Best companies for CAD/IDR transfers
14 of 14 providers Last updated on 10 November 2026
Based on 1,000 CAD transfer Best companies for CAD/IDR transfers Sort Cheapest
Ad Wise Pay via Bank Transfer	Fees: $7.30 1 CAD = 12787.4000 IDR -0.03% vs mid-market	Recipient gets Rp 12,694,052.00 Next day
25 reviews Receive to bank accountDedicated support for large transfers
Ways to receive money in Indonesia with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositNext dayAvailable via:Bank Transfer $7.301 CAD = 12787.4000 IDR Rp 12,694,052.00You pay$1,000.00
Ad WorldRemit Pay via Debit Card	Fees: $0.99 1 CAD = 12534.1014 IDR +1.97% vs mid-market	Recipient gets Rp 12,521,692.64 Next Day
13 reviews Receive to bank account or cash pickup
Ways to receive money in Indonesia with WorldRemit when paying by debit card. MethodFee & ratesRecipient gets Bank depositNext Day $0.991 CAD = 12534.1014 IDR Rp 12,521,692.64You pay$1,000.00
Run a live search Showing top Canada to Indonesia deals for 1,000 CAD. Do a live search with your exact amount for today's best rates.
Run a live search Showing companies that send from a business account. Run a business search to get live CAD to IDR rates.
Run a live search These companies offer multi-currency accounts for spending IDR. We suggest doing a live search based on how much CAD you're planning to spend in Indonesia.
Run a live search These are managed services with real human support for large CAD transfers. Click the link and update the transfer amount to get the best deal.
Instarem Pay via Interac	Fees: $0.00 1 CAD = 12763.2863 IDR +0.16% vs mid-market	Recipient gets Rp 12,763,287.00 6-12 Hours
7 reviews Cheapest Receive to bank account
Ways to receive money in Indonesia with Instarem when paying by interac. MethodFee & ratesRecipient gets Bank deposit6-12 Hours Free1 CAD = 12763.2863 IDR Rp 12,763,287.00You pay$1,000.00
TapTap Send Pay via Debit Card	Fees: $0.00 1 CAD = 12750.0000 IDR +0.26% vs mid-market	Recipient gets Rp 12,750,000.00 Minutes
2 reviews Fastest Receive to bank account
Ways to receive money in Indonesia with TapTap Send when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes Free1 CAD = 12750.0000 IDR Rp 12,750,000.00You pay$1,000.00 Mobile walletMinutesAvailable via:DANA, GoPay, LinkAja, OVO, ShopeePay Free1 CAD = 12750.0000 IDR Rp 12,750,000.00You pay$1,000.00
Ria Money Transfer Pay via Debit Card	Fees: $1.00 1 CAD = 12754.9000 IDR +0.22% vs mid-market	Recipient gets Rp 12,742,145.10 6-12 Hours
0 reviews
Ways to receive money in Indonesia with Ria Money Transfer when paying by debit card. MethodFee & ratesRecipient gets Bank deposit6-12 Hours $1.001 CAD = 12754.9000 IDR Rp 12,742,145.10You pay$1,000.00 Cash pickup6-12 Hours $1.001 CAD = 12735.4600 IDR Rp 12,722,724.54You pay$1,000.00 Mobile wallet6-12 Hours $1.001 CAD = 12703.0500 IDR Rp 12,690,346.95You pay$1,000.00
Western Union Pay via Debit Card	Fees: $0.00 1 CAD = 12717.6850 IDR +0.52% vs mid-market	Recipient gets Rp 12,717,700.00 Next Day
8 reviews Receive to bank account or cash pickup
Ways to receive money in Indonesia with Western Union when paying by debit card. MethodFee & ratesRecipient gets Bank depositNext Day Free1 CAD = 12717.6850 IDR Rp 12,717,700.00You pay$1,000.00

