Sending money to Indonesia from Australia or New Zealand is a growing need for families, students, professionals, property owners, and those supporting loved ones back home. With modern online transfer services like OrbitRemit, international remittances to Indonesia can be faster, safer and more cost-effective than using traditional banks.
In this 2026 guide, you’ll learn how to send money to Indonesia from Australia and New Zealand, explore the benefits of using OrbitRemit, and find tips for saving on fees and exchange rates.
Why Australians and New Zealanders send money to Indonesia
Indonesia is one of the largest remittance destinations in Southeast Asia, with a strong and growing community of Indonesians living and working in Australia and New Zealand. People send money to Indonesia for a wide range of reasons:
- Family living expenses and regular financial support
- Tuition and education fees
- Medical costs and emergencies
- Property purchases, mortgages, and bills
- Business investment and payments
- Special occasions, religious holidays, and celebrations
Choosing a trusted international money transfer provider helps ensure your funds arrive quickly and securely, with lower fees and better currency value than the banks.
How to send money to Indonesia using OrbitRemit
Sending money to Indonesia with OrbitRemit’s online platform is simple and transparent.
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Create an account or log in
Register online or log into your existing account. New customers will need to complete a one-time biometric verification — a quick identity check that keeps your account secure and meets regulatory requirements.
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Set up your transfer
Once your account is verified / you’ve logged in:
– Choose Indonesian Rupiah (IDR) as the receiving currency
– Enter the amount you want to send in AUD or NZD, or the amount you’d like your recipient to receive in IDRReview the exchange rate and transfer fee before confirming. OrbitRemit’s currency calculator shows how much your recipient will receive, helping you make informed decisions before sending.
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Select delivery method
Under ‘Recipient Type’ select:
– Bank Account Deposit: Funds are sent directly into Indonesian bank accounts. Over 85% of OrbitRemit transfers arrive within 2 hours of payment being received.
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Add your recipient’s details
You will need to provide your recipient’s details, including:
– Full legal name
– Bank name and account number
– Contact detailsAccurate information helps prevent transfer delays and ensures your recipient receives funds smoothly.
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Pay for your transfer
Choose your preferred payment method:
Australia: Bank transfer, debit card, PayID, Apple Pay, Google Pay
New Zealand: Bank transfer, debit card, POLi, Apple Pay, Google PayOnce payment is received, OrbitRemit processes your transfer. You can track its progress in real time from your account.
How fast are transfers to Indonesia?
Traditional bank international transfers can take two to five working days. OrbitRemit is built for speed — over 85% of transfers arrive within 2 hours of payment being received.
| Factor | Details |
|---|---|
| Bank deposits | Typically within 2 hours once payment is confirmed |
| Processing factors | Dependent on payment time, bank cut-off hours, and day of week |
| First-time transfers | May take slightly longer during verification |
| Public holidays/weekends | Bank processing schedules may cause minor delays |
Important: First-time transfers may take slightly longer while identity verification is completed. Transfers made over weekends or public holidays may experience minor delays due to bank processing schedules.
Key benefits of using OrbitRemit (2026)
Low, transparent transfer fees
OrbitRemit charges a fixed, flat transfer fee so you always know the cost upfront — no percentage-based fees, no surprises.
- New customers receive OrbitRemit’s special promo rate plus $0 fees*
- AUD to IDR: $4 AUD per transfer
- NZD to IDR: $4 NZD per transfer
- Transfers of $10,000 or more are fee-free
*New customers only. Limited time offer. Rate subject to change. $500 AUD/$500 NZD limit applies. Terms and conditions apply. Not available in conjunction with any other offer.
Competitive exchange rates
OrbitRemit provides competitive AUD to IDR and NZD to IDR exchange rates that are typically much stronger than those offered by Australian or New Zealand banks. Up to 75% cheaper than the banks.*
*Based on internal research conducted in December 2024.
Security and regulation
From login to delivery, your money and personal information are kept safe using industry-leading encryption and fraud detection systems.
OrbitRemit is regulated in Australia by the Australian Securities and Investments Commission (ASIC) and registered with AUSTRAC, and in New Zealand supervised by the Department of Internal Affairs (DIA) as a licensed money remitter. We follow strict financial, compliance and anti-money laundering requirements to ensure your transfers are always safe and transparent.
Easy-to-use online platform
OrbitRemit offers a user-friendly app and website that allows customers to arrange transfers quickly and track transactions in real time. Customer support is available via email and live chat.
OrbitRemit vs other money transfer providers
OrbitRemit vs traditional banks
OrbitRemit Advantages
- Fixed, visible fees with no hidden charges
- More competitive IDR exchange rates
- Faster transfer speeds — over 85% arrive within 2 hours
- Local in New Zealand and Australia
OrbitRemit vs Wise
Wise Strengths
- Uses the mid-market exchange rate
- Fully transparent fee structure
OrbitRemit Strengths
- Fixed and often lower upfront transfer fees
- Fee-free transfers for large amounts above $10,000
- Services designed specifically for AU and NZ customers
Wise separates fees from exchange rates, while OrbitRemit includes some margin within the exchange rate — a common and transparent pricing model across the remittance industry.
