Indonesia is one of Asia’s leading countries with a growing number of freelancers, digital nomads, and remote workers offering services to global clients. The US remains a major source of opportunities, as companies and platforms continue to hire skilled talent across  Asia and beyond.

But while earning in United States Dollar (USD) is great, receiving those payments in Indonesia can be a hassle — with traditional banks charging high fees, offering poor rates, and taking days to process transfers.

This article will explain why Grey is the best option for sending USD to Indonesia. From low fees to fast transfers and seamless payouts to local bank accounts, Grey simplifies the entire process.

Also read: How to open UK and US bank accounts in Indonesia.

Top international money transfer services for sending USD to Indonesia

1. Wise: Known for its transparent fees and real exchange rates, Wise supports USD transfers to Indonesian bank accounts and offers clear timelines and costs upfront.
2. Western Union: A global name in money transfers, Western Union allows senders to transfer USD to both cash pickup locations and bank accounts in Indonesia.
3. WorldRemit: WorldRemit allows users to send USD to Indonesian banks and also supports mobile money and cash pickups.
4. Grey: Grey enables users to receive USD payments and convert them to IDR (Indonesian Rupiah) at competitive rates. With Grey, users can receive USD directly into a USD account and withdraw to Indonesian banks.

Also read: Grey vs. local banks: The best currency exchange choice in Indonesia

Are there transfer fees when sending USD to Indonesia?

Yes, most services charge a transfer fee, which varies depending on the provider, the amount being sent, and the delivery speed. Here’s a breakdown of transfer fees for three popular services:

• Wise: Wise typically charges around $7.50 for sending $1,000 to an Indonesian bank account. This fee includes a fixed charge plus a small percentage of the transfer amount.
• WorldRemit: Fees range from $2.99 to $4.99, depending on the payout method (bank, mobile wallet, or cash pickup). The service often runs promotions with discounted fees.
• Grey: Grey charges 0.5% for ACH transfers (with a minimum fee of $2 and a maximum of $10), while SWIFT transfers attract a flat fee of $30 per transaction.

Can you send USD directly to Indonesian banks?

Grey provides a free US bank account, allowing users to receive payments in USD by following these steps.

1. Sign in and verify your identity

Create a Grey account, after which you'll be required to verify your identity by uploading a valid ID and a selfie for security purposes.

2. Select the recipient

Navigate to the “Send Money” section and select Indonesia as the destination.

3. Input the amount

Grey will show the converted amount in IDR (Indonesian Rupiah) along with the applicable exchange rate and fees.

4. Initiate the transfer

Review all details, including the recipient's name, and then confirm the transfer.

5. Review transaction status

Monitor the status of your transfer in real-time within the app or dashboard. Most transfers are completed within minutes

Also read: How to convert and send US dollars (USD) to Indonesian Rupiah (IDR) online

How Grey makes sending USD to Indonesia easy

• Competitive exchange rates and low fees: Grey offers some of the most competitive exchange rates available, helping users get more value from their money. With transparent pricing and minimal fees, there's no guesswork or hidden charges involved.

• Security and regulation: Users can trust Grey to keep their funds and data safe. The platform employs robust security measures such as two-factor authentication (2FA) and adheres to regulatory standards to ensure secure transactions.

• Virtual USD card for international transactions: Grey provides an instant virtual USD card, perfect for global payments, online shopping, and managing international subscriptions. It gives users the flexibility to spend in USD without relying on third-party cards or services.

• Instant money transfers: Grey enables swift and seamless international transfers. Whether you're sending money to yourself, a family member, or a business partner, funds are delivered without the long delays typical of traditional banks.

Seamless USD transfers

Sending USD to Indonesia is simple when you choose Grey. Whether you’re a freelancer, business owner, or sending money to family, Grey ensures your funds arrive safely and quickly. Sign up on Grey today and experience stress-free international transfers.

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