Stop overpaying - start transferring money with Ogvio. Sign up, invite friends & grab Rewards now! 🎁
Nowadays, thousands of people send money to Indonesia, be it for family members, business partners, or any other purposes. But sometimes it can feel like a confusing jungle of high fees, weak exchange rates, and slow transfers. That’s why finding the best way to send money to Indonesia is crucial.
Do you go with your traditional bank and brace yourself for the hidden costs? Or do you trust a newer online service like Ogvio that promises lightning speed and better rates?
Forget the days of guesswork and nasty surprises. I've done the deep dive into speed, cost, and convenience for all the top options. Here are five recommendations I will cover in this article:
- Ogvio - Transfer Money to Indonesia Like Sending DMs
- Wise - Mid-Market Exchange Rates to IDR
- PayPal - Widely Accepted Payment Methods
- Western Union - Thousands of Cash Pickup Locations in Indonesia
- WorldRemit - Quick Transfers to Indonesia
Let's begin!
1. Ogvio - Transfer Money to Indonesia Like Sending DMs
Ranks #1 out of 5 Money Transfer Services
- + Remittance-oriented
- + Instant transfers
- + Incremental-to-no fees
- + Crypto support
- + @Tag functionality
- + Free transfers between users
- - No card (coming soon)
As a newcomer in the remittance space, Ogvio aims to make the whole process of sending money internationally simpler and more accessible. How, you might ask? First, by making remittances affordable and fair.
Most Ogvio transfers are free. On occasion, when fees do apply, you don't have to worry about hidden charges or surprise deductions. The plan is to ensure that you can see all the associated costs before you finalize any transactions. Basically, what you see is what you get.
|
|
|---|---|
|
Bank - free Crypto - free Card - varies |
|
| Varies | |
|
|
|
|
| Visit site Read review |
Table: Ogvio's pricing details
Another major pain point in the remittance industry is the unfair exchange rate. I’m sure some of you can relate to the dread of losing a significant portion of your money due to an unfavorable rate. This aligns with research that showed how remittance flows can be significantly affected by exchange rate conditions[1] and conversion practices.
The good news is this won’t be the case with Ogvio. The platform implements fair mid-market exchange rates to maximize the value of your funds. This reason alone makes using Ogvio one of the best ways to transfer money to Indonesia, in my opinion.
But if you ask me what my favorite Ogvio feature is, it would be the @Tag function. With this, you don't have to deal with complex IBANs or long addresses.
All you have to do is input the recipient’s unique username, and you can make an online money transfer to Indonesia as easily as sending a DM. It is also possible to request money using a custom payment link to make transfers easier for the other party.
Topping up your Ogvio account is also easy. The platform supports a wide range of methods, including bank transfers, credit/debit cards, and Google Pay or Apple Pay. There are no deposit fees or limits, meaning that you have total freedom.
Ogvio automatically converts your funds into either USD or EUR (your choice) upon deposit. This can help maintain the value of your money, especially in countries with volatile or inflating local currencies.
Ogvio supports more than 160 countries at launch. So, if you’re wondering how to send money to Indonesia from the USA, the UK, Brazil, and other countries, this is a great option.
Key Features
I’ve covered some of the core strengths of Ogvio, but there are so many more benefits you can get from the platform. Here are some other key features that make it one of the best ways to send money to Indonesia:
- Secure Platform. Ogvio secures users’ accounts using essential features like 256-bit AES encryption & biometric authentication.
- No Subscription Plan. Users don’t have to deal with confusing subscription plans to use Ogvio’s services. Simply create an account, and you’re ready to go.
- Quick Transfers. Most of your transfers with Ogvio take only seconds. There are no freezes, and there is no need to wait for days just for your money to arrive.
- Crypto Support. Ogvio goes beyond fiat money transfers by offering access to the crypto market. You can buy and send various cryptocurrencies on the Base network.
If you’re wondering how to send money to Indonesia easily, I highly recommend checking out Ogvio.
2. Wise - Mid-Market Exchange Rates to IDR
Ranks #2 out of 5 Money Transfer Services
- + Transparent fees
- + Fair exchange rates
- + A smooth user experience
- + Multi-currency accounts
- - Service coverage is broad, but not entirely worldwide
- - Cash pickups aren’t available
- - Added compliance checks for large transfers
Wise is popular for its mid-market exchange rates and relatively wide reach. It is available in more than 140 countries and regions worldwide, including Indonesia.
