Wise is the best way to send money to Indonesia. Sending NZ$10,000 gets you 101,361,419 IDR on the other end.
| 5 of 5 providers Last updated on 10 November 2026 | |||
| Based on 10,000 NZD transfer Best companies for NZD/IDR transfers | |||
| Promoted  Wise Pay via Bank transfer | Fees: $34.37 1 NZD = 10171.1000 IDR -0.02% vs mid-market | Recipient gets Rp 101,361,419.00 Within 3 hours | |
Ways to receive money in Indonesia with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin 3 hoursAvailable via:Bank Transfer $34.371 NZD = 10171.1000 IDR Rp 101,361,419.00You pay$10,000.00 | |||
| Promoted  Xe Pay via Bank transfer | Fees: $0.00 1 NZD = 10060.6612 IDR +1.07% vs mid-market | Recipient gets Rp 100,606,612.00 6-12 Hours | |
Ways to receive money in Indonesia with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank deposit6-12 Hours Free1 NZD = 10060.6612 IDR Rp 100,606,612.00You pay$10,000.00 | |||
Run a live search Showing top New Zealand to Indonesia deals for 10,000 NZD. 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 NZD 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 NZD you're planning to spend in Indonesia. | |||
Run a live search These are managed services with real human support for large NZD transfers. Click the link and update the transfer amount to get the best deal. | |||
| Wise Pay via Bank transfer | Fees: $34.37 1 NZD = 10171.1000 IDR -0.02% vs mid-market | Recipient gets Rp 101,361,419.00 Within 3 hours | |
Ways to receive money in Indonesia with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin 3 hoursAvailable via:Bank Transfer $34.371 NZD = 10171.1000 IDR Rp 101,361,419.00You pay$10,000.00 | |||
 OFX Pay via Bank transfer | Fees: $0.00 1 NZD = 10118.3055 IDR +0.50% vs mid-market | Recipient gets Rp 101,183,054.64 6-12 Hours | |
Ways to receive money in Indonesia with OFX when paying by bank transfer. MethodFee & ratesRecipient gets Bank deposit6-12 Hours Free1 NZD = 10118.3055 IDR Rp 101,183,054.64You pay$10,000.00 | |||
| Pricing based on Revolut Standard plan  Revolut Pay via Bank transfer | Fees: $41.05 1 NZD = 10157.8191 IDR +0.11% vs mid-market | Recipient gets Rp 101,161,212.38 Within minutes | |
Ways to receive money in Indonesia with Revolut when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutes $41.051 NZD = 10157.8191 IDR Rp 101,161,212.38You pay$10,000.00 | |||
| US Disclaimer: Revolut is not a bank. Banking services are provided by Lead Bank, Member FDIC. Fees may apply. See revolut.com/en-US/ for details. | |||
 CurrencyFair Pay via Bank transfer | Fees: $1.97 1 NZD = 10096.4900 IDR +0.72% vs mid-market | Recipient gets Rp 100,944,900.00 6-12 Hours | |
Ways to receive money in Indonesia with CurrencyFair when paying by bank transfer. MethodFee & ratesRecipient gets Bank deposit6-12 Hours $1.971 NZD = 10096.4900 IDR Rp 100,944,900.00You pay$10,000.00 | |||
| Xe Pay via Bank transfer | Fees: $0.00 1 NZD = 10060.6612 IDR +1.07% vs mid-market | Recipient gets Rp 100,606,612.00 6-12 Hours | |
Ways to receive money in Indonesia with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank deposit6-12 Hours Free1 NZD = 10060.6612 IDR Rp 100,606,612.00You pay$10,000.00 | |||
| Xe Pay via Debit card | Fees: $40.00 1 NZD = 10060.6612 IDR +1.07% vs mid-market | Recipient gets Rp 100,204,185.55 6-12 Hours | |
Ways to receive money in Indonesia with Xe when paying by debit card. MethodFee & ratesRecipient gets Bank deposit6-12 Hours $40.001 NZD = 10060.6612 IDR Rp 100,204,185.55You pay$10,000.00 | |||
| Xe Pay via Credit card | Fees: $90.00 1 NZD = 10060.6612 IDR +1.07% vs mid-market | Recipient gets Rp 99,701,152.49 6-12 Hours | |
Ways to receive money in Indonesia with Xe when paying by credit card. MethodFee & ratesRecipient gets Bank deposit6-12 Hours $90.001 NZD = 10060.6612 IDR Rp 99,701,152.49You pay$10,000.00 | |||
| Pricing based on Revolut Standard plan Revolut Pay via Debit card | Fees: $190.00 1 NZD = 10157.8191 IDR +0.11% vs mid-market | Recipient gets Rp 99,648,205.23 Within minutes | |
Ways to receive money in Indonesia with Revolut when paying by debit card. MethodFee & ratesRecipient gets Bank depositWithin minutes $190.001 NZD = 10157.8191 IDR Rp 99,648,205.23You pay$10,000.00 | |||
| US Disclaimer: Revolut is not a bank. Banking services are provided by Lead Bank, Member FDIC. Fees may apply. See revolut.com/en-US/ for details. | |||
| How Our Results Work Mid-market rate: 1 NZD = 10169.1512 IDR Updates every 60 minutes. | |||
Transfer details
If you're sending a one-off transfer, then Wise is the best option.
