Regency FX is the best and cheapest service overall. On €7,000 you will get 143,128,754.91 IDR after fees and the exchange rate.
We’ve compared 8 money transfer companies in more detail below.
| 8 of 8 providers Last updated on 4 September 2026 This page updates weekly. We collect, store, and analyze EUR/IDR exchange rates from our comparisons. | |||
| Based on 7,000 EUR transfer Best companies for EUR/IDR transfersAll money transfer offers for EUR/IDR transfers, sorted by most IDR received. The first two offers may be sponsored promotions. Some offers here pay us a commission. | |||
| Promoted  Wise Pay via Bank transfer | Fee €36.69 1 EUR = 20508.6000 IDR -0.03% vs mid-market | Recipient gets Rp 142,807,739.00 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 = 20508.6000 IDR Rp 142,807,739.00You pay€7,000.00 | |||
| Promoted  Xe Pay via Debit card | Fee €0.00 1 EUR = 20309.0766 IDR +0.95% vs mid-market | Recipient gets Rp 142,163,536.20 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 = 20309.0766 IDR Rp 142,163,536.20You 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. | |||
| Exclusive: First Transfer Deal  Regency FX Pay via Bank transfer | Fee €0.00 1 EUR = 20446.9650 IDR +0.27% vs mid-market | Recipient gets Rp 143,128,754.91 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 = 20446.9650 IDR Rp 143,128,754.91You pay€7,000.00 | |||
| Wise Pay via Bank transfer | Fee €36.69 1 EUR = 20508.6000 IDR -0.03% vs mid-market | Recipient gets Rp 142,807,739.00 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 = 20508.6000 IDR Rp 142,807,739.00You pay€7,000.00 | |||
 OFX Pay via Bank transfer | Fee €0.00 1 EUR = 20399.8096 IDR +0.50% vs mid-market | Recipient gets Rp 142,798,667.54 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 = 20399.8096 IDR Rp 142,798,667.54You pay€7,000.00 | |||
 CurrencyFair Pay via Bank transfer | Fee €0.98 1 EUR = 20393.9000 IDR +0.53% vs mid-market | Recipient gets Rp 142,737,300.00 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 = 20393.9000 IDR Rp 142,737,300.00You pay€7,000.00 | |||
| Wise Pay via iDEAL/WERO | Fee €46.82 1 EUR = 20508.6000 IDR -0.03% vs mid-market | Recipient gets Rp 142,599,987.00 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 = 20508.6000 IDR Rp 142,599,987.00You pay€7,000.00 | |||
| Pricing based on Revolut Standard plan  Revolut Pay via Bank transfer | Fee €44.00 1 EUR = 20450.3830 IDR +0.25% vs mid-market | Recipient gets Rp 142,252,864.36 Within minutes | |
Ways to receive money in Indonesia with Revolut when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutes €44.001 EUR = 20450.3830 IDR Rp 142,252,864.36You 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. | |||
| Xe Pay via Debit card | Fee €0.00 1 EUR = 20309.0766 IDR +0.95% vs mid-market | Recipient gets Rp 142,163,536.20 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 = 20309.0766 IDR Rp 142,163,536.20You pay€7,000.00 | |||
| Xe Pay via Bank transfer | Fee €0.00 1 EUR = 20309.0766 IDR +0.95% vs mid-market | Recipient gets Rp 142,163,536.20 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 = 20309.0766 IDR Rp 142,163,536.20You pay€7,000.00 | |||
| Xe Pay via Credit card | Fee €0.00 1 EUR = 20309.0766 IDR +0.95% vs mid-market | Recipient gets Rp 142,163,536.20 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 = 20309.0766 IDR Rp 142,163,536.20You pay€7,000.00 | |||
| Only available via Mobile App  WorldRemit Pay via Debit card | Fee €0.99 1 EUR = 20309.4411 IDR +0.95% vs mid-market | Recipient gets Rp 142,145,981.56 Minutes - 2 days | |
Ways to receive money in Indonesia with WorldRemit when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes - 2 days €0.991 EUR = 20309.4411 IDR Rp 142,145,981.56You pay€7,000.00 | |||
 TapTap Send Pay via Debit card | Fee €0.00 1 EUR = 20300.0000 IDR +0.99% vs mid-market | Recipient gets Rp 142,100,000.00 Minutes | |
Ways to receive money in Indonesia with TapTap Send when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes Free1 EUR = 20300.0000 IDR Rp 142,100,000.00You pay€7,000.00 Mobile walletMinutesAvailable via:DANA, GoPay, LinkAja, OVO, ShopeePay Free1 EUR = 20300.0000 IDR Rp 142,100,000.00You pay€7,000.00 | |||
| Wise Pay via Debit card | Fee €91.67 1 EUR = 20508.6000 IDR -0.03% vs mid-market | Recipient gets Rp 141,680,177.00 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 = 20508.6000 IDR Rp 141,680,177.00You pay€7,000.00 | |||
| Wise Pay via Credit card | Fee €133.69 1 EUR = 20508.6000 IDR -0.03% vs mid-market | Recipient gets Rp 140,818,405.00 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 = 20508.6000 IDR Rp 140,818,405.00You pay€7,000.00 | |||
| Pricing based on Revolut Standard plan Revolut Pay via Debit card | Fee €191.00 1 EUR = 20450.3830 IDR +0.25% vs mid-market | Recipient gets Rp 139,246,658.05 Within minutes | |
Ways to receive money in Indonesia with Revolut when paying by debit card. MethodFee & ratesRecipient gets Bank depositWithin minutes €191.001 EUR = 20450.3830 IDR Rp 139,246,658.05You 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 = 20502.321255 IDR Updates every 60 minutes. | |||
Transfer details
For a one-off transfer from Germany, I suggest picking the cheapest option which is Regency FX.
On a 7,000 EUR transfer, Regency FX 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 8 companies for sending money from Germany to Indonesia, across app, broker, online, multi-currency account, and global account, 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 Wise to Indonesia gets you 142,807,739 IDR with a €36.69 fee and -0.03% markup.
Debit cards (and Apple Pay / Google Pay) usually have instant deposits, but your girocard usually won't work as a funding method.
For large transfers from Germany
For buying property, moving to Indonesia, or moving pensions, a currency broker is the best option.
A broker like Regency FX charges no fee and works on a margin. It adds 0.27% 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 ~-0.03% markup and charges small fees.
With Regency FX, paying by bank transfer and receiving through bank deposit is the cheapest way. Sending €7,000 gives your recipient 143,128,754.91 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 and mobile wallet.
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.
You pay €7,000.00
Rp143,128,755
Cheapest
You pay €7,000.00
Rp142,599,987
-Rp528,768
You pay €7,000.00
Rp142,163,536
-Rp965,219
You pay €7,000.00
Rp142,163,536
-Rp965,219
You pay €7,000.00
Rp142,100,000
-Rp1,028,755
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 Regency FX, funded by bank transfer with bank deposit for the payout. Your recipient gets 143,128,754.91 IDR, which is 0.22% 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 142,252,864.36 IDR in within minutes.
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 = 20,518.625691 IDR
Nothing reaches this table without going through our review first, and every company is BaFin-registered or passported into Germany.
We then track 8 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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