So, what is a mid-market exchange rate? It basically means that Wise uses the midpoint between the buy and sell rates on global currency markets. These rates are typically closer to what you will see in independent sources like Reuters or Google, and many consider it the “real” exchange rate.
|
|
|---|---|
|
Bank - free Card - varies SWIFT - varies |
|
|
|
|
|
|
|
| Visit site Read review |
Table: Wise's pricing details
At the time of writing, sending money to Indonesia using Wise is relatively affordable. Sending $1,000 only costs $7.50 if you choose direct debit from your Wise account balance, or $11.89 if you prefer a bank transfer.
However, it is worth noting that Wise offers limited features to Indonesian users. For example, you can’t use Wise's e-wallet service for local Indonesian transactions. Also, your funds will be automatically transferred to your linked bank account.
Regardless, since you can transfer money to Indonesian bank accounts and local e-wallets like GoPay and DANA, I think Wise is still one of the best ways to transfer money to Indonesia.
Key Features
While you’re researching how to transfer money to Indonesia, I’m sure Wise comes up a lot. Let me show you some of its key features to help you know the platform better:
- Instant Transfers. Wise claims that 64% of transfers arrive in under 20 seconds, and 95% in a day. This is a huge benefit for those who need to get their money fast.
- Transparent Fees. Wise ensures all associated fees are clearly communicated before you finalize your transfer to avoid unfair charges and hidden markups.
- Highly Regulated. Wise is regulated in multiple countries and regions, including the US, Australia, Indonesia, Japan, and many more.
- Business Solutions. Wise offers features for businesses, including team management, payment solutions, and API integration.
With its fair exchange rate and competitive fees, I think Wise is one of the cheapest ways to send money to Indonesia.
3. PayPal - Widely Accepted Payment Methods
Ranks #3 out of 5 Money Transfer Services
- + Easy to use
- + Simple payment process
- + Strong security
- + Wide coverage
- + Access to crypto
- - High fees
- - Not available everywhere
- - Customer support complaints
Who hasn’t heard of PayPal, right? Actually, while you’ve heard the name many times, there is a chance that you don’t know all the nitty-gritty of the platform itself.
It is available in more than 200 countries and regions worldwide, including Indonesia. To give you an idea of PayPal's size, it serves more than 400 million consumers and merchants.
|
|
|---|---|
Malaysia
South Korea
Italy+197 more |
|
|
EN DE JPN +23 more |
|
DKK
MYR
NZD+23 more |
|
BCH
LINKPYUSD +5 more |
|
| Visit site Read review |
Table: PayPal's coverage details
PayPal also remains one of the dominant players in the US e-commerce space as of 2025, accepted by many major retailers as well as numerous smaller businesses.
So, for those who wonder about how to send money to Indonesia from the USA, I’d say PayPal is almost a no-brainer. However, that doesn’t mean there are no potential drawbacks.
It is worth noting that using PayPal is not the cheapest way to send money to Indonesia. Fees for international transfers can go up to 5%, which is substantial. Transferring money under $100 from your PayPal account to an Indonesian bank account will also incur an additional fee.
📚 Check Out: Cheapest Way to Send Money Internationally
Therefore, while I still think it is a great option, it is important to be aware of these costs before you choose to use PayPal.
Key Features
Now that you know a bit more about PayPal, let’s take a look at some of its core offerings and what makes it possibly one of the best ways to transfer money to Indonesia:
- Simple Transfer Method. You can send money to another PayPal account simply by entering their associated email address or using a customized "PayPal.Me" link.
- Easy Linking. Indonesian users can easily link their bank accounts or debit/credit cards to their PayPal accounts. This allows them to complete any payment quickly without inputting information multiple times.
- Buyer/Seller Protection. PayPal has an integrated dispute center that helps either the seller or the buyer solve any problem related to their transactions.
- Cash Pickup. You can use Xoom’s service if your recipient in Indonesia prefers a cash pickup instead of an online money transfer.
With all of these features, it’s no wonder that PayPal is very popular. However, make sure you consider all the possible downsides before using its service to send money to Indonesia.
Did you know?
