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

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

Here are your top options for sending money from Indonesia to Germany

• Wise is our recommended company for IDR to EUR transfers. For example, sending 4,200,000 IDR to EUR will cost you Rp50281 in fees, and you will receive 203.32 EUR. The delivery time usually is within minutes, but it depends on the day you make the transfer.

• Sling Money offers a combination of the lowest fees and best exchange rates - making it the cheapest transfer service for sending Rupiah to Germany. It is 0% cheaper than the second-best option. The is cost is made up of IDR-EUR exchange rate that is 200% different to the mid-market rate and the a of 42000 IDR.

• Fastest way to transfer money to Germany from Indonesia is with Wise. For sending Rp4,200,000 with Wise to Germany now, the transfer time is within minutes.

We've compared 6 providers that offer services for sending Rupiah to Germany.

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

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

The current rate between the Rupiah and Euro is 0. With the IDR-EUR exchange rate changing almost constantly, it pays to know the averages to get a better deal.

The total cost of sending money to Germany from Indonesia, is made-up of a combination of fees and exchange rates. Sending with a company that can offer a good deal on both ensures a good deal on your transfer.

• The Mid-Market and Exchange Rates: Currently, the mid-market for IDR-EUR is 0 EUR per Rupiah.

• Fees: Transfer fees may have to be paid alongside the transfer, either as a set fee or a percentage of the transfer. Sling Money, cahrges 42000 IDR per transfer, which is currently the cheapest option. Although you should search for your send amount for actual fees.

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

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

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

Here are all the ways to send money from Indonesia to Germany:

Bank transfers

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

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


Debit and prepaid cards

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


Western Union Agent is a great choice for sending money with a debit card from Indonesia to Germany. This is from the 6 money transfer companies compared.

Credit cards

When it comes to credit card money transfers from Indonesia to Germany there aren't that many options, mainly because it's more expensive.

If you have to, we recommend running a quick comparison to get the best deal on EUR

Companies offering money transfers between Indonesia and Germany 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 IDR-EUR rates for your specific transfer amount.

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

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

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

There are different ways to receive Euro in Germany. 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 Indonesia to Germany support every method for receiving Euro so it’s best to check ahead of time.

Sending directly to a bank account in Germany is one of the most common ways to receive money from Indonesia. 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 Indonesia and Germany.

Cash pickup is popular in Germany, 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 Wise, and are recommended for domestic payments only.

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

Large transactions between Indonesia and Germany 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 Germany is their easy sign up process in Indonesia.

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

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

Tax limits and personal allowances will change in Germany 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 Indonesia or Germany to discuss your personal circumstances to ensure you are not missing any specific tax declarations associated with your international money transfer.