How to send money to Indonesia from the UAE with the best AED-IDR rate

Regency FX is the cheapest way to send money from the United Arab Emirates to Indonesia. Sending 25,000 AED will get you 122,511,898.25 IDR at 4,900.4759 IDR per AED.

We’ve compared 5 services and apps below in more detail.

Best companies for AED/IDR transfers

5 of 5 providers

Last updated on 10 November 2026

Based on 25,000 AED transfer

Best companies for AED/IDR transfers

Sort Cheapest
Promoted

Wise

Pay via Bank transfer
Fee AED 212.01 1 AED = 4914.1700 IDR -0.01% vs mid-market Recipient gets Rp 121,812,397.00 Within minutes
Multi-currency cardReceive to bank accountDedicated support for large transfers

Ways to receive money in Indonesia with Wise when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositWithin minutesAvailable via:Bank Transfer
AED 212.011 AED = 4914.1700 IDR
Rp 121,812,397.00You payAED 25,000.00
Promoted

Regency FX

Pay via Bank transfer
Fee AED 0.00 1 AED = 4900.4759 IDR +0.27% vs mid-market Recipient gets Rp 122,511,898.25 Minutes - 24 hours
Personal account managerReceive to bank accountProfessional, personal service

Ways to receive money in Indonesia with Regency FX when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 AED = 4900.4759 IDR
Rp 122,511,898.25You payAED 25,000.00

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Regency FX

Pay via Bank transfer
Fee AED 0.00 1 AED = 4900.4759 IDR +0.27% vs mid-market Recipient gets Rp 122,511,898.25 Minutes - 24 hours
Cheapest
Personal account managerReceive to bank accountProfessional, personal service

Ways to receive money in Indonesia with Regency FX when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 AED = 4900.4759 IDR
Rp 122,511,898.25You payAED 25,000.00

TapTap Send

Pay via Debit card
Fee AED 0.00 1 AED = 4900.0000 IDR +0.28% vs mid-market Recipient gets Rp 122,500,000.00 Minutes
Receive to bank account

Ways to receive money in Indonesia with TapTap Send when paying by debit card.

MethodFee & ratesRecipient gets
Bank depositMinutes
Free1 AED = 4900.0000 IDR
Rp 122,500,000.00You payAED 25,000.00
Mobile walletMinutesAvailable via:DANA, GoPay, LinkAja, OVO, ShopeePay
Free1 AED = 4900.0000 IDR
Rp 122,500,000.00You payAED 25,000.00

OFX

Pay via Bank transfer
Fee AED 0.00 1 AED = 4889.1743 IDR +0.50% vs mid-market Recipient gets Rp 122,229,358.02 Minutes - 24 hours
Personal account managerReceive to bank account

Ways to receive money in Indonesia with OFX when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 AED = 4889.1743 IDR
Rp 122,229,358.02You payAED 25,000.00

Wise

Pay via Bank transfer
Fee AED 212.01 1 AED = 4914.1700 IDR -0.01% vs mid-market Recipient gets Rp 121,812,397.00 Within minutes
FastestOur top pick
Multi-currency cardReceive to bank accountDedicated support for large transfers

Ways to receive money in Indonesia with Wise when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositWithin minutesAvailable via:Bank Transfer
AED 212.011 AED = 4914.1700 IDR
Rp 121,812,397.00You payAED 25,000.00

CurrencyFair

Pay via Bank transfer
Fee AED 4.07 1 AED = 4872.7800 IDR +0.84% vs mid-market Recipient gets Rp 121,799,500.00 Minutes - 24 hours
Receive to bank account

Ways to receive money in Indonesia with CurrencyFair when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
AED 4.071 AED = 4872.7800 IDR
Rp 121,799,500.00You payAED 25,000.00
How Our Results Work
Mid-market rate: 1 AED = 4913.7430 IDR Updates every 60 minutes.

How to send money from UAE to Indonesia

Pick a company

Start with the cheapest, which is Regency FX at 122,511,898.25 IDR on AED 25,000.

Regency FX was the cheapest on 15 of the 26 days it quoted AED25,000 transfers to Indonesia.

Fund your transfer

You have 2 ways to pay, including bank transfer and debit card.

Cash at an exchange house counter works, and so does the salary card your wages land on.

Verify and send

You'll need your Emirates ID every time, not just the first.

