Sending money from Australia to Indonesia: the payments stack

By Polynopsis team · Last updated 29 October 2026

What it costs to send AUD 200

The World Bank surveyed 19 services sending from Australia to Indonesia from 14 August 2025 to 27 August 2025. The average total cost, fees plus the FX margin, was 3.28% of the amount sent; money transfer operators averaged 2.89% and banks 5.37%. source

Bank and operator averages are worked out from the survey's provider types.

The send side: Australia

• Remittance service providers and virtual asset service providers must both enrol with AUSTRAC and apply for registration through AUSTRAC Online, and cannot start providing remittance or virtual asset services until AUSTRAC approves the registration. source
• AUSTRAC registers independent remittance dealers, remittance network providers, remittance network provider affiliates and virtual asset service providers; AUSTRAC can take up to 90 days to assess an application, and the 90 days restart when it asks for more information. source
• Registration lasts 3 years; a renewal can be lodged from 90 days before expiry, and a registration that is not renewed lapses and is removed from the register. source

Licences, sponsor banks, collections, ramps and KYC providers: sending from Australia.

The payout side: Indonesia

Licensing, local banks, stablecoin ramps, FX and KYC in Indonesia: launching payments in Indonesia.

Payout rails in Indonesia

Holiday gaps to plan for, to December 2027

Weekdays when one side of the corridor is closed. On the 6 dates when Australia is closed and Indonesia is open, the payout balance has to already hold enough to cover them. On the 18 dates when Indonesia is closed, instant rails may still pay out.

Full calendars: Australia and Indonesia. Size the buffer with the corridor runway calculator.

Funding the corridor

• NPP payments settle in the Fast Settlement Service 24 hours a day on every day of the year, so AUD collections can arrive on weekends and holidays. source
• All other RITS settlement runs only on days when banks are open in Sydney or Melbourne, from 7:30 am to 10:00 pm AEST/AEDT, and closes on weekends and on New Year's Day, Australia Day, Good Friday, Easter Monday, Anzac Day, the King's Birthday, Christmas Day and Boxing Day where observed in NSW and Victoria. source
• BI-FAST participants manage cash liquidity in their BI-FAST settlement accounts, and top-ups from BI-RTGS settlement accounts can only be made during BI-RTGS operating hours, so weekend and night payouts depend on balances placed beforehand. source
• BI-RTGS runs 06:30 to 19:00 WIB on its operating days, which caps when rupiah liquidity can move between banks' settlement accounts. source
• Xendit lists a BI-FAST limit of IDR 250,000,000 per transaction; larger payouts go over RTGS with a 2 p.m. Jakarta cut-off. source

Running the corridor

Polynopsis shows every balance on both sides of this corridor in one live position: the collection accounts in Australia, the payout partners and banks in Indonesia and any stablecoin in between. It warns before the Indonesia balance runs dry, holidays included. See how it works.

Related corridors

• Australia to China
• Australia to India
• Australia to Pakistan
• Australia to Philippines
• Australia to Sri Lanka
• Australia to Thailand
• Australia to Vietnam
• Australia to Zimbabwe
• Netherlands to Indonesia
• Saudi Arabia to Indonesia
• Singapore to Indonesia
• UAE to Indonesia

Sources

1. World Bank, Remittance Prices Worldwide dataset · World Bank
2. RITS Business Hours · Reserve Bank of Australia
3. Public and Bank Holidays 2026 · Reserve Bank of Australia
4. SKB Libur Nasional dan Cuti Bersama Tahun 2027 · Kemenko PMK
5. Gov't announces 2027 national holidays and collective leave days · Cabinet Secretariat of the Republic of Indonesia