Xe is the best and cheapest service overall. On €7,000 you will get 143,966,783.1 IDR after fees and the exchange rate.
We’ve compared 9 money transfer companies in more detail below.
| 9 of 9 providers Last updated on 28 September 2026 | |||
| Based on 7,000 EUR transfer Best companies for EUR/IDR transfers | |||
| Promoted  Wise Pay via Bank transfer | Fee €36.69 1 EUR = 20439.0000 IDR +0.12% vs mid-market | Recipient gets Rp 142,323,093.00 Within minutes | |
Ways to receive money in Indonesia with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer €36.691 EUR = 20439.0000 IDR Rp 142,323,093.00You pay€7,000.00 | |||
| Promoted  Xe Pay via Debit card | Fee €0.00 1 EUR = 20566.6833 IDR -0.50% vs mid-market | Recipient gets Rp 143,966,783.10 Minutes - 24 hours | |
Ways to receive money in Indonesia with Xe when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 20566.6833 IDR Rp 143,966,783.10You pay€7,000.00 | |||
Run a live search Showing top Germany to Indonesia deals for 7,000 EUR. 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 EUR 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 EUR you're planning to spend in Indonesia. | |||
Run a live search These are managed services with real human support for large EUR transfers. Click the link and update the transfer amount to get the best deal. | |||
| Xe Pay via Debit card | Fee €0.00 1 EUR = 20566.6833 IDR -0.50% vs mid-market | Recipient gets Rp 143,966,783.10 Minutes - 24 hours | |
Ways to receive money in Indonesia with Xe when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 20566.6833 IDR Rp 143,966,783.10You pay€7,000.00 | |||
| Xe Pay via Bank transfer | Fee €0.00 1 EUR = 20566.6833 IDR -0.50% vs mid-market | Recipient gets Rp 143,966,783.10 Minutes - 24 hours | |
Ways to receive money in Indonesia with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 20566.6833 IDR Rp 143,966,783.10You pay€7,000.00 | |||
| Xe Pay via Credit card | Fee €0.00 1 EUR = 20566.6833 IDR -0.50% vs mid-market | Recipient gets Rp 143,966,783.10 Minutes - 24 hours | |
Ways to receive money in Indonesia with Xe when paying by credit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 20566.6833 IDR Rp 143,966,783.10You pay€7,000.00 | |||
| Exclusive: First Transfer Deal  Regency FX Pay via Bank transfer | Fee €0.00 1 EUR = 20408.9931 IDR +0.27% vs mid-market | Recipient gets Rp 142,862,951.51 Minutes - 24 hours | |
Ways to receive money in Indonesia with Regency FX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 20408.9931 IDR Rp 142,862,951.51You pay€7,000.00 | |||
 OFX Pay via Bank transfer | Fee €0.00 1 EUR = 20361.9253 IDR +0.50% vs mid-market | Recipient gets Rp 142,533,477.14 Minutes - 24 hours | |
Ways to receive money in Indonesia with OFX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 20361.9253 IDR Rp 142,533,477.14You pay€7,000.00 | |||
| Wise Pay via Bank transfer | Fee €36.69 1 EUR = 20439.0000 IDR +0.12% vs mid-market | Recipient gets Rp 142,323,093.00 Within minutes | |
Ways to receive money in Indonesia with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer €36.691 EUR = 20439.0000 IDR Rp 142,323,093.00You pay€7,000.00 | |||
 CurrencyFair Pay via Bank transfer | Fee €0.98 1 EUR = 20331.3000 IDR +0.65% vs mid-market | Recipient gets Rp 142,299,100.00 Minutes - 24 hours | |
Ways to receive money in Indonesia with CurrencyFair when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours €0.981 EUR = 20331.3000 IDR Rp 142,299,100.00You pay€7,000.00 | |||