Western Union Pay via Bank Transfer	Fees: $0.00 1 CAD = 12717.6850 IDR +0.52% vs mid-market	Recipient gets Rp 12,717,700.00 Next Day
8 reviews Receive to bank account or cash pickup
Ways to receive money in Indonesia with Western Union when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositNext Day Free1 CAD = 12717.6850 IDR Rp 12,717,700.00You pay$1,000.00
Koho Pay via Bank Transfer	Fees: $5.12 1 CAD = 12782.4600 IDR +0.01% vs mid-market	Recipient gets Rp 12,716,968.00 Within minutes
0 reviews Receive to bank account
Ways to receive money in Indonesia with Koho when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer $5.121 CAD = 12782.4600 IDR Rp 12,716,968.00You pay$1,000.00 Mobile walletWithin minutesAvailable via:DANA, GoPay, LinkAja, OVO, ShopeePay $5.121 CAD = 12782.4600 IDR Rp 12,716,968.00You pay$1,000.00
Remitly Pay via Debit Card	Fees: $0.00 1 CAD = 12711.1200 IDR +0.57% vs mid-market	Recipient gets Rp 12,711,120.00 Within minutes
19 reviews Receive to bank account or cash pickup
Ways to receive money in Indonesia with Remitly when paying by debit card. MethodFee & ratesRecipient gets Bank depositWithin minutes Free1 CAD = 12711.1200 IDR Rp 12,711,120.00You pay$1,000.00

Remitly Pay via Bank Transfer	Fees: $0.00 1 CAD = 12711.1200 IDR +0.57% vs mid-market	Recipient gets Rp 12,711,120.00 Within a week
19 reviews Receive to bank account or cash pickup
Ways to receive money in Indonesia with Remitly when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin a week Free1 CAD = 12711.1200 IDR Rp 12,711,120.00You pay$1,000.00
Remitly Pay via Interac	Fees: $0.00 1 CAD = 12711.1200 IDR +0.57% vs mid-market	Recipient gets Rp 12,711,120.00 Within a week
19 reviews Receive to bank account or cash pickup
Ways to receive money in Indonesia with Remitly when paying by interac. MethodFee & ratesRecipient gets Bank depositWithin a week Free1 CAD = 12711.1200 IDR Rp 12,711,120.00You pay$1,000.00
Remitly Pay via Credit Card	Fees: $20.00 1 CAD = 12711.1200 IDR +0.57% vs mid-market	Recipient gets Rp 12,711,120.00 Within minutes
19 reviews Receive to bank account or cash pickup
Ways to receive money in Indonesia with Remitly when paying by credit card. MethodFee & ratesRecipient gets Bank depositWithin minutes $20.001 CAD = 12711.1200 IDR Rp 12,711,120.00You pay$1,020.00
OFX Pay via Bank Transfer	Fees: $0.00 1 CAD = 12700.4942 IDR +0.65% vs mid-market	Recipient gets Rp 12,700,494.23 6-12 Hours
7 reviews Receive to bank account
Ways to receive money in Indonesia with OFX when paying by bank transfer. MethodFee & ratesRecipient gets Bank deposit6-12 Hours Free1 CAD = 12700.4942 IDR Rp 12,700,494.23You pay$1,000.00
Panda Remit Pay via Bank Transfer	Fees: $8.99 1 CAD = 12812.7582 IDR -0.23% vs mid-market	Recipient gets Rp 12,697,571.50 6-12 Hours
0 reviews
Ways to receive money in Indonesia with Panda Remit when paying by bank transfer. MethodFee & ratesRecipient gets Bank deposit6-12 Hours $8.991 CAD = 12812.7582 IDR Rp 12,697,571.50You pay$1,000.00
Wise Pay via Bank Transfer	Fees: $7.30 1 CAD = 12787.4000 IDR -0.03% vs mid-market	Recipient gets Rp 12,694,052.00 Next day
25 reviews Our top pick Receive to bank accountDedicated support for large transfers
Ways to receive money in Indonesia with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositNext dayAvailable via:Bank Transfer $7.301 CAD = 12787.4000 IDR Rp 12,694,052.00You pay$1,000.00
Ria Money Transfer Pay via Credit Card	Fees: $5.00 1 CAD = 12754.9000 IDR +0.22% vs mid-market	Recipient gets Rp 12,691,125.50 6-12 Hours
0 reviews
Ways to receive money in Indonesia with Ria Money Transfer when paying by credit card. MethodFee & ratesRecipient gets Bank deposit6-12 Hours $5.001 CAD = 12754.9000 IDR Rp 12,691,125.50You pay$1,000.00 Cash pickup6-12 Hours $5.001 CAD = 12735.4600 IDR Rp 12,671,782.70You pay$1,000.00 Mobile wallet6-12 Hours $5.001 CAD = 12703.0500 IDR Rp 12,639,534.75You pay$1,000.00
Only available via Mobile App Sendwave Pay via Debit Card	Fees: $0.99 1 CAD = 12674.7903 IDR +0.85% vs mid-market	Recipient gets Rp 12,662,242.25 2 Days
6 reviews Receive to bank account or cash pickup
Ways to receive money in Indonesia with Sendwave when paying by debit card. MethodFee & ratesRecipient gets Bank deposit2 Days $0.991 CAD = 12674.7903 IDR Rp 12,662,242.25You pay$1,000.00 Mobile money2 Days $0.991 CAD = 12598.0509 IDR Rp 12,585,578.83You pay$1,000.00
Paysend Pay via Debit Card	Fees: $0.00 1 CAD = 12661.7286 IDR +0.96% vs mid-market	Recipient gets Rp 12,661,728.61 6-12 Hours
0 reviews
Ways to receive money in Indonesia with Paysend when paying by debit card. MethodFee & ratesRecipient gets Bank deposit6-12 Hours Free1 CAD = 12661.7286 IDR Rp 12,661,728.61You pay$1,000.00

