Loading...
Send money from Hong Kong to Indonesia(HKD → IDR)
HKD
IDR|Pricing observed Mid-market 2244.5690Top-ranked estimateof 4 providers
Western Union
Rate 2238.7331 · Fee HK$13.00
You send
HK$5,000
Estimated receipt
Rp11,164,562
Rp1,027,400 more than the lowest estimate · 0.26% markup vs mid-market
Affiliate link · No extra cost to you
Quick answer: For 5,000 HKD to IDR, Western Union ranks first among 4 provider estimates, with an estimated payout of 11,164,561.97 IDR. The first-ranked estimate pays 1,027,413.29 IDR more than the lowest estimate in this comparison.
Latest pricing observation: . Payouts are estimated from collected fees and markups with a mid-market reference. Collection schedules vary by source. Quotes are collected by currency pair, so we cannot confirm that every provider serves Hong Kong specifically — check availability, funding method and delivery method with the provider before you commit. How we collect and rank quotes.
What is the cheapest way to send HKD to IDR?
Sending HK$5,000 from Hong Kong to Indonesia. Ranked by estimated payout, with customer ratings used for closely matched results.
Source: SendMoneyCompare · Estimated payouts from collected pricing and mid-market rates
#ProviderRateFeeRecipient getsSend
Rate 2238.7331·Fee HK$13.00·0.26% markup
Rate 2231.1016·Fee HK$30.00·0.60% markup
Rate 2133.2384·Fee HK$248.00·4.96% markup
Rate 2226.6124·Fee Free·0.80% markup
Estimated payout difference: The first-ranked provider pays more than the lowest estimate by Rp1,027,413.29 on a HK$5,000 transfer.
Some links on this page are affiliate links — we may earn a commission at no extra cost to you. Rankings come from live transfer data and are ordered by what your recipient receives. Whether a provider pays us plays no part in that order. Where payouts land within 0.1% of each other — less than rates typically move between our updates — the higher-rated provider is listed first. Editorial policy
Compare the cheapest ways to send money from Hong Kong to Indonesia. We compare fees, exchange rates, and transfer speeds from 15+ providers so you get the most IDR for your HK$.
Money transfers from Hong Kong to Indonesia are a vital lifeline for families and businesses. With dozens of providers competing for this corridor, rates and fees vary widely. Specialist money transfer companies often beat bank rates by 2–4%, potentially saving you hundreds of HKD per year. Use our comparison to find today's best deal.
Which provider offers the best HKD to IDR rate?
Western Union
4.3Exchange rate
2238.7331
Fee
HK$13.00
Recipient gets
Rp11,164,561.97
Speed
1 business day
Also available · Digital-asset rails
Crypto & stablecoin routes for HKD → IDR
For a tech-comfortable sender, stablecoin rails can beat every bank and app. These aren't one-tap services — each is a fiat on-ramp → blockchain → local cash-out. Here's the all-in cost and how each works.
IndodaxBitcoin · Lightning
HashKey → Stellar (USDC) → Indodax · ~5 seconds
11,177,671 IDR
0.18% all-in
+
IndodaxBitcoin · Lightning
HashKey → Stellar (USDC) → Indodax · ~5 seconds
11,177,671 IDR
0.18% all-in
- 1HashKey HKD→USDC: 0.12%
- 2Stellar network: 0.000001 USDC
- 3Indodax: 0.01% spread
- 46500 IDR withdrawal fee
Also routable via Stellar (USDC), Solana (USDC), Polygon (USDC), Lightning Network (BTC).
Source: CCXT (indodax)
Crypto rails involve exchange accounts, wallets, and price/liquidity risk. Costs are estimates from live exchange and network data, refreshed every 6 hours. Not financial advice.
SendMoneyCompare
WhatsApp Channel · Free
Get HKD → IDR alerts on WhatsApp
We track 90+ providers across 300+ corridors every few hours. When the cheapest way to send changes, you get one short message — not a newsletter.
Only when it matters. A message when the cheapest provider on a major corridor actually changes — not a daily rate dump.
Your number stays private. Channels are one-way. We can't see your number, message you directly, or add you to a group.
No signup, no email. One tap to follow inside WhatsApp, one tap to unfollow. Nothing to fill in.
Free · one tap to follow · unfollow any time
Example alert
HKD → IDR · cheapest just changed
Sending 1,000 HKD today? The cheapest provider on this corridor changed overnight — same money in, more IDR out. A bank wire is still the most expensive way to send it.
sendmoneycompare.com/send-money/hong-kong-to-indonesia
09:12Watch the card-funding fee
Two providers added a card-funding fee this morning. Paying by bank transfer is the cheaper route today.