Registering takes a few minutes with a UAE number. Once it's done, repeat transfers to the same person take seconds.

Compare amounts

How much AED are you sending to Indonesia?

How much AED you send to Indonesia heavily affects the best ways and the cheapest options. Use the table below to check how the cheapest options change and how much more you'd get by comparing.

Our analysis shows Regency FX was the cheapest in 61% of the transfers from AED 25,000 it quoted, and in 61% of all the transfers it quoted.

Cheapest service
AED 3,500-1.22%AED 0.00Rp 17,411,170.00with debit card to bank deposit+Rp 240,499.58
AED 7,500-0.30%AED 0.00Rp 36,968,250.00with debit card to bank deposit+Rp 270,769.98
AED 25,000This page0.27%AED 0.00Rp 122,511,898.25with bank transfer to bank deposit+Rp 341,267.60
AED 50,0000.27%AED 0.00Rp 245,057,375.13with bank transfer to bank deposit+Rp 1,217,229.90
AED 200,0000.25%AED 0.00Rp 980,404,488.09with bank transfer to bank deposit+Rp 4,939,640.74
AED 250,0000.25%AED 0.00Rp 1,225,994,713.55with bank transfer to bank deposit+Rp 3,727,995.82
AED 350,0000.25%AED 0.00Rp 1,715,510,537.44with bank transfer to bank deposit+Rp 4,735,315.29
AED 1,000,0000.20%AED 0.00Rp 4,906,979,983.78with bank transfer to bank deposit+Rp 27,965,429.16

Mid-market rate: 1 AED = 4913.7430 IDR

AED/IDR Exchange Rate History

Is today a good time to send money from UAE to Indonesia?

The cheapest way to send AED to IDR can change every day, or stay with the same company all month.

We've compared the mid-market rate with the cheapest option each day (today it's Regency FX), across 30 days of comparisons for 25,000 AED transfers to Indonesia.

IDR received for AED 25,000, after fees

Tue, 10 Nov 2026Mid-market rateRp 122,843,575.90 Regency FX Rp 122,511,898.25Regency FXRp 122,511,898.25TapTap SendRp 122,500,000.00OFXRp 122,229,358.02