Paysend Pay via Credit Card	Fees: $0.00 1 CAD = 12661.7286 IDR +0.96% vs mid-market	Recipient gets Rp 12,661,728.61 6-12 Hours
0 reviews
Ways to receive money in Indonesia with Paysend when paying by credit card. MethodFee & ratesRecipient gets Bank deposit6-12 Hours Free1 CAD = 12661.7286 IDR Rp 12,661,728.61You pay$1,000.00
CurrencyFair Pay via Bank Transfer	Fees: $1.56 1 CAD = 12668.8000 IDR +0.90% vs mid-market	Recipient gets Rp 12,648,800.00 6-12 Hours
3 reviews Receive to bank account
Ways to receive money in Indonesia with CurrencyFair when paying by bank transfer. MethodFee & ratesRecipient gets Bank deposit6-12 Hours $1.561 CAD = 12668.8000 IDR Rp 12,648,800.00You pay$1,000.00
Wise Pay via Interac	Fees: $13.01 1 CAD = 12787.4000 IDR -0.03% vs mid-market	Recipient gets Rp 12,621,036.00 Within minutes
25 reviews Receive to bank accountDedicated support for large transfers
Ways to receive money in Indonesia with Wise when paying by interac. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer $13.011 CAD = 12787.4000 IDR Rp 12,621,036.00You pay$1,000.00
$0 fee on first online transfers MoneyGram Pay via Debit Card	Fees: $4.99 1 CAD = 12560.4458 IDR +1.76% vs mid-market	Recipient gets Rp 12,560,445.80 6-12 Hours
2 reviews
Ways to receive money in Indonesia with MoneyGram when paying by debit card. MethodFee & ratesRecipient gets Mobile wallet6-12 HoursAvailable via:Select Wallets $4.991 CAD = 12560.4458 IDR Rp 12,560,445.80You pay$1,004.99 Bank deposit6-12 HoursAvailable via:All Banks $4.991 CAD = 12560.4458 IDR Rp 12,560,445.80You pay$1,004.99 Cash pickup6-12 Hours $5.991 CAD = 12560.4458 IDR Rp 12,560,445.80You pay$1,005.99

