Best companies for EUR/IDR transfers
9 of 9 providers Last updated on 10 November 2026
Based on 7,000 EUR transfer Best companies for EUR/IDR transfers Sort Cheapest
Promoted Wise Pay via Bank transfer	Fee €36.69 1 EUR = 20287.5000 IDR 0.00% vs mid-market	Recipient gets Rp 141,268,152.00 Within minutes
25 reviews 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 €36.691 EUR = 20287.5000 IDR Rp 141,268,152.00You pay€7,000.00
Promoted Xe Pay via Debit card	Fee €0.00 1 EUR = 20055.6102 IDR +1.15% vs mid-market	Recipient gets Rp 140,389,271.40 Minutes - 24 hours
4 reviews Personal account managerReceive to bank accountDedicated support for larger transactions
Ways to receive money in Indonesia with Xe when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 20055.6102 IDR Rp 140,389,271.40You pay€7,000.00
Run a live search Showing top Spain 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 = 20232.6940 IDR +0.27% vs mid-market	Recipient gets Rp 141,628,858.11 Minutes - 24 hours
9 reviews 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 EUR = 20232.6940 IDR Rp 141,628,858.11You pay€7,000.00
OFX Pay via Bank transfer	Fee €0.00 1 EUR = 20186.0328 IDR +0.50% vs mid-market	Recipient gets Rp 141,302,229.84 Minutes - 24 hours
7 reviews 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 EUR = 20186.0328 IDR Rp 141,302,229.84You pay€7,000.00
Wise Pay via Bank transfer	Fee €36.69 1 EUR = 20287.5000 IDR 0.00% vs mid-market	Recipient gets Rp 141,268,152.00 Within minutes
25 reviews Our 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 €36.691 EUR = 20287.5000 IDR Rp 141,268,152.00You pay€7,000.00
Wise Pay via iDEAL	Fee €46.82 1 EUR = 20287.5000 IDR 0.00% vs mid-market	Recipient gets Rp 141,062,639.00 Within minutes
25 reviews Multi-currency cardReceive to bank accountDedicated support for large transfers
Ways to receive money in Indonesia with Wise when paying by ideal. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer €46.821 EUR = 20287.5000 IDR Rp 141,062,639.00You pay€7,000.00
Only available via Mobile App Sendwave Pay via Debit card	Fee €0.99 1 EUR = 20106.3223 IDR +0.90% vs mid-market	Recipient gets Rp 140,724,350.77 Minutes - 3 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 Mobile moneyMinutes - 3 days €0.991 EUR = 20106.3223 IDR Rp 140,724,350.77You pay€7,000.00 Bank depositMinutes - 3 days €1.991 EUR = 20065.7853 IDR Rp 140,420,566.54You pay€7,000.00
TapTap Send Pay via Debit card	Fee €0.00 1 EUR = 20100.0000 IDR +0.93% vs mid-market	Recipient gets Rp 140,700,000.00 Minutes
2 reviews Receive to bank account
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
Xe Pay via Debit card	Fee €0.00 1 EUR = 20055.6102 IDR +1.15% vs mid-market	Recipient gets Rp 140,389,271.40 Minutes - 24 hours
4 reviews Personal account managerReceive to bank accountDedicated support for larger transactions
Ways to receive money in Indonesia with Xe when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 20055.6102 IDR Rp 140,389,271.40You pay€7,000.00

