Best companies for AUD/IDR transfers
11 of 11 providers Last updated on 10 November 2026
Based on 2,000 AUD transfer Best companies for AUD/IDR transfers Sort Cheapest
Ad Wise Pay via Bank Transfer	Fees: $8.70 1 AUD = 12499.6000 IDR +0.02% vs mid-market	Recipient gets Rp 24,890,453.00 Within minutes
25 reviews Receive to bank accountDedicated support for large transfers
Ways to receive money in Indonesia with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer $8.701 AUD = 12499.6000 IDR Rp 24,890,453.00You pay$2,000.00
Ad Xe Pay via Debit Card	Fees: $0.00 1 AUD = 12441.3349 IDR +0.48% vs mid-market	Recipient gets Rp 24,882,669.80 6-12 Hours
4 reviews Receive to bank accountDedicated support for larger transactions
Ways to receive money in Indonesia with Xe when paying by debit card. MethodFee & ratesRecipient gets Bank deposit6-12 Hours Free1 AUD = 12441.3349 IDR Rp 24,882,669.80You pay$2,000.00
Run a live search Showing top Australia to Indonesia deals for 2,000 AUD. Do a live search with your exact amount for today's best rates.
Run a live search Showing companies that send from a business account. Run a business search to get live AUD to IDR rates.
Run a live search These companies offer multi-currency accounts for spending IDR. We suggest doing a live search based on how much AUD you're planning to spend in Indonesia.
Run a live search These are managed services with real human support for large AUD transfers. Click the link and update the transfer amount to get the best deal.
Remitly Pay via Bank Transfer	Fees: $0.00 1 AUD = 12597.9800 IDR -0.77% vs mid-market	Recipient gets Rp 25,195,960.00 Within a week
19 reviews Cheapest Receive to bank account or cash pickup
Ways to receive money in Indonesia with Remitly when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin a week Free1 AUD = 12597.9800 IDR Rp 25,195,960.00You pay$2,000.00

Remitly Pay via PayTo	Fees: $0.00 1 AUD = 12597.9800 IDR -0.77% vs mid-market	Recipient gets Rp 25,195,960.00 Within a week
19 reviews Receive to bank account or cash pickup
Ways to receive money in Indonesia with Remitly when paying by payto. MethodFee & ratesRecipient gets Bank depositWithin a week Free1 AUD = 12597.9800 IDR Rp 25,195,960.00You pay$2,000.00
Ria Money Transfer Pay via Credit Card	Fees: $2.89 1 AUD = 12566.4900 IDR -0.52% vs mid-market	Recipient gets Rp 25,096,662.84 6-12 Hours
0 reviews
Ways to receive money in Indonesia with Ria Money Transfer when paying by credit card. MethodFee & ratesRecipient gets Mobile wallet6-12 Hours $2.891 AUD = 12566.4900 IDR Rp 25,096,662.84You pay$2,000.00 Cash pickup6-12 Hours $2.891 AUD = 12566.4900 IDR Rp 25,096,662.84You pay$2,000.00 Bank deposit6-12 Hours $2.891 AUD = 12547.5600 IDR Rp 25,058,857.55You pay$2,000.00

