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Send money to Indonesia
USD
IDR|Updated recentlyMid-market 17756.0943Cheapest todayof 13 providers
TapTap Send
Rate 17699.2748 · Fee free
You send
$1,000
Recipient gets
Rp17,699,275
Rp85,200 more than the most expensive provider · 0.32% markup vs mid-market
Affiliate link · No extra cost to you
Quick answer: The cheapest way to send money to Indonesia in May 2026 is TapTap Send, which delivers 17,699,274.77 IDR on a 1,000 USD transfer with a fee of zero and an exchange rate of 17699.2748. According to SendMoneyCompare's comparison of 13 providers updated every 6 hours, the difference between the cheapest and most expensive provider on this corridor is 85,229 IDR.
Last reviewed: by Awais Imran, Reviews Editor
↑
Rates are great right now
100th percentile
Based on 55 days of data (2026-03-18 to 2026-05-20)
Today's best
Rp1,770,000
TapTap Send
55-day avg
1 USD = 17188.17 IDR
Best rate
17700.00
2026-05-20 · TapTap Send
Worst rate
16668.47
2026-03-28 · Ria Money Transfer
What is the cheapest way to send USD to IDR?
Sending $1,000 from to Indonesia. Sorted by best value — most money received.
Source: SendMoneyCompare · Data updated every 6 hours from live provider APIs
#ProviderRateFeeRecipient gets
Rate 17699.2748·Fee Free·0.32% markup
Best rate 49 of 55 days
↑ 5.4% over 54dAvg: 17201.11 IDR (+2.9% vs avg)Range: 16750.00–17700.00
1
TapTap SendBest value
Under 3 minutes (95% of transfers)0.32% markup
Best rate 49 of 55 days
↑ 5.4% over 54dAvg: 17201.11 IDR (+2.9% vs avg)Range: 16750.00–17700.00
17699.2748
Free
Rp17,699,274.77
Rate 17747.2162·Fee $7.48·0.05% markup
↑ 4.7% over 55dAvg: 17234.86 IDR (+3.0% vs avg)Range: 16937.00–17748.00
2
17747.2162
$7.48
Rp17,614,467.04
Rate 17589.1870·Fee $1.99·0.94% markup
↑ 4.2% over 55dAvg: 17090.62 IDR (+2.8% vs avg)Range: 16855.78–17569.53
3
Minutes to 3-5 days0.94% markup
↑ 4.2% over 55dAvg: 17090.62 IDR (+2.8% vs avg)Range: 16855.78–17569.53
17589.1870
$1.99
Rp17,554,184.50
Rate 17523.4894·Fee Free·1.31% markup
↑ 3.7% over 45dAvg: 17060.76 IDR (+2.7% vs avg)Range: 16771.69–17541.73
4
1-3 business days1.31% markup
↑ 3.7% over 45dAvg: 17060.76 IDR (+2.7% vs avg)Range: 16771.69–17541.73
17523.4894
Free
Rp17,523,489.43
Rate 17530.5919·Fee $0.99·1.27% markup
↑ 4.6% over 54dAvg: 17053.04 IDR (+2.8% vs avg)Range: 16765.13–17573.20
5
Minutes to 3 days1.27% markup
↑ 4.6% over 54dAvg: 17053.04 IDR (+2.8% vs avg)Range: 16765.13–17573.20
17530.5919
$0.99
Rp17,513,236.58
Rate 17463.1187·Fee $1.99·1.65% markup
↑ 4.8% over 50dAvg: 16910.08 IDR (+3.3% vs avg)Range: 16655.02–17463.12
6
Minutes to 3 days1.65% markup
↑ 4.8% over 50dAvg: 16910.08 IDR (+3.3% vs avg)Range: 16655.02–17463.12
17463.1187
$1.99
Rp17,428,367.11
Rate 17273.1285·Fee Free·2.72% markup
↑ 4.3% over 55dAvg: 16829.45 IDR (+2.6% vs avg)Range: 16493.13–17296.71
7
Minutes to 3 days2.72% markup
↑ 4.3% over 55dAvg: 16829.45 IDR (+2.6% vs avg)Range: 16493.13–17296.71
17273.1285
Free
Rp17,273,128.50
Rate 17145.2846·Fee Free·3.44% markup
↑ 5.2% over 50dAvg: 16558.40 IDR (+3.5% vs avg)Range: 16296.12–17145.22
