How to send money to Indonesia from Germany with the best EUR-IDR rate

A comparison of providers offering services between Germany and Indonesia is the easiest way to ensure the best deal.

For EUR/IDR

• Wise scored the highest of the 10 money transfer companies supporting EUR to IDR transfers. For example, sending 7,000 EUR to IDR will cost you €43.7 in fees, and you will receive 141,971,127 IDR. The delivery time usually is within minutes, but it depends on the day you make the transfer.

• Cheapest way to send money from Germany to Indonesia is with Taptap Send. This includes the fee of 0 EUR and a EUR-IDR exchange rate for international transfers that is 0.03% different to the mid-market rate.

• Fastest way to transfer money to Indonesia from Germany is via Revolut. For example, if you send 7,000 EUR with Revolut to Indonesia, the transfer time is within minutes

We've compared 10 providers that offer services for sending Euro to Indonesia.

This ensures you will get the best options for your transfer to Indonesia from Germany.

Whilst we rate Wise as the best overall, comparing gives you a comprehensive view of all the options for transferring money from Germany to Indonesia.

An exchange rate determines the price you will pay when buying Rupiah. A better exchange rate means more money reaching the recipient in Indonesia.

The current rate between the Euro and Rupiah is 20,400.3696.

The total cost of money transfers to Indonesia from Germany, is a combination of exchange rates and fees. Sending with a company that can offer a good competitive rate and low (or no) fees is the best way to get a good deal.

• The Mid-Market and Exchange Rates: The current mid-market for EUR-IDR is 20,400.3696 IDR per Euro.

• Fees: Some money transfers between Germany and Indonesia will be subject to fees. Taptap Send has a fee of 0 EUR based on a 7,000 EUR transfer. Although you should search for your send amount for actual fees as your scenario may be different.

• Amount Received: Money transfer companies will show you the amount of Rupiah eventually received in Indonesia.

Waiting a day or two can help you get more IDR for the same amount of Euros.

A better option is to use a forward contract can also allows you to lock in an agreed exchange rate between Germany and Indonesia.

Paying via bank transfer is the payment method that will get you the best price with a money transfer company. When sending money from Germany to Indonesia.

Here are the best options:

Bank transfers

A bank transfer is often the default option for money transfers from Germany to Indonesia.

By using a money transfer company such as OFX to send money from Germany to Indonesia, you can while benefit from lower fees and more favorable exchange rates than a bank would offer. 


Debit and prepaid cards

Sending money from Germany to Indonesia with a prepaid or debit card is very easy with Wise.


Wise is a great choice for sending money with a debit card from Germany to Indonesia. This is from the 10 money transfer companies compared.

Credit cards

When it comes to credit card transfers from Germany to Indonesia, we recommend comparing your options to get the best deal.

Regulations are important for keeping your money safe, Germany and Indonesia have different regulations to consider.

Our directory of worldwide financial regulators contains details on regulation for money transfers between Germany and Indonesia.

Companies offering money transfers between Germany and Indonesia have minimum or maximum thresholds on how much money you can send.

Rates and fees for different transfer amounts could change if you pass a threshold - that’s why it’s best to compare EUR-IDR rates for your specific transfer amount.

For regular transfers from Germany to Indonesia, shopping around each time can make a huge difference.

We’ve recommended Wise for sending EUR to Indonesia, because of their combination of rates and fees when sending from Germany to Indonesia that is the most competitive, even at larger amounts.

Check with the recipient and understand any declarations needed on large amounts of money entering Indonesia from Germany.

There are different ways to receive Rupiah in Indonesia. The most popular options are direct bank deposit, cash pickup, a mobile wallet or receiving money into a multi-currency account.

All providers work differently and not all offering transfers from Germany to Indonesia support every method for receiving Rupiah so it’s best to check ahead of time.

Sending directly to a bank account in Indonesia is one of the most common ways to receive money from Germany. For most part, this is convenient but does have receiving fees to potentially be aware of.

Wise is the best company for bank transfers between Germany and Indonesia.

Cash pickup is popular in Indonesia, but not always supported and can be costly compared to cheaper options.

Mobile wallet or P2P services and payment apps like PayPal, Zelle, and CashApp are popular because of convenience. They come with more limitations and higher costs compared to money transfer providers like Revolut, and are recommended for domestic payments only.

When sending Rupiah to Indonesia, you will need to verify your ID with your chosen money transfer company.

The documents you need will vary and in some cases you might need more than one.

For the most part, accepted IDs in Germany include government issued IDs such as passports or driver's licenses. If the recipient needs an ID to collect money in Indonesia, the options are similar.

Large transactions between Germany and Indonesia can be subject to additional checks such as proof of funds for anti-money laundering purposes. These won’t be needing when signing up, but will be need ahead of any transfer.

One of the reasons Wise has scored so highly for transfers to Indonesia is their easy sign up process in Germany.

When sending money between Germany and Indonesia there will be tax declarations to consider.

Some transfers into Rupiah may need to be reported to tax authorities in Indonesia and Germany, depending on size and particularly where inheritance or property purchases are involved.

Tax limits and personal allowances will change in Indonesia based on age, income and a few other elements - such as whether the funds are a gift. Tax law can be confusing, when in doubt, please contact a tax professional in Germany or Indonesia to discuss your personal circumstances to ensure you are not missing any specific tax declarations associated with your international money transfer.