121.0M
121.5M
122.0M
122.5M
123.0M
123.5M
124.0M
At the mid-market rateWith the cheapest optionRegency FXTapTap SendOFX
Exchange rateFeeRecipient getsDifference
Mid-market rate 4877.4796 – Rp 121,936,990.00
Regency FX Cheapest 4864.3104 AED 0.00 Rp 121,607,760.13 −Rp 329,229.87
TapTap Send 4860.0000 AED 0.00 Rp 121,500,000.00 −Rp 436,990.00
OFX 4853.0922 AED 0.00 Rp 121,327,305.05 −Rp 609,684.95
Exchange rateFeeRecipient getsDifference
Mid-market rate 4871.3827 – Rp 121,784,567.18
TapTap Send Cheapest 4860.0000 AED 0.00 Rp 121,500,000.00 −Rp 284,567.18
Regency FX 4858.2300 AED 0.00 Rp 121,455,748.84 −Rp 328,818.34
OFX 4847.0258 AED 0.00 Rp 121,175,644.34 −Rp 608,922.84
Exchange rateFeeRecipient getsDifference
Mid-market rate – – –
TapTap Send Cheapest 4860.0000 AED 0.00 Rp 121,500,000.00 –
Regency FX No quote collected this day – – – –
OFX No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 4886.0437 – Rp 122,151,093.03
Regency FX Cheapest 4872.8514 AED 0.00 Rp 121,821,285.07 −Rp 329,807.96
OFX 4861.6135 AED 0.00 Rp 121,540,337.56 −Rp 610,755.47
TapTap Send No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate – – –
TapTap Send Cheapest 4900.0000 AED 0.00 Rp 122,500,000.00 –
Regency FX No quote collected this day – – – –
OFX No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 4915.7193 – Rp 122,892,982.93
Regency FX Cheapest 4902.4469 AED 0.00 Rp 122,561,171.87 −Rp 331,811.05
TapTap Send 4900.0000 AED 0.00 Rp 122,500,000.00 −Rp 392,982.92
OFX 4891.1407 AED 0.00 Rp 122,278,518.01 −Rp 614,464.91
Exchange rateFeeRecipient getsDifference
Mid-market rate 4915.7193 – Rp 122,892,982.93
Regency FX Cheapest 4902.4469 AED 0.00 Rp 122,561,171.87 −Rp 331,811.05
TapTap Send 4900.0000 AED 0.00 Rp 122,500,000.00 −Rp 392,982.92
OFX 4891.1407 AED 0.00 Rp 122,278,518.01 −Rp 614,464.91
Exchange rateFeeRecipient getsDifference
Mid-market rate – – –
TapTap Send Cheapest 4900.0000 AED 0.00 Rp 122,500,000.00 –
Regency FX No quote collected this day – – – –
OFX No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 4894.9140 – Rp 122,372,849.10
TapTap Send Cheapest 4900.0000 AED 0.00 Rp 122,500,000.00 +Rp 127,150.90
Regency FX 4881.6977 AED 0.00 Rp 122,042,442.41 −Rp 330,406.69
OFX 4870.4394 AED 0.00 Rp 121,760,984.85 −Rp 611,864.25
Exchange rateFeeRecipient getsDifference
Mid-market rate 4901.6730 – Rp 122,541,824.90
TapTap Send Cheapest 4900.0000 AED 0.00 Rp 122,500,000.00 −Rp 41,824.90
Regency FX 4888.4385 AED 0.00 Rp 122,210,961.97 −Rp 330,862.93
OFX 4877.1646 AED 0.00 Rp 121,929,115.78 −Rp 612,709.12
Exchange rateFeeRecipient getsDifference
Mid-market rate 4918.1460 – Rp 122,953,650.58
Regency FX Cheapest 4904.8670 AED 0.00 Rp 122,621,675.72 −Rp 331,974.86
TapTap Send 4900.0000 AED 0.00 Rp 122,500,000.00 −Rp 453,650.58
OFX 4893.5553 AED 0.00 Rp 122,338,882.32 −Rp 614,768.26
Exchange rateFeeRecipient getsDifference
Mid-market rate 4922.2847 – Rp 123,057,118.55
Regency FX Cheapest 4908.9946 AED 0.00 Rp 122,724,864.33 −Rp 332,254.22
TapTap Send 4900.0000 AED 0.00 Rp 122,500,000.00 −Rp 557,118.55
OFX 4897.6733 AED 0.00 Rp 122,441,832.96 −Rp 615,285.59
Exchange rateFeeRecipient getsDifference
Mid-market rate 4926.8425 – Rp 123,171,062.93
Regency FX Cheapest 4913.5400 AED 0.00 Rp 122,838,501.06 −Rp 332,561.86
OFX 4902.2083 AED 0.00 Rp 122,555,207.61 −Rp 615,855.31
TapTap Send 4900.0000 AED 0.00 Rp 122,500,000.00 −Rp 671,062.92
Exchange rateFeeRecipient getsDifference
Mid-market rate 4926.8425 – Rp 123,171,062.93
Regency FX Cheapest 4913.5400 AED 0.00 Rp 122,838,501.06 −Rp 332,561.86
OFX 4902.2083 AED 0.00 Rp 122,555,207.61 −Rp 615,855.31
TapTap Send No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 4934.5134 – Rp 123,362,834.00
Regency FX Cheapest 4921.1902 AED 0.00 Rp 123,029,754.35 −Rp 333,079.65
OFX 4909.8408 AED 0.00 Rp 122,746,019.83 −Rp 616,814.17
TapTap Send 4900.0000 AED 0.00 Rp 122,500,000.00 −Rp 862,834.00
Exchange rateFeeRecipient getsDifference
