How to send money to Indonesia from Poland with the best PLN-IDR rate

We’ve analysed and compared 6 money transfer companies below for PLN/IDR transfers.

Best companies for PLN/IDR transfers

6 of 6 providers

Last updated on 28 October 2026

Based on 30,000 PLN transfer

Best companies for PLN/IDR transfers

Sort Cheapest
Promoted

Wise

Pay via Bank transfer
Fee 214,77 zł 1 PLN = 4590.9400 IDR -0.04% vs mid-market Recipient gets 136.742.204,00 Rp Within an hour
Multi-currency cardReceive to bank accountDedicated support for large transfers

Ways to receive money in Indonesia with Wise when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositWithin an hourAvailable via:Bank Transfer
214,77 zł1 PLN = 4590.9400 IDR
136.742.204,00 RpYou pay30.000,00 zł
Promoted

Xe

Pay via Debit card
Fee 0,00 zł 1 PLN = 4505.1922 IDR +1.85% vs mid-market Recipient gets 135.155.766,00 Rp Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

Ways to receive money in Indonesia with Xe when paying by debit card.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 PLN = 4505.1922 IDR
135.155.766,00 RpYou pay30.000,00 zł

Run a live search

Showing top Poland to Indonesia deals for 30,000 PLN. Do a live search with your exact amount for today's best rates.

TapTap Send

Pay via Debit card
Fee 0,00 zł 1 PLN = 4600.0000 IDR -0.23% vs mid-market Recipient gets 138.000.000,00 Rp Minutes
Cheapest
Receive to bank account

Ways to receive money in Indonesia with TapTap Send when paying by debit card.

MethodFee & ratesRecipient gets
Bank depositMinutes
Free1 PLN = 4600.0000 IDR
138.000.000,00 RpYou pay30.000,00 zł
Mobile walletMinutesAvailable via:DANA, GoPay, LinkAja, OVO, ShopeePay
Free1 PLN = 4600.0000 IDR
138.000.000,00 RpYou pay30.000,00 zł
Exclusive: First Transfer Deal

Regency FX

Pay via Bank transfer
Fee 0,00 zł 1 PLN = 4576.9263 IDR +0.27% vs mid-market Recipient gets 137.307.790,31 Rp Minutes - 24 hours
Personal account managerReceive to bank accountProfessional, personal service

Ways to receive money in Indonesia with Regency FX when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 PLN = 4576.9263 IDR
137.307.790,31 RpYou pay30.000,00 zł

Wise

Pay via Bank transfer
Fee 214,77 zł 1 PLN = 4590.9400 IDR -0.04% vs mid-market Recipient gets 136.742.204,00 Rp Within an hour
Recommended
Multi-currency cardReceive to bank accountDedicated support for large transfers

Ways to receive money in Indonesia with Wise when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositWithin an hourAvailable via:Bank Transfer
214,77 zł1 PLN = 4590.9400 IDR
136.742.204,00 RpYou pay30.000,00 zł
Pricing based on Revolut Standard plan

Revolut

Pay via Bank transfer
Fee 310,00 zł 1 PLN = 4577.2038 IDR +0.26% vs mid-market Recipient gets 135.897.180,34 Rp Within minutes
Fastest
Multi-currency cardReceive to bank account

Ways to receive money in Indonesia with Revolut when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositWithin minutes
310,00 zł1 PLN = 4577.2038 IDR
135.897.180,34 RpYou pay30.000,00 zł

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.

Only available via Mobile App

WorldRemit

Pay via Debit card
Fee 3,00 zł 1 PLN = 4523.1764 IDR +1.45% vs mid-market Recipient gets 135.681.723,07 Rp Minutes - 2 days
Receive to bank account or cash pickup

Ways to receive money in Indonesia with WorldRemit when paying by debit card.