Wise was the cheapest on 25 of the 30 days it quoted NZ$10,000 transfers to Indonesia.
For recurring transfers, I'd suggest using an app or a multi-currency account like Wise.
For large transfers (NZ$10k+), a broker like OFX is usually the best option.
New Zealand has no instant payment rail, so plan for the money to leave your account slower than you'd expect.
How much you send will affect the best option for you right now, so I suggest .
You can pay for the transfer via bank transfer, debit card, and credit card.
Bank transfers settle in batches a few times a business day, so a Friday evening payment can sit until Monday.
If you and the money transfer company use the same bank, it'll usually settle in seconds.
For your first transfer you'll need a photo ID and proof of address.
Nothing checks the recipient's name against the account number on an international transfer, so make sure to double check it.
How much NZD 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.
Our analysis shows Wise was the cheapest in 44% of the transfers from NZ$10,000 it quoted, and in 48% of all the transfers it quoted.
| Cheapest service | |||||
|---|---|---|---|---|---|
| $1,000 | 0.20% | $1.05 | Rp 10,141,338.03with bank transfer to bank deposit | +Rp 131,034.28 | |
| $5,000 | -0.02% | $17.92 | Rp 50,743,979.00with bank transfer to bank deposit | +Rp 512,266.86 | |
| $10,000This page | -0.02% | $34.37 | Rp 101,361,419.00with bank transfer to bank deposit | +Rp 760,076.34 | |
| $50,000 | 0.25% | $0.00 | Rp 508,569,214.94with bank transfer to bank deposit | +Rp 4,361,757.93 | |
| $250,000 | 0.20% | $0.00 | Rp 2,538,048,688.08with bank transfer to bank deposit | +Rp 20,175,788.15 |
Mid-market rate: 1 NZD = 10169.1512 IDR
The cheapest way to send NZD to IDR 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 10,000 NZD transfers to Indonesia.
Tue, 10 Nov 2026Mid-market rateRp 101,691,512.20 Wise Rp 101,361,419.00WiseRp 101,361,419.00OFXRp 101,183,054.64RevolutRp 101,161,212.38
| Exchange rate | Fees: | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 10036.7999 | – | Rp 100,367,998.79 | |
| | 10032.2000 | $34.37 | Rp 99,977,193.00 | −Rp 390,805.79 |
| | 9986.6159 | $0.00 | Rp 99,866,158.80 | −Rp 501,839.99 |
| | 10017.8535 | $41.05 | Rp 99,767,301.84 | −Rp 600,696.95 |
| Exchange rate | Fees: | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 10008.0120 | – | Rp 100,080,120.23 | |
| | 10024.3000 | $34.37 | Rp 99,898,465.00 | −Rp 181,655.23 |
| | 10002.2415 | $41.05 | Rp 99,611,822.75 | −Rp 468,297.48 |
| | 9957.9720 | $0.00 | Rp 99,579,719.63 | −Rp 500,400.60 |
| Exchange rate | Fees: | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 10064.3286 | – | Rp 100,643,285.58 | |
| | 10061.0000 | $34.37 | Rp 100,264,203.00 | −Rp 379,082.58 |
| | 10014.0069 | $0.00 | Rp 100,140,069.15 | −Rp 503,216.43 |
| | 10038.3796 | $41.05 | Rp 99,971,720.65 | −Rp 671,564.93 |
| Exchange rate | Fees: | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 10058.6054 | – | Rp 100,586,054.04 | |
| | 10062.7000 | $34.37 | Rp 100,281,145.00 | −Rp 304,909.04 |
| | 10008.3124 | $0.00 | Rp 100,083,123.77 | −Rp 502,930.27 |
| | 10047.8049 | $41.05 | Rp 100,065,586.61 | −Rp 520,467.43 |