$0 fee on first online transfers MoneyGram Pay via Credit Card	Fees: $4.99 1 CAD = 12560.4458 IDR +1.76% vs mid-market	Recipient gets Rp 12,560,445.80 6-12 Hours
2 reviews
Ways to receive money in Indonesia with MoneyGram when paying by credit card. MethodFee & ratesRecipient gets Mobile wallet6-12 HoursAvailable via:Select Wallets $4.991 CAD = 12560.4458 IDR Rp 12,560,445.80You pay$1,004.99 Bank deposit6-12 HoursAvailable via:All Banks $4.991 CAD = 12560.4458 IDR Rp 12,560,445.80You pay$1,004.99 Cash pickup6-12 Hours $5.991 CAD = 12560.4458 IDR Rp 12,560,445.80You pay$1,005.99
$0 fee on first online transfers MoneyGram Pay via Cash deposit	Fees: $4.99 1 CAD = 12560.4458 IDR +1.76% vs mid-market	Recipient gets Rp 12,560,445.80 6-12 Hours
2 reviews
Ways to receive money in Indonesia with MoneyGram when paying by cash deposit. MethodFee & ratesRecipient gets Bank deposit6-12 HoursAvailable via:All Banks $4.991 CAD = 12560.4458 IDR Rp 12,560,445.80You pay$1,004.99 Mobile wallet6-12 HoursAvailable via:Select Wallets $4.991 CAD = 12560.4458 IDR Rp 12,560,445.80You pay$1,004.99 Cash pickup6-12 Hours $5.991 CAD = 12560.4458 IDR Rp 12,560,445.80You pay$1,005.99
Wise Pay via Debit Card	Fees: $18.33 1 CAD = 12787.4000 IDR -0.03% vs mid-market	Recipient gets Rp 12,553,007.00 Within minutes
25 reviews Receive to bank accountDedicated support for large transfers
Ways to receive money in Indonesia with Wise when paying by debit card. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer $18.331 CAD = 12787.4000 IDR Rp 12,553,007.00You pay$1,000.00
Only available via Mobile App WorldRemit Pay via Debit Card	Fees: $0.99 1 CAD = 12534.1014 IDR +1.97% vs mid-market	Recipient gets Rp 12,521,692.64 Next Day
13 reviews Receive to bank account or cash pickup
Ways to receive money in Indonesia with WorldRemit when paying by debit card. MethodFee & ratesRecipient gets Bank depositNext Day $0.991 CAD = 12534.1014 IDR Rp 12,521,692.64You pay$1,000.00
Wise Pay via Credit Card	Fees: $33.06 1 CAD = 12787.4000 IDR -0.03% vs mid-market	Recipient gets Rp 12,364,649.00 Within minutes
25 reviews Receive to bank accountDedicated support for large transfers
Ways to receive money in Indonesia with Wise when paying by credit card. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer $33.061 CAD = 12787.4000 IDR Rp 12,364,649.00You pay$1,000.00
How Our Results Work Mid-market rate: 1 CAD = 12783.5875 IDR Updates every 60 minutes.

Why compare

CAD/IDR exchange rate

Best ways to pay & receive

Transfer speed

How to send money from Canada to Indonesia

Pick a company

Start with the cheapest, which is Instarem at 12,763,287 IDR on CA$1,000.

Instarem was the cheapest on 19 of the 20 days it quoted CA$1,000 transfers to Indonesia.

More than half of Canadians sending money still pay at a store counter. The same company is often cheaper online.

Fund your transfer

You have 5 ways to pay, including debit card, bank transfer, credit card, interac, and cash deposit.

Interac e-Transfer is how most companies take your money, moving it into their Canadian account so they can carry it over the border.

Verify and send

First time round you'll need a photo ID, and often where the money came from.

Your first transfer will be slower than the ones after it because of those checks, so send it a few days before it's needed.

Compare amounts

How much CAD are you sending to Indonesia?

How much CAD 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 Instarem was the cheapest in 53% of the transfers up to CA$1,000 it quoted, and in 53% of all the transfers it quoted.


$100	-1.24%	$0.00	Rp 1,295,617.00with debit card to bank deposit	+Rp 43,613.96
$500	-1.31%	$0.00	Rp 6,478,415.00with debit card to bank deposit	+Rp 141,628.57
$1,000This page	0.16%	$0.00	Rp 12,763,287.00with interac to bank deposit	+Rp 106,817.21
$3,000	0.43%	$0.00	Rp 38,250,000.00with debit card to bank deposit	+Rp 371,264.92
$10,000	0.26%	$0.00	Rp 127,500,000.00with debit card to bank deposit	+Rp 899,752.22
$50,000	0.25%	$0.00	Rp 638,002,469.07with bank transfer to bank deposit	+Rp 4,802,807.97

Mid-market rate: 1 CAD = 12783.5875 IDR

CAD/IDR Exchange Rate History

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

The cheapest way to send CAD 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 Instarem), across 30 days of comparisons for 1,000 CAD transfers to Indonesia.

Each line shows what the recipient gets when you send $1,000, after fees, as quoted by each company. The mid-market line shows what $1,000 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 CAD than the mid-market rate can offer.

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

No company, app or bank beat the mid-market rate over the past month, meaning you lose a bit of IDR on every transfer from Canada.

Right now, Instarem pays 12,763,287 IDR on 1,000 CAD, which is 20,300.55 IDR less than the mid-market amount.

Today's payout isn't the best this month though, since the highest receive amount was 12,971,714 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 180 comparisons to check how often today's top companies were the cheapest across 6 amounts over the past month.

