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Send money from Germany to Indonesia(EUR → IDR)
EUR
IDR|Pricing observed Mid-market 20419.0779Top-ranked estimateof 13 providers
TapTap Send
Rate 20200.5938 · Fee free
You send
€1,000
Estimated receipt
Rp20,200,594
Rp4,581,500 more than the lowest estimate · 1.07% markup vs mid-market
Affiliate link · No extra cost to you
Quick answer: For 1,000 EUR to IDR, TapTap Send ranks first among 13 provider estimates, with an estimated payout of 20,200,593.78 IDR. The first-ranked estimate pays 4,581,527.34 IDR more than the lowest estimate in this comparison.
Latest pricing observation: . Oldest observation used: . Payouts are estimated from collected fees and markups with a mid-market reference. Collection schedules vary by source. Quotes are collected by currency pair, so we cannot confirm that every provider serves Germany specifically — check availability, funding method and delivery method with the provider before you commit. How we collect and rank quotes.
What is the cheapest way to send EUR to IDR?
Sending €1,000 from Germany to Indonesia. Ranked by estimated payout, with customer ratings used for closely matched results.
Source: SendMoneyCompare · Estimated payouts from collected pricing and mid-market rates
#ProviderRateFeeRecipient getsSend
Rate 20200.5938·Fee Free·1.07% markup
Best rate 122 of 122 days
↓ 1.5% over 122dAvg: 20538.65 IDR (-1.6% vs avg)Range: 20200.00–21000.00
1
TapTap SendBest value
Under 3 minutes (95% of transfers)1.07% markup
Best rate 122 of 122 days
↓ 1.5% over 122dAvg: 20538.65 IDR (-1.6% vs avg)Range: 20200.00–21000.00
20200.5938
Free
Rp20,200,593.78
Send
Rate 20274.1025·Fee €7.10·0.71% markup
4
BNP Paribas
1-3 business days
Rp19,879,542.37
recipient gets
Rate 20147.5042·Fee €13.30·1.33% markup
Rate 20137.2946·Fee €13.80·1.38% markup
Rate 19973.9420·Fee €21.80·2.18% markup
Rate 19929.0200·Fee €24.00·2.40% markup
8
Rabobank
1-3 business days
Rp18,959,623.50
recipient gets
Rate 19675.8235·Fee €36.40·3.64% markup
9
Sparkasse
1-3 business days
Rp18,739,894.62
recipient gets
Rate 19561.4766·Fee €42.00·4.20% markup
Rate 19534.9318·Fee €43.30·4.33% markup
Rate 19467.5489·Fee €46.60·4.66% markup
Rate 19328.6992·Fee €53.40·5.34% markup
13
La Banque Postale
1-3 business days
Rp15,619,066.44
recipient gets
Rate 17858.5255·Fee €125.40
Rate 20255.7253·Fee Free·0.80% markup
Estimated payout difference: The first-ranked provider pays more than the lowest estimate by Rp4,581,527.34 on a €1,000 transfer.
Some links on this page are affiliate links — we may earn a commission at no extra cost to you. Rankings come from live transfer data and are ordered by what your recipient receives. Whether a provider pays us plays no part in that order. Where payouts land within 0.1% of each other — less than rates typically move between our updates — the higher-rated provider is listed first. Editorial policy
Looking for cheap money transfers from Germany to Indonesia? We compare exchange rates, fees, and delivery times from every major provider to help you save on every transfer.
Whether you're supporting family in Indonesia or paying for business services, finding the cheapest way to send money from Germany matters. Exchange rate markups and transfer fees add up — especially on regular transfers. Our real-time comparison helps you cut costs by showing the exact amount your recipient gets from each provider.
Which provider offers the best EUR to IDR rate?
TapTap Send
4.7Exchange rate
20200.5938
Fee
Free
Recipient gets
Rp20,200,593.78
Speed
Under 3 minutes (95% of transfers)
Also available · Digital-asset rails
Crypto & stablecoin routes for EUR → IDR
For a tech-comfortable sender, stablecoin rails can beat every bank and app. These aren't one-tap services — each is a fiat on-ramp → blockchain → local cash-out. Here's the all-in cost and how each works.
