How to send money to Indonesia from Nigeria with the best NGN-IDR rate
PayPal App (P2P Transfer) is the overall cheapest way to send money from Nigeria of the 3 options available. It will get you 4,398,579.62 IDR from 360,000 NGN transfer.
In Indonesia, you can withdraw money using bank deposit.
Use our filters below to find the best transfer option for your needs.
| 3 of 3 providers Last updated on 28 September 2026 | |||
| Based on 360,000 NGN transfer Best companies for NGN/IDR transfers | |||
Run a live search Showing top Nigeria to Indonesia deals for 360,000 NGN. 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 NGN 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 NGN you're planning to spend in Indonesia. | |||
Run a live search These are managed services with real human support for large NGN transfers. Click the link and update the transfer amount to get the best deal. | |||
| Send Money Between PayPal Accounts  PayPal App (P2P Transfer) Pay via Bank transfer | Fee ₦14,400.00 1 NGN = 12.7274 IDR +6.00% vs mid-market | Recipient gets Rp 4,398,579.62 Minutes | |
Ways to receive money in Indonesia with PayPal App (P2P Transfer) when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes ₦14,400.001 NGN = 12.7274 IDR Rp 4,398,579.62You pay₦360,000.00 | |||
| Send cash via a MoneyGram agent  MoneyGram Agent Pay via Bank transfer | Fee ₦14,400.00 1 NGN = 12.7274 IDR +6.00% vs mid-market | Recipient gets Rp 4,398,579.62 Minutes - 3 days | |
Ways to receive money in Indonesia with MoneyGram Agent when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 3 days ₦14,400.001 NGN = 12.7274 IDR Rp 4,398,579.62You pay₦360,000.00 | |||
| Send cash via a Western Union agent  Western Union Agent Pay via Bank transfer | Fee ₦10,800.00 1 NGN = 12.5920 IDR +7.00% vs mid-market | Recipient gets Rp 4,397,117.32 Minutes - 5 days | |
Ways to receive money in Indonesia with Western Union Agent when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 5 days ₦10,800.001 NGN = 12.5920 IDR Rp 4,397,117.32You pay₦360,000.00 | |||
| How Our Results Work Mid-market rate: 1 NGN = 13.5398 IDR Updates every 60 minutes. | |||
Transfer details
How to send money from Nigeria to Indonesia
Pick a company
Start with the best service, which is PayPal App (P2P Transfer) at 4,398,579.62 IDR for ₦360,000 transfer.
Most of the transfer apps you see advertised only bring money into Nigeria, but companies above can send it out.
Fund your transfer
You have 1 ways to pay, including bank transfer.
A transfer from your banking app is instant and free, and it's how nearly everyone pays.
Verify and send
First time round you'll need your BVN and a photo ID.
Get it done before the day you need to send, since it's the usual reason a first transfer stalls.
Check the rate you're shown against the day's rate before you confirm.
How much NGN are you sending to Indonesia?
How much NGN 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 | |||||
|---|---|---|---|---|---|
| ₦300,000 | 6.00% | ₦12,000.00 | Rp 3,665,850.11with bank transfer to bank deposit | +Rp 406.23 | |
| ₦360,000This page | 6.00% | ₦14,400.00 | Rp 4,398,579.62with bank transfer to bank deposit | +Rp 487.43 |
Mid-market rate: 1 NGN = 13.5398 IDR
Ways to fund NGN and receive IDR in Indonesia
With PayPal App (P2P Transfer), paying by bank transfer and receiving through a bank deposit is the cheapest combination. Sending ₦360,000 gives your recipient 4,398,579.62 IDR.
For paying in NGN, you can use bank transfer.
I suggest funding the NGN side by bank transfer
Use bank transfer to add NGN from your Nigerian account.
NIP moves the money to the specialist within Nigeria, then the specialist handles the cross-border transfer to Indonesia over internal network.
They can receive IDR using bank deposit.
To receive money as bank deposit (straight to their bank account), enter their bank and account details in Indonesia.
- 1 Bank transfer Bank deposit
You pay ₦360,000.00
Rp4,398,580
Cheapest
Things to know before sending NGN to Ghana
Sending money out of Nigeria is an access-to-FX problem first. The cheapest quote only matters if the company can legally accept NGN from a Nigerian resident.
Compare the available NGN/GHS options
Compare the available NGN/GHS options
There are 3 companies available for a ₦360,000 transfer to Indonesia, so the shortlist is smaller than it is for money coming into Nigeria.
Cheapest way to send money to Indonesia
The cheapest option is PayPal App (P2P Transfer), funded by bank transfer with bank deposit for the payout. Your recipient gets 4,398,579.62 IDR, which is 0% more than the next best option.
Fastest way to send money to Indonesia
The fastest option is PayPal App (P2P Transfer). Pay by bank transfer and choose bank deposit for the payout. Your recipient gets 4,398,579.62 IDR in minutes.
NIP stops at the Nigerian border
NIP stops at the Nigerian border
NIP can move NGN from your bank to the transfer company within Nigeria, but it does not send the money to Indonesia.
The company still needs an approved cross-border route for the conversion and payout.
For a bank wire, money already held in a domiciliary account is generally easier to document than foreign currency bought informally and deposited as cash.
Check the CBN licence
Check the CBN licence
Use the CBN's licensed institution records and confirm that the service is authorised for money transfers.
Do not send naira to a personal account or an unknown USDT seller because the quoted rate is better.
If the transfer fails, there may be no real way to recover it.
Check the NGN to IDR exchange rate
The NGN/IDR rate affects the final amount received in Indonesia, so compare the current quote with its recent range.
Mid-market rate:1 NGN = 13.580344 IDR
How we analyse the market
Only companies licensed to send money out of Nigeria make this table, which rules out most of the apps you'll see advertised.
We track 3 of them on NGN to IDR, comparing rates, fees and how the money is paid in and collected. Each goes through our review first.
Rates here move daily, so ours refresh in real time on live searches. More on who we are, why you can trust us and getting started.
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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