MethodFee & ratesRecipient gets
Bank depositMinutes - 2 days
3,00 zł1 PLN = 4523.1764 IDR
135.681.723,07 RpYou pay30.000,00 zł

Xe

Pay via Debit card
Fee 0,00 zł 1 PLN = 4505.1922 IDR +1.85% vs mid-market Recipient gets 135.155.766,00 Rp Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

Ways to receive money in Indonesia with Xe when paying by debit card.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 PLN = 4505.1922 IDR
135.155.766,00 RpYou pay30.000,00 zł

Xe

Pay via Bank transfer
Fee 0,00 zł 1 PLN = 4505.1922 IDR +1.85% vs mid-market Recipient gets 135.155.766,00 Rp Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

Ways to receive money in Indonesia with Xe when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 PLN = 4505.1922 IDR
135.155.766,00 RpYou pay30.000,00 zł

Xe

Pay via Credit card
Fee 0,00 zł 1 PLN = 4505.1922 IDR +1.85% vs mid-market Recipient gets 135.155.766,00 Rp Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

Ways to receive money in Indonesia with Xe when paying by credit card.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 PLN = 4505.1922 IDR
135.155.766,00 RpYou pay30.000,00 zł
Pricing based on Revolut Standard plan

Revolut

Pay via Debit card
Fee 940,00 zł 1 PLN = 4577.2038 IDR +0.26% vs mid-market Recipient gets 133.013.541,96 Rp Within minutes
Multi-currency cardReceive to bank account

Ways to receive money in Indonesia with Revolut when paying by debit card.

MethodFee & ratesRecipient gets
Bank depositWithin minutes
940,00 zł1 PLN = 4577.2038 IDR
133.013.541,96 RpYou pay30.000,00 zł

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 PLN = 4589.3175 IDR Updates every 60 minutes.

How to send money from Poland to Indonesia

Pick a company

Start with the cheapest option, which is TapTap Send. It will get you the most IDR on a PLN 30,000 transfer.

TapTap Send was the cheapest on 12 of the 29 days it quoted zł30,000 transfers to Indonesia.

This heavily depends on how much you send, so I suggest to get the best PLN/IDR rate.

Fund your transfer

You can fund your transfer to Indonesia using bank transfer, debit card, and credit card.

Depending on the transfer company, you can use BLIK, which is the quickest and easiest.

Verify and send

Before you send, you'll need to verify your account.

You'll need a photo ID and your PESEL.

Compare amounts

How much PLN are you sending to Indonesia?

How much PLN 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 TapTap Send was the cheapest in 56% of the transfers from PLN 20,000 it quoted, and in 51% of all the transfers it quoted.

Cheapest service
2.000 zł-0.18%0,00 zł9.194.640,00 Rpwith debit card to bank deposit+100.278,92 Rp
5.000 zł-0.20%0,00 zł23.005.000,00 Rpwith debit card to bank deposit+287.207,12 Rp
10.000 zł-0.23%0,00 zł46.000.000,00 Rpwith debit card to bank deposit+605.326,88 Rp
20.000 zł0.04%0,00 zł91.758.400,00 Rpwith debit card to bank deposit+978.136,86 Rp
30.000 złThis page-0.23%0,00 zł138.000.000,00 Rpwith debit card to bank deposit+2.210.029,15 Rp

Mid-market rate: 1 PLN = 4589.3175 IDR

PLN/IDR Exchange Rate History

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

The cheapest way to send PLN 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 TapTap Send), across 30 days of comparisons for 30,000 PLN transfers to Indonesia.

IDR received for 30.000 zł, after fees

Wed, 28 Oct 2026Mid-market rate137.679.525,03 Rp TapTap Send 138.000.000,00 RpTapTap Send138.000.000,00 RpRegency FX137.307.790,31 RpWise136.742.204,00 Rp