IndodaxBitcoin · Lightning
Kraken → Stellar (USDC) → Indodax · ~5 seconds
20,336,928 IDR
0.32% all-in
+
IndodaxBitcoin · Lightning
Kraken → Stellar (USDC) → Indodax · ~5 seconds
20,336,928 IDR
0.32% all-in
- 1Kraken EUR→USDC: 0.26%
- 2Stellar network: 0.000001 USDC
- 3Indodax: 0.01% spread
- 46500 IDR withdrawal fee
Also routable via Stellar (USDC), Solana (USDC), Polygon (USDC), Lightning Network (BTC).
Source: CCXT (indodax)
Crypto rails involve exchange accounts, wallets, and price/liquidity risk. Costs are estimates from live exchange and network data, refreshed every 6 hours. Not financial advice.
SendMoneyCompare
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Example alert
EUR → IDR · cheapest just changed
Sending 1,000 EUR today? The cheapest provider on this corridor changed overnight — same money in, more IDR out. A bank wire is still the most expensive way to send it.
sendmoneycompare.com/send-money/germany-to-indonesia
09:12Watch the card-funding fee
Two providers added a card-funding fee this morning. Paying by bank transfer is the cheaper route today.
Thu 16:40Guides, fees & how it works
Which provider is best for each transfer type?
Different providers excel at different things. Here's who's best for each use case on the Germany to Indonesia route.
Cheapest transfer
TapTap Send
Delivers the most IDR for your money
Fastest transfer
TapTap Send
Delivers in Under 3 minutes (95% of transfers)
Cash pickup
WorldRemit
Widest cash pickup network
Bank transfer
TapTap Send
Best rate for bank deposit to Indonesia
How to send money to Indonesia
Sending money to Indonesiais straightforward with the right provider. Here's how it works in 3 simple steps.
Step 1
Enter your transfer details
Choose how much EUR you want to send, compare providers above, and pick the one offering the best IDR amount for your transfer to Indonesia.
Step 2
Add your recipient
Enter your recipient's details in Indonesia — you'll need their bank account number. Complete the provider’s verification before expecting delivery.
Step 3
Send & track your transfer
Choose an available funding method, confirm the final payout and arrival estimate, then keep your tracking reference.
What you need to send money to Indonesia
Make sure you have these details from your recipient before starting your transfer.
Full name
Recipient's name as registered with their Indonesian bank account
Bank account number
Indonesian bank account number (10–15 digits depending on the bank)
Bank name
Name of the receiving bank (e.g. BCA, Bank Mandiri, BNI, BRI)
Note: Indonesia does not use IBAN. You need the recipient's bank account number and bank name. Some providers also support transfers via DANA or OVO digital wallets.
Transfer examples: EUR to IDR
See how much your recipient would get for common transfer amounts.