All Money Transfer Services may look similar to you, but they're NOT all the same!
4. Western Union - Thousands of Cash Pickup Locations in Indonesia
Ranks #4 out of 5 Money Transfer Services
- + An established money transfer service
- + Available in most countries
- + Multiple delivery types, including cash pickup
- + Various ways to fund a transfer
- - High fees and exchange rate markup
- - Outdated app interface
- - Doesn't allow long-term fund storage
Operating since the 1800s, Western Union entered the Indonesian market in the early 2000s and remains one of the best ways to send money to the country, especially for cash pickups.
At the time of writing this article, the company has around 19,000 agent locations throughout Indonesia, making physical coverage Western Union's biggest strength. In case it isn't clear enough, the cash pickup options is great for people who don't have access to online banking or simply prefer receiving cash directly.
|
|
|---|---|
|
|
| Per-transaction | |
|
|
|
| A global service trusted for decades for sending money digitally or in person, though often pricier than newer alternatives. | |
| Visit site Read review |
Table: Western Union's essential details
This also works in reverse. Let’s say someone is wondering how to send money from India to Indonesia, but neither the sender nor the recipient can access online banking. In that case, services like Western Union would be a godsend.
But of course, Western Union also lets you make online money transfers to Indonesia. As of now, you can pay by bank transfer, credit/debit card, or in person.
Key Features
So what made me consider Western Union as one of the best ways to send money to Indonesia? Take a look at some of its key features:
- Wide Physical Coverage. As of writing, Western Union is available in more than 200 countries and territories with over 500,000 agent locations.
- Digital Options. Aside from an extensive cash pickup network, Western Union also offers convenient ways to make online money transfers to Indonesia via its mobile app or website.
- Real-Time Tracking. Western Union lets users track their money transfers using the unique tracking number (MTCN).
- Highly Regulated. Western Union is heavily regulated, operating under the laws of every country it serves. The company operates in Indonesia through a network of authorized agents, such as PT. Pos Indonesia, Pegadaian, Indomaret, and several local banks.
If your recipient in Indonesia prefers accepting cash directly, Western Union is a highly recommended option. Just be aware of the fees, since it is not exactly the cheapest way to send money to Indonesia.
5. WorldRemit - Quick Transfers to Indonesia
Ranks #5 out of 5 Money Transfer Services
- + Fast money transfers
- + Wide international coverage
- + Multiple payout methods
- + Licensed in multiple countries
- - Limited overseas bank support
- - Fluctuating transfer costs
WorldRemit might not be as popular as some other names in this entry. But I still think that using it is one of the best ways to transfer money to Indonesia due to its quick transfer time and cost-efficiency.
For example, if you want to find out how to send money to Indonesia from the USA using a bank transfer, it will most likely arrive within the same day. Sending $1,000 to the country using WorldRemit only costs $1.99 at the time of writing, which is very affordable.
|
|
|---|---|
|
Free |
|
| Free | |
|
|
|
|
| Visit site Read review |
Table: WorldRemit pricing details
In addition to that, WorldRemit also has essential security measures to keep users safe. For example, it implements a strict KYC (Know Your Customer) verification process to “protect genuine people and deter criminals”.
The platform is also regulated in multiple countries, including the UK, Australia, Japan, and South Africa. This shows its dedication to following international standards, offering an extra layer of protection for transactions.
Key Features
Eager to know more about how WorldRemit can be the best way to send money to Indonesia? Check out some of its core offerings:
- Multiple Receiving Methods. WorldRemit offers up to four transfer methods, including bank transfers, cash pickup, mobile money, and Airtime top-ups. Keep in mind that availability may vary depending on your region.
- Easy Tracking. You can easily track all your ongoing transfers as well as completed ones from the app or the website. WorldRemit also lets you download receipts or set up real-time alerts for your transfers.
- Strong Security Measures. WorldRemit uses measures like 3-D Secure technology, encrypted connections, and secure checks to protect user data and money.
- Upfront Fees. WorldRemit states it shows all fees upfront, with no hidden charges. You can always check the associated cost before you finalize the transfer.
With features that compete with other popular platforms, I think WorldRemit can be a nice alternative for those looking for ways to transfer money to Indonesian bank accounts or via cash pickup.