Ria Money Transfer Pay via Debit Card	Fees: $2.89 1 AUD = 12566.4900 IDR -0.52% vs mid-market	Recipient gets Rp 25,096,662.84 6-12 Hours
0 reviews
Ways to receive money in Indonesia with Ria Money Transfer when paying by debit card. MethodFee & ratesRecipient gets Mobile wallet6-12 Hours $2.891 AUD = 12566.4900 IDR Rp 25,096,662.84You pay$2,000.00 Cash pickup6-12 Hours $2.891 AUD = 12566.4900 IDR Rp 25,096,662.84You pay$2,000.00 Bank deposit6-12 Hours $2.891 AUD = 12547.5600 IDR Rp 25,058,857.55You pay$2,000.00
Ria Money Transfer Pay via PayID	Fees: $2.89 1 AUD = 12566.4900 IDR -0.52% vs mid-market	Recipient gets Rp 25,096,662.84 6-12 Hours
0 reviews
Ways to receive money in Indonesia with Ria Money Transfer when paying by payid. MethodFee & ratesRecipient gets Mobile wallet6-12 Hours $2.891 AUD = 12566.4900 IDR Rp 25,096,662.84You pay$2,000.00 Cash pickup6-12 Hours $2.891 AUD = 12566.4900 IDR Rp 25,096,662.84You pay$2,000.00 Bank deposit6-12 Hours $2.891 AUD = 12547.5600 IDR Rp 25,058,857.55You pay$2,000.00
Western Union Pay via Debit Card	Fees: $0.00 1 AUD = 12474.9634 IDR +0.21% vs mid-market	Recipient gets Rp 24,950,000.00 Next Day
8 reviews Receive to bank account or cash pickup
Ways to receive money in Indonesia with Western Union when paying by debit card. MethodFee & ratesRecipient gets Bank depositNext Day Free1 AUD = 12474.9634 IDR Rp 24,950,000.00You pay$2,000.00

Western Union Pay via Bank Transfer	Fees: $0.00 1 AUD = 12474.9634 IDR +0.21% vs mid-market	Recipient gets Rp 24,950,000.00 Next Day
8 reviews Receive to bank account or cash pickup
Ways to receive money in Indonesia with Western Union when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositNext Day Free1 AUD = 12474.9634 IDR Rp 24,950,000.00You pay$2,000.00
Pricing based on Revolut Standard plan Revolut Pay via Bank Transfer	Fees: $3.00 1 AUD = 12466.8352 IDR +0.28% vs mid-market	Recipient gets Rp 24,896,269.90 Within minutes
10 reviews Fastest Receive to bank account
Ways to receive money in Indonesia with Revolut when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutes $3.001 AUD = 12466.8352 IDR Rp 24,896,269.90You pay$2,000.00
US Disclaimer: Revolut is not a bank. Banking services are provided by Lead Bank, Member FDIC. Fees may apply. See revolut.com/en-US / for details.
Wise Pay via Bank Transfer	Fees: $8.70 1 AUD = 12499.6000 IDR +0.02% vs mid-market	Recipient gets Rp 24,890,453.00 Within minutes
25 reviews Our top pick Receive to bank accountDedicated support for large transfers
Ways to receive money in Indonesia with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer $8.701 AUD = 12499.6000 IDR Rp 24,890,453.00You pay$2,000.00

Wise Pay via Osko	Fees: $8.70 1 AUD = 12499.6000 IDR +0.02% vs mid-market	Recipient gets Rp 24,890,453.00 Within minutes
25 reviews Receive to bank accountDedicated support for large transfers
Ways to receive money in Indonesia with Wise when paying by osko. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer $8.701 AUD = 12499.6000 IDR Rp 24,890,453.00You pay$2,000.00
Xe Pay via Debit Card	Fees: $0.00 1 AUD = 12441.3349 IDR +0.48% vs mid-market	Recipient gets Rp 24,882,669.80 6-12 Hours
4 reviews Receive to bank accountDedicated support for larger transactions
Ways to receive money in Indonesia with Xe when paying by debit card. MethodFee & ratesRecipient gets Bank deposit6-12 Hours Free1 AUD = 12441.3349 IDR Rp 24,882,669.80You pay$2,000.00