InstaremAppeared in 40 comparisons
Cheapest in 53% of them
TapTap SendAppeared in 161 comparisons
Cheapest in 9% of them
Ria Money TransferAppeared in 16 comparisons
Never the cheapest

Based on 180 comparisons across 6 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 analyze companies that appeared in at least 50% of all comparisons (so occasional cheapest options don't skew it).

Today Instarem is the cheapest, but it only quotes some of the amounts we track, so it isn't included in these figures.

TapTap Send (today's second cheapest) was the cheapest in only 9% of its comparisons, so it's rarely the cheapest option for transfers to Indonesia.

Ways to send money from Canada to Indonesia

There are 14 companies sending money to Indonesia, but how you send depends on your needs.

Most common option

In-person transfers

Hand your cash over the counter and your recipient can collect it the same day without needing an app or bank account.

Bring CA$1,000 in cash to the closest Ria Money Transfer location, and your recipient picks up 12,742,145.10 IDR within minutes.

Our data shows Ria Money Transfer came out cheapest among in-person options on 40% of days in the past month.

Cash transfers cost more

Cash transfer to Indonesia is usually the most expensive option, compare your options above to get the best deal.

For transfers home

Money transfer apps

An app does the same job as the store for less, and you top it up with an Interac e-Transfer, the same way you'd send money to a friend.

Instarem charges CA$0 in fees and adds 0.16% markup, so your CA$1,000 delivers 12,763,287 IDR in 6-12 hours.

Over the past month, Instarem was the cheapest app on 95% of the days it appeared for CA$1,000 transfers.

You don't need a SIN to sign up either, a passport works.

For one-off transfers

Online transfers

For bigger or less frequent transfers, compare a couple of online services on the day, and pick the cheapest.

Of the 14 companies we compared, Instarem is the cheapest online service and currently gets you 12,763,287 IDR on a CA$1,000 transfer after a CA$0 fee and 0.16% markup.

In our comparisons over the past month, it was the cheapest online service on 20 of the 20 days it quoted.

Funding by bank transfer (EFT) is cheapest but takes 1-2 days to clear, and Interac e-Transfer or debit card is faster but pricier.

For large transfers from Canada

Currency brokers

For property, tuition, moving from Canada, or an inheritance, a broker is the best and usually the cheapest option.

Brokers like OFX charge no fees but add 0.65% on CAD/IDR interbank rate.

The markup gets lower the more you send, with an account manager handling it end to end.

Our analysis shows OFX was the cheapest broker in 58% of all the transfers it quoted.

If you're sending large amounts, expect more questions about the transfers, so have statements and documents ready to avoid delays.

If you already have one

Challenger banks

Some neobanks in Canada include international transfers with no transfer fee as part of the account.

Koho sends your CA$1,000 for CA$5.12 in fees with 0.01% markup.

It's a good option for small occasional transfers, but I still suggest .

Our data shows Koho came out cheapest among challenger banks on 100% of days in the past month.

For businesses paying abroad

Global accounts

Global accounts handle the business side, paying suppliers, contractors and overseas invoices in IDR.

Companies like OFX, Airwallex, or WorldFirst are set up for the batch and recurring payments a personal app can't do.

For spending abroad and getting paid

Multi-currency accounts

If part of your life runs in IDR, be it spending it, saving it, or waiting for a better rate, a multi-currency account can hold it alongside your CAD.

Wise lets you hold CAD and IDR, and convert between them at low cost.

For example, converting $1,000 costs $7.30 in fees at -0.03% markup, which gets you 12,694,052 IDR.

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

Ways to fund CAD and receive IDR in Indonesia

With Instarem, paying by interac and receiving through bank deposit is the cheapest combination. Sending CA$1,000 gives your recipient 12,763,287 IDR.

Deposit CAD using debit card, bank transfer, credit card, interac, and cash deposit.

I suggest using Interac e-Transfer for simplicity

Follow the company's Interac instructions and check the business name before sending.

Do not send to an email address supplied outside the company's app or website.

The recipient can receive IDR through bank deposit, mobile wallet, cash pickup, and mobile money.

For a bank deposit payout, you will need the recipient's bank details in Indonesia.

