Loading...
Send money from Switzerland to Indonesia(CHF → IDR)
CHF
IDR|Updated recentlyMid-market 21948.5115Cheapest todayof 4 providers
Wise
Rate 21834.3792 · Fee CHF5.20
You send
CHF1,000
Recipient gets
Rp21,720,840
Affiliate link · No extra cost to you
Quick answer: The cheapest way to send money from Switzerland to Indonesia in September 2026 is Wise, which delivers 21,720,840.46 IDR on a 1,000 CHF transfer with a fee of CHF5.20.
Last reviewed: by Awais Imran, Reviews Editor
What is the cheapest way to send CHF to IDR?
Sending CHF1,000 from Switzerland to Indonesia. Sorted by best value — most money received.
Source: SendMoneyCompare · Data updated every 6 hours from live provider APIs
#ProviderRateFeeRecipient gets
Rate 21834.3792·Fee CHF5.20·0.52% markup
Rate 21496.3722·Fee CHF20.60·2.06% markup
Rate 21316.3944·Fee CHF28.80·2.88% markup
Rate 21772.9234·Fee Free·0.80% markup
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
Sending money from Switzerland to Indonesia? Compare real-time exchange rates and fees across leading money transfer services. Find the provider that gives you the best IDR amount today.
Swiss expats and immigrants regularly send money to Indonesia. The cost difference between providers can be significant — banks typically charge 3–5% in hidden exchange rate markups, while specialist services like Wise, Remitly, and WorldRemit offer rates much closer to the mid-market rate. Our comparison shows the total IDR received from each provider after all fees and markups.
Which provider offers the best CHF to IDR rate?
Wise
4.3Exchange rate
21834.3792
Fee
CHF5.20
Recipient gets
Rp21,720,840.46
Speed
1-2 business days
Also available · Digital-asset rails
Crypto & stablecoin routes for CHF → 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
21,869,757 IDR
0.43% all-in
+
IndodaxBitcoin · Lightning
Kraken → Stellar (USDC) → Indodax · ~5 seconds
21,869,757 IDR
0.43% all-in
- 1Kraken CHF→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
WhatsApp Channel · Free
Get CHF → IDR alerts on WhatsApp
We track 60+ providers across 64 corridors every few hours. When the cheapest way to send changes, you get one short message — not a newsletter.
Only when it matters. A message when the cheapest provider on a major corridor actually changes — not a daily rate dump.
Your number stays private. Channels are one-way. We can't see your number, message you directly, or add you to a group.
No signup, no email. One tap to follow inside WhatsApp, one tap to unfollow. Nothing to fill in.
Free · one tap to follow · unfollow any time
Example alert
CHF → IDR · cheapest just changed
Sending 1,000 CHF 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/switzerland-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 Switzerland to Indonesia route.
Cheapest transfer
Wise
Delivers the most IDR for your money
Fastest transfer
Wise
Delivers in 1-2 business days
Cash pickup
WorldRemit
Widest cash pickup network
Bank transfer
Wise
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 CHF 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: CHF to IDR
See how much your recipient would get for common transfer amounts.
Send CHF500
ProviderFeeReceives
Wise
21834.38 · 1-2 business days
WorldRemit
21496.37 · 1-2 business days
Western Union
21316.39 · 1 business day
Regency FX
21772.92 · Same day to 2 business days
ProviderFeeRateReceivesSpeed
WiseCHF2.6021834.38Rp10,860,4201-2 business days
WorldRemitCHF10.3021496.37Rp10,526,7731-2 business days
Western UnionCHF14.4021316.39Rp10,351,2411 business day
Regency FXFree21772.92Rp10,886,462Same day to 2 business days
Send CHF1,000
ProviderFeeReceives
Wise
21834.38 · 1-2 business days
WorldRemit
21496.37 · 1-2 business days
Western Union
21316.39 · 1 business day
Regency FX
21772.92 · Same day to 2 business days
ProviderFeeRateReceivesSpeed
WiseCHF5.2021834.38Rp21,720,8401-2 business days
WorldRemitCHF20.6021496.37Rp21,053,5471-2 business days
Western UnionCHF28.8021316.39Rp20,702,4821 business day
Regency FXFree21772.92Rp21,772,923Same day to 2 business days
Send CHF5,000
ProviderFeeReceives
Wise
21834.38 · 1-2 business days
WorldRemit
21496.37 · 1-2 business days
Western Union
21316.39 · 1 business day
Regency FX
21772.92 · Same day to 2 business days
ProviderFeeRateReceivesSpeed
WiseCHF26.0021834.38Rp108,604,2021-2 business days
WorldRemitCHF103.0021496.37Rp105,267,7341-2 business days
Western UnionCHF144.0021316.39Rp103,512,4111 business day
Regency FXFree21772.92Rp108,864,617Same day to 2 business days
How much does it cost to send money from Switzerland to Indonesia?
Transfer fees from Switzerland to Indonesia vary by provider. Specialist services charge CHF0–10 per transfer, while banks charge CHF25–50 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 CHF0–CHF10 with specialist providers.
Exchange rate markup
The hidden cost — the difference between the provider's rate and the mid-market rate (21948.5115).
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.
Bank Transfer
Low costSpeed: 1–3 business days
Usually the cheapest option — lowest fees and no card processing charges
Debit Card
Medium costSpeed: Minutes to hours
Fast and convenient — small card processing fee applies
Credit Card
Higher costSpeed: Minutes to hours
Fastest option but highest fees — card issuer may charge cash advance fee
Apple Pay
Medium costSpeed: Minutes to hours
Convenient mobile payment — linked card fees apply
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 from Switzerland 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.
Standard delivery
- Wise1-2 business days
- WorldRemit1-2 business days
- Western Union1 business day
- Regency FXSame day to 2 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
Frequently asked questions
Common questions about sending money from Switzerland to Indonesia
What is the cheapest way to send money from Switzerland 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 Switzerland 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 CHF1,000 from Switzerland 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 CHF1,000 transfer today.
Can I send money from Switzerland to Indonesia online?
Yes, all the providers we compare support online transfers from Switzerland 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 CHF25–50 per wire plus a 2–5% exchange rate markup. Specialist providers charge CHF0–10 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 Switzerland
Other routes to Indonesia
Popular corridors
Top provider reviews
Useful guides
Banking tools
How does your bank compare?
Compare all providers for Switzerland to Indonesia
Enter your exact amount to see personalised quotes from every provider on this route.
Compare providers now