Back in Indonesia? Bring the super you earned in Australia home.

Indonesia is the country where both rates are real

Most country pages on this site tell one story. Europeans mostly held the 417 working holiday visa and pay 65%; Indians and Filipinos mostly studied or were sponsored and pay 35%. Indonesia genuinely splits, and that is the first thing to get right about your own claim.

Australia's Work and Holiday arrangement with Indonesia, under subclass 462, is capped at 5,000 grants a year (Department of Home Affairs), one of the largest allocations in the whole programme, equal with China. Demand still outruns it: from the 2026-27 program year, Home Affairs manages first Work and Holiday applications from Indonesian passport holders through a ballot, with registrations expected to open later in 2026. So unlike India, where only 1,000 people a year can hold the visa, a large share of Indonesians really were working holiday makers.

At the same time Indonesia sends one of Australia's larger international student cohorts, and many stay on for a temporary graduate 485 or a sponsored 482 afterwards. Those visas pay 35% on the taxed element, roughly half the working holiday rate. There is no single Indonesian rate; there is your visa, and the grant email that names its subclass.

The six-month clock still matters

Six months after your visa ends and you have left, your fund must hand your balance to the ATO as unclaimed super. The tax rate does not change when that happens: ATO-held super is still taxed by the visa you held, 65% for working holiday makers and 35% on the taxed element for students, graduates and sponsored workers (source: ATO, DASP).

What changes is everything around the rate. The balance stops earning fund returns, and the ATO pays ATO-held super only to an Australian bank account in your name or by cheque, where a fund can send the money to an Indonesian account. Most people have closed their Australian account by the time they get to the claim. If you are inside the six months, the same claim is simpler and pays to where you actually bank.

Run your own numbers on the DASP tax calculator, which shows both rates side by side.

Shifts and semesters both add up

A Work and Holiday year is usually a string of jobs: a cafe in Sydney, a season of harvest work, cleaning contracts, a stint in a warehouse. Each employer had to pay super on top of your wages at a legislated rate, currently 12%, and each one may have defaulted you into a different fund. A year or two of that commonly leaves several thousand dollars spread across funds you never chose.

Student work does the same on a longer clock: part-time hours through a degree, then full-time professional wages on a 485 or a 482, where three years can accrue A$15,000 or more. Finding every account in your name, including money already sitting with the ATO, is the core of what we do, under one flat fee.

Paid to your Indonesian account

Your DASP is paid to an Indonesian account using your bank's SWIFT/BIC. BCA, Mandiri, BNI, BRI, CIMB Niaga and the other major banks all receive international transfers to an account in your own name. The money arrives in Australian dollars and your bank converts it to rupiah at its own rate; some people use a multi-currency account to control the conversion themselves. We never hold your money, the fund or the ATO pays you directly.

No notaris, no embassy queue

Identity is verified electronically with your passport and a selfie, from your phone, in about two minutes. There are no certified copies, no notaris and no appointment at the Australian Embassy in Jakarta. Funds approached directly will often ask for certified documents, particularly above about A$5,000, and removing that step is a large part of why people use a registered tax agent.

How the claim works from Indonesia

• The five-minute form. Short, in English. If you do not know which fund holds your super, say so and we find it.
• Identity check. Passport plus selfie, on your phone.
• A registered tax agent lodges it. We search every fund plus ATO-held money, prepare the application and chase it through.
• The money reaches your account. Paid by the fund or the ATO directly to you, typically within about 28 days of a complete application.

One flat fee of $150 covers all of it, however many funds you turn out to have, and it is refunded in full if we recover nothing. If your situation is simple, the ATO also runs a free DASP application system you are welcome to use; there is an honest comparison on doing it yourself for free.

Common questions

Which visa was I probably on?

Indonesia is one of the few countries where the honest answer is: it could genuinely be either kind. Australia's Work and Holiday arrangement with Indonesia (subclass 462) is capped at 5,000 grants a year, one of the largest allocations in the programme, so plenty of Indonesians really were working holiday makers. At the same time Indonesia sends one of Australia's larger student cohorts on the subclass 500, with 485 graduate and sponsored 482 visas following on. The distinction sets your tax rate: 65% for working holiday makers, 35% on the taxed element for the others. Your subclass is on the visa grant email you were sent, and if you cannot find it we can establish it from your passport details.

I held a 462 Work and Holiday visa. Is it still worth claiming?

Almost always. The 65% working holiday rate stings, but the 35% you keep is real money you earned: super is paid on top of wages at a legislated rate, currently 12%, so a year or two of hospitality, cleaning or harvest work commonly leaves a balance of several thousand dollars. Left unclaimed it does not come to you at all; it sits with a fund, then moves to the ATO. There is no minimum balance for a DASP.

Can the money be paid into an Indonesian bank account?

Yes. Your fund sends the payment internationally using your bank's SWIFT/BIC details, so accounts with BCA, Mandiri, BNI, BRI, CIMB Niaga and the other major banks all work, provided the account is in your own name and accepts international transfers. It arrives in Australian dollars and your bank converts it to rupiah at its own rate. Super already transferred to the ATO is paid differently, only to an Australian bank account in your name or by cheque, one more reason to claim before the six-month transfer.

I only worked part time while studying. Is it worth claiming?

Usually yes. Super accrues from the first dollar you earn, at a legislated rate on top of your wages, currently 12%. Two or three years of part-time hours while studying commonly leaves a balance worth several thousand dollars, often spread across a different fund for each employer. There is no minimum balance for a DASP, and student visa holders pay the lower 35% rate on the taxed element while the money is still with a fund.

I left Australia years ago. Is it too late?

No. There is no deadline for claiming a DASP and the money is still yours. What the delay changes is where it sits: six months after your visa ended and you departed, funds must hand the balance to the ATO as unclaimed super. The tax rate does not change, it still follows the visa you held, but ATO-held super stops earning fund returns and the ATO pays it only to an Australian bank account in your name or by cheque. Claiming while the money is still with the fund is simpler, so it is worth checking sooner rather than later.

Will Indonesia tax the payment when it arrives?

The payment has already been taxed in Australia at the legislated rate. How it is treated in Indonesia depends on your residency status and the Indonesia-Australia double taxation agreement, and we are not licensed to advise on Indonesian tax. That is a question for a local tax adviser (konsultan pajak), and we provide the payment summary you would need for that conversation.