1

Interac Bank deposit

You pay CA$1,000.00

Rp12,763,287

Cheapest
2

debit card Bank deposit

You pay CA$1,000.00

Rp12,750,000

-Rp13,287
3

debit card Mobile wallet

You pay CA$1,000.00

Rp12,750,000

-Rp13,287
4

debit card Cash pickup

You pay CA$1,000.00

Rp12,722,725

-Rp40,562
5

Bank transfer Bank deposit

You pay CA$1,000.00

Rp12,717,700

-Rp45,587

Show moreShow less

6

Bank transfer Mobile wallet

You pay CA$1,000.00

Rp12,716,968

-Rp46,319
7

credit card Bank deposit

You pay CA$1,020.00

Rp12,711,120

-Rp52,167
8

credit card Cash pickup

You pay CA$1,000.00

Rp12,671,783

-Rp91,504
9

credit card Mobile wallet

You pay CA$1,000.00

Rp12,639,535

-Rp123,752
10

debit card Mobile money

You pay CA$1,000.00

Rp12,585,579

-Rp177,708
11

Cash deposit Bank deposit

You pay CA$1,004.99

Rp12,560,446

-Rp202,841
12

Cash deposit Mobile wallet

You pay CA$1,004.99

Rp12,560,446

-Rp202,841
13

Cash deposit Cash pickup

You pay CA$1,005.99

Rp12,560,446

-Rp202,841

Consider this when sending CAD to Indonesia

Interac can fund an international transfer, but it does not send money abroad by itself. You should also know what happens when a transfer reaches the FINTRAC reporting threshold.

Compare CAD/IDR transfer options

For a CA$1,000 transfer to Indonesia, these are the cheapest, fastest and easiest options available now.

Best way to send money to Indonesia

Instarem is the cheapest and easiest option, funded by interac with bank deposit for the payout. Your recipient gets 12,763,287 IDR, which is 0.1% more than the next best option.

Fastest way to send money to Indonesia

TapTap Send is fastest when you pay by debit card and choose bank deposit for the payout. The transfer delivers 12,750,000 IDR in minutes.

Interac only works inside Canada

An Interac e-Transfer cannot go directly to a recipient in Indonesia.

When a transfer company accepts Interac, you send CAD to its Canadian account and the company handles the international side over its own network.

C$10,000 reporting threshold

There is no C$10,000 legal cap on electronic transfers from Canada.

A reporting entity must report an international electronic funds transfer of C$10,000 or more to FINTRAC, including linked transfers that meet the 24-hour rule.

The bank or transfer company makes that report, you do not file it yourself.

But you may be asked for proof of where the money came from.

Sending your own cash or making a genuine cash gift does not create a Canadian gift tax simply because the money goes abroad.

Tax can become relevant when you transfer an appreciated asset rather than cash, or when attribution rules apply.

CDIC protection

Money held with a payment company is not covered by CDIC in the same way as an eligible bank deposit.

Payment companies covered by the Retail Payment Activities Act must safeguard end-user funds, but the Bank of Canada does not resolve individual fee or payment disputes.

If you’re unsure about the company, you can check the company in the FINTRAC MSB Registry.

If you live in Quebec, also confirm that it is allowed to provide money services there.

How we analyse the market

Most of the pricing here comes straight from the companies, and anything we gather by hand is labelled in the table.

That covers 14 FINTRAC-registered companies sending CAD to Indonesia, updated in real time during a live search, compared on rates, fees and how your recipient can collect.

In the past 30 days alone, we analyzed 180 comparisons across 6 amounts.

This page covers the cheapest and fastest options for CAD/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.

Each goes through our review. More on who we are, why you can trust us and getting started.

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

Send money from Canada

Send money to Indonesia

Send money from Philippines to Indonesia Send money from United States to Indonesia Send money from India to Indonesia Send money from Nigeria to Indonesia Send money from Malaysia to Indonesia Send money from Germany to Indonesia Send money from South Africa to Indonesia Send money from Turkey to Indonesia Send money from Netherlands to Indonesia Send money from United Kingdom to Indonesia Send money from Singapore to Indonesia

Mon, Oct 12, 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	12574.7114	–	Rp 12,574,711.35
Panda Remit Cheapest	12675.0722	$8.99	Rp 12,561,123.30	−Rp 13,588.05
Ria Money Transfer	12521.3700	$1.00	Rp 12,508,848.63	−Rp 65,862.72
TapTap Send	12500.0000	$0.00	Rp 12,500,000.00	−Rp 74,711.35
Instarem No quote collected this day	–	–	–	–