How to Transfer Money From Singapore to Indonesia
Now that I’ve shown you five recommendations for the best way to send money to Indonesia, let’s move on to something a bit more specific: “How to transfer money to Indonesia?”.
Singapore is a prominent country for remittances to Indonesia, considering how close they are to each other. So, I think it will be worth it to take a look at the intricacies of sending money from Singapore to Indonesia. First, check out this table:
Common Sending Methods | Bank remittance services, online remittance apps, mobile wallet remittance, and Western Union cash services. |
|---|---|
Typical Transfer Time | Instant to same-day for most app/bank transfers. Some bank transfers may take 1 business day, depending on cut-off timing. |
Average Exchange Rate (Mid-Market) | S$1 ≈ Rp12,700-Rp12,800 (market rates vary daily). |
Average Fees | S$1-S$3 for remittance apps, depending on the amount. Sometimes, zero-fee promotions for services like DBS Remit, but FX margin may apply. |
Details Needed to Send | Recipient full legal name, bank name, and account number. For e-wallets: phone number linked to the wallet. |
Table: essential information about Singapore - Indonesia remittance
Transfers from Singapore are often very quick. Many providers deliver money to Indonesian bank accounts or e-wallets almost instantly or within the same day, especially when you use specialist remittance services or bank apps during business hours.
Keep in mind that cut-off times and FX windows at Singapore banks can affect same-day guarantees. Therefore, make sure to confirm the cut-off time with your bank or in the app.
Now, let’s take a look at how to transfer money from Singapore to Indonesia using Ogvio via mobile phone:
The cost of sending money from Singapore to Indonesia using Ogvio may vary. On average, it will cost around $0.6 for transfers worth US $100. But if you send money to another Ogvio account like I just showed you, it will be completely free.
Also, keep in mind that there is a limit of S$200,000/transfer when you send money from Singapore using Ogvio. So, make sure to plan around that.
How to Send Money to Indonesia From Malaysia
Personal remittances play a big role in Indonesia's economy, reaching around $10 billion in 2022. Malaysia is one of the key sources of that money. Studies on migration and remittances show that the Malaysia-Indonesia corridor is the second-largest outflow for Malaysia and the largest inflow for Indonesia, driven mainly by expats.
So, it makes sense that more and more people are looking into how to send money from Malaysia to Indonesia in a way that's fast and affordable. To help with that, here's a quick table with essential details about this corridor.
Common Sending Methods | Bank services, online remittance apps, mobile wallets, and cash-to-cash services. |
|---|---|
Typical Transfer Time | Instant to same-day for most app/bank transfers. Some bank transfers may take 1 business day, depending on cut-off timing. |
Average Exchange Rate (Mid-Market) | RM1 ≈ Rp4,000-Rp4,100 (market rates vary daily). |
Average Fees | Typically low, often around RM5-RM20 for remittance apps and bank services, depending on the provider and amount. |
Details Needed to Send | Recipient full legal name, bank name, and account number. For e-wallets: phone number linked to the wallet. For cash pickup: full name matching a valid ID. |
Table: essential information about the Malaysia - Indonesia remittance
As you can see, the exact speed and cost of sending money from Malaysia to Indonesia will depend on the provider and method you choose. Digital remittance apps are usually faster and cheaper, while banks and cash agents can be slower and add extra FX margin or service charge.
Using Ogvio as the example, you can typically fund your transfer with a bank transfer or a card payment, then send the money straight to an Indonesian bank account or supported wallet. The final cost will depend on how much you send and the payout route you pick, but Ogvio is designed to keep overall fees low, if not zero.
To make the whole process clearer, let's walk through a simple step-by-step guide on how to send money to Indonesia from Malaysia using Ogvio.
You can find the steps on how to top up your account in the guide above.
As you can see, the process is very easy.
How to Send Money From the US to Indonesia
Personal remittances received in Indonesia increased to $4.25 billion in the second quarter of 2025[2] from $4.16 billion in the first quarter. Many countries contributed to this, the US being one of them.
If you're based in the States and want to support relatives, pay for services, or cover expenses in Indonesia, it helps to know what to expect before you send anything. That's why I've put together a quick overview of the key details for US-Indonesia transfers.