| $0 fee on first online transfers  MoneyGram Pay via Debit card | Fee €9.99 1 EUR = 20314.9351 IDR +0.73% vs mid-market | Recipient gets Rp 142,204,545.70 Minutes - 24 hours | |
Ways to receive money in Indonesia with MoneyGram when paying by debit card. MethodFee & ratesRecipient gets Card depositMinutes - 24 hoursAvailable via:Bank Debit Card €9.991 EUR = 20314.9351 IDR Rp 142,204,545.70You pay€7,009.99 Cash pickupMinutes - 24 hours €9.991 EUR = 20022.8689 IDR Rp 140,160,082.30You pay€7,009.99 Bank depositMinutes - 24 hoursAvailable via:All Banks €9.991 EUR = 20022.5885 IDR Rp 140,158,119.50You pay€7,009.99 Mobile walletMinutes - 24 hoursAvailable via:Select Wallets €9.991 EUR = 20019.0730 IDR Rp 140,133,511.00You pay€7,009.99 | |||
| $0 fee on first online transfers MoneyGram Pay via Credit card | Fee €9.99 1 EUR = 20314.9351 IDR +0.73% vs mid-market | Recipient gets Rp 142,204,545.70 Minutes - 24 hours | |
Ways to receive money in Indonesia with MoneyGram when paying by credit card. MethodFee & ratesRecipient gets Card depositMinutes - 24 hoursAvailable via:Bank Debit Card €9.991 EUR = 20314.9351 IDR Rp 142,204,545.70You pay€7,009.99 Cash pickupMinutes - 24 hours €9.991 EUR = 20022.8689 IDR Rp 140,160,082.30You pay€7,009.99 Bank depositMinutes - 24 hoursAvailable via:All Banks €9.991 EUR = 20022.5885 IDR Rp 140,158,119.50You pay€7,009.99 Mobile walletMinutes - 24 hoursAvailable via:Select Wallets €9.991 EUR = 20019.0730 IDR Rp 140,133,511.00You pay€7,009.99 | |||
| Wise Pay via iDEAL/WERO | Fee €46.82 1 EUR = 20439.0000 IDR +0.12% vs mid-market | Recipient gets Rp 142,116,046.00 Within minutes | |
Ways to receive money in Indonesia with Wise when paying by ideal/wero. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer €46.821 EUR = 20439.0000 IDR Rp 142,116,046.00You pay€7,000.00 | |||
| Only available via Mobile App  Sendwave Pay via Debit card | Fee €0.99 1 EUR = 20267.8413 IDR +0.96% vs mid-market | Recipient gets Rp 141,854,824.01 Minutes - 3 days | |
Ways to receive money in Indonesia with Sendwave when paying by debit card. MethodFee & ratesRecipient gets Mobile moneyMinutes - 3 days €0.991 EUR = 20267.8413 IDR Rp 141,854,824.01You pay€7,000.00 Bank depositMinutes - 3 days €1.991 EUR = 20226.9787 IDR Rp 141,548,599.35You pay€7,000.00 | |||
| Pricing based on Revolut Standard plan  Revolut Pay via Bank transfer | Fee €44.00 1 EUR = 20361.7718 IDR +0.50% vs mid-market | Recipient gets Rp 141,636,484.54 Within minutes | |
Ways to receive money in Indonesia with Revolut when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutes €44.001 EUR = 20361.7718 IDR Rp 141,636,484.54You pay€7,000.00 | |||
| US Disclaimer: Revolut is not a bank. Banking services are provided by Lead Bank, Member FDIC. Fees may apply. See revolut.com/en-US/ for details. | |||
| Wise Pay via Debit card | Fee €91.67 1 EUR = 20439.0000 IDR +0.12% vs mid-market | Recipient gets Rp 141,199,357.00 Within minutes | |
Ways to receive money in Indonesia with Wise when paying by debit card. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer €91.671 EUR = 20439.0000 IDR Rp 141,199,357.00You pay€7,000.00 | |||
 TapTap Send Pay via Debit card | Fee €0.00 1 EUR = 20100.0000 IDR +1.80% vs mid-market | Recipient gets Rp 140,700,000.00 Minutes | |
Ways to receive money in Indonesia with TapTap Send when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes Free1 EUR = 20100.0000 IDR Rp 140,700,000.00You pay€7,000.00 Mobile walletMinutesAvailable via:DANA, GoPay, LinkAja, OVO, ShopeePay Free1 EUR = 20100.0000 IDR Rp 140,700,000.00You pay€7,000.00 | |||