| Exchange rate | Fees: | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 10202.4227 | – | Rp 102,024,227.28 | |
| | 10202.6000 | $34.37 | Rp 101,675,337.00 | −Rp 348,890.28 |
| | 10151.4106 | $0.00 | Rp 101,514,106.14 | −Rp 510,121.14 |
| | 10186.1541 | $41.05 | Rp 101,443,399.04 | −Rp 580,828.24 |
| Exchange rate | Fees: | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 10215.2881 | – | Rp 102,152,880.56 | |
| | 10209.9000 | $34.37 | Rp 101,748,086.00 | −Rp 404,794.56 |
| | 10164.2116 | $0.00 | Rp 101,642,116.16 | −Rp 510,764.40 |
| | 10139.5788 | $141.05 | Rp 99,965,600.61 | −Rp 2,187,279.95 |
| Exchange rate | Fees: | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 10215.2881 | – | Rp 102,152,880.56 | |
| | 10209.9000 | $34.37 | Rp 101,748,086.00 | −Rp 404,794.56 |
| | 10164.2116 | $0.00 | Rp 101,642,116.16 | −Rp 510,764.40 |
| | 10139.5788 | $141.05 | Rp 99,965,600.61 | −Rp 2,187,279.95 |
| Exchange rate | Fees: | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 10207.7716 | – | Rp 102,077,715.56 | |
| | 10208.0000 | $34.37 | Rp 101,729,151.00 | −Rp 348,564.56 |
| | 10156.7327 | $0.00 | Rp 101,567,326.98 | −Rp 510,388.58 |
| | 10188.0937 | $41.05 | Rp 101,462,716.16 | −Rp 614,999.40 |
| Exchange rate | Fees: | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 10229.4474 | – | Rp 102,294,474.10 | |
| | 10228.1000 | $34.37 | Rp 101,929,460.00 | −Rp 365,014.10 |
| | 10178.3002 | $0.00 | Rp 101,783,001.73 | −Rp 511,472.37 |
| | – | – | – | – |
| Exchange rate | Fees: | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 10246.9984 | – | Rp 102,469,983.75 | |
| | 10248.2000 | $34.37 | Rp 102,129,769.00 | −Rp 340,214.75 |
| | 10195.7634 | $0.00 | Rp 101,957,633.83 | −Rp 512,349.92 |
| | 10233.1504 | $41.05 | Rp 101,911,433.41 | −Rp 558,550.34 |
| Exchange rate | Fees: | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 10277.7169 | – | Rp 102,777,169.23 | |
| | 10274.2000 | $34.37 | Rp 102,388,876.00 | −Rp 388,293.23 |
| | 10226.3283 | $0.00 | Rp 102,263,283.38 | −Rp 513,885.85 |
| | 10257.3433 | $41.05 | Rp 102,152,369.35 | −Rp 624,799.88 |
| Exchange rate | Fees: | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 10288.7031 | – | Rp 102,887,030.84 | |
| | 10273.2000 | $34.37 | Rp 102,378,910.00 | −Rp 508,120.84 |
| | 10237.2596 | $0.00 | Rp 102,372,595.69 | −Rp 514,435.15 |
| | 10269.7558 | $41.05 | Rp 102,275,984.51 | −Rp 611,046.33 |
| Exchange rate | Fees: | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 10334.3004 | – | Rp 103,343,004.48 | |
| | 10282.6289 | $0.00 | Rp 102,826,289.46 | −Rp 516,715.02 |
| | 10315.3000 | $34.37 | Rp 102,798,463.00 | −Rp 544,541.48 |
| | 10253.8305 | $141.05 | Rp 101,092,002.10 | −Rp 2,251,002.38 |
| Exchange rate | Fees: | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 10334.3004 | – | Rp 103,343,004.48 | |
| | 10282.6289 | $0.00 | Rp 102,826,289.46 | −Rp 516,715.02 |
| | 10315.3000 | $34.37 | Rp 102,798,463.00 | −Rp 544,541.48 |
| | 10253.8305 | $141.05 | Rp 101,092,002.10 | −Rp 2,251,002.38 |
| Exchange rate | Fees: | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 10309.5305 | – | Rp 103,095,305.14 | |
| | 10308.6000 | $34.37 | Rp 102,731,693.00 | −Rp 363,612.14 |
