How to send money to Indonesia from UK with the best GBP-IDR rate

We’ve compared 8 companies, and found Regency FX to be the cheapest, while Wise the fastest.

Sending £6,000 gets you Rp142,037,926.74 with Regency FX at 23672.9878 rupees per pound, about 0.11% more than the next best option.

Best companies for GBP/IDR transfers

8 of 8 providers

Last updated on 27 September 2026

Based on 6,000 GBP transfer

Best companies for GBP/IDR transfers

Sort Cheapest
Promoted

Wise

Pay via Bank transfer
Fee £24.61 1 GBP = 23743.4000 IDR -0.03% vs mid-market Recipient gets Rp 141,876,075.00 Within minutes
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
£24.611 GBP = 23743.4000 IDR
Rp 141,876,075.00You pay£6,000.00
Promoted

Xe

Pay via Debit card
Fee £0.00 1 GBP = 23530.0574 IDR +0.88% vs mid-market Recipient gets Rp 141,180,344.40 Minutes - 24 hours
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 GBP = 23530.0574 IDR
Rp 141,180,344.40You pay£6,000.00

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Regency FX

Pay via Bank transfer
Fee £0.00 1 GBP = 23672.9878 IDR +0.27% vs mid-market Recipient gets Rp 142,037,926.74 Minutes - 24 hours
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 GBP = 23672.9878 IDR
Rp 142,037,926.74You pay£6,000.00

Wise

Pay via Bank transfer
Fee £24.61 1 GBP = 23743.4000 IDR -0.03% vs mid-market Recipient gets Rp 141,876,075.00 Within minutes
FastestRecommended
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
£24.611 GBP = 23743.4000 IDR
Rp 141,876,075.00You pay£6,000.00

CurrencyFair

Pay via Bank transfer
Fee £0.84 1 GBP = 23627.2000 IDR +0.46% vs mid-market Recipient gets Rp 141,743,200.00 Minutes - 24 hours
Receive to bank account

Ways to receive money in Indonesia with CurrencyFair when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
£0.841 GBP = 23627.2000 IDR
Rp 141,743,200.00You pay£6,000.00

OFX

Pay via Bank transfer
Fee £0.00 1 GBP = 23618.3925 IDR +0.50% vs mid-market Recipient gets Rp 141,710,355.07 Minutes - 24 hours
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 GBP = 23618.3925 IDR
Rp 141,710,355.07You pay£6,000.00

Wise

Pay via Debit card
Fee £43.58 1 GBP = 23743.4000 IDR -0.03% vs mid-market Recipient gets Rp 141,425,663.00 Within minutes
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
£43.581 GBP = 23743.4000 IDR
Rp 141,425,663.00You pay£6,000.00

TapTap Send

Pay via Debit card
Fee £0.00 1 GBP = 23550.0000 IDR +0.79% vs mid-market Recipient gets Rp 141,300,000.00 Minutes
Receive to bank account

Ways to receive money in Indonesia with TapTap Send when paying by debit card.

MethodFee & ratesRecipient gets
Bank depositMinutes
Free1 GBP = 23550.0000 IDR
Rp 141,300,000.00You pay£6,000.00
Mobile walletMinutesAvailable via:DANA, GoPay, LinkAja, OVO, ShopeePay
Free1 GBP = 23550.0000 IDR
Rp 141,300,000.00You pay£6,000.00

Xe

Pay via Debit card
Fee £0.00 1 GBP = 23530.0574 IDR +0.88% vs mid-market Recipient gets Rp 141,180,344.40 Minutes - 24 hours
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 GBP = 23530.0574 IDR
Rp 141,180,344.40You pay£6,000.00

Xe

Pay via Bank transfer
Fee £0.00 1 GBP = 23530.0574 IDR +0.88% vs mid-market Recipient gets Rp 141,180,344.40 Minutes - 24 hours
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 GBP = 23530.0574 IDR
Rp 141,180,344.40You pay£6,000.00

Xe

Pay via Credit card
Fee £0.00 1 GBP = 23530.0574 IDR +0.88% vs mid-market Recipient gets Rp 141,180,344.40 Minutes - 24 hours
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 GBP = 23530.0574 IDR
Rp 141,180,344.40You pay£6,000.00
Only available via Mobile App