| Wise Pay via Credit card | Fee €133.69 1 EUR = 20439.0000 IDR +0.12% vs mid-market | Recipient gets Rp 140,340,510.00 Within minutes | |
Ways to receive money in Indonesia with Wise when paying by credit card. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer €133.691 EUR = 20439.0000 IDR Rp 140,340,510.00You pay€7,000.00 | |||
| $0 fee on first online transfers MoneyGram Pay via Bank transfer | Fee €9.99 1 EUR = 20022.8689 IDR +2.18% vs mid-market | Recipient gets Rp 140,160,082.30 Minutes - 24 hours | |
Ways to receive money in Indonesia with MoneyGram when paying by bank transfer. MethodFee & ratesRecipient gets Cash pickupMinutes - 24 hours €9.991 EUR = 20022.8689 IDR Rp 140,160,082.30You pay€7,009.99 Bank depositMinutes - 24 hoursAvailable via:All Banks €9.991 EUR = 20022.5885 IDR Rp 140,158,119.50You pay€7,009.99 Mobile walletMinutes - 24 hoursAvailable via:Select Wallets €9.991 EUR = 20019.0730 IDR Rp 140,133,511.00You pay€7,009.99 | |||
| Pricing based on Revolut Standard plan Revolut Pay via Debit card | Fee €191.00 1 EUR = 20361.7718 IDR +0.50% vs mid-market | Recipient gets Rp 138,643,304.08 Within minutes | |
Ways to receive money in Indonesia with Revolut when paying by debit card. MethodFee & ratesRecipient gets Bank depositWithin minutes €191.001 EUR = 20361.7718 IDR Rp 138,643,304.08You pay€7,000.00 | |||
| US Disclaimer: Revolut is not a bank. Banking services are provided by Lead Bank, Member FDIC. Fees may apply. See revolut.com/en-US/ for details. | |||
| How Our Results Work Mid-market rate: 1 EUR = 20464.2465 IDR Updates every 60 minutes. | |||
Transfer details
For a one-off transfer from Germany, I suggest picking the cheapest option which is Xe.
On a 7,000 EUR transfer, Xe delivers the most IDR.
This will change depending on how much you actually send, so I suggest running a live search to get the best EUR/IDR rate.
You have 4 ways to pay, including bank transfer, debit card, credit card, and ideal.
First time round you'll need a photo ID and proof of your German address.
Video identification is also normal and takes a few minutes.
There are 9 companies for sending money from Germany to Indonesia, across app, broker, online, multi-currency account, global account, and in person, and more below.
Fastest and easiest way
Within the eurozone, SEPA covers all transfers, but outside, it gets very expensive and money transfer companies make it cheaper.
Sending €7,000 with Xe to Indonesia gets you 143,966,783.1 IDR with a €0 fee and -0.5% markup.
Debit cards (and Apple Pay / Google Pay) usually have instant deposits, but your girocard usually won't work as a funding method.
For paying in cash at a counter
There's no legal limit on how much you can send, so the counter in the kiosk, the callshop or the grocery store is still a popular way to send money internationally.
Deposit €7,000 to MoneyGram online, and choose cash pickup as delivery option. Once you pay, it should be available in minutes.
In general, online transfers are cheaper than sending cash to Indonesia.
For large transfers from Germany
For buying property, moving to Indonesia, or moving pensions, a currency broker is the best option.
A broker like Xe charges no fee and works on a margin. It adds -0.5% on EUR/IDR which gets negotiated the more you send.
And you get an account manager to help you through the process.
For some international payments above €50,000, German residents may need to file an AWV report with the Bundesbank, make sure to check in advance.
For making business payments
Global accounts are for businesses making payments to Indonesia.