| | 10257.9829 | $0.00 | Rp 102,579,828.61 | −Rp 515,476.53 |
| | 10297.9203 | $41.05 | Rp 102,556,473.05 | −Rp 538,832.09 |
| Exchange rate | Fees: | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 10334.4442 | – | Rp 103,344,442.24 | |
| | 10332.4000 | $34.37 | Rp 102,968,875.00 | −Rp 375,567.24 |
| | 10282.7720 | $0.00 | Rp 102,827,720.03 | −Rp 516,722.21 |
| | 10324.5117 | $41.05 | Rp 102,821,296.24 | −Rp 523,146.00 |
| Exchange rate | Fees: | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 10203.8309 | – | Rp 102,038,308.76 | |
| | 10229.0040 | $0.00 | Rp 102,290,040.00 | +Rp 251,731.24 |
| | 10204.0000 | $34.37 | Rp 101,689,289.00 | −Rp 349,019.76 |
| | 10152.8117 | $0.00 | Rp 101,528,117.22 | −Rp 510,191.54 |
| | 10192.6547 | $41.05 | Rp 101,508,138.24 | −Rp 530,170.52 |
| Exchange rate | Fees: | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 10194.2932 | – | Rp 101,942,932.48 | |
| | 10187.5000 | $34.37 | Rp 101,524,856.00 | −Rp 418,076.48 |
| | 10143.3218 | $0.00 | Rp 101,433,217.82 | −Rp 509,714.66 |
| | 10173.9024 | $41.05 | Rp 101,321,385.67 | −Rp 621,546.81 |
| Exchange rate | Fees: | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 10234.7036 | – | Rp 102,347,036.02 | |
| | 10230.2000 | $34.37 | Rp 101,950,388.00 | −Rp 396,648.02 |
| | 10183.5301 | $0.00 | Rp 101,835,300.84 | −Rp 511,735.18 |
| | 10217.4833 | $41.05 | Rp 101,755,405.62 | −Rp 591,630.40 |
| Exchange rate | Fees: | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 10231.9664 | – | Rp 102,319,664.29 | |
| | 10209.5000 | $34.37 | Rp 101,744,099.00 | −Rp 575,565.29 |
| | – | – | – | – |
| | – | – | – | – |
| Exchange rate | Fees: | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 10227.3351 | – | Rp 102,273,351.38 | |
| | 10176.1985 | $0.00 | Rp 101,761,984.62 | −Rp 511,366.76 |
| | 10209.5000 | $34.37 | Rp 101,744,099.00 | −Rp 529,252.38 |
| | 10173.3858 | $141.05 | Rp 100,298,902.35 | −Rp 1,974,449.03 |
| Exchange rate | Fees: | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 10210.2491 | – | Rp 102,102,490.84 | |
| | 10201.7000 | $34.37 | Rp 101,666,368.00 | −Rp 436,122.84 |
| | 10159.1978 | $0.00 | Rp 101,591,978.39 | −Rp 510,512.45 |
| | 10189.1157 | $41.05 | Rp 101,472,894.21 | −Rp 629,596.63 |
| Exchange rate | Fees: | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 10217.5388 | – | Rp 102,175,387.77 | |
| | 10219.4000 | $34.37 | Rp 101,842,759.00 | −Rp 332,628.77 |
| | 10166.4511 | $0.00 | Rp 101,664,510.83 | −Rp 510,876.94 |
| | 10205.3940 | $41.05 | Rp 101,635,008.37 | −Rp 540,379.40 |
| Exchange rate | Fees: | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 10227.2150 | – | Rp 102,272,149.60 | |
| | 10220.6000 | $34.37 | Rp 101,854,718.00 | −Rp 417,431.60 |
| | 10176.0789 | $0.00 | Rp 101,760,788.85 | −Rp 511,360.75 |
| | 10209.6666 | $41.05 | Rp 101,677,559.54 | −Rp 594,590.06 |
| Exchange rate | Fees: | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 10204.1910 | – | Rp 102,041,909.77 | |
| | 10196.0000 | $34.37 | Rp 101,609,563.00 | −Rp 432,346.77 |
| | 10153.1700 | $0.00 | Rp 101,531,700.22 | −Rp 510,209.55 |
| | 10184.7872 | $41.05 | Rp 101,429,786.61 | −Rp 612,123.16 |
| Exchange rate | Fees: | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 10076.7202 | – | Rp 100,767,202.31 | |