Tue, Oct 13, 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	12553.4063	–	Rp 12,553,406.26
Remitly Cheapest	12512.8400	$0.00	Rp 12,512,840.00	−Rp 40,566.26
TapTap Send	12500.0000	$0.00	Rp 12,500,000.00	−Rp 53,406.26
Instarem No quote collected this day	–	–	–	–
Ria Money Transfer No quote collected this day	–	–	–	–

Wed, Oct 14, 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	12593.6116	–	Rp 12,593,611.59
Remitly Cheapest	12552.5100	$0.00	Rp 12,552,510.00	−Rp 41,101.59
TapTap Send	12500.0000	$0.00	Rp 12,500,000.00	−Rp 93,611.59
Instarem No quote collected this day	–	–	–	–
Ria Money Transfer No quote collected this day	–	–	–	–

Thu, Oct 15, 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	12627.1666	–	Rp 12,627,166.62
Instarem Cheapest	12603.2467	$0.00	Rp 12,603,247.00	−Rp 23,919.62
TapTap Send	12500.0000	$0.00	Rp 12,500,000.00	−Rp 127,166.62
Ria Money Transfer No quote collected this day	–	–	–	–

Fri, Oct 16, 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	12709.8584	–	Rp 12,709,858.36
Instarem Cheapest	12677.5751	$0.00	Rp 12,677,576.00	−Rp 32,282.36
TapTap Send	12500.0000	$0.00	Rp 12,500,000.00	−Rp 209,858.36
Ria Money Transfer No quote collected this day	–	–	–	–

Sat, Oct 17, 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	12751.5413	–	Rp 12,751,541.30
Instarem Cheapest	12708.9479	$0.00	Rp 12,708,948.00	−Rp 42,593.30
TapTap Send	12700.0000	$0.00	Rp 12,700,000.00	−Rp 51,541.30
Ria Money Transfer No quote collected this day	–	–	–	–

Mon, Oct 19, 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	12799.9603	–	Rp 12,799,960.27
Instarem Cheapest	12784.0252	$0.00	Rp 12,784,026.00	−Rp 15,934.27
TapTap Send	12700.0000	$0.00	Rp 12,700,000.00	−Rp 99,960.27
Ria Money Transfer No quote collected this day	–	–	–	–

Tue, Oct 20, 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	12772.6622	–	Rp 12,772,662.22
Instarem Cheapest	12759.5519	$0.00	Rp 12,759,552.00	−Rp 13,110.22
TapTap Send	12700.0000	$0.00	Rp 12,700,000.00	−Rp 72,662.22
Ria Money Transfer No quote collected this day	–	–	–	–

Wed, Oct 21, 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	12779.3999	–	Rp 12,779,399.89
Instarem Cheapest	12759.9513	$0.00	Rp 12,759,952.00	−Rp 19,447.89
TapTap Send	12700.0000	$0.00	Rp 12,700,000.00	−Rp 79,399.89
Ria Money Transfer No quote collected this day	–	–	–	–

Thu, Oct 22, 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	12863.2673	–	Rp 12,863,267.33
Remitly Cheapest	12808.8300	$0.00	Rp 12,808,830.00	−Rp 54,437.33
TapTap Send	12700.0000	$0.00	Rp 12,700,000.00	−Rp 163,267.33
Instarem No quote collected this day	–	–	–	–
Ria Money Transfer No quote collected this day	–	–	–	–

Fri, Oct 23, 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	12900.1730	–	Rp 12,900,173.01
Instarem Cheapest	12873.0714	$0.00	Rp 12,873,072.00	−Rp 27,101.01
TapTap Send	12700.0000	$0.00	Rp 12,700,000.00	−Rp 200,173.01
Ria Money Transfer No quote collected this day	–	–	–	–

Sat, Oct 24, 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	12921.8672	–	Rp 12,921,867.18
OFX Cheapest	12837.8750	$0.00	Rp 12,837,875.05	−Rp 83,992.13
TapTap Send	12800.0000	$0.00	Rp 12,800,000.00	−Rp 121,867.18
Instarem No quote collected this day	–	–	–	–
Ria Money Transfer No quote collected this day	–	–	–	–

Mon, Oct 26, 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	12937.1364	–	Rp 12,937,136.37
Remitly Cheapest	12889.2400	$0.00	Rp 12,889,240.00	−Rp 47,896.37
TapTap Send	12800.0000	$0.00	Rp 12,800,000.00	−Rp 137,136.37
Instarem No quote collected this day	–	–	–	–
Ria Money Transfer No quote collected this day	–	–	–	–