8
2-5 business days3.44% markup
↑ 5.2% over 50dAvg: 16558.40 IDR (+3.5% vs avg)Range: 16296.12–17145.22
17145.2846
Free
Rp17,145,284.62
Rate 17661.9870·Fee $30.18·0.53% markup
Rate 17038.7481·Fee Free·4.04% markup
Most stable rate
↑ 2.2% over 54dAvg: 16716.52 IDR (+1.9% vs avg)Range: 16668.47–17039.18
10
Minutes to 2 days4.04% markup
Most stable rate
↑ 2.2% over 54dAvg: 16716.52 IDR (+1.9% vs avg)Range: 16668.47–17039.18
17038.7481
Free
Rp17,038,748.06
Rate 17646.0065·Fee $35.98·0.62% markup
Rate 17042.2993·Fee $5.00·4.02% markup
Rate 17614.0455·Fee Free·0.80% markup
Potential savings: Choosing the best provider over the most expensive saves your recipient Rp85,229.26 on a $1,000 transfer.
Some links on this page are affiliate links. We may earn a commission at no extra cost to you. This does not affect our rankings, which are based on real transfer data. Editorial policy
Indonesia receives over $14 billion in remittances annually, mainly from Indonesian workers in Malaysia, Saudi Arabia, Taiwan, Hong Kong, and South Korea. With a population of 275 million and a booming digital economy, GoPay, OVO, Dana, and ShopeePay have transformed everyday payments — and Bank Indonesia's BI-FAST instant interbank transfer system now settles in real time, 24/7.
- BI-FAST (launched 2021) is Bank Indonesia's real-time gross settlement system that allows transfers between any Indonesian bank within seconds, 24/7, for a flat fee of IDR 2,500 (~$0.15).
- GoPay, OVO, Dana, and ShopeePay are the leading mobile wallets. While direct international inbound delivery is limited, bank deposit via BI-FAST then wallet top-up takes seconds.
- Bank Indonesia caps the IDR depreciation it allows — the IDR is a managed float. Specialist providers offer rates 1–3% better than Indonesian banks on inbound transfers.
- Popular banks: BCA (Bank Central Asia), BNI, BRI (Bank Rakyat Indonesia), Bank Mandiri, and CIMB Niaga all process inbound SWIFT transfers efficiently.
- No Indonesian income tax applies to personal remittances received by Indonesian residents.
Which provider offers the best USD to IDR rate?
TapTap Send
4.7Exchange rate
17699.2748
Fee
Free
Recipient gets
Rp17,699,274.77
Speed
Under 3 minutes (95% of transfers)
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 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
Remitly
Widest cash pickup network
Bank transfer
TapTap Send
Best rate for bank deposit to Indonesia
How to send money to Indonesia
Sending money to Indonesia is straightforward with the right provider. Here's how it works in 3 simple steps.
Step 1
Enter your transfer details
Choose how much USD 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. Most providers verify details instantly.
Step 3
Send & track your transfer
Pay using bank transfer, debit card, or credit card. Track your money in real-time until it arrives — bank deposit typically takes 1–2 business days.
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: USD to IDR
See how much your recipient would get for common transfer amounts.
