and a few other simple details to begin. Your location determines which information you need to provide.

2. Click “Send” or “Send money to begin the transaction.

3. Pick “Indonesia” from the list of available countries. (Double-check that your country is showing as the sending country.)

4. Type in how much you want to send to Indonesia. You’ll see the fee cost and the exchange rate so you know how many Indonesian rupiahs will be sent.

5. Choose a payment option. You can pick cash, debit card, credit card, or bank account.

6. Select how your Indonesian loved one would like to get their money. Before you complete the transaction, they should tell you if they want a bank account, cash, or digital wallet.

7. Click "Continue."

8. Type in the full first and last name of your friend in Indonesia. It should match their government-issued photo ID exactly. You’ll also need to include the city and province where they are located.

9. Include additional payout details, such as international bank account number (IBAN) or SWIFT code. If they chose a cash pickup, select the location. You can also pick the Dana digital wallet as an option.

10. Enter your payment information. This may be your credit or debit card number or bank account number. If you prefer cash, you can complete the transfer at a physical retail location.

Getting money quickly to Indonesia is a simple and affordable process. With Ria, you are never surprised by fees or exchange rates. Everything is transparent. You can plan for how much money gets there to the penny, and your friend or family member has assurance that it will arrive securely in as little as 15 minutes.

Whether you want to send $50 or $5,000 (or even more!), you have flexibility with Ria money transfer services. It's a new digital experience bringing desktop and mobile technology to your fingertips, so you can resend to the same friend with just a few clicks. After setting up your account, be sure to sign up for notifications so you never miss an update and can track your transactions easily.

It’s also available for those without phones or who just prefer the traditional experience of sending cash from a retail location in your neighborhood. In fact, some users use both options when it makes the most sense for them.