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Do Some Research Before You Send Money to Indonesia

If you have family in Indonesia, you might one day have to send money them. In most cases, they will need it as soon as possible, which is why knowing your options ahead of time is helpful. Before you send money to Indonesia, consider the top methods available to you.

The currency of Indonesia is the rupiah, and $1 USD is equal to 9,433.96 rupiah. There are more than 200 banks in the country, which means sending funds to the area via bank should not be a problem. In fact, many American banks charge rates that are somewhat affordable, as long as you shop email indonesia around first. For example, Citibank Global Transfer charges $10 to send money to the Indonesian branch of Citibank. If you want to send money to other banks, such as Bank Buana Indonesia, Bank Bumiputera, Bank Negara Indonesia, or Bank Maspion, to name a few, it will cost $30 to $40 USD. Your relatives might also have accounts at other familiar banks that have branches in both countries, like Bank of America and American Express Bank. You can ask those banks about fees for sending money, as well. 

No matter where you send the money, you will need the name and account number of your relatives. In some cases, your relative may have to pay a fee to receive the money. One example is Citibank, which charges a $10 fee to get a wire transfer. Also, be aware that many banks provide the option of paying online or going to a branch to send money to Indonesia. Most banks charge differently depending on which option you select, so check before you choose your method. 

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If you want to keep fees to a minimum when you send money to Indonesia, you have other options. You can also send a prepaid debit card to your recipient. The first step is choosing a company to go through, and then having the card sent to your family. You should then call or email them the PIN, enabling them to start using the card. You can add funds online or by phone for a fee of $5 each time, no matter how much you send at once. Your relatives will be charged a small fee of less than 9,433 rupiah when they use the card at retailers, and less than 28,000 rupiah when they use it to withdraw cash at ATMs. Some small towns in Indonesia have few, if any, ATMs, so make sure there is at least one near them before you choose this option. If they live in larger cities like Jakarta or Bandung, they should not have a problem finding ATMs to use, or retailers at which they can use their card.

Doing some research before you decide which way to send money to Indonesia is best. Shopping around can save you and your recipient money, and it could also allow you to select the most convenient method. After all, attempting to use a bank to send money to someone without a bank account, or sending a prepaid debit card to someone with no access to ATMs, could be quite a faux pas.

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