Thu 16:40Guides, fees & how it works
Which provider is best for each transfer type?
Different providers excel at different things. Here's who's best for each use case on the Hong Kong to Indonesia route.
Cheapest transfer
Western Union
Delivers the most IDR for your money
Fastest transfer
Wise
Delivers in ~3 hours
Cash pickup
Western Union
Widest cash pickup network
Bank transfer
Western Union
Best rate for bank deposit to Indonesia
How to send money to Indonesia
Sending money to Indonesiais straightforward with the right provider. Here's how it works in 3 simple steps.
Step 1
Enter your transfer details
Choose how much HKD you want to send, compare providers above, and pick the one offering the best IDR amount for your transfer to Indonesia.
Step 2
Add your recipient
Enter your recipient's details in Indonesia — you'll need their bank account number. Complete the provider’s verification before expecting delivery.
Step 3
Send & track your transfer
Choose an available funding method, confirm the final payout and arrival estimate, then keep your tracking reference.
What you need to send money to Indonesia
Make sure you have these details from your recipient before starting your transfer.
Full name
Recipient's name as registered with their Indonesian bank account
Bank account number
Indonesian bank account number (10–15 digits depending on the bank)
Bank name
Name of the receiving bank (e.g. BCA, Bank Mandiri, BNI, BRI)
Note: Indonesia does not use IBAN. You need the recipient's bank account number and bank name. Some providers also support transfers via DANA or OVO digital wallets.
Transfer examples: HKD to IDR
See how much your recipient would get for common transfer amounts.
Send HK$500
ProviderFeeReceives
Western Union
2238.73 · 1 business day
Wise
2235.82 · ~3 hours
InstaReM
2231.10 · 1-3 business days
OFX
2133.24 · 1-3 business days
Regency FX
2226.61 · Same day to 2 business days
ProviderFeeRateReceivesSpeed
Western UnionHK$1.302238.73Rp1,116,4561 business day
WiseHK$1.952235.82Rp1,113,548~3 hours
InstaReMHK$3.002231.10Rp1,108,8571-3 business days
OFXHK$24.802133.24Rp1,013,7151-3 business days
Regency FXFree2226.61Rp1,113,306Same day to 2 business days
Send HK$1,000
ProviderFeeReceives
Western Union
2238.73 · 1 business day
Wise
2235.82 · ~3 hours
InstaReM
2231.10 · 1-3 business days
OFX
2133.24 · 1-3 business days
Regency FX
2226.61 · Same day to 2 business days
ProviderFeeRateReceivesSpeed
Western UnionHK$2.602238.73Rp2,232,9121 business day
WiseHK$3.902235.82Rp2,227,095~3 hours
InstaReMHK$6.002231.10Rp2,217,7151-3 business days
OFXHK$49.602133.24Rp2,027,4301-3 business days
Regency FXFree2226.61Rp2,226,612Same day to 2 business days
Send HK$5,000
ProviderFeeReceives
Western Union
2238.73 · 1 business day
Wise
2235.82 · ~3 hours
InstaReM
2231.10 · 1-3 business days
OFX
2133.24 · 1-3 business days
Regency FX
2226.61 · Same day to 2 business days
ProviderFeeRateReceivesSpeed
Western UnionHK$13.002238.73Rp11,164,5621 business day
WiseHK$19.502235.82Rp11,135,477~3 hours
InstaReMHK$30.002231.10Rp11,088,5751-3 business days
OFXHK$248.002133.24Rp10,137,1491-3 business days
Regency FXFree2226.61Rp11,133,062Same day to 2 business days
How much does it cost to send money from Hong Kong to Indonesia?
Transfer fees from Hong Kong to Indonesia vary by provider. Specialist services charge HK$0–10 per transfer, while banks charge HK$25–50 plus a 2–5% exchange rate markup. The exchange rate markup is usually the bigger cost — always compare the total IDR your recipient receives, not just the advertised fee.
Understanding the total cost
The true cost of a money transfer has two components:
Transfer fee
The upfront charge — typically HK$0–HK$10 with specialist providers.
Exchange rate markup
The hidden cost — the difference between the provider's rate and the mid-market rate (2244.5690).
Ways to send money to Indonesia
Choose how you want to pay for your transfer. Each payment method has different costs and speeds.
Bank deposit is the most common method. DANA and OVO wallets are growing alternatives for younger, digitally-savvy recipients in urban areas.