Mid-market rate 4943.3460 – Rp 123,583,650.25
TapTap Send Cheapest 4950.0000 AED 0.00 Rp 123,750,000.00 +Rp 166,349.75
Regency FX 4929.9990 AED 0.00 Rp 123,249,974.39 −Rp 333,675.86
OFX 4918.6293 AED 0.00 Rp 122,965,732.00 −Rp 617,918.25
Exchange rateFeeRecipient getsDifference
Mid-market rate 4951.1223 – Rp 123,778,058.50
TapTap Send Cheapest 4950.0000 AED 0.00 Rp 123,750,000.00 −Rp 28,058.50
Regency FX 4937.7543 AED 0.00 Rp 123,443,857.74 −Rp 334,200.76
OFX 4926.3667 AED 0.00 Rp 123,159,168.21 −Rp 618,890.29
Exchange rateFeeRecipient getsDifference
Mid-market rate 4941.0439 – Rp 123,526,097.75
TapTap Send Cheapest 4950.0000 AED 0.00 Rp 123,750,000.00 +Rp 223,902.25
Regency FX 4927.7031 AED 0.00 Rp 123,192,577.29 −Rp 333,520.46
OFX 4916.3387 AED 0.00 Rp 122,908,467.26 −Rp 617,630.49
Exchange rateFeeRecipient getsDifference
Mid-market rate 4947.5812 – Rp 123,689,529.27
TapTap Send Cheapest 4950.0000 AED 0.00 Rp 123,750,000.00 +Rp 60,470.73
Regency FX 4934.2227 AED 0.00 Rp 123,355,567.55 −Rp 333,961.72
OFX 4922.8433 AED 0.00 Rp 123,071,081.63 −Rp 618,447.64
Exchange rateFeeRecipient getsDifference
Mid-market rate 4937.7070 – Rp 123,442,675.95
TapTap Send Cheapest 4950.0000 AED 0.00 Rp 123,750,000.00 +Rp 307,324.05
Regency FX 4924.3752 AED 0.00 Rp 123,109,380.72 −Rp 333,295.23
OFX 4913.0185 AED 0.00 Rp 122,825,462.57 −Rp 617,213.38
Exchange rateFeeRecipient getsDifference
Mid-market rate 4935.9099 – Rp 123,397,747.48
TapTap Send Cheapest 4950.0000 AED 0.00 Rp 123,750,000.00 +Rp 352,252.52
Regency FX 4922.5829 AED 0.00 Rp 123,064,573.56 −Rp 333,173.92
OFX 4911.2303 AED 0.00 Rp 122,780,758.74 −Rp 616,988.74
Exchange rateFeeRecipient getsDifference
Mid-market rate 4948.9472 – Rp 123,723,681.13
Regency FX Cheapest 4935.5851 AED 0.00 Rp 123,389,627.19 −Rp 334,053.94
OFX 4924.2025 AED 0.00 Rp 123,105,062.72 −Rp 618,618.41
TapTap Send No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate – – –
TapTap Send Cheapest 4940.0000 AED 0.00 Rp 123,500,000.00 –
Regency FX No quote collected this day – – – –
OFX No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 4949.3645 – Rp 123,734,112.93
TapTap Send Cheapest 4940.0000 AED 0.00 Rp 123,500,000.00 −Rp 234,112.92
Regency FX 4936.0012 AED 0.00 Rp 123,400,030.82 −Rp 334,082.11
OFX 4924.6177 AED 0.00 Rp 123,115,442.36 −Rp 618,670.56
Exchange rateFeeRecipient getsDifference
Mid-market rate 4918.4865 – Rp 122,962,162.40
TapTap Send Cheapest 4940.0000 AED 0.00 Rp 123,500,000.00 +Rp 537,837.60
Regency FX 4905.2066 AED 0.00 Rp 122,630,164.56 −Rp 331,997.84
OFX 4893.8941 AED 0.00 Rp 122,347,351.59 −Rp 614,810.81
Exchange rateFeeRecipient getsDifference
Mid-market rate 4937.3698 – Rp 123,434,244.93
Regency FX Cheapest 4924.0389 AED 0.00 Rp 123,100,972.46 −Rp 333,272.47
OFX 4912.6829 AED 0.00 Rp 122,817,073.70 −Rp 617,171.23
TapTap Send 4900.0000 AED 0.00 Rp 122,500,000.00 −Rp 934,244.93
Exchange rateFeeRecipient getsDifference
Mid-market rate 4930.1104 – Rp 123,252,759.18
Regency FX Cheapest 4916.7991 AED 0.00 Rp 122,919,976.73 −Rp 332,782.45
OFX 4905.4598 AED 0.00 Rp 122,636,495.38 −Rp 616,263.80
TapTap Send 4900.0000 AED 0.00 Rp 122,500,000.00 −Rp 752,759.18
Exchange rateFeeRecipient getsDifference
Mid-market rate 4930.8316 – Rp 123,270,790.53
Regency FX Cheapest 4917.5184 AED 0.00 Rp 122,937,959.39 −Rp 332,831.14
OFX 4906.1775 AED 0.00 Rp 122,654,436.57 −Rp 616,353.96
TapTap Send No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 4930.9776 – Rp 123,274,440.80
Regency FX Cheapest 4917.6640 AED 0.00 Rp 122,941,599.81 −Rp 332,840.99
OFX 4906.3227 AED 0.00 Rp 122,658,068.60 −Rp 616,372.20
TapTap Send 4900.0000 AED 0.00 Rp 122,500,000.00 −Rp 774,440.80
Exchange rateFeeRecipient getsDifference
Mid-market rate 4913.7430 – Rp 122,843,575.90
Regency FX Cheapest 4900.4759 AED 0.00 Rp 122,511,898.25 −Rp 331,677.65
TapTap Send 4900.0000 AED 0.00 Rp 122,500,000.00 −Rp 343,575.90
OFX 4889.1743 AED 0.00 Rp 122,229,358.02 −Rp 614,217.88