Xe Pay via Bank transfer	Fee €0.00 1 EUR = 20055.6102 IDR +1.15% vs mid-market	Recipient gets Rp 140,389,271.40 Minutes - 24 hours
4 reviews Personal account managerReceive to bank accountDedicated support for larger transactions
Ways to receive money in Indonesia with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 20055.6102 IDR Rp 140,389,271.40You pay€7,000.00
Xe Pay via Credit card	Fee €0.00 1 EUR = 20055.6102 IDR +1.15% vs mid-market	Recipient gets Rp 140,389,271.40 Minutes - 24 hours
4 reviews Personal account managerReceive to bank accountDedicated support for larger transactions
Ways to receive money in Indonesia with Xe when paying by credit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 20055.6102 IDR Rp 140,389,271.40You pay€7,000.00
Pricing based on Revolut Standard plan Revolut Pay via Bank transfer	Fee €60.50 1 EUR = 20218.1879 IDR +0.34% vs mid-market	Recipient gets Rp 140,304,115.08 Within minutes
10 reviews Fastest Multi-currency cardReceive to bank account
Ways to receive money in Indonesia with Revolut when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutes €60.501 EUR = 20218.1879 IDR Rp 140,304,115.08You 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.
Wise Pay via Debit card	Fee €91.67 1 EUR = 20287.5000 IDR 0.00% vs mid-market	Recipient gets Rp 140,152,745.00 Within minutes
25 reviews Multi-currency cardReceive 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 €91.671 EUR = 20287.5000 IDR Rp 140,152,745.00You pay€7,000.00
Wise Pay via Credit card	Fee €133.69 1 EUR = 20287.5000 IDR 0.00% vs mid-market	Recipient gets Rp 139,300,264.00 Within minutes
25 reviews Multi-currency cardReceive 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 €133.691 EUR = 20287.5000 IDR Rp 139,300,264.00You pay€7,000.00
$0 fee on first online transfers MoneyGram Pay via Debit card	Fee €1.00 1 EUR = 19803.0129 IDR +2.42% vs mid-market	Recipient gets Rp 138,621,090.30 Minutes - 24 hours
2 reviews
Ways to receive money in Indonesia with MoneyGram when paying by debit card. MethodFee & ratesRecipient gets Cash pickupMinutes - 24 hours €1.001 EUR = 19803.0129 IDR Rp 138,621,090.30You pay€7,001.00 Mobile walletMinutes - 24 hoursAvailable via:Select Wallets €1.991 EUR = 19803.0129 IDR Rp 138,621,090.30You pay€7,001.99 Card depositMinutes - 24 hoursAvailable via:Bank Debit Card €5.701 EUR = 19803.0129 IDR Rp 138,621,090.30You pay€7,005.70 Bank depositMinutes - 24 hoursAvailable via:All Banks €1.991 EUR = 19634.3953 IDR Rp 137,440,767.10You pay€7,001.99

$0 fee on first online transfers MoneyGram Pay via Credit card	Fee €1.00 1 EUR = 19803.0129 IDR +2.42% vs mid-market	Recipient gets Rp 138,621,090.30 Minutes - 24 hours
2 reviews
Ways to receive money in Indonesia with MoneyGram when paying by credit card. MethodFee & ratesRecipient gets Cash pickupMinutes - 24 hours €1.001 EUR = 19803.0129 IDR Rp 138,621,090.30You pay€7,001.00 Mobile walletMinutes - 24 hoursAvailable via:Select Wallets €1.991 EUR = 19803.0129 IDR Rp 138,621,090.30You pay€7,001.99 Card depositMinutes - 24 hoursAvailable via:Bank Debit Card €5.701 EUR = 19803.0129 IDR Rp 138,621,090.30You pay€7,005.70 Bank depositMinutes - 24 hoursAvailable via:All Banks €1.991 EUR = 19634.3953 IDR Rp 137,440,767.10You pay€7,001.99
$0 fee on first online transfers MoneyGram Pay via Bank transfer	Fee €1.00 1 EUR = 19803.0129 IDR +2.42% vs mid-market	Recipient gets Rp 138,621,090.30 Minutes - 24 hours
2 reviews
Ways to receive money in Indonesia with MoneyGram when paying by bank transfer. MethodFee & ratesRecipient gets Cash pickupMinutes - 24 hours €1.001 EUR = 19803.0129 IDR Rp 138,621,090.30You pay€7,001.00 Mobile walletMinutes - 24 hoursAvailable via:Select Wallets €1.991 EUR = 19803.0129 IDR Rp 138,621,090.30You pay€7,001.99 Bank depositMinutes - 24 hoursAvailable via:All Banks €1.991 EUR = 19634.3953 IDR Rp 137,440,767.10You pay€7,001.99
Pricing based on Revolut Standard plan Revolut Pay via Debit card	Fee €221.00 1 EUR = 20218.1879 IDR +0.34% vs mid-market	Recipient gets Rp 137,059,095.92 Within minutes
10 reviews Multi-currency cardReceive to bank account
Ways to receive money in Indonesia with Revolut when paying by debit card. MethodFee & ratesRecipient gets Bank depositWithin minutes €221.001 EUR = 20218.1879 IDR Rp 137,059,095.92You 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.
Only available via Mobile App WorldRemit Pay via Debit card	Fee €0.00 1 EUR = 19173.9727 IDR +5.64% vs mid-market	Recipient gets Rp 134,217,808.69 Minutes - 2 days
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 depositMinutes - 2 days Free1 EUR = 19173.9727 IDR Rp 134,217,808.69You pay€7,000.00
How Our Results Work Mid-market rate: 1 EUR = 20287.4702 IDR Updates every 60 minutes.

