Sending money from the United States to Indonesia: the payments stack
Sending USD 200 from the United States to Indonesia cost 5.71% of the amount on average in Q3 2025, across 24 services in the World Bank's Remittance Prices Worldwide survey. Payouts in Indonesia typically run over BI-FAST, BI-RTGS; between now and the end of 2027 there are 10 weekdays when banks in the United States are closed but Indonesia keeps paying out, so the payout balance has to be funded before them.
| Average cost to send | 5.71% of USD 200 (Q3 2025, World Bank RPW) source |
| Money transfer operators | 5.2% across 23 services |
| Banks | 17.5% across 1 services |
| Collect in United States | FedNow Service, FedNow network limit, RTP network, Fedwire Funds Service, FedACH and Same Day ACH, Same Day ACH limit |
| Pay out in Indonesia | BI-FAST, BI-RTGS, SKNBI (national clearing), QRIS (collections) |
What it costs to send USD 200
The World Bank surveyed 24 services sending from the United States to Indonesia from 13 August 2025 to 20 August 2025. The average total cost, fees plus the FX margin, was 5.71% of the amount sent; money transfer operators averaged 5.2% and banks 17.5%. source
Bank and operator averages are worked out from the survey's provider types.
The send side: the United States
- With few exceptions, each money services business must register with the US Treasury through FinCEN by filing FinCEN Form 107 within 180 days of being established, and must renew the registration every two years; a business that is an MSB only because it acts as agent of another MSB does not register. source
- Money transmission is also licensed state by state. As of September 2026, 31 states have enacted the CSBS Money Transmission Modernization Act in full or in part, and money transmitters licensed in at least one adopting state account for 99% of reported money transmission activity. source
- The Money Transmission Modernization Act sets a minimum tangible net worth of the greater of US$100,000 or 3% of total assets for the first US$100 million, 2% of assets from US$100 million to US$1 billion and 0.5% of assets above US$1 billion, and encourages states to run licensing, surety bonds and reporting through NMLS. source
Licences, sponsor banks, collections, ramps and KYC providers: sending from the United States.
The payout side: Indonesia
| Payout partner | What it does in Indonesia | Source |
|---|---|---|
| DOKU | Cross Border Payouts send IDR to banks, e-wallets and bill payments in Indonesia, accept deposits in USD, SGD or IDR, validate bank accounts in real time, and serve both licensed remittance platforms and businesses without a local entity. | source |
| Xendit | Pays out IDR over BI-FAST (about 15 minutes, up to IDR 250,000,000) and RTGS (about 2 hours, 2 p.m. cut-off, no limit) to banks and e-wallets for B2B, B2C, C2B and C2C flows. | source |
| Nium · our guide | Pays IDR to all banks in Indonesia in real time 24x7 via BI-FAST and online transfer, by BI-FAST proxy, to wallets and via Visa Direct, with a 2 p.m. Jakarta cut-off for SKN and RTGS. | source |
| dLocal · our guide | Supports payouts in Indonesia by bank transfer and to wallets such as GoPay, OVO, DANA, LinkAja and ShopeePay. | source |
Licensing, local banks, stablecoin ramps, FX and KYC in Indonesia: launching payments in Indonesia.
Payout rails in Indonesia
| Rail | Operator | What matters for payouts | Source |
|---|---|---|---|
| BI-FAST | Bank Indonesia | Real-time retail transfers every day, Monday to Sunday, 24 hours a day; Bank Indonesia sets the maximum amount per transaction and participants must publish it to customers. | source |
| BI-RTGS | Bank Indonesia | High-value real-time gross settlement, open 06:30 to 19:00 Western Indonesia Time (WIB) on operating days set by Bank Indonesia. | source |
| SKNBI (national clearing) | Bank Indonesia | Batch clearing; Nium's cut-off for SKN and RTGS payouts is 2 p.m. Jakarta time, while BI-FAST and online transfers run 24x7. | source |
| QRIS (collections) | Bank Indonesia and the Indonesian Payment System Association | National QR standard for collecting payments; Xendit's QRIS channel accepts up to IDR 10,000,000 per payment and settles T+1 business days. | source |
Holiday gaps to plan for, to December 2027
Weekdays when one side of the corridor is closed. On the 10 dates when the United States is closed and Indonesia is open, the payout balance has to already hold enough to cover them. On the 19 dates when Indonesia is closed, instant rails may still pay out.