Send €500
ProviderFeeReceives
TapTap Send
20200.59 · Under 3 minutes (95% of transfers)
Wise
20300.65 · ~3 hours
InstaReM
20274.10 · 1-3 business days
BNP Paribas
20147.50 · 1-3 business days
WorldRemit
20137.29 · Minutes to 3 days
Remitly
19973.94 · Minutes
ProviderFeeRateReceivesSpeed
TapTap SendFree20200.59Rp10,100,297Under 3 minutes (95% of transfers)
Wise€2.9020300.65Rp10,091,452~3 hours
InstaReM€3.5520274.10Rp10,065,0781-3 business days
BNP Paribas€6.6520147.50Rp9,939,7711-3 business days
WorldRemit€6.9020137.29Rp9,929,700Minutes to 3 days
Remitly€10.9019973.94Rp9,769,255Minutes
Send €1,000
ProviderFeeReceives
TapTap Send
20200.59 · Under 3 minutes (95% of transfers)
Wise
20300.65 · ~3 hours
InstaReM
20274.10 · 1-3 business days
BNP Paribas
20147.50 · 1-3 business days
WorldRemit
20137.29 · Minutes to 3 days
Remitly
19973.94 · Minutes
ProviderFeeRateReceivesSpeed
TapTap SendFree20200.59Rp20,200,594Under 3 minutes (95% of transfers)
Wise€5.8020300.65Rp20,182,904~3 hours
InstaReM€7.1020274.10Rp20,130,1561-3 business days
BNP Paribas€13.3020147.50Rp19,879,5421-3 business days
WorldRemit€13.8020137.29Rp19,859,400Minutes to 3 days
Remitly€21.8019973.94Rp19,538,510Minutes
Send €5,000
ProviderFeeReceives
TapTap Send
20200.59 · Under 3 minutes (95% of transfers)
Wise
20300.65 · ~3 hours
InstaReM
20274.10 · 1-3 business days
BNP Paribas
20147.50 · 1-3 business days
WorldRemit
20137.29 · Minutes to 3 days
Remitly
19973.94 · Minutes
ProviderFeeRateReceivesSpeed
TapTap SendFree20200.59Rp101,002,969Under 3 minutes (95% of transfers)
Wise€29.0020300.65Rp100,914,518~3 hours
InstaReM€35.5020274.10Rp100,650,7821-3 business days
BNP Paribas€66.5020147.50Rp99,397,7121-3 business days
WorldRemit€69.0020137.29Rp99,297,000Minutes to 3 days
Remitly€109.0019973.94Rp97,692,550Minutes
How much does it cost to send money from Germany to Indonesia?
Transfer fees from Germany to Indonesia vary by provider. Specialist services charge €0–10 per transfer, while banks charge €25–50 plus a 2–5% exchange rate markup. The exchange rate markup is usually the bigger cost — always compare the total IDR your recipient receives, not just the advertised fee.
Understanding the total cost
The true cost of a money transfer has two components:
Transfer fee
The upfront charge — typically €0–€10 with specialist providers.
Exchange rate markup
The hidden cost — the difference between the provider's rate and the mid-market rate (20419.0779).
Ways to send money to Indonesia
Choose how you want to pay for your transfer. Each payment method has different costs and speeds.
Bank deposit is the most common method. DANA and OVO wallets are growing alternatives for younger, digitally-savvy recipients in urban areas.
Debit Card
Medium costSpeed: Minutes to hours
Fast and convenient — small card processing fee applies
Bank Transfer
Low costSpeed: 1–3 business days
Usually the cheapest option — lowest fees and no card processing charges
Google Pay
Medium costSpeed: Minutes to hours
Convenient mobile payment — linked card fees apply
Apple Pay
Medium costSpeed: Minutes to hours
Convenient mobile payment — linked card fees apply
Credit Card
Higher costSpeed: Minutes to hours
Fastest option but highest fees — card issuer may charge cash advance fee
Cash
Medium costSpeed: Varies
Pay cash at an agent location — available at select providers
How can my recipient receive money in Indonesia?
Check these receiving options with the provider. Availability depends on the sending country, recipient and transfer conditions.
Bank Deposit
1–2 business days
Transfer to Indonesian bank accounts. BCA, Bank Mandiri, BRI, and BNI cover most of the population.
WiseRemitlyWorldRemitWestern Union
DANA Wallet
Minutes
Transfer to DANA digital wallet — popular mobile payment platform in Indonesia.
Remitly
OVO Wallet
Minutes
Transfer to OVO digital wallet — one of Indonesia's largest fintech platforms.
Remitly
Cash Pickup
Minutes
Collect cash from bank branches and agent locations across Indonesia.
Western UnionMoneyGram
What are the transfer limits and regulations for Indonesia?
Important rules and requirements to know before sending money to Indonesia.
Regulatory body
Bank Indonesia (BI)
Inbound transfer limits
No cap on incoming remittances
Documentation you may need
- Sender's government-issued ID
- Recipient may need to report amounts over $25,000 equivalent to Bank Indonesia
Important things to know
- Indonesia is one of the largest remittance-receiving countries in Southeast Asia.
- The Indonesian rupiah (IDR) is among the world's most-subdivided currencies — exchange rates are quoted in thousands.
- Bank Indonesia monitors foreign exchange flows — large transfers may require a purpose declaration.