| | 10046.0215 | $0.00 | Rp 100,460,215.00 | −Rp 306,987.31 |
| | 10073.8000 | $34.37 | Rp 100,391,763.00 | −Rp 375,439.31 |
| | 10026.3366 | $0.00 | Rp 100,263,366.30 | −Rp 503,836.01 |
| | 10057.7914 | $41.05 | Rp 100,165,041.88 | −Rp 602,160.43 |
| Exchange rate | Fees: | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 10042.9712 | – | Rp 100,429,711.61 | |
| | 10049.1000 | $34.37 | Rp 100,145,612.00 | −Rp 284,099.61 |
| | 9992.7563 | $0.00 | Rp 99,927,563.05 | −Rp 502,148.56 |
| | 10000.4063 | $141.05 | Rp 98,593,505.36 | −Rp 1,836,206.25 |
| Exchange rate | Fees: | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 10020.3364 | – | Rp 100,203,364.30 | |
| | 10049.1000 | $34.37 | Rp 100,145,612.00 | −Rp 57,752.30 |
| | 9970.2347 | $0.00 | Rp 99,702,347.48 | −Rp 501,016.82 |
| | 10000.4063 | $141.05 | Rp 98,593,505.36 | −Rp 1,609,858.94 |
| Exchange rate | Fees: | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 10116.1383 | – | Rp 101,161,383.22 | |
| | 10119.5000 | $34.37 | Rp 100,847,193.00 | −Rp 314,190.22 |
| | 10065.5576 | $0.00 | Rp 100,655,576.30 | −Rp 505,806.92 |
| | 10098.6996 | $41.05 | Rp 100,572,443.95 | −Rp 588,939.27 |
| Exchange rate | Fees: | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 10169.1512 | – | Rp 101,691,512.20 | |
| | 10171.1000 | $34.37 | Rp 101,361,419.00 | −Rp 330,093.20 |
| | 10118.3055 | $0.00 | Rp 101,183,054.64 | −Rp 508,457.56 |
| | 10157.8191 | $41.05 | Rp 101,161,212.38 | −Rp 530,299.82 |
| Exchange rate | Fees: | Recipient gets | Difference |
|---|
| Mid-market rate | 10169.1512 | – | Rp 101,691,512.20 | |
|---|---|---|---|---|
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Each line shows what the recipient gets when you send $10,000, after fees, as quoted by each company. The mid-market line shows what $10,000 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 IDR per NZD than the mid-market rate can offer.
This could be due to money transfer offers, FX rate adjustments, or market competitiveness.
In the past month, a money transfer company beat the mid-market rate on 1 of the last 30 days.
Right now, Wise pays 101,361,419 IDR on 10,000 NZD, which is 330,093.20 IDR less than the mid-market amount.
Today's payout isn't the best this month though, since the highest receive amount was 102,968,875 IDR.
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.
Just because a company is the cheapest today doesn't mean it's always the best option for sending money to Indonesia.
We've tracked 147 comparisons to check how often today's top companies were the cheapest across 5 amounts over the past month.
Cheapest in 59% of them
Never the cheapest
Cheapest in 9% of them
Based on 35 comparisons across 5 amounts over the last 7 days.
Cheapest in 48% of them
Cheapest in 5% of them
Cheapest in 13% of them
Based on 147 comparisons across 5 amounts over the last 30 days.
Cheapest in 52% of them
Cheapest in 8% of them
Cheapest in 9% of them
Based on 225 comparisons across 5 amounts over the last 90 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 IDR, but it was the cheapest in only 48% of the 145 comparisons it appeared in over the past month.