| Date | United States | Indonesia | What it means |
|---|---|---|---|
| Wed 11 Nov 2026 | Veterans Day | Open | Prefund Indonesia the day before: no funding from the United States, payouts continue |
| Thu 26 Nov 2026 | Thanksgiving Day | Open | Prefund Indonesia the day before: no funding from the United States, payouts continue |
| Thu 24 Dec 2026 | Open | Collective leave: Christmas | Indonesia banks closed: only always-on rails pay out |
| Fri 25 Dec 2026 | Christmas Day | Christmas Day | Both closed |
| Fri 1 Jan 2027 | New Year's Day | New Year's Day | Both closed |
| Tue 5 Jan 2027 | Open | Isra Mi'raj of the Prophet Muhammad (1448 H) | Indonesia banks closed: only always-on rails pay out |
| Mon 18 Jan 2027 | Martin Luther King Jr. Day | Open | Prefund Indonesia the day before: no funding from the United States, payouts continue |
| Fri 5 Feb 2027 | Open | Collective leave: Chinese New Year | Indonesia banks closed: only always-on rails pay out |
| Mon 15 Feb 2027 | Washington's Birthday (Presidents Day) | Open | Prefund Indonesia the day before: no funding from the United States, payouts continue |
| Mon 8 Mar 2027 | Open | Nyepi (Day of Silence, Saka New Year 1949) | Indonesia banks closed: only always-on rails pay out |
| Tue 9 Mar 2027 | Open | Collective leave: Idul Fitri | Indonesia banks closed: only always-on rails pay out |
| Wed 10 Mar 2027 | Open | Idul Fitri 1448 H (day 1) | Indonesia banks closed: only always-on rails pay out |
| Thu 11 Mar 2027 | Open | Idul Fitri 1448 H (day 2) | Indonesia banks closed: only always-on rails pay out |
| Fri 12 Mar 2027 | Open | Collective leave: Idul Fitri | Indonesia banks closed: only always-on rails pay out |
| Mon 15 Mar 2027 | Open | Collective leave: Idul Fitri | Indonesia banks closed: only always-on rails pay out |
| Thu 25 Mar 2027 | Open | Collective leave: Good Friday | Indonesia banks closed: only always-on rails pay out |
| Fri 26 Mar 2027 | Open | Good Friday | Indonesia banks closed: only always-on rails pay out |
| Thu 6 May 2027 | Open | Ascension of Jesus Christ | Indonesia banks closed: only always-on rails pay out |
| Mon 17 May 2027 | Open | Idul Adha 1448 H | Indonesia banks closed: only always-on rails pay out |
| Tue 18 May 2027 | Open | Collective leave: Idul Adha | Indonesia banks closed: only always-on rails pay out |
| Wed 19 May 2027 | Open | Collective leave: Vesak | Indonesia banks closed: only always-on rails pay out |
| Thu 20 May 2027 | Open | Vesak Day (2571 BE) | Indonesia banks closed: only always-on rails pay out |
| Mon 31 May 2027 | Memorial Day | Open | Prefund Indonesia the day before: no funding from the United States, payouts continue |
| Tue 1 Jun 2027 | Open | Pancasila Day | Indonesia banks closed: only always-on rails pay out |
| Mon 5 Jul 2027 | Independence Day (observed) | Open | Prefund Indonesia the day before: no funding from the United States, payouts continue |
| Tue 17 Aug 2027 | Open | Independence Day | Indonesia banks closed: only always-on rails pay out |
| Mon 6 Sep 2027 | Labor Day | Open | Prefund Indonesia the day before: no funding from the United States, payouts continue |
| Mon 11 Oct 2027 | Columbus Day | Open | Prefund Indonesia the day before: no funding from the United States, payouts continue |
| Thu 11 Nov 2027 | Veterans Day | Open | Prefund Indonesia the day before: no funding from the United States, payouts continue |
| Thu 25 Nov 2027 | Thanksgiving Day | Open | Prefund Indonesia the day before: no funding from the United States, payouts continue |
| Fri 24 Dec 2027 | Open | Collective leave: Christmas | Indonesia banks closed: only always-on rails pay out |
Full calendars: United States and Indonesia. Size the buffer with the corridor runway calculator.
Funding the corridor
- Fedwire does not run on Saturdays, Sundays or Federal Reserve holidays; the Monday business day opens at 9:00 p.m. ET on Sunday and every business day closes at 7:00 p.m. ET, with customer transfers cut off at 6:45 p.m. ET. source
- Federal Reserve holidays in the rest of 2026 are Veterans Day (11 November), Thanksgiving (26 November) and Christmas (Friday 25 December); in 2027, Juneteenth (19 June) and Christmas (25 December) fall on Saturdays, so the Reserve Banks open on the Friday before. 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 United States, 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.
Frequently asked questions
How much does it cost to send money from the United States to Indonesia?
The World Bank's survey put the average total cost of sending USD 200 at 5.71% in Q3 2025, across 24 services. Money transfer operators averaged 5.2%.
Which rails pay out in Indonesia?
Local payouts run over BI-FAST, BI-RTGS, SKNBI (national clearing), QRIS (collections).
When do I need to prefund Indonesia payouts ahead of holidays?
Between now and December 2027 there are 10 weekdays when the United States is closed and Indonesia is open, the first on Wed 11 Nov 2026. The payout balance has to cover those days before they start.
Related corridors
Sources
- World Bank, Remittance Prices Worldwide dataset · World Bank
- Holiday Schedules (Federal Reserve Banks, 2026 to 2030, plus FedACH holiday processing) · Federal Reserve Financial Services
- Fedwire Funds Service and National Settlement Service Operating Hours · Federal Reserve Financial Services
- SKB Libur Nasional dan Cuti Bersama Tahun 2027 · Kemenko PMK
- Gov't announces 2027 national holidays and collective leave days · Cabinet Secretariat of the Republic of Indonesia
Know where all your money is.
Polynopsis gives cross-border payment teams one live position across every bank, payout partner, exchange and wallet, including money in flight, and warns before a corridor runs dry.