Best companies for IDR/GHS transfers
1 of 1 providers Last updated on 28 October 2026
Based on 36,000,000 IDR transfer Best companies for IDR/GHS transfers Sort Cheapest
Promoted Wise Pay via Bank transfer	Fee Rp 542.145,00 1 IDR = 0.0006 GHS +0.24% vs mid-market	Recipient gets GH₵22.712,07 Within minutes
25 reviews Multi-currency cardReceive to bank accountDedicated support for large transfers
Ways to receive money in Ghana with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer Rp 542.145,001 IDR = 0.0006 GHS GH₵22.712,07You 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.
Wise Pay via Bank transfer	Fee Rp 542.145,00 1 IDR = 0.0006 GHS +0.24% vs mid-market	Recipient gets GH₵22.712,07 Within minutes
25 reviews CheapestFastestRecommended Multi-currency cardReceive to bank accountDedicated support for large transfers
Ways to receive money in Ghana with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer Rp 542.145,001 IDR = 0.0006 GHS GH₵22.712,07You payRp 36.000.000,00
How Our Results Work Mid-market rate: 1 IDR = 0.0006 GHS Updates every 60 minutes.

Why compare

IDR/GHS exchange rate

Best ways to pay & receive

Transfer speed

How to send money from Indonesia to Ghana

Pick a company

For a one-off transfer from Indonesia, I suggest picking the cheapest option which is Wise.

Wise was the cheapest on 14 of the 30 days it quoted Rp36,000,000 transfers to Ghana.

On a 36,000,000 IDR transfer, Wise 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.

Fund your transfer

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.

Verify and send

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).

Compare amounts

How much IDR are you sending to Ghana?

How much IDR you send to Ghana 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 Wise was the cheapest in 30% of the transfers from Rp36,000,000 it quoted, and in 48% of all the transfers it quoted.


Rp 10.000.000	0.22%	Rp 184.138,00	GH₵6.290,39with bank transfer to bank deposit	GH₵0,00
Rp 36.000.000This page	0.24%	Rp 542.145,00	GH₵22.712,07with bank transfer to bank deposit	GH₵0,00
Rp 50.000.000	0.27%	Rp 0,00	GH₵32.034,08with bank transfer to bank deposit	+GH₵230,83

Mid-market rate: 1 IDR = 0.0006 GHS

IDR/GHS Exchange Rate History

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

The cheapest way to send IDR to GHS 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 Wise), across 30 days of comparisons for 36,000,000 IDR transfers to Ghana.

GHS received for Rp 36.000.000, after fees

Each line shows what the recipient gets when you send Rp 36.000.000, after fees, as quoted by each company. The mid-market line shows what Rp 36.000.000 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 GHS per IDR than the mid-market rate can offer.

This could be due to money transfer offers, FX rate adjustments, or market competitiveness.

No company, app or bank beat the mid-market rate over the past month, meaning you lose a bit of GHS on every transfer from Indonesia.

Right now, Wise pays 22,712.07 GHS on 36,000,000 IDR, which is 403.46 GHS less than the mid-market amount.

Today's payout isn't the best this month though, since the highest receive amount was 23,667.55 GHS.

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 Ghana.

We've tracked 62 comparisons to check how often today's top companies were the cheapest across 3 amounts over the past month.

WiseAppeared in 62 comparisons
Cheapest in 48% of them

Based on 62 comparisons across 3 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 Wise is the cheapest and gets you the most GHS, but it was the cheapest in only 48% of the 62 comparisons it appeared in over the past month.

If it's a one-off transfer, go with Wise, since it's the cheapest right now.

Ways to send money from Indonesia to Ghana

1 companies send money from Indonesia to Ghana, using online, app, multi-currency account, and global account and other options.

One-off and everyday transfers

Online transfers

Wise charges 542145 IDR to send Rp36,000,000 and your recipient gets 22,712.07 GHS in within minutes.

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

Most of Indonesia’s outbound transfer services are local and licensed by Bank Indonesia.

Avoid unregulated money transfer companies, even if the exchange rate looks better.

Make sure to check for the words “berizin dan diawasi Bank Indonesia” on the company's website or app before sending.

Saving for future payments

Valas account

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

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.

Ways to fund IDR and receive GHS in Ghana

With Wise, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending Rp36,000,000 gives your recipient 22,712.07 GHS.

You can fund the IDR side through bank transfer.

Pay from Indonesian bank account

A money transfer company 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 send it to Ghana.

Your recipient can receive GHS by bank deposit.

1

Bank transfer Bank deposit

You pay Rp36,000,000.00

GH₵22,712

Cheapest

What to consider when sending IDR to Ghana

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.

Compare the IDR/GHS options

For a 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 Wise, funded by bank transfer with bank deposit for the payout. Your recipient gets 22,712.07 GHS, which is 0% more than the next best option.

Fastest way to send money to Ghana

Wise delivers 22,712.07 GHS in within minutes when you pay by bank transfer and choose bank deposit.

BI-FAST and QRIS are domestic only

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.

The purpose matters on larger payments

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.

How we analyse the market

Every company here holds a Bank Indonesia transfer licence, the thing worth checking before you trust anyone with your money.

We track 1 of them on IDR to Ghana, comparing rates, fees and the pay-in and payout options, refreshed in real time on live searches.

In the past 30 days alone, we analysed 62 comparisons across 3 amounts.

This page covers the cheapest and fastest options for IDR/GHS 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.

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.