OFX (today's second cheapest) was the cheapest in only 5% of its comparisons, so it's rarely the cheapest option for transfers to Indonesia.
If it's a one-off transfer, go with Wise, since it's the cheapest right now.
5 companies cover NZD/IDR transfers, between them you can send money via app, currency broker, online, multi-currency account, and global business account, and more.
Cheapest way to send NZD
The gap between the cheapest and most expensive way to send money from New Zealand is among the widest in the world, and money transfer companies and apps are usually the cheapest.
Wise charges NZ$34.37 and -0.02% markup on a NZ$10,000 transfer.
This will get you 101,361,419 IDR and it will arrive in same day.
In our comparisons over the past month, it was the cheapest online service on 28 of the 30 days it quoted.
Best support options
For house purchase abroad, an inheritance or a pension transfer, a broker like OFX charges no fee and adds 0.5% margin, with a real person on the phone dealing with everything end to end.
Our analysis shows OFX was the cheapest broker in 33% of the transfers from NZ$10,000 it quoted.
Also, you can send a small NZD/IDR transfer first to get the feel of the process before sending the rest.
I suggest getting a few quotes from brokers and seeing who's the cheapest.
Living across two countries
If you live between two countries, income in one, mortgage or family in the other, a multi-currency account holds both currencies and converts when you choose.
Wise converts NZ$10,000 at -0.02% markup and holds the IDR until you spend it.
Over the past month, it came out cheapest among multi-currency accounts on 100% of days.
It’s also great for travelling to Indonesia and spending it there.
For business payments from NZ
Companies like Wise Business, OFX, or Revolut Business handle business payments, recurring and batch payments, invoicing, and more.
Great for paying suppliers, contractors or staff in Indonesia, or getting paid in IDR.
With Wise, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending NZ$10,000 gives your recipient 101,361,419 IDR.
Pay in NZD by bank transfer, debit card, and credit card.
New Zealand bank payments still run in processing cycles, so allow time for the company to receive the payment before it can process the transfer to Indonesia.
The recipient in Indonesia can use bank deposit.
To send money directly to bank account or card, enter the recipient's bank details, account number and account-holder name.
You pay NZ$10,000.00
Rp101,361,419
Cheapest
You pay NZ$10,000.00
Rp100,204,186
-Rp1,157,233
You pay NZ$10,000.00
Rp99,701,152
-Rp1,660,267
Here are a few things to know about money transfers from New Zealand to Indonesia.
For a NZ$10,000 transfer to Indonesia, these are the current best options you have.
Cheapest
Wise is cheapest when funded by bank transfer with bank deposit for the payout. Your recipient gets 101,361,419 IDR, which is 0.18% more than the next best option.
Fastest
Revolut delivers 101,161,212.38 IDR in within minutes when you pay by bank transfer and the recipient uses bank deposit.
New Zealand reporting entities must report international wire transfers of NZ$1,000 or more to the Financial Intelligence Unit.
It does not mean you need permission or cannot send more than NZ$1,000.
The New Zealand Police guidance on prescribed transactions explains the reporting threshold.
Keep evidence showing where the money came from, particularly for a property sale, inheritance or transfer between your own accounts.
New Zealand bank payments run daily, but the transfer company still needs to receive and match your payment before sending IDR.
Debit-card funding may be confirmed sooner, although it can cost more.
New Zealand abolished gift duty, so there is no New Zealand gift tax simply because you send money to family in Indonesia.
Keep a record showing that it was a gift, loan or transfer of your own money because the recipient's tax position can differ.
New Zealand's Depositor Compensation Scheme covers eligible deposits at licensed deposit takers.
It does not cover money after it has been sent to a non-bank transfer company.
The Reserve Bank explains the scheme's scope in a bit more detail.
Most of our pricing comes straight from the companies, and anything collected by hand is labelled in the table as indicative.
That covers 5 registered financial service providers sending NZD to Indonesia, updated in real time on live searches and compared on rates, fees, speed and the ways to pay and collect.
In the past 30 days alone, we analysed 147 comparisons across 5 amounts.
This page covers the cheapest and fastest options for NZD/IDR 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 goes through our review. Learn more:
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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