How long does it take to send money to Indonesia?
Most transfers from Germany to Indonesia arrive within 1–2 business days with specialist providers. Bank wires take 3–5 business days. Some providers offer instant or same-day delivery to Indonesia for a small premium.
Delivery times shown here are published by the providers and payment schemes. We do not measure when transfers actually arrive, so treat them as estimates and confirm the time with your provider before you send.
FastExpress delivery
- TapTap SendUnder 3 minutes (95% of transfers)
- WorldRemitMinutes to 3 days
- RemitlyMinutes
- MoneyGramMinutes to 3 days
- SkrillInstant to 3 business days
Standard delivery
- Wise~3 hours
- InstaReM1-3 business days
- BNP Paribas1-3 business days
- Rabobank1-3 business days
- Sparkasse1-3 business days
Popular banks in Indonesia
These are the most commonly used banks for receiving international transfers in Indonesia.
BankSWIFT/BICNotes
Bank Central Asia (BCA)
CENAIDJA
Bank Mandiri
BMRIIDJA
Bank Rakyat Indonesia (BRI)
BRINIDJA
Bank Negara Indonesia (BNI)
BNINIDJA
CIMB Niaga
BNIAIDJA
Bank Danamon
BDINIDJA
25/ 100
Only one provider here
SendScoreToday's best rate is -1.52% vs the 30-day average, near the 90-day low. Rates are falling — -1.22% week on week. Only one provider quotes this corridor, so this is a single-provider reading rather than a comparison.
- 40%Position in the 90-day range — near the 90-day low
- 25%Versus the 30-day average — -1.52% vs the 30-day average
- 15%This week versus last — falling — -1.22% week on week
Measured from 122 days of our own recorded provider rates for EUR→IDR
EUR to IDR Exchange Rate History
Daily best exchange rates from top providers over the last 122 days. Rates shown are for sending $100.
| Date | TapTap Send | __mid Market__ |
|---|---|---|
| Trend | ||
| Sep 12 | 20200.0000✓ | 20200.0000✓ |
| Sep 11 | 20250.0000✓ | 20250.0000✓ |
| Sep 10 | 20300.0000✓ | 20300.0000✓ |
| Sep 9 | 20300.0000✓ | 20300.0000✓ |
| Sep 8 | 20300.0000✓ | 20300.0000✓ |
| Sep 7 | 20300.0000✓ | 20300.0000✓ |
| Sep 6 | 20300.0000✓ | 20300.0000✓ |
| Sep 5 | 20300.0000✓ | 20300.0000✓ |
| Sep 4 | 20300.0000✓ | 20300.0000✓ |
| Sep 3 | 20565.0000✓ | 20565.0000✓ |
| Sep 2 | 20565.0000✓ | 20565.0000✓ |
| Sep 1 | 20565.0000✓ | 20565.0000✓ |
| Aug 31 | 20565.0000✓ | 20565.0000✓ |
| Aug 30 | 20565.0000✓ | 20565.0000✓ |
| Aug 29 | 20600.0000✓ | 20600.0000✓ |
| Aug 28 | 20600.0000✓ | 20600.0000✓ |
| Aug 27 | 20600.0000✓ | 20600.0000✓ |
| Aug 26 | 20600.0000✓ | 20600.0000✓ |
| Aug 25 | 20600.0000✓ | 20600.0000✓ |
| Aug 24 | 20600.0000✓ | 20600.0000✓ |
| Aug 23 | 20700.0000✓ | 20700.0000✓ |
| Aug 22 | 20700.0000✓ | 20700.0000✓ |
| Aug 21 | 20700.0000✓ | 20700.0000✓ |
| Aug 20 | 20600.0000✓ | 20600.0000✓ |
| Aug 19 | 20600.0000✓ | 20600.0000✓ |