135M
136M
137M
138M
139M
140M
141M
At the mid-market rateWith the cheapest optionTapTap SendRegency FXWise
Exchange rateFeeRecipient getsDifference
Mid-market rate 4664.3505 – 139.930.514,55 Rp
Regency FX Cheapest 4651.7567 0,00 zł 139.552.702,16 Rp −377.812,39 Rp
Wise 4665.5000 214,77 zł 138.962.991,00 Rp −967.523,55 Rp
TapTap Send 4630.2800 0,00 zł 138.908.400,00 Rp −1.022.114,55 Rp
Exchange rateFeeRecipient getsDifference
Mid-market rate 4653.3822 – 139.601.466,09 Rp
Regency FX Cheapest 4640.8181 0,00 zł 139.224.542,13 Rp −376.923,96 Rp
Wise 4647.9000 214,77 zł 138.438.771,00 Rp −1.162.695,09 Rp
TapTap Send 4591.1900 0,00 zł 137.735.700,00 Rp −1.865.766,09 Rp
Exchange rateFeeRecipient getsDifference
Mid-market rate 4647.3079 – 139.419.236,37 Rp
Regency FX Cheapest 4634.7601 0,00 zł 139.042.804,43 Rp −376.431,94 Rp
Wise 4642.8600 214,77 zł 138.288.653,00 Rp −1.130.583,37 Rp
TapTap Send 4594.3900 0,00 zł 137.831.700,00 Rp −1.587.536,37 Rp
Exchange rateFeeRecipient getsDifference
Mid-market rate 4603.3554 – 138.100.661,94 Rp
Regency FX Cheapest 4590.9263 0,00 zł 137.727.790,15 Rp −372.871,79 Rp
Wise 4598.7200 214,77 zł 136.973.933,00 Rp −1.126.728,94 Rp
TapTap Send 4549.1200 0,00 zł 136.473.600,00 Rp −1.627.061,94 Rp
Exchange rateFeeRecipient getsDifference
Mid-market rate 4591.7983 – 137.753.948,52 Rp
Regency FX Cheapest 4579.4004 0,00 zł 137.382.012,86 Rp −371.935,66 Rp
Wise 4590.0100 214,77 zł 136.714.504,00 Rp −1.039.444,52 Rp
TapTap Send 4545.9000 0,00 zł 136.377.000,00 Rp −1.376.948,52 Rp
Exchange rateFeeRecipient getsDifference
Mid-market rate 4591.7983 – 137.753.948,52 Rp
Regency FX Cheapest 4579.4004 0,00 zł 137.382.012,86 Rp −371.935,66 Rp
Wise 4590.0100 214,77 zł 136.714.504,00 Rp −1.039.444,52 Rp
TapTap Send 4555.7700 0,00 zł 136.673.100,00 Rp −1.080.848,52 Rp
Exchange rateFeeRecipient getsDifference
Mid-market rate 4574.5685 – 137.237.054,31 Rp
Regency FX Cheapest 4562.2171 0,00 zł 136.866.514,26 Rp −370.540,05 Rp
Wise 4573.0600 214,77 zł 136.209.644,00 Rp −1.027.410,31 Rp
TapTap Send 4529.6700 0,00 zł 135.890.100,00 Rp −1.346.954,31 Rp
Exchange rateFeeRecipient getsDifference
Mid-market rate 4598.6784 – 137.960.352,69 Rp
Regency FX Cheapest 4586.2620 0,00 zł 137.587.859,74 Rp −372.492,95 Rp
Wise 4598.6600 214,77 zł 136.972.146,00 Rp −988.206,69 Rp
TapTap Send 4537.4600 0,00 zł 136.123.800,00 Rp −1.836.552,69 Rp
Exchange rateFeeRecipient getsDifference
Mid-market rate 4583.5746 – 137.507.239,29 Rp
Regency FX Cheapest 4571.1990 0,00 zł 137.135.969,74 Rp −371.269,55 Rp
Wise 4579.6800 214,77 zł 136.406.822,00 Rp −1.100.417,29 Rp
TapTap Send 4544.2000 0,00 zł 136.326.000,00 Rp −1.181.239,29 Rp
Exchange rateFeeRecipient getsDifference
Mid-market rate 4577.2979 – 137.318.938,23 Rp
Regency FX Cheapest 4564.9392 0,00 zł 136.948.177,10 Rp −370.761,13 Rp