Xe Pay via Bank Transfer	Fees: $0.00 1 AUD = 12441.3349 IDR +0.48% vs mid-market	Recipient gets Rp 24,882,669.80 6-12 Hours
4 reviews Receive to bank accountDedicated support for larger transactions
Ways to receive money in Indonesia with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank deposit6-12 Hours Free1 AUD = 12441.3349 IDR Rp 24,882,669.80You pay$2,000.00
Xe Pay via Credit Card	Fees: $0.00 1 AUD = 12441.3349 IDR +0.48% vs mid-market	Recipient gets Rp 24,882,669.80 6-12 Hours
4 reviews Receive to bank accountDedicated support for larger transactions
Ways to receive money in Indonesia with Xe when paying by credit card. MethodFee & ratesRecipient gets Bank deposit6-12 Hours Free1 AUD = 12441.3349 IDR Rp 24,882,669.80You pay$2,000.00
OFX Pay via Bank Transfer	Fees: $0.00 1 AUD = 12420.3811 IDR +0.65% vs mid-market	Recipient gets Rp 24,840,762.28 6-12 Hours
7 reviews Receive to bank account
Ways to receive money in Indonesia with OFX when paying by bank transfer. MethodFee & ratesRecipient gets Bank deposit6-12 Hours Free1 AUD = 12420.3811 IDR Rp 24,840,762.28You pay$2,000.00
Wise Pay via Debit Card	Fees: $14.24 1 AUD = 12499.6000 IDR +0.02% vs mid-market	Recipient gets Rp 24,821,206.00 Within minutes
25 reviews Receive to bank accountDedicated support for large transfers
Ways to receive money in Indonesia with Wise when paying by debit card. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer $14.241 AUD = 12499.6000 IDR Rp 24,821,206.00You pay$2,000.00
TapTap Send Pay via Debit Card	Fees: $0.00 1 AUD = 12400.0000 IDR +0.82% vs mid-market	Recipient gets Rp 24,800,000.00 Minutes
2 reviews Receive to bank account
Ways to receive money in Indonesia with TapTap Send when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes Free1 AUD = 12400.0000 IDR Rp 24,800,000.00You pay$2,000.00 Mobile walletMinutesAvailable via:DANA, GoPay, LinkAja, OVO, ShopeePay Free1 AUD = 12400.0000 IDR Rp 24,800,000.00You pay$2,000.00
Remitly Pay via Debit Card	Fees: $0.00 1 AUD = 12373.0100 IDR +1.03% vs mid-market	Recipient gets Rp 24,746,020.00 Within minutes
19 reviews Receive to bank account or cash pickup
Ways to receive money in Indonesia with Remitly when paying by debit card. MethodFee & ratesRecipient gets Bank depositWithin minutes Free1 AUD = 12373.0100 IDR Rp 24,746,020.00You pay$2,000.00

Remitly Pay via Credit Card	Fees: $0.00 1 AUD = 12373.0100 IDR +1.03% vs mid-market	Recipient gets Rp 24,746,020.00 Within minutes
19 reviews Receive to bank account or cash pickup
Ways to receive money in Indonesia with Remitly when paying by credit card. MethodFee & ratesRecipient gets Bank depositWithin minutes Free1 AUD = 12373.0100 IDR Rp 24,746,020.00You pay$2,000.00
$0 fee on first online transfers MoneyGram Pay via Debit Card	Fees: $2.99 1 AUD = 12363.7571 IDR +1.11% vs mid-market	Recipient gets Rp 24,727,514.20 6-12 Hours
2 reviews
Ways to receive money in Indonesia with MoneyGram when paying by debit card. MethodFee & ratesRecipient gets Cash pickup6-12 Hours $2.991 AUD = 12363.7571 IDR Rp 24,727,514.20You pay$2,002.99 Bank deposit6-12 HoursAvailable via:All Banks $2.991 AUD = 12363.7571 IDR Rp 24,727,514.20You pay$2,002.99 Mobile wallet6-12 HoursAvailable via:Select Wallets Free1 AUD = 12315.8446 IDR Rp 24,631,689.20You pay$2,000.00