OrbitRemit vs Western Union
Western Union Strengths
- Extensive global cash pickup network
OrbitRemit Strengths
- Typically lower fees compared with traditional wire services
- Online-first service that helps reduce operational costs
- No need to visit a physical location
Western Union and similar providers may charge both transfer fees and exchange rate mark-ups.
OrbitRemit vs WorldRemit and Remitly
Many digital remittance providers offer fast delivery to Indonesia. However, pricing structures and exchange rate mark-ups can vary significantly between providers.
OrbitRemit is often favoured for its straightforward fixed-fee model, strong pricing for larger transfers, and its focus on the Australian and New Zealand market.
Frequently Asked Questions (FAQs)
Is OrbitRemit safe to use for transfers to Indonesia?
Yes, OrbitRemit is safe. OrbitRemit is regulated in Australia by the Australian Securities and Investments Commission (ASIC) and registered with AUSTRAC, and in New Zealand supervised by the Department of Internal Affairs (DIA) as a licensed money remitter. Every transfer is protected by industry-leading security and encryption.
How much does it cost to send money to Indonesia from Australia?
Transfers from Australia to Indonesia cost $4 AUD per transfer. New customers receive a special promo rate and $0 fee on their first transfer. Transfers of $10,000 AUD or more are fee-free.
Fees and availability may vary depending on the payment method and any promotional offers at the time of sending.
How much does it cost to send money to Indonesia from New Zealand?
Transfers from New Zealand to Indonesia cost $4 NZD per transfer. New customers receive a special promo rate and $0 fee on their first transfer.Transfers of $10,000 NZD or more are fee-free.
Fees and availability may vary depending on the payment method and any promotional offers at the time of sending.
How long does it take to send money to Indonesia with OrbitRemit?
Transfers to Indonesia are typically completed the same business day once payment is received. Exact timing depends on your payment method, the time of day, and your recipient’s bank. Transfers made on weekends or public holidays may take slightly longer.
What banks can I send money to in Indonesia?
With OrbitRemit, you can send money directly to major Indonesian bank accounts including BCA (Bank Central Asia), BRI (Bank Rakyat Indonesia), Mandiri, BNI (Bank Negara Indonesia), CIMB Niaga, Bank Syariah Indonesia (BSI), Bank BTPN, Danamon, PermataBank, and more.
What information do I need to send money to Indonesia?
ou typically need:
– Recipient’s full legal name (as it appears on their bank account)
– Bank name and branch
– Bank account number
Ensuring all details are accurate helps prevent delays and ensures smooth delivery.
Is there a transfer limit for sending money to Indonesia with OrbitRemit?
Yes. You can send up to 100,000,000 IDR per transaction to both personal and business accounts in Indonesia. If you need to send more, you may complete multiple transfers, subject to standard verification and compliance checks.
Can I send money to Indonesia without my recipient having a bank account?
OrbitRemit currently supports bank account deposits for transfers to Indonesia. If your recipient does not have a bank account, you may need to consider alternative services that support cash pickup in Indonesia.
What payment methods can I use in Australia?
OrbitRemit supports a range of convenient and secure payment methods for customers sending money to Indonesia from Australia.
Australia payment methods include:
– Bank transfer
– Debit card
– PayID
– Apple Pay and Google Pay (where available)
Available payment methods may vary depending on your transfer type, bank, and device. Faster payment options such as PayID or debit card may help speed up transfer processing times.
What payment methods can I use in New Zealand?
OrbitRemit supports a range of convenient and secure payment methods for customers sending money to Indonesia from New Zealand.
New Zealand payment methods include:
– Bank transfer
– Debit card
– POLi
– Apple Pay and Google Pay (where available)
Available payment methods may vary depending on your transfer type, bank, and device.
Can I track my transfer to Indonesia?
Yes. OrbitRemit allows you to track your money transfer in real time through your online account or mobile app. You can view status updates at each stage of the transfer process, from payment confirmation through to successful delivery.
To learn more, visit OrbitRemit’s help centre: https://support.orbitremit.com/hc/en-us/sections/360001212634-Transfer-Status
Why OrbitRemit is a strong choice for AU and NZ transfers in 2026
OrbitRemit combines:
- Low fixed fees ($4 flat, fee-free on large transfers)
- Competitive AUD→IDR and NZD→IDR exchange rates
- Fast transfer speeds — over 85% arrive within 2 hours
- Rated Excellent on Trustpilot from over 33,000 reviews
- Strong security and regulatory compliance
- Services tailored specifically for AU and NZ customers
This balance makes OrbitRemit a reliable and cost-effective choice for sending money to Indonesia.
Start Sending Money to Indonesia today
Sending money to Indonesia doesn’t need to be expensive or complicated. With OrbitRemit, Australians and New Zealanders can transfer funds to Indonesia quickly, securely, and with confidence.
Whether you’re supporting family, managing property costs, or covering business commitments, choosing the right transfer service helps you save time and money throughout 2026 and beyond.