Sendwave

Pay via Debit card
Fee £0.99 1 GBP = 23525.4361 IDR +0.90% vs mid-market Recipient gets Rp 141,129,326.30 Minutes - 3 days
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 GBP = 23525.4361 IDR
Rp 141,129,326.30You pay£6,000.00
Bank depositMinutes - 3 days
£0.991 GBP = 23525.4361 IDR
Rp 141,129,326.30You pay£6,000.00
$0 fee on first online transfers

MoneyGram

Pay via Debit card
Fee £1.99 1 GBP = 23491.8239 IDR +1.04% vs mid-market Recipient gets Rp 140,950,943.40 Minutes - 24 hours

Ways to receive money in Indonesia with MoneyGram when paying by debit card.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hoursAvailable via:All Banks
£1.991 GBP = 23491.8239 IDR
Rp 140,950,943.40You pay£6,001.99
Cash pickupMinutes - 24 hours
£4.991 GBP = 23434.7826 IDR
Rp 140,608,695.60You pay£6,004.99
Card depositMinutes - 24 hoursAvailable via:Bank Debit Card
£1.991 GBP = 23340.9100 IDR
Rp 140,045,460.00You pay£6,001.99
Mobile walletMinutes - 24 hoursAvailable via:Select Wallets
Free1 GBP = 23325.7148 IDR
Rp 139,954,288.80You pay£6,000.00
$0 fee on first online transfers

MoneyGram

Pay via Credit card
Fee £1.99 1 GBP = 23491.8239 IDR +1.04% vs mid-market Recipient gets Rp 140,950,943.40 Minutes - 24 hours

Ways to receive money in Indonesia with MoneyGram when paying by credit card.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hoursAvailable via:All Banks
£1.991 GBP = 23491.8239 IDR
Rp 140,950,943.40You pay£6,001.99
Cash pickupMinutes - 24 hours
£4.991 GBP = 23434.7826 IDR
Rp 140,608,695.60You pay£6,004.99
Card depositMinutes - 24 hoursAvailable via:Bank Debit Card
£1.991 GBP = 23340.9100 IDR
Rp 140,045,460.00You pay£6,001.99
Mobile walletMinutes - 24 hoursAvailable via:Select Wallets
Free1 GBP = 23325.7148 IDR
Rp 139,954,288.80You pay£6,000.00
$0 fee on first online transfers

MoneyGram

Pay via Bank transfer
Fee £1.99 1 GBP = 23491.8239 IDR +1.04% vs mid-market Recipient gets Rp 140,950,943.40 Minutes - 24 hours

Ways to receive money in Indonesia with MoneyGram when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hoursAvailable via:All Banks
£1.991 GBP = 23491.8239 IDR
Rp 140,950,943.40You pay£6,001.99
Cash pickupMinutes - 24 hours
£4.991 GBP = 23491.8239 IDR
Rp 140,950,943.40You pay£6,004.99
Mobile walletMinutes - 24 hoursAvailable via:Select Wallets
Free1 GBP = 23325.7148 IDR
Rp 139,954,288.80You pay£6,000.00

Wise

Pay via Credit card
Fee £157.26 1 GBP = 23743.4000 IDR -0.03% vs mid-market Recipient gets Rp 138,726,513.00 Within minutes
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
£157.261 GBP = 23743.4000 IDR
Rp 138,726,513.00You pay£6,000.00
How Our Results Work
Mid-market rate: 1 GBP = 23737.0779 IDR Updates every 60 minutes.

How to send money from UK to Indonesia

Pick a company

For a one-off transfer to Indonesia, I suggest picking the cheapest option which is Regency FX.

On a 6,000 GBP transfer, Regency FX delivers the most IDR.

The best option will change depending on how much you actually send, so I suggest to get the best GBP/IDR rate.

Fund your transfer

You have 3 ways to pay, including bank transfer, debit card, and credit card.

Paying from your bank is usually both cheapest and quickest, since most companies connect straight into your banking app via Open Banking.

Anywhere a debit card works, Apple Pay and Google Pay usually do too.

Verify and send

First time round you'll need to confirm your name, date of birth, address and a photo ID.

