Send money from Saudi Arabia to Indonesia
A shortlist of providers verified to serve this route — DANA and OVO wallets, instant BI-FAST bank deposit and cash pickup — and exactly how the rupiah reaches Indonesia.
SAR
IDROur comparison engine doesn't price Saudi-origin transfers yet. Instead, here's a shortlist of providers verified to move money on this corridor — confirm their live rate and fee on their own site before you send.
Indicative options · not a live quote
Sending money from Saudi Arabia to Indonesia
Our live price comparison can't quote Saudi-origin transfers yet, but money genuinely moves on this route every day — around 850,000 Indonesians live and work in Saudi Arabia, many of them domestic workers, and the Kingdom is one of Indonesia's two biggest sources of money sent home, worth an estimated US$3 to $4 billion a year. The providers below are verified to operate this corridor, and several pay straight into a DANA or OVO wallet or an Indonesian bank account. Rates and fees are set by each provider and must be confirmed on their own site before you send.
| Provider | Payout method | Speed | |
|---|---|---|---|
 | Wallet, bank deposit or cash pickup | Minutes (cash/wallet) to same day | Visit site |
 | Bank deposit or mobile wallet | Minutes to same day | Visit site |
 | Bank deposit or cash pickup | Instant to minutes | Visit site |
 | Wallet, bank deposit or cash pickup | Minutes to same day | Visit site |
 | Wallet, bank deposit or cash pickup | Minutes to same day | Visit site |
 | Bank deposit or cash pickup | Instant to minutes | Visit site |
Most money sent from Saudi Arabia to Indonesia lands either straight in an Indonesian bank account — often within minutes through the country's instant BI-FAST network — or in a DANA, OVO or GoPay wallet keyed to the recipient's phone number. Cash can also be collected at a bank, a Pos Indonesia post office or an Alfamart store. Indonesia doesn't use IBANs, so a bank deposit just needs the recipient's name, bank and account number. The headline fee is only part of the picture — what really decides the cost is the margin added to the exchange rate, so always compare the rupiah that actually arrive, not just the upfront fee.
Why Saudi Arabia to Indonesia shows no live prices yet
Currency Expert's live comparison engine prices transfers that start in the UK and a handful of other major sending countries, where the providers we connect to operate. None of those providers currently quote transfers that start in Saudi Arabia, so the route comes back empty even though real services move billions of dollars on it every year.
Until we can pull live Saudi rates, this page lists providers verified to serve the corridor rather than a live price table. Treat the page as a shortlist, not a quote — and always confirm the rate and fee on the provider's own site before you commit.
How the money reaches Indonesia
You have plenty of choice on this route. A very popular option is a payout straight into a DANA, OVO or GoPay wallet, credited almost instantly using the recipient's registered phone number (starting +62). Bank deposits are just as common and land within minutes through Indonesia's BI-FAST instant network — BRI is the most widely used bank for migrant families, alongside BCA, Mandiri and BNI. Indonesia doesn't use IBANs, so you only need the recipient's name, bank and account number. Cash can be collected at bank branches, Pos Indonesia post offices, Pegadaian pawnshops and Alfamart stores.
Wallet payouts and BI-FAST bank deposits are usually the fastest, landing within minutes; a traditional SWIFT bank transfer can take two to five business days depending on the receiving bank.
What sending money to Indonesia really costs
The headline fee is only part of the cost. On any transfer, the bigger number is usually hidden inside the exchange rate — so it's worth knowing where each slice goes before you send.
The exchange-rate margin
The gap between the real mid-market rate and the rate you're offered. On the riyal-to-rupiah route this varies more than most — from near zero on the sharpest promotions to well over 10 percent with the priciest services. That wide spread is exactly why it pays to compare the rupiah that actually arrive.
The receiving-bank fee
Watch the far end too: some Indonesian banks charge a small flat fee to credit an inbound international transfer to a rupiah account (Bank Central Asia, for example, may charge around US$5). Paying to a wallet or via a domestic partner rail often avoids this.
VAT on the fee
In Saudi Arabia, 15 percent VAT applies only to the transfer service fee, not to the money you send. It's a small amount, but it's one reason the fee can look a little higher than expected.
Tax and rules on each side
Sending from Saudi Arabia
Saudi Arabia charges no personal income tax and no tax on the amount you send abroad as family support or a gift. Currency controls are minimal — you can send freely through a licensed provider with a valid Iqama or national ID. Providers verify your identity and may ask about the source of funds for large transfers, in line with Saudi Central Bank (SAMA) rules.