Why compare

EUR/IDR exchange rate

Best ways to pay & receive

Transfer speed

How to send money from Spain to Indonesia

Pick a company

For a one-off transfer from Spain to Indonesia, I suggest picking Regency FX, it will get you the most IDR.

Regency FX was the cheapest on 22 of the 30 days it quoted €7,000 transfers to Indonesia.

The best option will change depending on the amount, so it's good to to get the best EUR/IDR rate today.

Fund your transfer

You have 4 ways to pay, including debit card, bank transfer, credit card, and iDEAL.

Bizum only works between Spanish accounts and caps at €1,000 per transfer (some banks set it lower), which is why these companies exist in the first place.

Verify and send

First time round you'll need your DNI, or your NIE if you're not Spanish, and a proof of address.

An empadronamiento certificate covers the address if you don't have a bill in your name yet.

Compare amounts

How much EUR are you sending to Indonesia?

How much EUR 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 76% of the transfers from €5,000 it quoted, and in 76% of all the transfers it quoted.


€500	0.38%	€0.00	Rp 10,094,107.00with debit card to bank deposit	+Rp 149,057.39
€1,000	0.31%	€0.50	Rp 20,206,954.65with bank transfer to bank deposit	+Rp 278,209.99
€2,000	-0.01%	€11.31	Rp 40,299,411.00with bank transfer to bank deposit	+Rp 513,333.35
€5,000	0.50%	€0.00	Rp 100,882,157.39with bank transfer to bank deposit	+Rp 1,222,926.67
€7,000This page	0.27%	€0.00	Rp 141,628,858.11with bank transfer to bank deposit	+Rp 1,937,602.61
€10,000	0.27%	€0.00	Rp 202,326,940.16with bank transfer to bank deposit	+Rp 2,228,097.60

Mid-market rate: 1 EUR = 20287.4702 IDR

EUR/IDR Exchange Rate History

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

The cheapest way to send EUR 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 7,000 EUR transfers to Indonesia.

Each line shows what the recipient gets when you send €7,000, after fees, as quoted by each company. The mid-market line shows what €7,000 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 EUR 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 3 of the last 30 days.

Right now, Regency FX pays 141,628,858.11 IDR on 7,000 EUR, which is 383,433.18 IDR less than the mid-market amount.

Today's payout isn't the best this month though, since the highest receive amount was 142,463,839.78 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 179 comparisons to check how often today's top companies were the cheapest across 6 amounts over the past month.

Regency FXAppeared in 58 comparisons
Cheapest in 76% of them
OFXAppeared in 175 comparisons
Cheapest in 9% of them
WiseAppeared in 177 comparisons
Cheapest in 1% of them

Based on 179 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 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, but it only quotes some of the amounts we track, so it isn't included in these figures.

OFX (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 Spain to Indonesia

9 companies send money from Spain to Indonesia, across app, currency broker, online, multi-currency account, global business account, and in person, and more.

Monthly remesas abroad

Money transfer apps

Sending monthly remesa is extremely popular in Spain.

Money transfer apps let you save contacts, schedule transfers, and lock-in rates.

Useful if you’re sending €100 to €300 monthly to Indonesia.

Wise charges €36.69 on a €7,000 transfer and pays out 141,268,152 IDR in within minutes, often straight into a mobile wallet, so the person receiving doesn't need a bank account.