On £6,000 transfer it's normally instant but can take a couple hours.

Compare amounts

How much GBP are you sending to Indonesia?

How much GBP 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
£500-1.03%£0.00Rp 11,992,000.00with debit card to bank deposit+Rp 301,569.49
£1,000-0.03%£4.69Rp 23,632,043.00with bank transfer to bank deposit+Rp 199,206.31
£2,000-0.03%£8.66Rp 47,281,182.00with bank transfer to bank deposit+Rp 395,104.50
£6,000This page0.27%£0.00Rp 142,037,926.74with bank transfer to bank deposit+Rp 870,575.13
£10,0000.27%£0.00Rp 236,729,877.91with bank transfer to bank deposit+Rp 2,330,169.76
£250,0000.20%£0.00Rp 5,922,400,936.30with bank transfer to bank deposit+Rp 60,984,649.36

Mid-market rate: 1 GBP = 23737.0779 IDR

Ways to send money from the UK to Indonesia

There are many ways to send money to Indonesia from the UK, including app, broker, online, multi-currency account, global account, and in person, and more.

For small & frequent transfers

Money transfer apps

If you send small amounts back home to Indonesia, say weekly or monthly, an app like Wise is the easiest and cheapest way to do it.

It charges £24.61 in fees, has -0.03% markup, lets you save recipient details, and IDR will arrive in minutes.

For one off transfers

Online transfers

Sending money online is good for occasional medium sized IDR transfers, around £1,000 - £5,000.

Online companies like Wise often have higher limits and/or first time promos.

Of 1 online services, Wise is the cheapest and will get you Rp141,876,075 on £6,000 transfer.

For large transfers

Brokers

Currency brokers like Regency FX are the best for £10,000+ transfers (things like house deposits, education fees, relocation, etc.).

You get a dedicated account manager to handle your transfer to Indonesia, and 24/7 support.

Regency FX charges no fees on large transfers, but adds 0.27% markup on top of the current GBP/IDR rate.

The markup gets better the more GBP you send, so we suggest .

For fast money transfers

Cash transfer

Sending cash is the fastest way to send money from the UK to Indonesia, but is usually a bit more more expensive.

You will need to deposit £6,000 online via MoneyGram, and your recipient in Indonesia will be able to collect Rp140,950,943.4 in minutes.

For spending and receiving

Multi-currency accounts

Multi-currency accounts let you hold and spend Rupiahs abroad like a local.

Wise offers the best multi-currency account.

With it, converting £6,000 to IDR will get you Rp141,876,075 after fees.

If you don’t have IDR in your account, your GBP will auto-convert whenever you pay with Wise in Indonesia.

Once you have IDR in the account, there are no extra fees from Wise for spending or holding it (local ATM charges may still apply).

For business transfers

Global accounts

Global accounts are for UK businesses making payments overseas.

For suppliers, freelancers, salaries, or invoices in Indonesia, companies like Airwallex, WorldFirst, or Payoneer handle batch and recurring payments a consumer app simply can’t.

Ways to fund GBP and receive IDR in Indonesia

Pay-in and pay-out methods will affect how much GBP you deposit and how much IDR your recipient gets. Use the table below to see how different options change how much you pay and what they get.

The overall best and cheapest way to send £6,000 to Indonesia is via Regency FX, using a bank transfer to deposit GBP and bank deposit to receive IDR.

Depositing GBP

You have 3 pay-in options for transfers to Indonesia, including bank transfer, debit card, and credit card.

The cheapest pay-in option is bank transfer.

The fastest option in the UK is almost always bank transfer, since most companies use Open Banking and Faster Payments System (FPS).

The most expensive deposit option is credit card.

Be careful with credit card deposits, since your bank often treats it as a cash advance and will charge interest.

Receiving money in Indonesia

Money can reach Indonesia by bank deposit, mobile wallet, mobile money, cash pickup, and card deposit, and each delivery method comes with its own fees.

The cheapest way to receive money in Indonesia is with bank deposit on average.

Receiving cash

MoneyGram is the cheapest option for cash pickup ( getting you Rp140,950,943.4 on £6,000 transfer).

Mobile wallets

You can receive IDR into a mobile wallet, which is useful since they don't need a bank account.