Receiving in Indonesia
Indonesia does not tax family remittances received from a relative working abroad — the money is treated as a private transfer, not income. Note that Indonesia manages the deployment of domestic workers to Saudi Arabia through an official government-to-government scheme, but that affects new job placements, not the money transfer itself — sending money home is straightforward through any licensed provider.
Funding your transfer without overpaying
Paying from a Saudi bank account or a mada debit card is usually the cheapest way to fund a transfer, and Saudi Arabia's SARIE instant-transfer system makes bank funding quick. Funding with a credit card is often treated by the card issuer as a cash advance, which can trigger a one-off fee and interest from day one with no grace period — quietly making a cheap-looking transfer expensive. Check how your card treats the payment before you use it, and have your Iqama to hand for the identity check.
Scams to watch on this route
Most traps target the recipient with a fake message or a fake windfall. These few rules are worth passing on to whoever you're sending to.
The wallet "verification" scam
Rule: to receive money into DANA, OVO or GoPay you never share your wallet PIN or a one-time code. Anyone calling or texting "from DANA" or "from the bank" asking for your PIN or OTP is a fraudster — never share it.
Prize and "undian" texts
Rule: never pay a "fee" or "tax" to release a prize or lottery win you didn't enter for. Genuine money never requires you to pay first to receive it.
Family "emergency" requests
Rule: an urgent money request that appears to come from a relative may be an impersonator. Confirm directly on a number you already know before sending anything.
Confirm before you send
Rule: check the recipient's name, wallet number or bank account against details they sent you in writing, and use a licensed provider rather than a stranger offering a "better rate" off-platform.
How most people send money from Saudi Arabia to Indonesia
For most people sending money from Saudi Arabia to Indonesia, the simplest route is a verified provider paying into the recipient's DANA or OVO wallet, or straight to their bank account through BI-FAST — fast, familiar and easy to use. Because we can't show a live quote here yet, treat this page as a vetted shortlist — then judge each option by the rupiah that actually arrive after the rate margin, and confirm the recipient's details before you send.
Saudi Arabia to Indonesia transfers: frequently asked questions
Our live comparison engine prices transfers that start in the UK and a few other major sending countries. It doesn't yet quote transfers that start in Saudi Arabia, so instead of an empty table we list providers verified to serve the corridor. Confirm the live rate and fee on each provider's own site before you send.
Yes. Several providers on this route pay straight into a DANA, OVO or GoPay wallet, usually within minutes — you just need the recipient's registered phone number (starting +62). Wallet payout has become one of the most popular ways for Indonesian families to receive money.
For a wallet, the recipient's full name and their registered phone number (+62). For a bank deposit, their name, bank and account number — Indonesia doesn't use IBANs. For cash pickup, their full name as on their KTP ID plus a reference number. You'll also need your own valid ID — a Saudi Iqama or national ID — to send.
Wallet payouts and BI-FAST bank deposits are usually available within minutes. A traditional SWIFT bank transfer can take two to five business days, depending on the receiving bank, and cash pickup is usually ready within minutes to an hour. The provider will show an estimated delivery time before you confirm.
At a wide network across Indonesia — bank branches (BRI and BNI are common), Pos Indonesia post offices, Pegadaian pawnshops, Alfamart convenience stores, plus Western Union and MoneyGram agents. Your recipient brings their KTP national ID and the transaction reference number to collect. Cash pickup is usually available within minutes to an hour of you sending.
No. Money sent home to family as support is not taxed in the recipient's hands in Indonesia — it's treated as a private transfer, not income. Saudi Arabia also charges no tax on the amount you send abroad. Some Indonesian banks may charge a small administration fee to credit an inbound international transfer, which is separate from tax.
Paying from a Saudi bank account or a mada debit card is usually cheapest, and the SARIE instant-transfer system makes bank funding quick. Avoid funding with a credit card where you can — issuers often treat it as a cash advance, adding a one-off fee and interest from day one. And always compare the exchange-rate margin, not just the upfront fee, since on this route the margin varies a lot between providers.
Our sources & how we keep this current
Last reviewed: 1 July 2026. We re-check the providers and rules on this corridor regularly, and will switch this page to a live price table as soon as our engine can quote Saudi-origin transfers.
Affiliate disclosure: the "Visit site" links to some providers are affiliate links. Currency Expert may earn a commission, at no cost to you, if you open an account through them. It never changes which providers we list or the order they appear in.