Paysend is the cheapest way to send money from Canada to Indonesia based on the 11 companies we analyzed, giving your recipient 12,627,114.33 IDR from $1,000.
| 11 of 11 providers Last updated on 28 September 2026 | |||
| Based on 1,000 CAD transfer Best companies for CAD/IDR transfers | |||
| Ad  Wise Pay via Bank Transfer | Fees: $7.30 1 CAD = 12693.7000 IDR +0.09% vs mid-market | Recipient gets Rp 12,601,036.00 Same day | |
Ways to receive money in Indonesia with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositSame dayAvailable via:Bank Transfer $7.301 CAD = 12693.7000 IDR Rp 12,601,036.00You pay$1,000.00 | |||
| Ad  MoneyGram Pay via Debit Card | Fees: $5.99 1 CAD = 12430.0961 IDR +2.19% vs mid-market | Recipient gets Rp 12,430,096.10 6-12 Hours | |
Ways to receive money in Indonesia with MoneyGram when paying by debit card. MethodFee & ratesRecipient gets Cash pickup6-12 Hours $5.991 CAD = 12430.0961 IDR Rp 12,430,096.10You pay$1,005.99 Bank deposit6-12 HoursAvailable via:All Banks $4.991 CAD = 12349.0617 IDR Rp 12,349,061.70You pay$1,004.99 Mobile wallet6-12 HoursAvailable via:Select Wallets $4.991 CAD = 12343.0422 IDR Rp 12,343,042.20You pay$1,004.99 | |||
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. | |||
 Paysend Pay via Debit Card | Fees: $0.00 1 CAD = 12627.1143 IDR +0.62% vs mid-market | Recipient gets Rp 12,627,114.33 6-12 Hours | |
Ways to receive money in Indonesia with Paysend when paying by debit card. MethodFee & ratesRecipient gets Bank deposit6-12 Hours Free1 CAD = 12627.1143 IDR Rp 12,627,114.33You pay$1,000.00 | |||
| Paysend Pay via Credit Card | Fees: $0.00 1 CAD = 12627.1143 IDR +0.62% vs mid-market | Recipient gets Rp 12,627,114.33 6-12 Hours | |
Ways to receive money in Indonesia with Paysend when paying by credit card. MethodFee & ratesRecipient gets Bank deposit6-12 Hours Free1 CAD = 12627.1143 IDR Rp 12,627,114.33You pay$1,000.00 | |||
 Koho Pay via Bank Transfer | Fees: $5.12 1 CAD = 12688.1000 IDR +0.13% vs mid-market | Recipient gets Rp 12,623,091.00 Within minutes | |
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 = 12688.1000 IDR Rp 12,623,091.00You pay$1,000.00 Mobile walletWithin minutesAvailable via:DANA, GoPay, LinkAja, OVO, ShopeePay $5.121 CAD = 12688.1000 IDR Rp 12,623,091.00You pay$1,000.00 | |||
 OFX Pay via Bank Transfer | Fees: $0.00 1 CAD = 12622.4583 IDR +0.65% vs mid-market | Recipient gets Rp 12,622,458.34 6-12 Hours | |
Ways to receive money in Indonesia with OFX when paying by bank transfer. MethodFee & ratesRecipient gets Bank deposit6-12 Hours Free1 CAD = 12622.4583 IDR Rp 12,622,458.34You pay$1,000.00 | |||
 Western Union Pay via Debit Card | Fees: $0.00 1 CAD = 12613.6466 IDR +0.72% vs mid-market | Recipient gets Rp 12,613,700.00 Next Day | |
Ways to receive money in Indonesia with Western Union when paying by debit card. MethodFee & ratesRecipient gets Bank depositNext Day Free1 CAD = 12613.6466 IDR Rp 12,613,700.00You pay$1,000.00 | |||
| Western Union Pay via Bank Transfer | Fees: $0.00 1 CAD = 12613.6466 IDR +0.72% vs mid-market | Recipient gets Rp 12,613,700.00 Next Day | |
Ways to receive money in Indonesia with Western Union when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositNext Day Free1 CAD = 12613.6466 IDR Rp 12,613,700.00You pay$1,000.00 | |||