Over the past month, Wise was the cheapest app on 30% of the days it appeared for €7,000 transfers.

You can pay for the transfers via debit card, bank transfer, credit card, and iDEAL, but Bizum is usually not accepted as a funding method.

For cash pickup and deposit

In-person transfers

The locutorio on the corner has been sending money home for decades, and for families who need to collect cash the same day, this is the best way.

Pay MoneyGram the €7,000 by card or transferencia, and they can collect cash in Indonesia.

Our data shows MoneyGram came out cheapest among in-person options on 100% of days in the past month.

Cash transfers are faster than online methods, but usually more expensive, so .

For one-off transfers

Online transfers

For medium sized or one-off transfers to Indonesia, an online money transfer service funded from your bank account is better than any bank.

Wise turns €7,000 into 141,268,152 IDR with a €36.69 fee and 0% markup.

In our comparisons over the past month, it was the cheapest online service on 29 of the 30 days it quoted.

Sending large amounts

Currency brokers

Currency brokers are best for sending €10,000+ to Indonesia. This can be things like selling property, moving a pension, moving back home, etc…

Regency FX charges no fee and works on a margin, with a person on the phone, and offices in Spain if you'd rather sit down with someone.

Our analysis shows Regency FX was the cheapest broker in 100% of the transfers from €5,000 it quoted.

For getting paid and spending abroad

Multi-currency accounts

If you often receive IDR (things like pensions, payments, salary, dividends, etc…), this is the best way to do it.

Because a multi-currency account gives you account details to receive IDR like a local and you can exchange it to EUR at any time.

The best multi-currency account in Spain with IDR support is offered by Wise.

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

For example, converting €7,000 gets you 141,268,152 IDR.

For businesses and autónomos paying abroad

Global accounts

Companies like Wise Business, Payoneer, or Airwallex are best suited for businesses in Spain making payments to Indonesia.

You can pay suppliers and freelancers, process invoices, make batch payments, and much more.

Ways to fund EUR and receive IDR in Indonesia

How you fund the transfer and how your recipient receives it affect the fees and how much IDR they get.

With Regency FX, paying by bank transfer and receiving through a bank deposit is the cheapest combination. Sending €7,000 gives your recipient 141,628,858.11 IDR.

For funding your transfer from Spain, you can use debit card, bank transfer, credit card, and iDEAL.

Bizum only supports domestic transfers in Spain, so it cannot send money to Indonesia directly.

Pay from your Spanish bank account

Deposit your funds with a SEPA Instant (essentially your bank transfer) using your ES IBAN.

It is fast to fund the transfer, although delivery to Indonesia depends on the company's payout time and delivery method.

In Indonesia, the recipient can use bank deposit, mobile wallet, mobile money, cash pickup, and card deposit to receive money.

Collect cash in Indonesia

Your recipient can collect IDR from a participating MoneyGram location in Indonesia.

1

Bank transfer Bank deposit

You pay €7,000.00

Rp141,628,858

Cheapest
2

iDEAL Bank deposit

You pay €7,000.00

Rp141,062,639

-Rp566,219
3

Debit card Mobile money

You pay €7,000.00

Rp140,724,351

-Rp904,507
4

Debit card Bank deposit

You pay €7,000.00

Rp140,700,000

-Rp928,858
5

Debit card Mobile wallet

You pay €7,000.00

Rp140,700,000

-Rp928,858

Show moreShow less

6

Credit card Bank deposit

You pay €7,000.00

Rp140,389,271

-Rp1,239,587
7

Bank transfer Cash pickup

You pay €7,001.00

Rp138,621,090

-Rp3,007,768
8

Bank transfer Mobile wallet

You pay €7,001.99

Rp138,621,090

-Rp3,007,768
9

Debit card Cash pickup

You pay €7,001.00

Rp138,621,090

-Rp3,007,768
10

Debit card Card deposit

You pay €7,005.70

Rp138,621,090

-Rp3,007,768
11

Credit card Cash pickup

You pay €7,001.00

Rp138,621,090

-Rp3,007,768
12

Credit card Mobile wallet

You pay €7,001.99

Rp138,621,090

-Rp3,007,768
13

Credit card Card deposit

You pay €7,005.70

Rp138,621,090

-Rp3,007,768

What to consider when sending money from Spain

Here are a few things to know before sending money from Spain to Indonesia.