Send $500
ProviderFeeReceives
TapTap Send
17699.27 · Under 3 minutes (95% of transfers)
Wise
17747.22 · Instant
InstaReM
17523.49 · 1-3 business days
Remitly
17589.19 · Minutes to 3-5 days
MoneyGram
17530.59 · Minutes to 3 days
WorldRemit
17463.12 · Minutes to 3 days
ProviderFeeRateReceivesSpeed
TapTap SendFree17699.27Rp8,849,637Under 3 minutes (95% of transfers)
Wise$1.8617747.22Rp8,840,598Instant
InstaReMFree17523.49Rp8,761,7451-3 business days
Remitly$1.9917589.19Rp8,759,591Minutes to 3-5 days
MoneyGram$0.9917530.59Rp8,747,941Minutes to 3 days
WorldRemit$1.9917463.12Rp8,696,808Minutes to 3 days
Send $1,000
ProviderFeeReceives
TapTap Send
17699.27 · Under 3 minutes (95% of transfers)
Wise
17747.22 · Instant
Remitly
17589.19 · Minutes to 3-5 days
InstaReM
17523.49 · 1-3 business days
MoneyGram
17530.59 · Minutes to 3 days
WorldRemit
17463.12 · Minutes to 3 days
ProviderFeeRateReceivesSpeed
TapTap SendFree17699.27Rp17,699,275Under 3 minutes (95% of transfers)
Wise$7.4817747.22Rp17,614,467Instant
Remitly$1.9917589.19Rp17,554,185Minutes to 3-5 days
InstaReMFree17523.49Rp17,523,4891-3 business days
MoneyGram$0.9917530.59Rp17,513,237Minutes to 3 days
WorldRemit$1.9917463.12Rp17,428,367Minutes to 3 days
Send $5,000
ProviderFeeReceives
TapTap Send
17699.27 · Under 3 minutes (95% of transfers)
Wise
17768.52 · Instant to 2 days
XE
17661.99 · 1-4 business days
InstaReM
17523.49 · 1-3 business days
CurrencyFair
17646.01 · 1-2 business days
Remitly
17594.51 · Minutes to 3-5 days
ProviderFeeRateReceivesSpeed
TapTap SendFree17699.27Rp88,496,374Under 3 minutes (95% of transfers)
Wise$23.6217768.52Rp88,422,925Instant to 2 days
XE$30.1817661.99Rp87,776,8961-4 business days
InstaReMFree17523.49Rp87,617,4471-3 business days
CurrencyFair$35.9817646.01Rp87,595,1291-2 business days
Remitly$49.5017594.51Rp87,101,641Minutes to 3-5 days
How much does it cost to send money from to Indonesia?
Transfer fees to Indonesia vary by provider and how you pay. Specialist services charge Rp0–10 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.
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 (17756.0943).
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?
Your recipient in Indonesia can receive money through these delivery methods. The best option depends on their location and preferences.
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 to Indonesia arrive within 1–2 business days with specialist providers. Mobile wallet and cash pickup options are often available within minutes. Bank deposits typically take 1–3 business days.
FastExpress delivery
- TapTap SendUnder 3 minutes (95% of transfers)
- WiseInstant
- RemitlyMinutes to 3-5 days
- MoneyGramMinutes to 3 days
- WorldRemitMinutes to 3 days
Standard delivery
- InstaReM1-3 business days
- Bank of America2-5 business days
- XE1-4 business days
- CurrencyFair1-2 business days
- OFX2 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
USD to IDR Exchange Rate History
Daily best exchange rates from top providers over the last 55 days. Rates shown are for sending $100.