Exchange rateFeeRecipient getsDifference

Each line shows what the recipient gets when you send AED 25,000, after fees, as quoted by each company. The mid-market line shows what AED 25,000 converts to at the real exchange rate, with no fees or markup. Rates are checked once a day. Sponsored placements never affect this data. There are no bank quotes for this period.

The dashed line is what you'd get at the mid-market rate with no fees, and the blue line is the cheapest option that day.

When the blue line goes above the dashed one, you're getting more IDR per AED than the mid-market rate can offer.

This could be due to money transfer offers, FX rate adjustments, or market competitiveness.

In the past month, a money transfer company beat the mid-market rate on 7 of the last 30 days.

Right now, Regency FX pays 122,511,898.25 IDR on 25,000 AED, which is 331,677.65 IDR less than the mid-market amount.

Today's payout isn't the best this month though, since the highest receive amount was 123,750,000 IDR.

If you can wait and want to get the most out of your transfer, create a rate alert and we'll let you know when the rate improves.

Cheapest over time

Picking the cheapest money transfer company

Just because a company is the cheapest today doesn't mean it's always the best option for sending money to Indonesia.

We've tracked 239 comparisons to check how often today's top companies were the cheapest across 8 amounts over the past month.

  1. Regency FXAppeared in 161 comparisons

    Cheapest in 61% of them

  2. TapTap SendAppeared in 207 comparisons

    Cheapest in 42% of them

  3. OFXAppeared in 219 comparisons

    Cheapest in 1% of them

Based on 239 comparisons across 8 amounts over the last 30 days.

Different companies can come out cheapest depending on the day and the amount you send.

To keep things fair, we only count the comparisons each company appeared in, and only analyse companies that appeared in at least 50% of all comparisons (so occasional cheapest options don't skew it).

Today Regency FX is the cheapest and gets you the most IDR, and it was also the cheapest in 61% of the 161 comparisons it appeared in over the past month.

It's a good pick for both one-off and regular transfers to Indonesia.

TapTap Send (today's second cheapest) was the cheapest in only 42% of its comparisons, so it's rarely the cheapest option for transfers to Indonesia.

Ways to send money from the UAE to Indonesia

5 companies send money from the UAE to Indonesia, split between currency broker, app, online, multi-currency account, and global business account, and more.

For frequent transfers home

Money transfer apps

If you send IDR home monthly, money transfer apps like TapTap Send are the easiest with good AED/IDR rates.

Botim, Careem Pay, and e& money are convenient but TapTap Send is cheaper.

On an AED 25,000 transfer it will get you 122,500,000 IDR in minutes (after 0 fee and 0.28% markup).

Over the past month, TapTap Send was the cheapest app on 100% of the days it appeared for AED25,000 transfers.

You'll need your Emirates ID and a UAE number to register.

For small urgent transfers

Send now, pay later

You can send AED to Indonesia now, and pay for it in the coming weeks.

Botim and Payit are good options, but it’s a credit, so it costs more and you can’t miss any payments.

We’ve covered this in more detail in our Send Now, Pay Later guide.

For mid-sized transfers from UAE

Online transfers

Sending AED 25,000 to Indonesia is usually cheaper with online money transfer services like Wise.

Wise gets you 121,812,397 IDR, with an AED 212.01 fee and -0.01% markup.