Tue, Oct 27, 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	12945.3608	–	Rp 12,945,360.80
TapTap Send Cheapest	12900.0000	$0.00	Rp 12,900,000.00	−Rp 45,360.80
Instarem No quote collected this day	–	–	–	–
Ria Money Transfer No quote collected this day	–	–	–	–

Wed, Oct 28, 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	12919.3140	–	Rp 12,919,313.95
Instarem Cheapest	12902.7668	$0.00	Rp 12,902,767.00	−Rp 16,546.95
TapTap Send	12900.0000	$0.00	Rp 12,900,000.00	−Rp 19,313.95
Ria Money Transfer No quote collected this day	–	–	–	–

Thu, Oct 29, 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	12971.8911	–	Rp 12,971,891.14
Remitly Cheapest	12908.9600	$0.00	Rp 12,908,960.00	−Rp 62,931.14
TapTap Send	12900.0000	$0.00	Rp 12,900,000.00	−Rp 71,891.14
Instarem No quote collected this day	–	–	–	–
Ria Money Transfer No quote collected this day	–	–	–	–

Fri, Oct 30, 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	12996.7521	–	Rp 12,996,752.10
Instarem Cheapest	12967.0702	$0.00	Rp 12,967,071.00	−Rp 29,681.10
TapTap Send	12900.0000	$0.00	Rp 12,900,000.00	−Rp 96,752.10
Ria Money Transfer No quote collected this day	–	–	–	–

Sat, Oct 31, 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	12976.3101	–	Rp 12,976,310.07
Instarem Cheapest	12947.4896	$0.00	Rp 12,947,490.00	−Rp 28,820.07
TapTap Send	12900.0000	$0.00	Rp 12,900,000.00	−Rp 76,310.07
Ria Money Transfer No quote collected this day	–	–	–	–

Sun, Nov 1, 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	12971.5872	–	Rp 12,971,587.18
Instarem Cheapest	12947.4896	$0.00	Rp 12,947,490.00	−Rp 24,097.18
TapTap Send	12900.0000	$0.00	Rp 12,900,000.00	−Rp 71,587.18
Ria Money Transfer No quote collected this day	–	–	–	–

Mon, Nov 2, 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	12983.4554	–	Rp 12,983,455.44
Instarem Cheapest	12967.5095	$0.00	Rp 12,967,510.00	−Rp 15,945.44
TapTap Send	12900.0000	$0.00	Rp 12,900,000.00	−Rp 83,455.44
Ria Money Transfer No quote collected this day	–	–	–	–

Tue, Nov 3, 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	12998.6711	–	Rp 12,998,671.07
Instarem Cheapest	12966.2814	$0.00	Rp 12,966,282.00	−Rp 32,389.07
TapTap Send	12900.0000	$0.00	Rp 12,900,000.00	−Rp 98,671.07
Ria Money Transfer No quote collected this day	–	–	–	–

Wed, Nov 4, 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	12997.7130	–	Rp 12,997,712.98
Instarem Cheapest	12971.7132	$0.00	Rp 12,971,714.00	−Rp 25,998.98
TapTap Send	12900.0000	$0.00	Rp 12,900,000.00	−Rp 97,712.98
Ria Money Transfer No quote collected this day	–	–	–	–

Thu, Nov 5, 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	12956.2578	–	Rp 12,956,257.76
Instarem Cheapest	12941.1291	$0.00	Rp 12,941,130.00	−Rp 15,127.76
TapTap Send	12900.0000	$0.00	Rp 12,900,000.00	−Rp 56,257.76
Ria Money Transfer No quote collected this day	–	–	–	–

Fri, Nov 6, 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	12914.3610	–	Rp 12,914,360.95
TapTap Send Cheapest	12900.0000	$0.00	Rp 12,900,000.00	−Rp 14,360.95
Instarem	12890.2456	$0.00	Rp 12,890,246.00	−Rp 24,114.95
Ria Money Transfer No quote collected this day	–	–	–	–

Sat, Nov 7, 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	12830.6193	–	Rp 12,830,619.31
Instarem Cheapest	12775.3781	$0.00	Rp 12,775,379.00	−Rp 55,240.31
TapTap Send	12750.0000	$0.00	Rp 12,750,000.00	−Rp 80,619.31
Ria Money Transfer	12754.9000	$1.00	Rp 12,742,145.10	−Rp 88,474.21

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