Be it overseas suppliers and contractors, receiving IDR payments, or holding IDR and EUR in one business account.
Companies like Airwallex, WorldFirst, or Wise Business offer the best tools for international business transfers.
For spending & receiving
A multi-currency account lets you hold EUR and IDR in one account.
You get IDR bank details, and can receive international payments like rent, dividends, family payments without additional conversions.
You can convert IDR to EUR or EUR to IDR whenever you need.
The best multi currency account is Wise, it adds ~0.12% markup and charges small fees.
With Xe, paying by debit card and receiving through bank deposit is the cheapest way. Sending €7,000 gives your recipient 143,966,783.1 IDR.
You can pay for the transfer using bank transfer, debit card, credit card, and ideal.
Using German bank
A SEPA bank transfer is usually the cheapest way to deposit EUR.
An instant SEPA payment can reduce funding time, but it does not guarantee instant delivery to Indonesia.
The recipient in Indonesia can receive IDR by bank deposit, mobile wallet, card deposit, mobile money, and cash pickup.
To receive IDR by bank deposit
Enter the recipient's banking details and account holders name.
Check both before sending because correcting a bank deposit will delay the transfer.
They can receive cash in Indonesia
For cash pickup, the recipient needs to visit the nearest MoneyGram branch and bring a valid photo ID and the transfer reference number.
You pay €7,000.00
Rp143,966,783
Cheapest
You pay €7,000.00
Rp143,966,783
Rp0
You pay €7,000.00
Rp143,966,783
Rp0
You pay €7,009.99
Rp142,204,546
-Rp1,762,237
You pay €7,009.99
Rp142,204,546
-Rp1,762,237
You pay €7,000.00
Rp142,116,046
-Rp1,850,737
You pay €7,000.00
Rp141,854,824
-Rp2,111,959
You pay €7,000.00
Rp140,700,000
-Rp3,266,783
You pay €7,009.99
Rp140,160,082
-Rp3,806,701
You pay €7,009.99
Rp140,160,082
-Rp3,806,701
You pay €7,009.99
Rp140,160,082
-Rp3,806,701
You pay €7,009.99
Rp140,133,511
-Rp3,833,272
You pay €7,009.99
Rp140,133,511
-Rp3,833,272
The main question in Germany is whether you are sending euros inside SEPA or converting them. Large cross-border payments can also create a Bundesbank reporting duty.
For a €7,000 transfer to Indonesia, these are the best options:
Cheapest way to send money to Indonesia
The cheapest option is Xe, funded by debit card with bank deposit for the payout. Your recipient gets 143,966,783.1 IDR, which is 0.77% more than the next best option.
Fastest way to send money to Indonesia
The fastest option is Revolut. Pay by bank transfer and choose bank deposit for the payout. Your recipient gets 141,636,484.54 IDR in innerhalb von minuten.
Germany's AWV reporting threshold is €50,000.
A German resident may need to report a payment above that amount to the Bundesbank when it is made to a non-resident.
It is a statistics report, not a tax or permission request.
Transfers between your own domestic and foreign accounts are exempt, and other exemptions apply depending on the payment purpose.
The automated AWV notice shown by a bank does not mean every transfer is reportable.
The Bundesbank guidance for private individuals explains who reports, what is exempt and how to file.
If the recipient has a euro account in the SEPA area, a normal SEPA payment can be the simplest option.
A payment converted into IDR sits outside that pricing rule and may involve another bank or payout partner.
Check whether the quote uses SHA, OUR or BEN charges on a bank transfer.
This decides whether intermediary costs are shared, paid by you or deducted from what the recipient receives.
The EUR/IDR rate can move noticeably within a week, changing the amount your recipient gets in IDR.
Mid-market rate:1 EUR = 20,514.2507 IDR
Nothing reaches this table without going through our review first, and every company is BaFin-registered or passported into Germany.
We then track 9 of them on EUR to Indonesia, comparing rates, fees and the pay-in and payout options.
More on who we are, why you can trust us and how to get 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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