Send money from Indonesia

Send money to Ghana

Tue, 29 Sept 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.0006	–	GH₵23.274,73
Wise Cheapest	0.0006	Rp 573.587,00	GH₵22.918,44	−GH₵356,29

Wed, 30 Sept 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.0007	–	GH₵23.498,45
Regency FX Cheapest	0.0007	Rp 0,00	GH₵23.435,00	−GH₵63,45
Wise	0.0007	Rp 598.005,00	GH₵23.116,41	−GH₵382,04

Thu, 1 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.0007	–	GH₵23.506,26
Regency FX Cheapest	0.0007	Rp 0,00	GH₵23.442,79	−GH₵63,47
Wise	0.0007	Rp 584.056,00	GH₵23.088,96	−GH₵417,30

Fri, 2 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.0007	–	GH₵23.731,62
Regency FX Cheapest	0.0007	Rp 0,00	GH₵23.667,55	−GH₵64,07
Wise	0.0007	Rp 580.568,00	GH₵23.210,32	−GH₵521,30

Sat, 3 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.0007	–	GH₵23.636,50
Regency FX Cheapest	0.0007	Rp 0,00	GH₵23.572,68	−GH₵63,82
Wise	0.0007	Rp 447.479,00	GH₵23.320,14	−GH₵316,36

Sun, 4 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.0007	–	GH₵23.584,08
Regency FX Cheapest	0.0007	Rp 0,00	GH₵23.520,40	−GH₵63,68
Wise	0.0007	Rp 447.479,00	GH₵23.320,14	−GH₵263,94

Mon, 5 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.0007	–	GH₵23.554,09
Regency FX Cheapest	0.0007	Rp 0,00	GH₵23.490,50	−GH₵63,59
Wise	0.0007	Rp 761.084,00	GH₵22.968,69	−GH₵585,40

Tue, 6 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.0007	–	GH₵23.561,02
Regency FX Cheapest	0.0007	Rp 0,00	GH₵23.497,40	−GH₵63,62
Wise	0.0007	Rp 657.166,00	GH₵23.168,68	−GH₵392,34

Wed, 7 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.0007	–	GH₵23.662,77
Regency FX Cheapest	0.0007	Rp 0,00	GH₵23.598,88	−GH₵63,89
Wise	0.0007	Rp 643.263,00	GH₵23.223,65	−GH₵439,12

Thu, 8 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.0007	–	GH₵23.730,81
Regency FX Cheapest	0.0007	Rp 0,00	GH₵23.666,73	−GH₵64,08
Wise	0.0007	Rp 650.215,00	GH₵23.405,66	−GH₵325,15

Fri, 9 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.0007	–	GH₵23.674,36
Regency FX Cheapest	0.0007	Rp 0,00	GH₵23.610,44	−GH₵63,92
Wise	0.0007	Rp 594.519,00	GH₵23.284,17	−GH₵390,19

Sat, 10 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.0007	–	GH₵23.683,67
Regency FX Cheapest	0.0007	Rp 0,00	GH₵23.619,73	−GH₵63,94
Wise	0.0007	Rp 500.132,00	GH₵23.356,46	−GH₵327,21

Mon, 12 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.0007	–	GH₵23.600,89
Regency FX Cheapest	0.0007	Rp 0,00	GH₵23.537,17	−GH₵63,72
Wise	0.0007	Rp 764.538,00	GH₵23.231,90	−GH₵368,99

Tue, 13 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.0007	–	GH₵23.695,55
Regency FX Cheapest	0.0007	Rp 0,00	GH₵23.631,57	−GH₵63,98
Wise	0.0007	Rp 517.648,00	GH₵23.249,39	−GH₵446,16

Thu, 15 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.0006	–	GH₵23.397,75
Regency FX Cheapest	0.0006	Rp 0,00	GH₵23.334,58	−GH₵63,17
Wise	0.0006	Rp 615.426,00	GH₵22.995,59	−GH₵402,16

Fri, 16 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.0006	–	GH₵23.262,48
Wise Cheapest	0.0006	Rp 601.492,00	GH₵22.863,97	−GH₵398,51

Sat, 17 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.0006	–	GH₵23.321,45
Wise Cheapest	0.0006	Rp 524.652,00	GH₵22.902,85	−GH₵418,60

Mon, 19 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.0006	–	GH₵23.379,97
Wise Cheapest	0.0006	Rp 671.056,00	GH₵22.877,19	−GH₵502,78

Tue, 20 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.0007	–	GH₵23.407,10
Regency FX Cheapest	0.0006	Rp 0,00	GH₵23.343,90	−GH₵63,20
Wise	0.0006	Rp 608.459,00	GH₵22.951,41	−GH₵455,69

Wed, 21 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.0006	–	GH₵23.258,77
Wise Cheapest	0.0006	Rp 629.349,00	GH₵22.832,75	−GH₵426,02

Thu, 22 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.0006	–	GH₵23.231,99
Wise Cheapest	0.0006	Rp 598.004,00	GH₵22.792,62	−GH₵439,37

Fri, 23 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.0006	–	GH₵23.067,24
Wise Cheapest	0.0006	Rp 587.543,00	GH₵22.757,43	−GH₵309,81

Sat, 24 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.0006	–	GH₵23.052,92
Wise Cheapest	0.0006	Rp 542.144,00	GH₵22.775,04	−GH₵277,88

Mon, 26 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.0006	–	GH₵22.987,17
Wise Cheapest	0.0006	Rp 743.806,00	GH₵22.638,71	−GH₵348,46

Tue, 27 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.0006	–	GH₵23.102,72
Wise Cheapest	0.0006	Rp 577.078,00	GH₵22.682,61	−GH₵420,11

How to send money to Ghana from Indonesia with the best IDR-GHS rate

Best companies for IDR/GHS transfers