Bank Transfer
Low costSpeed: 1–3 business days
Usually the cheapest option — lowest fees and no card processing charges
Debit Card
Medium costSpeed: Minutes to hours
Fast and convenient — small card processing fee applies
Credit Card
Higher costSpeed: Minutes to hours
Fastest option but highest fees — card issuer may charge cash advance fee
Cash
Medium costSpeed: Varies
Pay cash at an agent location — available at select providers
Apple Pay
Medium costSpeed: Minutes to hours
Convenient mobile payment — linked card fees apply
How can my recipient receive money in Indonesia?
Check these receiving options with the provider. Availability depends on the sending country, recipient and transfer conditions.
Bank Deposit
1–2 business days
Transfer to Indonesian bank accounts. BCA, Bank Mandiri, BRI, and BNI cover most of the population.
WiseRemitlyWorldRemitWestern Union
DANA Wallet
Minutes
Transfer to DANA digital wallet — popular mobile payment platform in Indonesia.
Remitly
OVO Wallet
Minutes
Transfer to OVO digital wallet — one of Indonesia's largest fintech platforms.
Remitly
Cash Pickup
Minutes
Collect cash from bank branches and agent locations across Indonesia.
Western UnionMoneyGram
What are the transfer limits and regulations for Indonesia?
Important rules and requirements to know before sending money to Indonesia.
Regulatory body
Bank Indonesia (BI)
Inbound transfer limits
No cap on incoming remittances
Documentation you may need
- Sender's government-issued ID
- Recipient may need to report amounts over $25,000 equivalent to Bank Indonesia
Important things to know
- Indonesia is one of the largest remittance-receiving countries in Southeast Asia.
- The Indonesian rupiah (IDR) is among the world's most-subdivided currencies — exchange rates are quoted in thousands.
- Bank Indonesia monitors foreign exchange flows — large transfers may require a purpose declaration.
How long does it take to send money to Indonesia?
Most transfers from Hong Kong to Indonesia arrive within 1–2 business days with specialist providers. Bank wires take 3–5 business days. Some providers offer instant or same-day delivery to Indonesia for a small premium.
Delivery times shown here are published by the providers and payment schemes. We do not measure when transfers actually arrive, so treat them as estimates and confirm the time with your provider before you send.
Standard delivery
- Western Union1 business day
- Wise~3 hours
- InstaReM1-3 business days
- OFX1-3 business days
- Regency FXSame day to 2 business days
Popular banks in Indonesia
These are the most commonly used banks for receiving international transfers in Indonesia.
BankSWIFT/BICNotes
Bank Central Asia (BCA)
CENAIDJA
Bank Mandiri
BMRIIDJA
Bank Rakyat Indonesia (BRI)
BRINIDJA
Bank Negara Indonesia (BNI)
BNINIDJA
CIMB Niaga
BNIAIDJA
Bank Danamon
BDINIDJA
Frequently asked questions
Common questions about sending money from Hong Kong to Indonesia
What is the cheapest way to send money from Hong Kong to Indonesia?
The cheapest option changes daily based on exchange rates. Use our comparison table above to see today's rates from every provider. Specialist services like Wise, Remitly, and OFX consistently offer better value than banks.
How long does it take to send money from Hong Kong to Indonesia?
Most specialist providers deliver to Indonesia within 1–2 business days. Some offer instant delivery for certain payment methods. Bank wires typically take 3–5 business days.
How much does it cost to send HK$5,000 from Hong Kong to Indonesia?
Costs depend on the provider's fee and exchange rate markup. Compare all providers in our table above to see exactly how much IDR your recipient would receive from a HK$5,000 transfer today.
Can I send money from Hong Kong to Indonesia online?
Yes, all the providers we compare support online transfers from Hong Kong to Indonesia. Most also offer mobile apps. You can typically pay by bank transfer, debit card, or credit card.
Is it better to use a bank or a money transfer service to send money to Indonesia?
Money transfer services are almost always cheaper. Banks typically charge HK$25–50 per wire plus a 2–5% exchange rate markup. Specialist providers charge HK$0–10 with markups under 1%, saving you significantly on every transfer to Indonesia.
More for this corridor
Everything about sending money to Indonesia
Recipient requirements, delivery methods, regulations, popular banks, and more.
More transfers from Hong Kong
Other routes to Indonesia
Popular corridors
Top provider reviews
Useful guides
Banking tools
How does your bank compare?
Compare all providers for Hong Kong to Indonesia
Enter your exact amount in the comparison tool above to see personalised quotes from every provider on this route.
Compare providers now