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Send money to Indonesia, receive salary in Grey, deliver IDR to any Indonesian bank
Indonesians in Singapore are heavily concentrated in domestic work, construction, marine and offshore industries, and service roles. Many are from East Java, West Java, Lombok, and North Sumatra, sending regular support to families whose household budgets run on those transfers. The Indonesian worker in Singapore is often the primary earner for a multi-person household back home.
Money reaches your Grey USD account from your Singapore employer. From there, you enter your recipient's BCA, BNI, Mandiri, or BRI account number, confirm the USD-to-IDR rate and fee, and send. The IDR credit typically appears in your recipient's account within minutes. No exchange house visit, no queuing at a remittance counter, no Saturday closing times.
Indonesia's banking infrastructure is strong for inward remittances. BCA, BNI, Mandiri, and BRI all process international credits quickly. For recipients in smaller cities or rural areas, BRI's nationwide network and BNI's reach make them the most accessible destination banks.
How to send money to Indonesia from Singapore
Sign up
Open a Grey account in under five minutes on your phone. Verify with a valid passport or Singapore NRIC. Grey Inc is registered with FinCEN at 651 N Broad St, Suite 206, Middletown, DE 19709, United States.
Fund
Your Grey USD account comes with US routing and account numbers. Share them with your employer for salary payments or with clients for invoices. Income lands in Grey directly. That Grey balance is what you send from.
Send
Enter your recipient's bank details. Confirm the USD-to-IDR rate and fee. Send. Transfers arrive within minutes.
What does it cost to send money to Indonesia from Singapore
The IDR has been relatively stable against the USD in recent years, but the margin applied by different remittance providers still varies by 1.5 to 3 percent. On a USD 400 transfer, a 2 percent margin difference is USD 8 of invisible cost, which translates to roughly IDR 130,000 less reaching your recipient.
Grey charges a transparent conversion fee and applies a rate close to the mid-market rate. Both are displayed before confirmation. The IDR amount shown is what lands in the recipient's account.
For Indonesian workers sending SGD 300 to SGD 500 monthly, the rate difference between providers is typically larger than the visible fee difference. The comparison to make is not which service charges less in fees, but which delivers more IDR for the same SGD amount.
How the USD to IDR rate works
The USD-to-IDR rate is set by the forex market. Grey applies a rate close to mid-market, shown in the app before you confirm.
Indonesian bank credits process without additional deductions on the receiving side. The IDR amount confirmed in Grey is the amount that arrives in BCA, BNI, Mandiri, or BRI.
For recipients in Indonesia receiving regular support, rate predictability matters. Grey's rate is locked at confirmation, so the IDR amount does not change between when you send and when the credit appears.
How does Grey compare to Singapore bank transfers to Indonesia
Grey delivers to Indonesian banks within minutes from a funded balance. BCA, BNI, Mandiri, and BRI all process international credits quickly.
Indonesian bank transfers operate on weekdays and weekends for most major banks. A transfer sent on a Saturday afternoon typically arrives the same day.
What your recipient sees in Indonesia
Your recipient receives a standard local bank credit. They do not need a Grey account.
Bank account delivery
Grey delivers to BCA, BNI, Mandiri, BRI. Enter the account details in the Grey app.
Transfer speed
Transfers from a funded Grey balance arrive within minutes.
GreyTag transfers
If your recipient has a Grey account, send via GreyTag for free and instant delivery in any currency.
How to fund your transfer
Your Grey USD account is where your Singapore salary lands. Your employer sends payroll to the Grey routing and account numbers. Once funded, sending to BCA, BNI, Mandiri, or BRI takes under two minutes in the app.
Employer payroll
Share Grey USD account details with your employer once. Every salary cycle, USD lands in Grey automatically.
USD wire transfer
Wire USD from any bank to your Grey account. Useful if salary arrives elsewhere first.
Existing Grey balance
If you already hold USD in Grey, send immediately without a new deposit.
Many Indonesian workers in Singapore prefer to top up Grey with their salary and send in smaller amounts across the month rather than one large monthly transfer. Grey supports both patterns with no minimum amount and no frequency limit.
Who sends money from Singapore to Indonesia
Monthly family support
Regular monthly transfers to support parents, siblings, or children in Indonesia. Grey's rate lock and fast delivery make it reliable for recurring transfers.
Education payments
School fees and university tuition for family in Indonesia. Time-sensitive payments that must arrive in the right account by a deadline.
Business and freelance
Singapore-based businesses paying suppliers or contractors in Indonesia. Freelancers routing client payments home.
Savings and investment
Converting Singapore earnings into IDR for savings or investment in Indonesia.
Indonesian workers in Singapore send home for a narrow set of consistent needs: parents' monthly living expenses, school fees for children, medical bills, land payments, and occasional event costs like weddings or funerals. The amounts are typically modest but the regularity is high. BRI and BNI are the most commonly used destination banks for recipients in smaller cities and rural areas.
Best way to send money from Singapore to Indonesia
FAQs
How do I send money from Singapore to Indonesia with Grey?
Your Grey USD balance, funded by salary or client payments, converts to IDR and lands in BCA, BNI, Mandiri, BRI, or other Indonesian bank accounts. Enter the account details, confirm the USD-to-IDR rate and fee, and send. Transfers typically arrive within minutes.
What is the USD to IDR rate today?
The current USD-to-IDR rate is shown in the Grey app before you confirm. The rate at confirmation is the rate applied.
How long does a transfer from Singapore to Indonesia take?
Transfers from a funded Grey balance to Indonesian banks typically arrive within minutes. BCA, BNI, Mandiri, BRI, and Bank Permata are all supported.
Which Indonesian banks does Grey support?
Grey delivers to BCA, BNI, Mandiri, BRI, Bank Permata, CIMB Niaga, and most other major Indonesian commercial banks.
Does my family in Indonesia need a Grey account?
No. The transfer arrives as a standard credit to their Indonesian bank account. No Grey account is required.
What is the fee for sending money from Singapore to Indonesia?
The conversion fee and USD-to-IDR rate are both shown in the Grey app before you confirm. No additional charges apply after confirmation.
Is Grey a good option for Indonesian workers in Singapore sending money home?
Yes. Indonesian workers in Singapore who receive USD salary can use their Grey account details for payroll. From a funded balance, sending to BCA, BNI, Mandiri, or BRI takes under two minutes.
Can I send money from Singapore to Indonesia on weekends?
Yes. Grey processes transfers at any time including weekends. Indonesian bank credits also process on weekends for most major banks.
What is the minimum amount I can send from Singapore to Indonesia?
Grey does not impose a high minimum transfer amount. Check the Grey app for your current account limits, which vary by verification level.
Can I track my transfer to Indonesia?
Yes. Grey shows transfer status in the app and sends a notification when funds arrive in the recipient's Indonesian bank account.
How does the Singapore-to-Indonesia corridor work for Cross-border workers?
Indonesian workers in Singapore who receive USD salary share their Grey USD account details with their employer. Every salary payment lands in Grey. From there, sending to family in Jakarta, Surabaya, or elsewhere takes under two minutes in the app.
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