| Aug 18 | 20600.0000✓ | 20600.0000✓ |
| Aug 17 | 20600.0000✓ | 20600.0000✓ |
| Aug 16 | 20600.0000✓ | 20600.0000✓ |
| Aug 15 | 20600.0000✓ | 20600.0000✓ |
| Aug 14 | 20600.0000✓ | 20600.0000✓ |
| Aug 13 | 20600.0000✓ | 20600.0000✓ |
| Aug 12 | 20500.0000✓ | 20500.0000✓ |
| Aug 11 | 20500.0000✓ | 20500.0000✓ |
| Aug 10 | 20500.0000✓ | 20500.0000✓ |
| Aug 9 | 20500.0000✓ | 20500.0000✓ |
| Aug 8 | 20500.0000✓ | 20500.0000✓ |
| Aug 7 | 20500.0000✓ | 20500.0000✓ |
| Aug 6 | 20500.0000✓ | 20500.0000✓ |
| Aug 5 | 20500.0000✓ | 20500.0000✓ |
| Aug 4 | 20500.0000✓ | 20500.0000✓ |
| Aug 3 | 20500.0000✓ | 20500.0000✓ |
| Aug 2 | 20500.0000✓ | 20500.0000✓ |
| Aug 1 | 20500.0000✓ | 20500.0000✓ |
| Jul 31 | 20500.0000✓ | 20500.0000✓ |
| Jul 30 | 20500.0000✓ | 20500.0000✓ |
| Jul 29 | 20500.0000✓ | 20500.0000✓ |
| Jul 28 | 20500.0000✓ | 20500.0000✓ |
| Jul 27 | 20500.0000✓ | 20500.0000✓ |
| Jul 26 | 20500.0000✓ | 20500.0000✓ |
| Jul 25 | 20500.0000✓ | 20500.0000✓ |
| Jul 24 | 20500.0000✓ | 20500.0000✓ |
| Jul 23 | 20500.0000✓ | 20500.0000✓ |
| Jul 22 | 20500.0000✓ | 20500.0000✓ |
| Jul 21 | 20500.0000✓ | 20500.0000✓ |
| Jul 20 | 20500.0000✓ | 20500.0000✓ |
| Jul 19 | 20500.0000✓ | 20500.0000✓ |
| Jul 18 | 20500.0000✓ | 20500.0000✓ |
| Jul 17 | 20500.0000✓ | 20500.0000✓ |
| Jul 16 | 20500.0000✓ | 20500.0000✓ |
| Jul 15 | 20500.0000✓ | 20500.0000✓ |
| Jul 14 | 20500.0000✓ | 20500.0000✓ |
| Jul 13 | 20500.0000✓ | 20500.0000✓ |
| Jul 12 | 20500.0000✓ | 20500.0000✓ |
| Jul 11 | 20500.0000✓ | 20500.0000✓ |
| Jul 10 | 20500.0000✓ | 20500.0000✓ |
| Jul 9 | 20500.0000✓ | 20500.0000✓ |
| Jul 8 | 20500.0000✓ | 20500.0000✓ |
| Jul 7 | 20500.0000✓ | 20500.0000✓ |
| Jul 6 | 20500.0000✓ | 20500.0000✓ |
| Jul 5 | 20500.0000✓ | 20500.0000✓ |
| Jul 4 | 20500.0000✓ | 20500.0000✓ |
| Jul 3 | 20500.0000✓ | 20500.0000✓ |
| Jul 2 | 20400.0000✓ | 20400.0000✓ |
| Jul 1 | 20400.0000✓ | 20400.0000✓ |
| Jun 30 | 20300.0000✓ | 20300.0000✓ |
| Jun 29 | 20300.0000✓ | 20300.0000✓ |
| Jun 28 | 20300.0000✓ | 20300.0000✓ |
| Jun 27 | 20300.0000✓ | 20300.0000✓ |
| Jun 26 | 20200.0000✓ | 20200.0000✓ |
| Jun 25 | 20200.0000✓ | 20200.0000✓ |
| Jun 24 | 20400.0000✓ | 20400.0000✓ |
| Jun 23 | 20400.0000✓ | 20400.0000✓ |
| Jun 22 | 20400.0000✓ | 20400.0000✓ |
| Jun 21 | 20400.0000✓ | 20400.0000✓ |
| Jun 20 | 20400.0000✓ | 20400.0000✓ |
| Jun 19 | 20500.0000✓ | 20500.0000✓ |
| Jun 18 | 20600.0000✓ | 20600.0000✓ |
| Jun 17 | 20600.0000✓ | 20600.0000✓ |
| Jun 16 | 20600.0000✓ | 20600.0000✓ |
| Jun 15 | 20600.0000✓ | 20600.0000✓ |
| Jun 14 | 20670.0000✓ | 20670.0000✓ |
| Jun 13 | 20670.0000✓ | 20670.0000✓ |
| Jun 12 | 20670.0000✓ | 20670.0000✓ |
| Jun 11 | 20860.0000✓ | 20860.0000✓ |
| Jun 10 | 20860.0000✓ | 20860.0000✓ |
| Jun 9 | 21000.0000✓ | 21000.0000✓ |
