Regency FX is cheapest for sending IDR to Ghana. Pay by bank transfer for a bank deposit, and Rp36,000,000 gets your recipient 23,286.2 GHS.
We’ve compared 2 ways to send money from Indonesia with the best IDR/GHS rates.
| 2 of 2 providers Last updated on 26 September 2026 | |||
| Based on 36,000,000 IDR transfer Best companies for IDR/GHS transfers | |||
| Promoted  Wise Pay via Bank transfer | Fee Rp 479.089,00 1 IDR = 0.0006 GHS -0.08% vs mid-market | Recipient gets GH₵23.057,72 Within minutes | |
Ways to receive money in Ghana with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer Rp 479.089,001 IDR = 0.0006 GHS GH₵23.057,72You payRp 36.000.000,00 | |||
Run a live search Showing top Indonesia to Ghana deals for 36,000,000 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 GHS rates. | |||
Run a live search These companies offer multi-currency accounts for spending GHS. We suggest doing a live search based on how much IDR you're planning to spend in Ghana. | |||
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. | |||
| Exclusive: First Transfer Deal  Regency FX Pay via Bank transfer | Fee Rp 0,00 1 IDR = 0.0006 GHS +0.27% vs mid-market | Recipient gets GH₵23.286,20 Minutes - 24 hours | |
Ways to receive money in Ghana with Regency FX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 IDR = 0.0006 GHS GH₵23.286,20You payRp 36.000.000,00 | |||
| Wise Pay via Bank transfer | Fee Rp 479.089,00 1 IDR = 0.0006 GHS -0.08% vs mid-market | Recipient gets GH₵23.057,72 Within minutes | |
Ways to receive money in Ghana with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer Rp 479.089,001 IDR = 0.0006 GHS GH₵23.057,72You payRp 36.000.000,00 | |||
| How Our Results Work Mid-market rate: 1 IDR = 0.0006 GHS Updates every 60 minutes. | |||
Transfer details
For a one-off transfer from Indonesia, I suggest picking the cheapest option which is Regency FX.
On a 36,000,000 IDR transfer, Regency FX delivers the most GHS.
This will change depending on how much you actually send, so I suggest running a live search to get the best IDR/GHS 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).
2 companies send money from Indonesia to Ghana, using online, app, multi-currency account, global account, and broker and other options.
One-off and everyday transfers
Wise charges 479089 IDR to send Rp36,000,000 and your recipient gets 23,057.72 GHS in within 3 hours.
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.
Saving for future payments
A valas account (a.k.a a multi-currency account) lets you convert IDR to GHS and hold it before spending abroad, travelling, or paying other bills in Ghana.
This works well if you need GHS regularly, travel to Ghana, or get paid in from there.
Paying suppliers
Global accounts help Indonesian businesses hold foreign currency and make regular payments to suppliers in Ghana.
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 Regency FX, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending Rp36,000,000 gives your recipient 23,286.2 GHS.
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 Ghana.
Your recipient can receive GHS by bank deposit.
You pay Rp36,000,000.00
GH₵23,286
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 Rp36,000,000 transfer to Ghana, start with the final option that gets you the most GHS.
Cheapest way to send money to Ghana
The cheapest option is Regency FX, funded by bank transfer with bank deposit for the payout. Your recipient gets 23,286.2 GHS, which is 0.98% more than the next best option.
Fastest way to send money to Ghana
Wise delivers 23,057.72 GHS in within 3 hours 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 GHS to a person in Ghana.
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 Ghana.
The number of GHS 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 = 0.000649 GHS
Every company here holds a Bank Indonesia transfer licence, the thing worth checking before you trust anyone with your money.
We track 2 of them on IDR to Ghana, 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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