Wise 4572.2200 214,77 zł 136.184.624,00 Rp −1.134.314,23 Rp
TapTap Send 4533.0500 0,00 zł 135.991.500,00 Rp −1.327.438,23 Rp
Exchange rateFeeRecipient getsDifference
Mid-market rate 4589.6425 – 137.689.276,05 Rp
Regency FX Cheapest 4577.2505 0,00 zł 137.317.515,00 Rp −371.761,05 Rp
Wise 4585.5500 214,77 zł 136.581.661,00 Rp −1.107.615,05 Rp
TapTap Send 4548.4900 0,00 zł 136.454.700,00 Rp −1.234.576,05 Rp
Exchange rateFeeRecipient getsDifference
Mid-market rate 4567.7403 – 137.032.209,87 Rp
Regency FX Cheapest 4555.4074 0,00 zł 136.662.222,90 Rp −369.986,97 Rp
Wise 4569.0200 214,77 zł 136.089.312,00 Rp −942.897,87 Rp
TapTap Send 4521.9300 0,00 zł 135.657.900,00 Rp −1.374.309,87 Rp
Exchange rateFeeRecipient getsDifference
Mid-market rate 4567.7403 – 137.032.209,87 Rp
Regency FX Cheapest 4555.4074 0,00 zł 136.662.222,90 Rp −369.986,97 Rp
Wise 4569.0200 214,77 zł 136.089.312,00 Rp −942.897,87 Rp
TapTap Send 4521.9300 0,00 zł 135.657.900,00 Rp −1.374.309,87 Rp
Exchange rateFeeRecipient getsDifference
Mid-market rate 4571.6523 – 137.149.568,46 Rp
Regency FX Cheapest 4559.3088 0,00 zł 136.779.264,63 Rp −370.303,83 Rp
Wise 4572.1300 214,77 zł 136.181.944,00 Rp −967.624,46 Rp
TapTap Send 4527.6500 0,00 zł 135.829.500,00 Rp −1.320.068,46 Rp
Exchange rateFeeRecipient getsDifference
Mid-market rate 4564.6949 – 136.940.847,36 Rp
Regency FX Cheapest 4552.3702 0,00 zł 136.571.107,07 Rp −369.740,29 Rp
Wise 4569.9200 214,77 zł 136.116.118,00 Rp −824.729,36 Rp
TapTap Send 4524.6600 0,00 zł 135.739.800,00 Rp −1.201.047,36 Rp
Exchange rateFeeRecipient getsDifference
Mid-market rate 4573.2402 – 137.197.204,83 Rp
Regency FX Cheapest 4560.8924 0,00 zł 136.826.772,38 Rp −370.432,45 Rp
Wise 4582.7800 214,77 zł 136.499.156,00 Rp −698.048,83 Rp
TapTap Send 4533.4200 0,00 zł 136.002.600,00 Rp −1.194.604,83 Rp
Exchange rateFeeRecipient getsDifference
Mid-market rate 4600.6446 – 138.019.338,45 Rp
Regency FX Cheapest 4588.2229 0,00 zł 137.646.686,24 Rp −372.652,21 Rp
TapTap Send 4587.2300 0,00 zł 137.616.900,00 Rp −402.438,45 Rp
Wise 4602.1600 214,77 zł 137.076.394,00 Rp −942.944,45 Rp
Exchange rateFeeRecipient getsDifference
Mid-market rate – – –
TapTap Send Cheapest 4621.1400 0,00 zł 138.634.200,00 Rp –
Wise 4640.5800 214,77 zł 138.220.743,00 Rp –
Regency FX No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 4642.9623 – 139.288.868,85 Rp
Regency FX Cheapest 4630.4263 0,00 zł 138.912.788,90 Rp −376.079,95 Rp
Wise 4642.8400 214,77 zł 138.288.057,00 Rp −1.000.811,85 Rp
TapTap Send No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 4642.9623 – 139.288.868,85 Rp
TapTap Send Cheapest 4635.6700 0,00 zł 139.070.100,00 Rp −218.768,85 Rp
Regency FX 4630.4263 0,00 zł 138.912.788,90 Rp −376.079,95 Rp