| Wise Pay via Bank Transfer | Fees: $7.30 1 CAD = 12693.7000 IDR +0.09% vs mid-market | Recipient gets Rp 12,601,036.00 Same day | |
Ways to receive money in Indonesia with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositSame dayAvailable via:Bank Transfer $7.301 CAD = 12693.7000 IDR Rp 12,601,036.00You pay$1,000.00 | |||
 Panda Remit Pay via Bank Transfer | Fees: $8.99 1 CAD = 12675.0722 IDR +0.24% vs mid-market | Recipient gets Rp 12,561,123.30 6-12 Hours | |
Ways to receive money in Indonesia with Panda Remit when paying by bank transfer. MethodFee & ratesRecipient gets Bank deposit6-12 Hours $8.991 CAD = 12675.0722 IDR Rp 12,561,123.30You pay$1,000.00 | |||
 CurrencyFair Pay via Bank Transfer | Fees: $1.57 1 CAD = 12577.5000 IDR +1.01% vs mid-market | Recipient gets Rp 12,557,500.00 6-12 Hours | |
Ways to receive money in Indonesia with CurrencyFair when paying by bank transfer. MethodFee & ratesRecipient gets Bank deposit6-12 Hours $1.571 CAD = 12577.5000 IDR Rp 12,557,500.00You pay$1,000.00 | |||
 TapTap Send Pay via Debit Card | Fees: $0.00 1 CAD = 12550.0000 IDR +1.23% vs mid-market | Recipient gets Rp 12,550,000.00 Minutes | |
Ways to receive money in Indonesia with TapTap Send when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes Free1 CAD = 12550.0000 IDR Rp 12,550,000.00You pay$1,000.00 Mobile walletMinutesAvailable via:DANA, GoPay, LinkAja, OVO, ShopeePay Free1 CAD = 12550.0000 IDR Rp 12,550,000.00You pay$1,000.00 | |||
| Wise Pay via Interac | Fees: $13.01 1 CAD = 12693.7000 IDR +0.09% vs mid-market | Recipient gets Rp 12,528,555.00 Within minutes | |
Ways to receive money in Indonesia with Wise when paying by interac. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer $13.011 CAD = 12693.7000 IDR Rp 12,528,555.00You pay$1,000.00 | |||
 Ria Money Transfer Pay via Debit Card | Fees: $1.00 1 CAD = 12521.3700 IDR +1.46% vs mid-market | Recipient gets Rp 12,508,848.63 6-12 Hours | |
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 = 12521.3700 IDR Rp 12,508,848.63You pay$1,000.00 Cash pickup6-12 Hours $1.001 CAD = 12502.2900 IDR Rp 12,489,787.71You pay$1,000.00 Mobile wallet6-12 Hours $1.001 CAD = 12470.4700 IDR Rp 12,457,999.53You pay$1,000.00 | |||
| Wise Pay via Debit Card | Fees: $18.33 1 CAD = 12693.7000 IDR +0.09% vs mid-market | Recipient gets Rp 12,461,024.00 Within minutes | |
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 = 12693.7000 IDR Rp 12,461,024.00You pay$1,000.00 | |||
| Ria Money Transfer Pay via Credit Card | Fees: $5.00 1 CAD = 12521.3700 IDR +1.46% vs mid-market | Recipient gets Rp 12,458,763.15 6-12 Hours | |
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 = 12521.3700 IDR Rp 12,458,763.15You pay$1,000.00 Cash pickup6-12 Hours $5.001 CAD = 12502.2900 IDR Rp 12,439,778.55You pay$1,000.00 Mobile wallet6-12 Hours $5.001 CAD = 12470.4700 IDR Rp 12,408,117.65You pay$1,000.00 | |||
| $0 fee on first online transfers MoneyGram Pay via Debit Card | Fees: $5.99 1 CAD = 12430.0961 IDR +2.19% vs mid-market | Recipient gets Rp 12,430,096.10 6-12 Hours | |