Find the best EUR/IDR transfer

These are the current best options for sending €7,000 to Indonesia:

Cheapest option

Use Regency FX, pay by bank transfer and choose bank deposit for the payout. Your recipient gets 141,628,858.11 IDR, which is 0.23% more than the next best option.

Fastest option

With Revolut, a bank transfer payment to bank deposit gives your recipient 140,304,115.08 IDR, and its delivery time is within minutes.

SEPA & IDR are different

SEPA and SEPA Instant only work with euro payments, and Bizum largely operates in Spain.

Sending EUR to Indonesia is different because it needs a currency conversion.

SEPA or SEPA Instant can be used to fund the transfer itself (since both are in EUR), but it does not guarantee instant transfer to Indonesia.

Expect questions on a large payment

Your bank or transfer company can ask for a justificante showing the source and purpose of a large or unusual transfer.

Keep the sale agreement for property, an invoice for tuition or a bank statement for savings.

Ask your bank to raise its own online transfer limit before the payment is due, rather than splitting a payment to avoid a check.

Staying safe when sending money

A payment or electronic-money institution is not the same as a bank, so do not assume its stored balance has bank deposit protection.

For bank deposits, protection normally comes from the deposit guarantee scheme in the bank's home country.

For a transfer service, check how customer money is safeguarded and avoid leaving a large balance there longer than needed.

When in doubt, use the Banco de Espana register to check the legal entity behind a transfer service.

How we analyse the market

Every company here is authorised to operate in Spain, and you can check any of them on the Banco de España register yourself. We track 9 of them on EUR to IDR, comparing fees, rates and the ways money can be paid in and collected. In the past 30 days alone, we analysed 179 comparisons across 6 amounts.

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

Pricing mostly comes straight from the companies, and anything we collect by hand is marked in the table.

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 Spain

Send money to Indonesia

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Mon, 12 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	20067.6410	–	Rp 140,473,486.78
Regency FX Cheapest	20013.4583	€0.00	Rp 140,094,208.36	−Rp 379,278.42
OFX	19967.3028	€0.00	Rp 139,771,119.34	−Rp 702,367.44
Wise	20058.5000	€36.69	Rp 139,673,554.00	−Rp 799,932.78

Tue, 13 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	19985.3603	–	Rp 139,897,522.34
TapTap Send Cheapest	20000.0000	€0.00	Rp 140,000,000.00	+Rp 102,477.66
Regency FX	19931.3999	€0.00	Rp 139,519,799.03	−Rp 377,723.31
Wise	19999.3000	€36.69	Rp 139,261,326.00	−Rp 636,196.34
OFX	19885.4335	€0.00	Rp 139,198,034.73	−Rp 699,487.61

Wed, 14 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	19999.5049	–	Rp 139,996,534.33
TapTap Send Cheapest	20000.0000	€0.00	Rp 140,000,000.00	+Rp 3,465.67
Regency FX	19945.5062	€0.00	Rp 139,618,543.69	−Rp 377,990.64
Wise	20035.1000	€36.69	Rp 139,510,612.00	−Rp 485,922.33
OFX	19899.5074	€0.00	Rp 139,296,551.66	−Rp 699,982.67

Thu, 15 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	20098.6330	–	Rp 140,690,430.80
Regency FX Cheapest	20044.3667	€0.00	Rp 140,310,566.63	−Rp 379,864.17
OFX	19998.1398	€0.00	Rp 139,986,978.64	−Rp 703,452.16
Wise	20095.5000	€36.69	Rp 139,931,196.00	−Rp 759,234.80

Fri, 16 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	20250.0900	–	Rp 141,750,629.76
TapTap Send Cheapest	20200.0000	€0.00	Rp 141,400,000.00	−Rp 350,629.75
Regency FX	20195.4147	€0.00	Rp 141,367,903.05	−Rp 382,726.70
OFX	20148.8395	€0.00	Rp 141,041,876.61	−Rp 708,753.14
Wise	20253.4000	€36.69	Rp 141,030,703.00	−Rp 719,926.75