Wise 4642.8400 214,77 zł 138.288.057,00 Rp −1.000.811,85 Rp
Exchange rateFeeRecipient getsDifference
Mid-market rate 4627.1603 – 138.814.809,69 Rp
TapTap Send Cheapest 4629.1200 0,00 zł 138.873.600,00 Rp +58.790,31 Rp
Regency FX 4614.6670 0,00 zł 138.440.009,70 Rp −374.799,99 Rp
Wise 4627.4600 214,77 zł 137.829.960,00 Rp −984.849,69 Rp
Exchange rateFeeRecipient getsDifference
Mid-market rate 4612.3717 – 138.371.152,02 Rp
TapTap Send Cheapest 4610.2400 0,00 zł 138.307.200,00 Rp −63.952,02 Rp
Regency FX 4599.9183 0,00 zł 137.997.549,91 Rp −373.602,11 Rp
Wise 4612.1900 214,77 zł 137.375.140,00 Rp −996.012,02 Rp
Exchange rateFeeRecipient getsDifference
Mid-market rate 4640.4152 – 139.212.456,18 Rp
TapTap Send Cheapest 4632.5800 0,00 zł 138.977.400,00 Rp −235.056,18 Rp
Regency FX 4627.8861 0,00 zł 138.836.582,55 Rp −375.873,63 Rp
Wise 4638.4400 214,77 zł 138.157.002,00 Rp −1.055.454,18 Rp
Exchange rateFeeRecipient getsDifference
Mid-market rate 4647.0607 – 139.411.821,27 Rp
TapTap Send Cheapest 4641.8000 0,00 zł 139.254.000,00 Rp −157.821,27 Rp
Regency FX 4634.5136 0,00 zł 139.035.409,35 Rp −376.411,92 Rp
Wise 4645.2400 214,77 zł 138.359.542,00 Rp −1.052.279,27 Rp
Exchange rateFeeRecipient getsDifference
Mid-market rate 4603.6864 – 138.110.592,42 Rp
TapTap Send Cheapest 4616.3900 0,00 zł 138.491.700,00 Rp +381.107,58 Rp
Regency FX 4591.2565 0,00 zł 137.737.693,82 Rp −372.898,60 Rp
Wise 4603.3300 214,77 zł 137.111.243,00 Rp −999.349,42 Rp
Exchange rateFeeRecipient getsDifference
Mid-market rate 4604.0443 – 138.121.329,78 Rp
TapTap Send Cheapest 4603.9000 0,00 zł 138.117.000,00 Rp −4.329,78 Rp
Regency FX 4591.6134 0,00 zł 137.748.402,19 Rp −372.927,59 Rp
Wise 4602.9700 214,77 zł 137.100.520,00 Rp −1.020.809,78 Rp
Exchange rateFeeRecipient getsDifference
Mid-market rate 4604.0443 – 138.121.329,78 Rp
TapTap Send Cheapest 4611.0200 0,00 zł 138.330.600,00 Rp +209.270,22 Rp
Wise 4602.9700 214,77 zł 137.100.520,00 Rp −1.020.809,78 Rp
Regency FX No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 4619.7166 – 138.591.497,58 Rp
TapTap Send Cheapest 4611.5800 0,00 zł 138.347.400,00 Rp −244.097,58 Rp
Regency FX 4607.2434 0,00 zł 138.217.300,54 Rp −374.197,04 Rp
Wise 4619.7200 214,77 zł 137.599.423,00 Rp −992.074,58 Rp
Exchange rateFeeRecipient getsDifference
Mid-market rate 4597.0115 – 137.910.345,75 Rp
TapTap Send Cheapest 4596.3900 0,00 zł 137.891.700,00 Rp −18.645,75 Rp
Regency FX 4584.5996 0,00 zł 137.537.987,82 Rp −372.357,93 Rp
Wise 4597.7400 214,77 zł 136.944.743,00 Rp −965.602,75 Rp
Exchange rateFeeRecipient getsDifference
Mid-market rate 4589.3175 – 137.679.525,03 Rp
TapTap Send Cheapest 4600.0000 0,00 zł 138.000.000,00 Rp +320.474,97 Rp
Regency FX 4576.9263 0,00 zł 137.307.790,31 Rp −371.734,72 Rp
Wise 4590.9400 214,77 zł 136.742.204,00 Rp −937.321,03 Rp