$0 fee on first online transfers MoneyGram Pay via POLi	Fees: $2.99 1 AUD = 12363.7571 IDR +1.11% vs mid-market	Recipient gets Rp 24,727,514.20 6-12 Hours
2 reviews
Ways to receive money in Indonesia with MoneyGram when paying by poli. MethodFee & ratesRecipient gets Cash pickup6-12 Hours $2.991 AUD = 12363.7571 IDR Rp 24,727,514.20You pay$2,002.99 Bank deposit6-12 HoursAvailable via:All Banks $2.991 AUD = 12363.7571 IDR Rp 24,727,514.20You pay$2,002.99 Mobile wallet6-12 HoursAvailable via:Select Wallets Free1 AUD = 12315.8446 IDR Rp 24,631,689.20You pay$2,000.00
$0 fee on first online transfers MoneyGram Pay via Credit Card	Fees: $2.99 1 AUD = 12363.7571 IDR +1.11% vs mid-market	Recipient gets Rp 24,727,514.20 6-12 Hours
2 reviews
Ways to receive money in Indonesia with MoneyGram when paying by credit card. MethodFee & ratesRecipient gets Bank deposit6-12 HoursAvailable via:All Banks $2.991 AUD = 12363.7571 IDR Rp 24,727,514.20You pay$2,002.99 Cash pickup6-12 Hours $2.991 AUD = 12363.7571 IDR Rp 24,727,514.20You pay$2,002.99 Mobile wallet6-12 HoursAvailable via:Select Wallets Free1 AUD = 12315.8446 IDR Rp 24,631,689.20You pay$2,000.00
Panda Remit Pay via Bank Transfer	Fees: $5.99 1 AUD = 12386.7821 IDR +0.92% vs mid-market	Recipient gets Rp 24,699,367.38 6-12 Hours
0 reviews
Ways to receive money in Indonesia with Panda Remit when paying by bank transfer. MethodFee & ratesRecipient gets Bank deposit6-12 Hours $5.991 AUD = 12386.7821 IDR Rp 24,699,367.38You pay$2,000.00
Wise Pay via Credit Card	Fees: $27.77 1 AUD = 12499.6000 IDR +0.02% vs mid-market	Recipient gets Rp 24,652,086.00 Within minutes
25 reviews Receive to bank accountDedicated support for large transfers
Ways to receive money in Indonesia with Wise when paying by credit card. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer $27.771 AUD = 12499.6000 IDR Rp 24,652,086.00You pay$2,000.00
NAB Pay via Bank Transfer	Fees: $0.00 1 AUD = 12152.0870 IDR +2.84% vs mid-market	Recipient gets Rp 24,304,173.97 3-5 Days
0 reviews
Ways to receive money in Indonesia with NAB when paying by bank transfer. MethodFee & ratesRecipient gets Bank deposit3-5 Days Free1 AUD = 12152.0870 IDR Rp 24,304,173.97You pay$2,000.00
How Our Results Work Mid-market rate: 1 AUD = 12501.6418 IDR Updates every 60 minutes.

Why compare

AUD/IDR exchange rate

Best ways to pay & receive

Transfer speed

How to send money from Australia to Indonesia

Pick a company

Start with the cheapest, which is Remitly at 25,195,960 IDR on A$2,000.

Remitly was the cheapest on 24 of the 26 days it quoted A$2,000 transfers to Indonesia.

Funding is quick whoever you pick, so the choice comes down to the rate and how your recipient collects it.

Fund your transfer

You have 7 ways to pay, including bank transfer, debit card, credit card, PayTo, PayID, osko, and POLi.

PayID and Osko move money to the company in seconds at no cost, and PayID shows you the account name before you confirm.

Watch your bank's daily limit on anything large.

Verify and send

First time round you'll need a photo ID, usually a licence or a passport.

A passport and visa are enough if you’re new (you don’t need an Australian credit history).

Compare amounts

How much AUD are you sending to Indonesia?

How much AUD you send to Indonesia heavily affects the best ways and the cheapest options. Use the table below to check how the cheapest options change and how much more you'd get by comparing.

Our analysis shows Remitly was the cheapest in 93% of the transfers up to A$2,000 it quoted, and in 91% of all the transfers it quoted.