| Date | Wise | Xoom (PayPal) | Remitly | __mid Market__ | MoneyGram |
|---|---|---|---|---|---|
| Trend | |||||
| May 20 | 17748.0000✓ | 17272.8043 | 17569.5277 | 17569.5277 | 17531.3763 |
| May 19 | 17702.0000✓ | 17296.7116 | 17540.1058 | 17540.1058 | 17573.2021 |
| May 18 | 17657.5000✓ | 17243.7740 | 17388.2385 | 17388.2385 | 17435.9528 |
| May 17 | 17592.0000✓ | 17170.8322 | 17355.2400 | 17355.2400 | 17376.1950 |
| May 16 | 17592.0000✓ | 17170.8322 | 17355.2400 | 17355.2400 | 17363.2459 |
| May 15 | 17613.0000✓ | 17104.9651 | 17364.1133 | 17364.1133 | 17353.8112 |
| May 14 | 17530.0000✓ | 17104.9651 | 17337.4296 | 17337.4296 | 17265.1306 |
| May 13 | 17536.5000✓ | 17057.6383 | 17402.9209 | 17402.9209 | 17336.4128 |
| May 12 | 17495.0000✓ | 17089.8400 | 17346.7101 | 17346.7101 | 17259.4085 |
| May 11 | 17409.5000✓ | 16996.6502 | 17301.5680 | 17301.5680 | 17203.6536 |
| May 10 | 17370.0000✓ | 16961.5211 | 17255.8400 | 17255.8400 | 17169.5517 |
| May 9 | 17370.0000✓ | 16961.5211 | 17255.8400 | 17255.8400 | 17205.9806 |
| May 8 | 17364.5000✓ | 16962.7408 | 17250.8521 | 17250.8521 | 17219.6085 |
| May 7 | 17337.5000✓ | 16942.7367 | 17300.1567 | 17300.1567 | 17215.6686 |
| May 6 | 17381.0000✓ | 16984.9405 | 17293.1046 | 17293.1046 | 17145.4429 |
| May 5 | 17412.5000✓ | 17011.0434 | 17250.4063 | 17250.4063 | 17170.0050 |
| May 4 | 17329.0000✓ | 16955.1783 | 16901.8300 | 16901.8300 | — |
| May 3 | 17334.0000✓ | 16917.1217 | 17201.1700 | 17201.1700 | 17105.2733 |
| May 2 | 17334.0000✓ | 16917.1217 | 17201.1700 | 17201.1700 | 17162.6855 |
| May 1 | 17301.0000✓ | 16916.6338 | 17188.9497 | 17188.9497 | 17119.9923 |
| Apr 30 | 17367.5000✓ | 16959.8134 | 17210.0800 | 17210.0800 | 17151.0824 |
| Apr 29 | 17288.5000✓ | 16909.5592 | 17143.9264 | 17143.9264 | 17058.3704 |
| Apr 28 | 17219.0000✓ | 16828.3231 | 17096.2775 | 17096.2775 | 17033.2263 |
| Apr 27 | 17203.5000✓ | 16818.8089 | 17046.2348 | 17046.2348 | 17062.3885 |
| Apr 26 | 17253.0000✓ | 16811.7343 | 17086.8600 | 17086.8600 | 17111.4825 |
| Apr 25 | 17253.0000✓ | 16811.7343 | 17086.8600 | 17086.8600 | 17131.2413 |
| Apr 24 | 17282.5000✓ | 16870.7708 | 17147.5398 | 17147.5398 | 17111.2296 |
| Apr 23 | 17222.0000✓ | 16885.8958 | 17071.9356 | 17071.9356 | 17025.1275 |
| Apr 22 | 17151.0000✓ | 16766.6031 | 17049.0877 | 17049.0877 | 16989.6864 |
| Apr 21 | 17115.0000✓ | 16723.9115 | 17047.0695 | 17047.0695 | 16955.4982 |
| Apr 20 | 17147.0000✓ | 16761.9680 | 17080.4070 | 17080.4070 | 17012.9286 |
| Apr 19 | 17140.0000✓ | 16770.9943 | 17076.9200 | 17076.9200 | 17008.9592 |
| Apr 18 | 17140.0000✓ | 16770.9943 | 17076.9200 | 17076.9200 | 16982.1800 |
| Apr 17 | 17156.0000✓ | 16744.4035 | 17041.6273 | 17041.6273 | 16969.3733 |
| Apr 16 | 17136.5000✓ | 16724.3994 | 16901.8300 | 16901.8300 | 16964.9077 |
| Apr 15 | 17119.0000✓ | 16725.8631 | 16901.8300 | 16901.8300 | 16952.0136 |
| Apr 14 | 17125.0000✓ | 16716.1050 | 16901.8300 | 16901.8300 | 16865.7551 |
| Apr 13 | 17111.5000✓ | 16702.4436 | 16901.8300 | 16901.8300 | 16948.1856 |
| Apr 12 | 17089.0000✓ | 16683.4154 | 16901.8300 | 16901.8300 | 16929.3631 |
| Apr 11 | 17089.0000✓ | 16683.4154 | 16901.8300 | 16901.8300 | 16929.4525 |