In our comparisons over the past month, it was the cheapest online service on 27 of the 27 days it quoted.

For sending large amounts

Currency brokers

Brokers are great for international property, school fees abroad, or moving your savings home when you leave the UAE.

A broker like Regency FX charges no fee and adds 0.27% on AED/IDR exchange rate with someone on the phone guiding you through the process.

Our analysis shows Regency FX was the cheapest broker in 100% of the transfers from AED 25,000 it quoted.

For UAE businesses trading abroad

Global accounts

Global accounts are for businesses, paying overseas suppliers, collecting from customers abroad, and holding a few currencies at once.

Companies like IFX, Sokin, VertoFX, or Wise Business can handle the batch payments, invoices and multi-currency balances.

For receiving money

Multi-currency accounts

A multi-currency account lets you hold dirhams and/or IDR side by side.

This is useful if you’re getting paid in IDR, or travelling to Indonesia.

I’d suggest Wise for this.

Wise converts AED 25,000 at -0.01% markup and holds it until you send or spend it, and gives you account details to receive IDR.

Over the past month, it came out cheapest among multi-currency accounts on 100% of days.

We've covered this in more detail in our guide to multi-currency accounts.

Ways to deposit AED and receive IDR in Indonesia

With Regency FX, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending AED 25,000 gives your recipient 122,511,898.25 IDR.

You can pay in AED by bank transfer and debit card.

In Indonesia, the recipient can receive IDR through bank deposit and mobile wallet.

  1. 1
    Bank transfer Bank deposit

    You pay AED25,000.00

    Rp122,511,898

    Cheapest

  2. 2
    Debit card Bank deposit

    You pay AED25,000.00

    Rp122,500,000

    -Rp11,898

  3. 3
    Debit card Mobile wallet

    You pay AED25,000.00

    Rp122,500,000

    -Rp11,898

Before sending AED to Indonesia, consider this

The UAE has plenty of ways to send money, but the branch fee, exchange rate and ID checks can change what works best for you.

Compare AED/IDR transfer options

For an AED 25,000 transfer to Indonesia, the current options look like this.

  1. The cheapest option is Regency FX, funded by bank transfer with bank deposit for the payout. Your recipient gets 122,511,898.25 IDR, which is 0.01% more than the next best option.

  2. The fastest option is Wise, funded by bank transfer with bank deposit in Indonesia. Your recipient gets 121,812,397 IDR in within minutes.

You need Emirates ID

Banks, apps and exchange houses need to identify you.

Your Emirates ID and UAE mobile number normally cover a routine transfer, while a large or unusual payment can trigger questions about your salary and source of funds.

For property, tuition or moving savings when you leave the UAE, keep the sale agreement, school invoice or bank statement ready.

A transfer funded from your salary account is easier to explain than a large cash deposit made just before sending.

Use a licensed exchange house in UAE

Currency exchange and remittance services require a Central Bank of the UAE licence.

Check the legal name in the CBUAE licensing register before handing over cash or uploading your ID.

The CBUAE consumer standards require licensed companies to show the exchange rate and fees before the transfer, then include the amount received and complaint details on the receipt.

Avoid a personal bank account or WhatsApp dealer offering a better rate outside a licensed branch.

Cash rules are separate

The UAE's declaration rules for carrying cash across the border do not set a limit on an electronic transfer.

Your bank or exchange house can still set its own transaction limit and request additional documents.

If you send the same amount every month, complete the ID checks in the app or branch once and save the verified recipient.

This reduces mistakes without bypassing the checks on later transfers.

How we analyse the market

We track 5 licensed companies sending AED to Indonesia, refreshed in real time during live comparisons.

Because the dirham is fixed to the dollar, we compare on what arrives in IDR rather than on the fee, alongside the deposit and payout options.

In the past 30 days alone, we analysed 239 comparisons across 8 amounts.

This page covers the cheapest and fastest options for AED/IDR transfers. This is how we pick them:

  • Cheapest: the company that gets your recipient the most, after fees and the exchange rate. On a tie, live pricing from the company takes priority over the rates we collect by hand.

  • Fastest: the company with the shortest estimated delivery time once you’ve paid. On a tie, the one that pays out more takes priority.

Every company goes through our review before it appears.

Any tax information is for general guidance only and does not constitute tax advice. Speak to a qualified tax adviser about your circumstances.