$1,000	-2.03%	$0.00	Rp 12,753,080.00with bank transfer to bank deposit	+Rp 312,018.52
$1,500	-1.24%	$0.00	Rp 18,979,620.00with bank transfer to bank deposit	+Rp 318,205.70
$2,000This page	-0.77%	$0.00	Rp 25,195,960.00with bank transfer to bank deposit	+Rp 333,490.33
$3,000	-0.38%	$0.00	Rp 37,616,520.00with bank transfer to bank deposit	+Rp 414,031.03
$7,500	0.23%	$0.00	Rp 93,562,300.00with debit card to bank deposit	+Rp 421,922.61
$12,000	0.27%	$0.00	Rp 149,572,349.22with bank transfer to bank deposit	+Rp 595,019.01
$15,000	0.27%	$0.00	Rp 186,965,436.53with bank transfer to bank deposit	+Rp 744,968.48
$50,000	0.25%	$0.00	Rp 623,286,181.99with bank transfer to bank deposit	+Rp 2,246,808.81
$100,000	0.25%	$0.00	Rp 1,245,817,903.56with bank transfer to bank deposit	+Rp 4,455,104.05
$250,000	0.20%	$0.00	Rp 3,119,580,151.12with bank transfer to bank deposit	+Rp 14,901,187.11
$500,000	0.20%	$0.00	Rp 6,236,442,867.00with bank transfer to bank deposit	+Rp 17,896,673.64

Mid-market rate: 1 AUD = 12501.6418 IDR

AUD/IDR Exchange Rate History

Is today a good time to send money from Australia to Indonesia?

The cheapest way to send AUD to IDR can change every day, or stay with the same company all month.

We've compared the mid-market rate with the cheapest option each day (today it's Remitly), across 30 days of comparisons for 2,000 AUD transfers to Indonesia.

Each line shows what the recipient gets when you send $2,000, after fees, as quoted by each company. The mid-market line shows what $2,000 converts to at the real exchange rate, with no fees or markup. Rates are checked once a day. Sponsored placements never affect this data. The bank line is the cheapest bank available on each day.

The dashed line is what you'd get at the mid-market rate with no fees, and the blue line is the cheapest option that day.

When the blue line goes above the dashed one, you're getting more IDR per AUD than the mid-market rate can offer.

This could be due to money transfer offers, FX rate adjustments, or market competitiveness.

In the past month, a money transfer company beat the mid-market rate on 25 of the last 30 days.

Right now, Remitly pays 25,195,960 IDR on 2,000 AUD, which is 192,676.37 IDR more than the mid-market amount, so it's a good deal (pretty much free money).

Today's payout isn't the best this month though, since the highest receive amount was 25,709,600 IDR.

If you can wait and want to get the most out of your transfer, create a rate alert and we'll let you know when the rate improves.

If you need to send money now, it's a good time to send.

Ways to send money from Australia to Indonesia

11 money transfer companies let you send money from Australia to Indonesia.

Cheapest for most transfers

Online transfers

Sending money online with a “self-service” provider is usually the cheapest way to send money to Indonesia.

For example, sending A$2,000 with Remitly will get you 25,195,960 IDR after a A$0 fee and -0.77% markup.

In our comparisons over the past month, it was the cheapest online service on 24 of the 26 days it quoted.

To speed up the transfer, use PayID or bank transfer, this will ensure your money is withdrawn instantly from your AU bank account.

Plus, PayID shows the registered payee name, which gives you an extra check against the details you entered.

For regular transfers home

Money transfer apps

An app suits the transfer you make over and over to the same recipient, similar amount, every payday or so.

Remitly takes A$0 in fees and -0.77% markup on a A$2,000 transfer, and your IDR arrives in within a week.

Over the past month, Remitly was the cheapest app on 92% of the days it appeared for A$2,000 transfers.

Signing up is quick even if you're new to Australia.

A passport and visa are enough for most money transfer apps, and no local credit history is needed.

For large AUD transfers

Currency brokers

Money transfer brokers are best for large transfers, like buying property, moving abroad, or paying student fees.

On transfers of $10,000 or more, a broker like Xe drops the fee entirely and works on margin instead.

With Xe you get 0.48% on AUD/IDR, and it gets lower the more you send.

You also get an account manager for the whole thing.

Our analysis shows Xe was the cheapest broker in 44% of all the transfers it quoted.

For overseas business payments

Business accounts

Global accounts like Airwallex are great for paying suppliers, contractors or staff in IDR, handling invoices, batch payments, and more.

For receiving and spending

Multi-currency accounts

Multi-currency accounts let you hold AUD and IDR in one account, and convert when the rate suits you.

Revolut converts A$2,000 at 0.28% markup, and the IDR sits in your account until you spend or transfer it.