Sat, 17 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	20286.4555	–	Rp 142,005,188.68
TapTap Send Cheapest	20250.0000	€0.00	Rp 141,750,000.00	−Rp 255,188.68
Regency FX	20231.6821	€0.00	Rp 141,621,774.67	−Rp 383,414.01
OFX	20185.0232	€0.00	Rp 141,295,162.73	−Rp 710,025.95
Wise	20288.9000	€36.69	Rp 141,277,900.00	−Rp 727,288.68

Mon, 19 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	20224.9048	–	Rp 141,574,333.54
TapTap Send Cheapest	20200.0000	€0.00	Rp 141,400,000.00	−Rp 174,333.54
Regency FX	20170.2975	€0.00	Rp 141,192,082.84	−Rp 382,250.70
OFX	20123.7803	€0.00	Rp 140,866,461.87	−Rp 707,871.67
Wise	20222.6000	€36.69	Rp 140,816,233.00	−Rp 758,100.54

Tue, 20 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	20197.2349	–	Rp 141,380,644.50
TapTap Send Cheapest	20200.0000	€0.00	Rp 141,400,000.00	+Rp 19,355.50
Regency FX	20142.7024	€0.00	Rp 140,998,916.76	−Rp 381,727.74
OFX	20096.2488	€0.00	Rp 140,673,741.27	−Rp 706,903.23
Wise	20199.2000	€36.69	Rp 140,653,291.00	−Rp 727,353.50

Wed, 21 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	20260.8868	–	Rp 141,826,207.31
Regency FX Cheapest	20206.1824	€0.00	Rp 141,443,276.55	−Rp 382,930.76
OFX	20159.5823	€0.00	Rp 141,117,076.28	−Rp 709,131.03
Wise	20238.5000	€36.69	Rp 140,926,949.00	−Rp 899,258.31

Thu, 22 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	20288.9533	–	Rp 142,022,673.13
Regency FX Cheapest	20234.1731	€0.00	Rp 141,639,211.91	−Rp 383,461.22
OFX	20187.5085	€0.00	Rp 141,312,559.76	−Rp 710,113.37
Wise	20291.1000	€36.69	Rp 141,293,220.00	−Rp 729,453.13

Fri, 23 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	20252.8988	–	Rp 141,770,291.71
TapTap Send Cheapest	20200.0000	€0.00	Rp 141,400,000.00	−Rp 370,291.71
Regency FX	20198.2160	€0.00	Rp 141,387,511.92	−Rp 382,779.79
OFX	20151.6343	€0.00	Rp 141,061,440.25	−Rp 708,851.46
Wise	20230.4000	€36.69	Rp 140,870,547.00	−Rp 899,744.71

Sat, 24 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	20269.3510	–	Rp 141,885,456.76
Regency FX Cheapest	20214.6237	€0.00	Rp 141,502,366.02	−Rp 383,090.74
OFX	20168.0042	€0.00	Rp 141,176,029.47	−Rp 709,427.29
Wise	20266.0000	€36.69	Rp 141,118,440.00	−Rp 767,016.76

Mon, 26 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	20321.2763	–	Rp 142,248,934.00
Regency FX Cheapest	20266.4088	€0.00	Rp 141,864,861.87	−Rp 384,072.13
OFX	20219.6699	€0.00	Rp 141,537,689.33	−Rp 711,244.66
Wise	20324.4000	€36.69	Rp 141,525,098.00	−Rp 723,836.00

Tue, 27 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	20264.4093	–	Rp 141,850,865.40
Regency FX Cheapest	20209.6954	€0.00	Rp 141,467,868.06	−Rp 382,997.34
OFX	20163.0873	€0.00	Rp 141,141,611.07	−Rp 709,254.33
Wise	20265.6000	€36.69	Rp 141,115,655.00	−Rp 735,210.40