Ways to receive money in Indonesia with MoneyGram when paying by debit card. MethodFee & ratesRecipient gets Cash pickup6-12 Hours $5.991 CAD = 12430.0961 IDR Rp 12,430,096.10You pay$1,005.99 Bank deposit6-12 HoursAvailable via:All Banks $4.991 CAD = 12349.0617 IDR Rp 12,349,061.70You pay$1,004.99 Mobile wallet6-12 HoursAvailable via:Select Wallets $4.991 CAD = 12343.0422 IDR Rp 12,343,042.20You pay$1,004.99 | |||
| $0 fee on first online transfers MoneyGram Pay via Credit Card | Fees: $5.99 1 CAD = 12430.0961 IDR +2.19% vs mid-market | Recipient gets Rp 12,430,096.10 6-12 Hours | |
Ways to receive money in Indonesia with MoneyGram when paying by credit card. MethodFee & ratesRecipient gets Cash pickup6-12 Hours $5.991 CAD = 12430.0961 IDR Rp 12,430,096.10You pay$1,005.99 Bank deposit6-12 HoursAvailable via:All Banks $4.991 CAD = 12349.0617 IDR Rp 12,349,061.70You pay$1,004.99 Mobile wallet6-12 HoursAvailable via:Select Wallets $4.991 CAD = 12343.0422 IDR Rp 12,343,042.20You pay$1,004.99 | |||
| $0 fee on first online transfers MoneyGram Pay via Cash deposit | Fees: $5.99 1 CAD = 12430.0961 IDR +2.19% vs mid-market | Recipient gets Rp 12,430,096.10 6-12 Hours | |
Ways to receive money in Indonesia with MoneyGram when paying by cash deposit. MethodFee & ratesRecipient gets Cash pickup6-12 Hours $5.991 CAD = 12430.0961 IDR Rp 12,430,096.10You pay$1,005.99 Bank deposit6-12 HoursAvailable via:All Banks $4.991 CAD = 12349.0617 IDR Rp 12,349,061.70You pay$1,004.99 Mobile wallet6-12 HoursAvailable via:Select Wallets $4.991 CAD = 12343.0422 IDR Rp 12,343,042.20You pay$1,004.99 | |||
 Remitly Pay via Debit Card | Fees: $0.00 1 CAD = 12356.3000 IDR +2.78% vs mid-market | Recipient gets Rp 12,356,300.00 2 Days | |
Ways to receive money in Indonesia with Remitly when paying by debit card. MethodFee & ratesRecipient gets Bank deposit2 Days Free1 CAD = 12356.3000 IDR Rp 12,356,300.00You pay$1,000.00 | |||
| Remitly Pay via Credit Card | Fees: $20.00 1 CAD = 12356.3000 IDR +2.78% vs mid-market | Recipient gets Rp 12,356,300.00 2 Days | |
Ways to receive money in Indonesia with Remitly when paying by credit card. MethodFee & ratesRecipient gets Bank deposit2 Days $20.001 CAD = 12356.3000 IDR Rp 12,356,300.00You pay$1,020.00 | |||
| Remitly Pay via Bank Transfer | Fees: $0.00 1 CAD = 12356.3000 IDR +2.78% vs mid-market | Recipient gets Rp 12,356,300.00 2 Days | |
Ways to receive money in Indonesia with Remitly when paying by bank transfer. MethodFee & ratesRecipient gets Bank deposit2 Days Free1 CAD = 12356.3000 IDR Rp 12,356,300.00You pay$1,000.00 | |||
| Remitly Pay via Interac | Fees: $0.00 1 CAD = 12356.3000 IDR +2.78% vs mid-market | Recipient gets Rp 12,356,300.00 2 Days | |
Ways to receive money in Indonesia with Remitly when paying by interac. MethodFee & ratesRecipient gets Bank deposit2 Days Free1 CAD = 12356.3000 IDR Rp 12,356,300.00You pay$1,000.00 | |||
| Wise Pay via Credit Card | Fees: $33.06 1 CAD = 12693.7000 IDR +0.09% vs mid-market | Recipient gets Rp 12,274,046.00 Within minutes | |
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 = 12693.7000 IDR Rp 12,274,046.00You pay$1,000.00 | |||
| How Our Results Work Mid-market rate: 1 CAD = 12705.0411 IDR Updates every 60 minutes. | |||
Transfer details
Start with the cheapest, which is Paysend at 12,627,114.33 IDR on $1,000.