| Apr 10 | 17077.0000✓ | 16695.8569 | 16901.8300 | 16901.8300 | 16881.1174 |
| Apr 9 | 17022.0000✓ | 16599.4957 | 16901.8300 | 16901.8300 | 16847.1690 |
| Apr 8 | 17022.5000✓ | 16685.8549 | 16901.8300 | 16901.8300 | 16885.4125 |
| Apr 7 | 17042.0000✓ | 16622.6712 | 16905.9388 | 16905.9388 | 16874.6956 |
| Apr 6 | 17023.5000✓ | 16626.8184 | 16905.4422 | 16905.4422 | 16874.1999 |
| Apr 5 | 16992.0000✓ | 16569.2456 | 16877.6307 | 16877.6307 | 16839.5114 |
| Apr 4 | 16992.0000✓ | 16569.2456 | 16877.6307 | 16877.6307 | 16839.5114 |
| Apr 3 | 17002.0000✓ | 16587.0542 | 16888.5566 | 16888.5566 | 16842.2963 |
| Apr 2 | 16983.0000✓ | 16570.7094 | 16874.6509 | 16874.6509 | 16828.4286 |
| Apr 1 | 16937.0000✓ | 16589.7376 | 16881.1236 | 16881.1236 | 16813.8353 |
| Mar 31 | 16942.0000✓ | 16584.6146 | 16890.0539 | 16890.0539 | 16795.9572 |
| Mar 30 | 16972.0000✓ | 16584.1267 | 16855.7783 | 16855.7783 | 16773.2921 |
| Mar 29 | 16966.3000✓ | 16561.6831 | 16859.5318 | 16859.5318 | 16766.6037 |
| Mar 28 | 16973.0000✓ | 16493.1325 | 16864.6978 | 16864.6978 | 16831.7837 |
| Mar 18 | 16954.0000✓ | 16568.9399 | 16864.3965 | 16954.0000✓ | 16765.1336 |
Common questions about sending money from to Indonesia
What is the cheapest way to send money to Indonesia?
Wise and Remitly are typically the cheapest for USD-to-IDR and EUR-to-IDR transfers. For transfers from Malaysia, platforms like BigPay and Touch 'n Go Ewallet partner with remittance companies that offer competitive MYR-to-IDR rates. Always compare total IDR received — the exchange rate markup is usually the biggest cost.
How long does a transfer to Indonesia take?
Specialist providers typically deliver to Indonesian bank accounts within 1 business day via SWIFT then BI-FAST. Wise often settles within a few hours. Once funds are in any Indonesian bank, BI-FAST can move them to BCA, Mandiri, BNI, or any other bank in real time. Cash pickup through Western Union agents is available within minutes.
What bank details do I need to transfer money to Indonesia?
You need the recipient's account number, bank name, and SWIFT code. Common SWIFT codes: BCA (CENAIDJA), Bank Mandiri (BMRIIDJA), BNI (BNINIDJA), BRI (BRINIDJA), CIMB Niaga (BNIAIDJA). Indonesia does not use IBAN. Account numbers are typically 10 digits for most banks.
Can I send money directly to GoPay or OVO in Indonesia?
Direct international transfer to GoPay or OVO is not yet supported by most international providers. The practical workaround is fast: send to the recipient's BCA or Mandiri account, then they transfer to their GoPay/OVO wallet via their banking app in real time via BI-FAST. The total process from international transfer to wallet balance can take under 24 hours.
Are there transfer limits for sending money to Indonesia?
Bank Indonesia does not cap inbound personal remittances. Providers have individual limits: Wise up to $1M, Remitly up to $10,000/day for standard accounts. Indonesian customs (Bea Cukai) monitors transfers over IDR 100 million (~$6,500) as part of anti-money laundering compliance, but this is routine reporting, not a barrier to receiving funds.
Send money to Indonesia from these countries
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