Wise is cheapest for sending IDR to Germany. Pay by bank transfer for a bank deposit, and Rp4,200,000 gets your recipient 202.28 EUR.
We’ve compared 5 ways to send money from Indonesia with the best IDR/EUR rates.
| 5 of 5 providers Last updated on 4 September 2026 This page updates weekly. We collect, store, and analyze IDR/EUR exchange rates from our comparisons. | |||
| Based on 4,200,000 IDR transfer Best companies for IDR/EUR transfersAll money transfer offers for IDR/EUR transfers, sorted by most EUR received. The first two offers may be sponsored promotions. Some offers here pay us a commission. | |||
| Promoted  Wise Pay via Bank transfer | Fee Rp 50.281,00 1 IDR = 0.0000 EUR +0.06% vs mid-market | Recipient gets €202,28 Within minutes | |
Ways to receive money in Germany with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer Rp 50.281,001 IDR = 0.0000 EUR €202,28You payRp 4.200.000,00 | |||
Run a live search Showing top Indonesia to Germany deals for 4,200,000 IDR. 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 IDR to EUR rates. | |||
Run a live search These companies offer multi-currency accounts for spending EUR. We suggest doing a live search based on how much IDR you're planning to spend in Germany. | |||
Run a live search These are managed services with real human support for large IDR transfers. Click the link and update the transfer amount to get the best deal. | |||
| Wise Pay via Bank transfer | Fee Rp 50.281,00 1 IDR = 0.0000 EUR +0.06% vs mid-market | Recipient gets €202,28 Within minutes | |
Ways to receive money in Germany with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer Rp 50.281,001 IDR = 0.0000 EUR €202,28You payRp 4.200.000,00 | |||
 Grey Pay via Bank transfer | Fee Rp 0,50 1 IDR = 0.0000 EUR +8.00% vs mid-market | Recipient gets €188,47 Minutes | |
Ways to receive money in Germany with Grey when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes Rp 0,501 IDR = 0.0000 EUR €188,47You payRp 4.200.000,00 | |||
| Send Money Between PayPal Accounts  PayPal App (P2P Transfer) Pay via Bank transfer | Fee Rp 168.000,00 1 IDR = 0.0000 EUR +6.00% vs mid-market | Recipient gets €184,86 Minutes | |
Ways to receive money in Germany with PayPal App (P2P Transfer) when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes Rp 168.000,001 IDR = 0.0000 EUR €184,86You payRp 4.200.000,00 | |||
| Send cash via a MoneyGram agent  MoneyGram Agent Pay via Bank transfer | Fee Rp 168.000,00 1 IDR = 0.0000 EUR +6.00% vs mid-market | Recipient gets €184,86 Minutes - 3 days | |
Ways to receive money in Germany with MoneyGram Agent when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 3 days Rp 168.000,001 IDR = 0.0000 EUR €184,86You payRp 4.200.000,00 | |||
| Send cash via a Western Union agent  Western Union Agent Pay via Bank transfer | Fee Rp 126.000,00 1 IDR = 0.0000 EUR +7.00% vs mid-market | Recipient gets €184,80 Minutes - 5 days | |
Ways to receive money in Germany with Western Union Agent when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 5 days Rp 126.000,001 IDR = 0.0000 EUR €184,80You payRp 4.200.000,00 | |||
| How Our Results Work Mid-market rate: 1 IDR = 0.000049 EUR Updates every 60 minutes. | |||
Transfer details
For a one-off transfer from Indonesia, I suggest picking the cheapest option which is Wise.
On a 4,200,000 IDR transfer, Wise delivers the most EUR.
This will change depending on how much you actually send, so I suggest running a live search to get the best IDR/EUR rate.
You can fund the transfer using bank transfer.
With money transfer companies, you're given a virtual account number to pay into, and in many cases (depending on the company) you can use BI-FAST to fund it.
It costs about Rp2,500 and caps at Rp250 million.
First time round you'll likely need your KTP and a selfie with it to verify your account.
Larger transfers need documents showing what the money is for (such as tuition letter or similar).
5 companies send money from Indonesia to Germany, using multi-currency account, in person, online, app, and global account and other options.
One-off and everyday transfers
Wise charges 50281 IDR to send Rp4,200,000 and your recipient gets 202.28 EUR in within minutes.
Most Indonesia’s outbound transfer services are local and licensed by Bank Indonesia.
Avoid unregulated money transfer companies, even if the exhcnage rate looks better.
Make sure to check for the words “berizin dan diawasi Bank Indonesia” on providers website or app before sending.
For cash pickup
You have a few options to send cash to Germany, and the cheapest is MoneyGram Agent.
You will need to pay MoneyGram Agent online by bank transfer, and your recipient collects EUR in cash at the nearest branch.
Only use agents that hold Bank Indonesia transfer licence.
Saving for future payments
A valas account (a.k.a a multi-currency account) lets you convert IDR to EUR and hold it before spending abroad, travelling, or paying other bills in Germany.
This works well if you need EUR regularly, travel to Germany, or get paid in from there.
Paying suppliers
Global accounts help Indonesian businesses hold foreign currency and make regular payments to suppliers in Germany.
Wise Business and Payoneer handle recurring business transfers, but a bank’s solusi valas desk may be more useful when the payment needs invoices or other supporting documents.
With Wise, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending Rp4,200,000 gives your recipient 202.28 EUR.
You can fund the IDR side through bank transfer.
Pay from Indonesian bank account
A money transfer comapny will give you bank details for top-up, send money to it from your Indonesian bank.
BI-FAST can be used to fund the transfer inside Indonesia (some companies support it), but the company will then use an internal network to then send it to Germany.
Your recipient can receive EUR by bank deposit.
You pay Rp4,200,000.00
€202
Cheapest
The main check in Indonesia is whether the service is licensed to send money out. Many international brands only support transfers coming into the country.
For an Rp4,200,000 transfer to Germany, start with the final option that gets you the most EUR.
Cheapest way to send money to Germany
The cheapest option is Wise, funded by bank transfer with bank deposit for the payout. Your recipient gets 202.28 EUR, which is 6.83% more than the next best option.
Fastest way to send money to Germany
Wise delivers 202.28 EUR in within minutes when you pay by bank transfer and choose bank deposit.
BI-FAST can be used to deposit IDR to the transfer company's local account, but it does not send EUR to a person in Germany.
QRIS is also a payment system rather than an international person-to-person transfer.
Banks must record the purpose of an outgoing foreign-currency transfer and can ask for supporting documents such as invoices, agreements, etc.
Bank Indonesia's current foreign-exchange rules include documentation requirements once relevant thresholds are crossed.
Those thresholds and exemptions can change, so ask the bank what it needs before making a large transfer to Germany.
The number of EUR received depends on the rate used to convert your IDR. Compare today's quote with the recent market range before paying.
Mid-market rate:1 IDR = 0.000049 EUR
Every company here holds a Bank Indonesia transfer licence, the thing worth checking before you trust anyone with your money.
We track 5 of them on IDR to Germany, comparing rates, fees and the pay-in and payout options, refreshed in real time on live searches.
Each also goes through our review.
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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