More than half of Canadians sending money still pay at a store counter. The same company is often cheaper online.
You have 5 ways to pay, including bank transfer, debit card, 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.
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.
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.
| Cheapest service | |||||
|---|---|---|---|---|---|
| $100 | 0.27% | $0.00 | Rp 1,267,780.00with interac to bank deposit | +Rp 33,318.57 | |
| $500 | 0.65% | $0.00 | Rp 6,314,863.92with bank transfer to bank deposit | +Rp 73,983.27 | |
| $1,000This page | 0.62% | $0.00 | Rp 12,627,114.33with debit card to bank deposit | +Rp 129,679.68 | |
| $10,000 | 0.27% | $0.00 | Rp 126,688,118.69with bank transfer to bank deposit | +Rp 1,233,136.10 | |
| $50,000 | 0.25% | $0.00 | Rp 633,759,508.80with bank transfer to bank deposit | +Rp 6,514,867.90 |
Mid-market rate: 1 CAD = 12705.0411 IDR
There are 11 companies sending money to India, but how you send depends on your needs.
Most common option
Hand your cash over the counter and your recipient can collect it the same day without needing an app or bank account.
Bring $1,000 in cash to the closest Western Union location, and your recipient picks up 12,613,700 IDR within minutes.
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
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.
Paysend charges $0 in fees and adds 0.62% markup, so your $1,000 delivers 12,627,114.33 IDR in 6-12 hours.
You don't need a SIN to sign up either, a passport works.
For one-off transfers
For bigger or less frequent transfers, compare a couple of online services on the day, and pick the cheapest.
Of 11 online companies, Paysend is the cheapest and currently gets you 12,627,114.33 IDR on a $1,000 transfer after a $0 fee and 0.62% markup.
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
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.
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
Some neobanks in Canada include international transfers with no transfer fee as part of the account.
Koho sends your $1,000 for $5.12 in fees with 0.13% markup.
It's a good option for small ocasional transfers, but I still suggest .
For businesses paying abroad
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
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 $7.3 in fees at 0.09% markup, which gets you 12,601,036 IDR.
With Paysend, paying by debit card and receiving through bank deposit is the cheapest combination. Sending $1,000 gives your recipient 12,627,114.33 IDR.
Deposit CAD using bank transfer, debit card, 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, and cash pickup.
For a bank deposit payout, you will need the recipient's bank details in Indonesia.
You pay $1,000.00
Rp12,627,114
Cheapest
You pay $1,000.00
Rp12,627,114
Rp0
You pay $1,000.00
Rp12,623,091
-Rp4,023
You pay $1,000.00
Rp12,623,091
-Rp4,023
You pay $1,000.00
Rp12,550,000
-Rp77,114
You pay $1,000.00
Rp12,528,555
-Rp98,559
You pay $1,000.00
Rp12,489,788
-Rp137,327
You pay $1,000.00
Rp12,439,779
-Rp187,336
You pay $1,005.99
Rp12,430,096
-Rp197,018
You pay $1,000.00
Rp12,408,118
-Rp218,997
You pay $1,004.99
Rp12,349,062
-Rp278,053
You pay $1,004.99
Rp12,343,042
-Rp284,072
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.
For a $1,000 transfer to Indonesia, these are the cheapest, fastest and easiest options available now.
Best way to send money to Indonesia
Paysend is the cheapest and easiest option, funded by debit card with bank deposit for the payout. Your recipient gets 12,627,114.33 IDR, which is 0.03% 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 12,550,000 IDR in minutes.
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.
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.
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.
The rate has a direct impact on the IDR amount received. The last seven days show how today's CAD quote compares with the recent market.
Mid-market rate:1 CAD = 12,727.766818 IDR
Most of the pricing here comes straight from the companies, and anything we gather by hand is labelled in the table.
That covers 11 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.
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.
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