Common Sending Methods | Online remittance apps, US bank wire transfers, and cash-to-cash services. |
|---|---|
Typical Transfer Time | Instant to 1 day using online money transfer apps or 1-5 business days for bank SWIFT transfers. |
Average Exchange Rate (Mid-Market) | $1 ≈ Rp16,600-16,700 (rates fluctuate daily). |
Average Fees | $0-$5 for online apps using bank ACH, $3-$15+ using debit or credit card, bank SWIFT wires may total $20–$45+, including intermediary fees. |
Details Needed to Send | Recipient full name (must match account), bank name, account number, and sometimes branch code. For e-wallets: phone number linked to the wallet. |
Table: essential information about the US - Indonesia remittance
As you can see, some details about sending money to Indonesia from the US vary depending on your preferred method. So, consider this when you want to make a remittance to the country.
Using Ogvio as the example, you can use either ACH, wire, or FedNow as your primary payment method. The cost for your transfer will also depend on how much you want to send. At the time of writing, sending $100 to Indonesia costs $0.49, while sending $300 incurs a fee of $0.99.
To make the process clearer, take a look at this simple step-by-step guide on how to send money to Indonesia from the USA using Ogvio. However, quick disclaimer before we get started:
Most US citizens won't be able to pass KYC on Ogvio unless they are officially living in another country. That said, you'll still be able to use the services, such as card payments and crypto transfers, but not bank transfers.
![Best way to send money to Indonesia: a red arrow pointing to the [Card Transfer] option on Ogvio.](https://assets.bitdegree.org/images/best-way-to-send-money-to-indonesia-us-step-3.jpg "Best way to send money to Indonesia: a red arrow pointing to the [Card Transfer] option on Ogvio.")
![Best way to send money to Indonesia: a red arrow pointing to the [Continue] button.](https://assets.bitdegree.org/images/best-way-to-send-money-to-indonesia-us-step-4.jpg "Best way to send money to Indonesia: a red arrow pointing to the [Continue] button.")
📚 Check Out: How to Send Bitcoin to Another Wallet
There you go! This kind of method also fits as one of the methods on how to send money from India to Indonesia. So, enjoy a fast, convenient way to send funds to just about anywhere in the world.
Cheapest Ways to Send Money to Indonesia
Before we conclude this article, let me cover one more crucial aspect I’m sure you want to know: “What is the cheapest way to send money to Indonesia?” Here are three main methods I’d recommend if you want to minimize transfer costs:
- Ogvio. Sending money to another Ogvio account is free, no matter where you’re from.
- Wise. Wise offers a true mid-market rate for international transfers, which means your transfer cost is likely more favorable.
- WorldRemit. WorldRemit fees are generally pretty competitive. Sending money from the USA to Indonesia will only cost around $2.
|
|
|
|
|
|---|---|---|---|
|
Bank - free Crypto - free Card - varies |
Bank - free Card - varies SWIFT - varies |
Free |
|
| Varies |
|
Free | |
|
|
|
|
|
|
|
|
| Visit site Read review | Visit site Read review | Visit site Read review |
Table: price comparison between Ogvio, Wise, and WorldRemit
The key is to do your research. Take your time and compare different money transfer platforms to get a better picture of which service can give you the best rate.
Conclusions
The need to find the best way to send money to Indonesia and many other countries is steadily growing as the global economy expands. At the end of the day, choosing the right remittance service depends on what you need and your own preferences.
Ogvio offers a quick and simple way to send money internationally, PayPal is widely accepted, and Western Union lets your recipient pick up the cash directly from an agent location. As you can see, each service has its unique strength, and it’s for you to decide which one is perfect for you.
But no need to rush! Reading this article is already the first step for your research. So take your time and make sure you choose one that best suits what you need.
Make sure to check out BitDegree’s Season 8 Airdrop for a chance to share the $15,000 prize pool.
Scientific References
1. Carare A., Celis J. P., Hadzi-Vaskov M., Morito Y.: 'How Do Remittances Affect the Real Exchange Rate? An Empirical Investigation';
2. Trading Economics.: 'Indonesia Remittances Statistics'.
Send Money Worldwide
Check out the best ways to send money to other countries quickly, safely, and with minimal fees.
About Article's Experts & Analysts
Disclosure: To keep our site running & free of charge, we may sometimes receive a small commission if a reader decides to purchase services via some links on site, at no extra cost.