Mobile money

You can send money directly to a mobile number in Indonesia.

and use our filters to find the company offering mobile money at the best GBP/IDR rate.

  1. 1
    Bank transfer Bank deposit

    You pay £6,000.00

    Rp142,037,927

    Cheapest

  2. 2
    Debit card Bank deposit

    You pay £6,000.00

    Rp141,425,663

    -Rp612,264

  3. 3
    Debit card Mobile wallet

    You pay £6,000.00

    Rp141,300,000

    -Rp737,927

  4. 4
    Credit card Bank deposit

    You pay £6,000.00

    Rp141,180,344

    -Rp857,582

  5. 5
    Debit card Mobile money

    You pay £6,000.00

    Rp141,129,326

    -Rp908,600

Show moreShow less
  1. 6
    Bank transfer Cash pickup

    You pay £6,004.99

    Rp140,950,943

    -Rp1,086,983

  2. 7
    Debit card Cash pickup

    You pay £6,004.99

    Rp140,608,696

    -Rp1,429,231

  3. 8
    Credit card Cash pickup

    You pay £6,004.99

    Rp140,608,696

    -Rp1,429,231

  4. 9
    Debit card Card deposit

    You pay £6,001.99

    Rp140,045,460

    -Rp1,992,467

  5. 10
    Credit card Card deposit

    You pay £6,001.99

    Rp140,045,460

    -Rp1,992,467

  6. 11
    Bank transfer Mobile wallet

    You pay £6,000.00

    Rp139,954,289

    -Rp2,083,638

  7. 12
    Credit card Mobile wallet

    You pay £6,000.00

    Rp139,954,289

    -Rp2,083,638

Consider this when sending GBP to Indonesia

There are a few nuances you should consider before sending GBP to Indonesia such as limits, taxes, and safety.

Compare GBP/IDR transfer options

Right now, these are the best money transfer options for £6,000 transfer to Indonesia:

Cheapest way to send money to Indonesia

The cheapest way is to use Regency FX, pay in with a bank transfer and withdraw via bank deposit. You will get Rp142,037,926.74, which is 0.11% more than the next best option.

Fastest way to send money to Indonesia

The fastest way is to use Wise via bank transfer deposit and bank deposit for pay out. You get Rp141,876,075 and it will arrive in within minutes.

UK transfer limits

There is no legal limit and no tax on sending your own money abroad.

Main hard limits come from your bank or money transfer company, often around £10,000 to £25,000 online (which you can usually increase in the app).

Also, the "£10,000 declaration" only applies to physically carrying cash through the border, not online transfers.

And on bigger GBP/IDR transfers (roughly £10,000 up) expect a source-of-funds check, such as a payslip or a statement.

That's anti-money-laundering checks, but it holds transfers up, so be prepared.

The transfer costs involved

Your cost is the fee plus the exchange-rate margin.

For example, sending Rp142,037,926.74 with Regency FX will get you 142,037,926.74 IDR, that’s including £0 fee and 0.27% in exchange rate markup.

A bank like on the other hand, will get you Rp0, that’s £ in fees but % in FX fees.

Taxes on money transfers

There is no UK tax for the act of sending money to Indonesia.

And, regular gifts out of your normal income are free of inheritance tax straight away, no cap and no seven-year wait.

Staying safe when sending abroad

Only ever use a provider authorised by the FCA, which you can check on the FCA register in under a minute.

The rules in place for any scams cover domestic pound transfers only, on a transfer abroad you're less protected.

Always confirm who you're really sending to before you send, because there's little recourse after.

For more information, check our guide to money transfer regulations in the UK.

Live GBP-IDR Exchange Rate

Finding the best exchange rate for GBP to IDR

The exchange rate you secure impacts how much IDR you get for your GBP, so waiting a day or two can get you more Rupiahs.

Mid-market rate:1 GBP = 23,921.217547 IDR

How we analyse the market

We track 8 regulated companies offering money transfers from the UK to Indonesia in real time.

We analyse the fees, exchange rates, deposit/withdrawal methods, and each goes through our internal review.

Most GBP/IDR pricing data comes directly from the providers. We collect the rest manually, run it through our comparison engine and label it in the table.

More on how we work:

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