Exchange rateFeeRecipient getsDifference

Each line shows what the recipient gets when you send 30.000 zł, after fees, as quoted by each company. The mid-market line shows what 30.000 zł 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 PLN 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 4 of the last 30 days.

Right now, TapTap Send pays 138,000,000 IDR on 30,000 PLN, which is 320,474.97 IDR more than the mid-market amount, so it's a good deal (pretty much free money).

Today's payout isn't the best this month though, since the highest receive amount was 139,552,702.16 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.

If you need to send money now, it's a good time to send.

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 Indonesia.

We've tracked 94 comparisons to check how often today's top companies were the cheapest across 5 amounts over the past month.

  1. TapTap SendAppeared in 89 comparisons

    Cheapest in 51% of them

  2. Regency FXAppeared in 28 comparisons

    Cheapest in 64% of them

  3. WiseAppeared in 94 comparisons

    Cheapest in 6% of them

Based on 94 comparisons across 5 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 TapTap Send is the cheapest and gets you the most IDR, and it was also the cheapest in 51% of the 89 comparisons it appeared in over the past month.

It's a good pick for both one-off and regular transfers to Indonesia.

Ways to send money from Poland to Indonesia

6 companies send money from Poland to Indonesia, across app, broker, online, multi-currency account, and global account, and more.

Simplest way to send PLN

Money transfer apps

Most transfer apps let you fund transfers via Apple Pay, Google Pay, bank transfer, debit card, and credit card.

TapTap Send charges 0 PLN on a zł30,000 transfer and delivers 138,000,000 IDR in minutes, straight to the recipient's bank card or account.

Over the past month, TapTap Send was the cheapest app on 45% of the days it appeared for zł30,000 transfers.

Mid-size and one-off transfers

Online transfers

Anyone who's done a bank transfer abroad from Poland knows the OUR, SHA, BEN question, who pays the correspondent banks along the way.

Online services like Wise move money inside their own network instead, which is much cheaper and gets you more IDR.

The cheapest way to send money online from Poland to Indonesia is via Wise.

Sending 30,000 PLN gets you 136,742,204 IDR (after 214.77 fee and -0.04% markup).

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

Converting and spending

Multi-currency accounts

Multi-currency accounts let you hold PLN and IDR in one account.

This is useful for travelling to Indonesia, getting paid in IDR, or pre-converting when PLN/IDR rate is good.

You can convert between them whenever you want, and once you have IDR there are no fees after.

The best multi-currency account for holding PLN and IDR is Wise.

For example, it converts zł30,000 at -0.04% markup and a small fee.

Over the past month, Wise came out cheapest among multi-currency accounts on 100% of days.

For freelancers and businesses

Global accounts

Global accounts are for Polish companies doing business abroad.

Companies like Wise Business, Revolut Business, or Airwallex handle recurring payments, invoicing, supplier payments, and more.

Ways to fund PLN and receive IDR in Indonesia

With TapTap Send, paying by debit card and receiving through bank deposit is the cheapest combination. Sending 30,000 PLN gives your recipient 138,000,000 IDR.

Deposit PLN through bank transfer, debit card, and credit card.

They can receive IDR via bank deposit and mobile wallet.

  1. 1
    Debit card Bank deposit

    You pay zł30,000.00

    Rp138,000,000

    Cheapest

  2. 2
    Debit card Mobile wallet

    You pay zł30,000.00

    Rp138,000,000

    Rp0

  3. 3
    Bank transfer Bank deposit

    You pay zł30,000.00

    Rp137,307,790

    -Rp692,210

  4. 4
    Credit card Bank deposit

    You pay zł30,000.00

    Rp135,155,766

    -Rp2,844,234

Consider this when sending PLN to Indonesia

There are a few nuances when sending money from Poland to Indonesia.

Compare PLN/IDR transfer options

For a 30,000 PLN transfer to Indonesia, these are the cheapest, fastest and easiest options.

Cheapest way to send money to Indonesia

The cheapest option is TapTap Send, funded by debit card with bank deposit for the payout. Your recipient gets 138,000,000 IDR, which is 0.5% more than the next best option.

Fastest way to send money to Indonesia

The fastest option is Revolut. Pay by bank transfer and choose bank deposit for the payout. Your recipient gets 135,897,180.34 IDR, with the money arriving in within minutes.

BLIK funds PLN deposits only

Some money transfer companies accept BLIK as a deposit method, which then switches to an internal network of bank accounts.

BLIK by itself cannot move money outside the country.

Gifts can need Polish tax paperwork

Sending money abroad is not itself a Polish tax charge.

A gift can still fall under Polish gift-tax rules depending on the recipient's tax position.

The closest family group can qualify for a full exemption.

Where Polish rules apply, a cash gift may need to be reported on form SD-Z2 within six months and documented through a bank, payment account or postal transfer.

The Polish tax authority explains the exemption and current filing conditions.

BFG deposit protection

BFG deposit protection applies to eligible bank deposits.

A non-bank transfer company normally protects customer money through safeguarding instead, so avoid leaving a large account balance there after the transfer.

Check whether the company is authorised in Poland or passported from another EEA country through the KNF registers.

How we analyse the market

Every company here is KNF-registered or passported into Poland, and we check that before anything else.

We track 6 of them on PLN to Indonesia in real time on live comparisons. Polish banks have caught up on rates, so we compare both rather than assuming the bank loses.

In the past 30 days alone, we analysed 94 comparisons across 5 amounts.

This page covers the cheapest and fastest options for PLN/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. 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.