| Jun 8 | 20850.0000✓ | 20850.0000✓ |
| Jun 7 | 20850.0000✓ | 20850.0000✓ |
| Jun 6 | 21000.0000✓ | 21000.0000✓ |
| Jun 5 | 20900.0000✓ | 20900.0000✓ |
| Jun 4 | 20780.0000✓ | 20780.0000✓ |
| Jun 3 | 20780.0000✓ | 20780.0000✓ |
| Jun 2 | 20780.0000✓ | 20780.0000✓ |
| Jun 1 | 20780.0000✓ | 20780.0000✓ |
| May 31 | 20780.0000✓ | 20780.0000✓ |
| May 30 | 20830.0000✓ | 20830.0000✓ |
| May 29 | 20700.0000✓ | 20700.0000✓ |
| May 28 | 20700.0000✓ | 20700.0000✓ |
| May 27 | 20700.0000✓ | 20700.0000✓ |
| May 26 | 20650.0000✓ | 20650.0000✓ |
| May 25 | 20550.0000✓ | 20550.0000✓ |
| May 24 | 20565.0000✓ | 20565.0000✓ |
| May 23 | 20565.0000✓ | 20565.0000✓ |
| May 22 | 20550.0000✓ | 20550.0000✓ |
| May 21 | 20550.0000✓ | 20550.0000✓ |
| May 20 | 20600.0000✓ | 20600.0000✓ |
| May 19 | 20500.0000✓ | 20500.0000✓ |
| May 18 | 20500.0000✓ | 20500.0000✓ |
| May 17 | 20400.0000✓ | 20400.0000✓ |
| May 16 | 20450.0000✓ | 20450.0000✓ |
| May 15 | 20500.0000✓ | 20500.0000✓ |
| May 14 | 20500.0000✓ | 20500.0000✓ |
Frequently asked questions
Common questions about sending money from Germany to Indonesia
What is the cheapest way to send money from Germany to Indonesia?
The cheapest option changes daily based on exchange rates. Use our comparison table above to see today's rates from every provider. Specialist services like Wise, Remitly, and OFX consistently offer better value than banks.
How long does it take to send money from Germany to Indonesia?
Most specialist providers deliver to Indonesia within 1–2 business days. Some offer instant delivery for certain payment methods. Bank wires typically take 3–5 business days.
How much does it cost to send €1,000 from Germany to Indonesia?
Costs depend on the provider's fee and exchange rate markup. Compare all providers in our table above to see exactly how much IDR your recipient would receive from a €1,000 transfer today.
Can I send money from Germany to Indonesia online?
Yes, all the providers we compare support online transfers from Germany to Indonesia. Most also offer mobile apps. You can typically pay by bank transfer, debit card, or credit card.
Is it better to use a bank or a money transfer service to send money to Indonesia?
Money transfer services are almost always cheaper. Banks typically charge €25–50 per wire plus a 2–5% exchange rate markup. Specialist providers charge €0–10 with markups under 1%, saving you significantly on every transfer to Indonesia.
More for this corridor
Everything about sending money to Indonesia
Recipient requirements, delivery methods, regulations, popular banks, and more.
More transfers from Germany
Other routes to Indonesia
Popular corridors
Top provider reviews
Useful guides
Banking tools
How does your bank compare?
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