Over the past month, it came out cheapest among multi-currency accounts on 56% of days.

Most useful if you travel often to Indonesia, split your life between two countries, or receive money from abroad.

We also created a guide going into more detail about multi currency accounts.

Compare first

Banks

The big four have dropped most transfer fees, which makes bank transfer from your bank look cheap.

However, the cost is moved into the exchange rate instead.

On a A$2,000 transfer, a bank like NAB adds 2.84% markup and delivers 24,304,173.97 IDR, against 25,195,960 IDR via Remitly (the cheapest option).

We found NAB was the cheapest bank on 28 of the 28 days it appeared for this amount.

Ways to fund AUD and receive money in Indonesia

With Remitly, paying by bank transfer and receiving through a bank deposit is the cheapest combination. Sending A$2,000 gives your recipient 25,195,960 IDR.

Our data shows that Remitly gets your recipient 891,786.03 IDR more than NAB, today's cheapest bank, on the same A$2,000.

You can fund the transfer with bank transfer, debit card, credit card, PayTo, PayID, osko, and POLi.

You can pay with PayID

Use the PayID supplied by the company and confirm the recipient name shown by your Australian bank before approving the payment.

Recipients in Indonesia can collect IDR through bank deposit, mobile wallet, and cash pickup.

Your recipient can have IDR delivered to a mobile wallet, without a bank account.

Use our payout filters above to find the cheapest company offering mobile wallet withdrawals.

They can collect cash via Remitly

For cash collection, the recipient should take a photo ID and the transfer reference to a participating location in Indonesia.

1

Bank transfer Bank deposit

You pay A$2,000.00

Rp25,195,960

Cheapest
2

PayTo Bank deposit

You pay A$2,000.00

Rp25,195,960

Rp0
3

Debit card Mobile wallet

You pay A$2,000.00

Rp25,096,663

-Rp99,297
4

Debit card Cash pickup

You pay A$2,000.00

Rp25,096,663

-Rp99,297
5

Credit card Cash pickup

You pay A$2,000.00

Rp25,096,663

-Rp99,297

Show moreShow less

6

Credit card Mobile wallet

You pay A$2,000.00

Rp25,096,663

-Rp99,297
7

PayID Mobile wallet

You pay A$2,000.00

Rp25,096,663

-Rp99,297
8

PayID Cash pickup

You pay A$2,000.00

Rp25,096,663

-Rp99,297
9

Debit card Bank deposit

You pay A$2,000.00

Rp25,058,858

-Rp137,102
10

Credit card Bank deposit

You pay A$2,000.00

Rp25,058,858

-Rp137,102
11

PayID Bank deposit

You pay A$2,000.00

Rp25,058,858

-Rp137,102
12

Osko Bank deposit

You pay A$2,000.00

Rp24,890,453

-Rp305,507
13

POLi Cash pickup

You pay A$2,002.99

Rp24,727,514

-Rp468,446
14

POLi Bank deposit

You pay A$2,002.99

Rp24,727,514

-Rp468,446
15

POLi Mobile wallet

You pay A$2,000.00

Rp24,631,689

-Rp564,271

Consider this before sending AUD to Indonesia

Every international transfer is reportable by the company handling it, but that is not a tax or a form you normally file yourself. PayID can fund the transfer, while the overseas leg still needs a transfer provider.

Compare AUD/IDR transfer options

For a A$2,000 transfer to Indonesia, these are the best options right now:

Cheapest

Remitly is cheapest when funded by bank transfer with bank deposit for the payout. Your recipient gets 25,195,960 IDR, which is 0.39% more than the next best option.

Fastest

Revolut delivers 24,896,269.90 IDR in within minutes when you use bank transfer and choose bank deposit as payout.

If you need money urgently, we've put together a guide on instant money transfers.

PayID is domestic only

PayID and Osko move Australian dollars between local accounts.

When a money transfer company accepts PayID, it collects the AUD in Australia and then handles the conversion and payout in Indonesia.

Confirm the registered business name shown by your bank before approving the PayID payment.

AUSTRAC reporting

The bank or remittance company reports international transfer instructions to AUSTRAC.