Wed, 28 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	20224.0869	–	Rp 141,568,608.08
Regency FX Cheapest	20169.4818	€0.00	Rp 141,186,372.83	−Rp 382,235.25
OFX	20122.9664	€0.00	Rp 140,860,765.04	−Rp 707,843.04
Wise	20223.7000	€36.69	Rp 140,823,892.00	−Rp 744,716.08

Thu, 29 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	20210.7331	–	Rp 141,475,131.36
Regency FX Cheapest	20156.1641	€0.00	Rp 141,093,148.50	−Rp 381,982.86
OFX	20109.6794	€0.00	Rp 140,767,755.70	−Rp 707,375.66
Wise	20205.0000	€36.69	Rp 140,693,679.00	−Rp 781,452.36

Fri, 30 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	20316.2285	–	Rp 142,213,599.36
Regency FX Cheapest	20261.3747	€0.00	Rp 141,829,622.64	−Rp 383,976.72
OFX	20214.6473	€0.00	Rp 141,502,531.36	−Rp 711,068.00
Wise	20310.5000	€36.69	Rp 141,428,308.00	−Rp 785,291.36

Sat, 31 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	20312.7148	–	Rp 142,189,003.41
Regency FX Cheapest	20257.8704	€0.00	Rp 141,805,093.10	−Rp 383,910.31
OFX	20211.1512	€0.00	Rp 141,478,058.39	−Rp 710,945.02
Wise	20236.8000	€36.69	Rp 140,915,112.00	−Rp 1,273,891.41

Mon, 2 Nov 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	20321.7051	–	Rp 142,251,935.94
Regency FX Cheapest	20266.8365	€0.00	Rp 141,867,855.71	−Rp 384,080.23
Wise	20340.4000	€36.69	Rp 141,636,511.00	−Rp 615,424.94
OFX	20220.0966	€0.00	Rp 141,540,676.26	−Rp 711,259.68

Tue, 3 Nov 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	20322.9950	–	Rp 142,260,965.32
Regency FX Cheapest	20268.1230	€0.00	Rp 141,876,860.71	−Rp 384,104.60
OFX	20221.3801	€0.00	Rp 141,549,660.49	−Rp 711,304.82
Wise	20318.3000	€36.69	Rp 141,482,622.00	−Rp 778,343.31

Wed, 4 Nov 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	20407.0762	–	Rp 142,849,533.52
Regency FX Cheapest	20351.9771	€0.00	Rp 142,463,839.78	−Rp 385,693.74
Wise	20431.0000	€36.69	Rp 142,267,387.00	−Rp 582,146.52
OFX	20305.0408	€0.00	Rp 142,135,285.85	−Rp 714,247.67

Thu, 5 Nov 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	20320.5821	–	Rp 142,244,074.97
Regency FX Cheapest	20265.7166	€0.00	Rp 141,860,015.97	−Rp 384,059.00
Wise	20335.7000	€36.69	Rp 141,603,783.00	−Rp 640,291.97
OFX	20218.9792	€0.00	Rp 141,532,854.60	−Rp 711,220.37

Fri, 6 Nov 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	20209.0983	–	Rp 141,463,687.96
Regency FX Cheapest	20154.5337	€0.00	Rp 141,081,736.00	−Rp 381,951.96
OFX	20108.0528	€0.00	Rp 140,756,369.52	−Rp 707,318.44
Wise	20210.6000	€36.69	Rp 140,732,673.00	−Rp 731,014.96

Sat, 7 Nov 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	20192.2582	–	Rp 141,345,807.44
Regency FX Cheapest	20137.7391	€0.00	Rp 140,964,173.75	−Rp 381,633.69
OFX	20091.2969	€0.00	Rp 140,639,078.40	−Rp 706,729.03
Wise	20184.4000	€36.69	Rp 140,550,234.00	−Rp 795,573.44

Mon, 9 Nov 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	20217.4554	–	Rp 141,522,187.62
Regency FX Cheapest	20162.8682	€0.00	Rp 141,140,077.71	−Rp 382,109.91
OFX	20116.3681	€0.00	Rp 140,814,576.68	−Rp 707,610.94
Wise	20215.7000	€36.69	Rp 140,768,186.00	−Rp 754,001.62

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