This applies to international transfers generally, rather than only those above A$10,000.

You do not normally submit the international transfer report yourself.

A separate threshold report applies when a transaction involves A$10,000 or more in physical cash.

Large or unusual transfers can still trigger source-of-funds checks. Keep the sale agreement, invoice or bank statement that explains the payment ready.

Cash gifts can affect Centrelink payments

Australia does not generally tax a genuine cash gift simply because you send it to family in Indonesia.

Gifting money can still affect income-tested or asset-tested Centrelink payments.

Services Australia can continue assessing gifts above its gifting free areas under the income and assets tests.

If you or your partner receive a relevant payment, check the gifting rules before sending a large amount.

Bank protection in Australia

The Financial Claims Scheme protects eligible Australian-dollar deposits with an Australian-incorporated ADI, up to A$250,000 per account holder per ADI.

It does not automatically cover money held by a non-bank transfer company.

In case of issues, if a complaint is not resolved, the Australian Financial Complaints Authority is the free external dispute service for member financial firms.

How we analyse the market

We track 11 companies sending AUD to Indonesia, all holding an Australian licence, with rates refreshed in real time when running a live search.

In the past 30 days alone, we analysed 329 comparisons across 11 amounts.

This page covers the cheapest and fastest options for AUD/IDR transfers. This is how we pick them:

Cheapest: the company that gets your recipient the most, after fees and the exchange rate. On a tie, live pricing from the company takes priority over the rates we collect by hand.
Fastest: the company with the shortest estimated delivery time once you’ve paid. On a tie, the one that pays out more takes priority.

Fees, exchange rates and the pay-in and payout options all get compared, and each company goes through our review before it appears.

More on who we are, why you can trust us and getting started.

Any tax information is for general guidance only and does not constitute tax advice. Speak to a qualified tax adviser about your circumstances.

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Mon, 12 Oct 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	12498.8189	–	Rp 24,997,637.83
Panda Remit Cheapest	12571.3935	$5.99	Rp 25,067,484.35	+Rp 69,846.52
Ria Money Transfer	12549.5000	$2.89	Rp 25,062,731.95	+Rp 65,094.11
Western Union	12470.1564	$0.00	Rp 24,940,400.00	−Rp 57,237.83
Remitly	12440.6600	$0.00	Rp 24,881,320.00	−Rp 116,317.83
NAB	12172.0066	$0.00	Rp 24,344,013.19	−Rp 653,624.64

Tue, 13 Oct 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	12465.1095	–	Rp 24,930,219.10
Western Union Cheapest	12450.7052	$0.00	Rp 24,901,500.00	−Rp 28,719.10
NAB	12142.8706	$0.00	Rp 24,285,741.22	−Rp 644,477.88
Remitly No quote collected this day	–	–	–	–
Ria Money Transfer No quote collected this day	–	–	–	–

Wed, 14 Oct 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	12539.6946	–	Rp 25,079,389.28
Remitly Cheapest	12638.8700	$0.00	Rp 25,277,740.00	+Rp 198,350.72
Western Union	12456.2652	$0.00	Rp 24,912,600.00	−Rp 166,789.28
NAB	12205.0016	$0.00	Rp 24,410,003.25	−Rp 669,386.03
Ria Money Transfer No quote collected this day	–	–	–	–

Thu, 15 Oct 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	–	–	–
Remitly Cheapest	12555.5600	$0.00	Rp 25,111,120.00	–
Western Union	12481.3287	$0.00	Rp 24,962,700.00	–
NAB	12205.0016	$0.00	Rp 24,410,003.25	–
Ria Money Transfer No quote collected this day	–	–	–	–

Fri, 16 Oct 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	12536.9331	–	Rp 25,073,866.22
Remitly Cheapest	12615.3400	$0.00	Rp 25,230,680.00	+Rp 156,813.78
Western Union	12479.4964	$0.00	Rp 24,959,000.00	−Rp 114,866.22
NAB	12199.5536	$0.00	Rp 24,399,107.24	−Rp 674,758.98
Ria Money Transfer No quote collected this day	–	–	–	–

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