How to send money to Indonesia from South Africa with the best ZAR-IDR rate

From the 3 money transfer services available, we found Regency FX to be the cheapest and Regency FX to be the fastest. You can send ZAR via bank transfer and debit card, and you can receive IDR via bank deposit.

Best companies for ZAR/IDR transfers

3 of 3 providers

Last updated on 10 November 2026

Based on 130,000 ZAR transfer

Best companies for ZAR/IDR transfers

Sort Cheapest
Promoted

Regency FX

Pay via Bank transfer
Fee R 0,00 1 ZAR = 1099.6105 IDR +0.27% vs mid-market Recipient gets Rp 142 949 365,62 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 ZAR = 1099.6105 IDR
Rp 142 949 365,62You payR 130 000,00

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Showing top South Africa to Indonesia deals for 130,000 ZAR. Do a live search with your exact amount for today's best rates.
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Regency FX

Pay via Bank transfer
Fee R 0,00 1 ZAR = 1099.6105 IDR +0.27% vs mid-market Recipient gets Rp 142 949 365,62 Minutes - 24 hours
CheapestFastest
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 ZAR = 1099.6105 IDR
Rp 142 949 365,62You payR 130 000,00

CurrencyFair

Pay via Bank transfer
Fee R 18,14 1 ZAR = 1094.9420 IDR +0.70% vs mid-market Recipient gets Rp 142 322 460,00 Minutes - 24 hours
Receive to bank account

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
R 18,141 ZAR = 1094.9420 IDR
Rp 142 322 460,00You payR 130 000,00
Only available via Mobile App

WorldRemit

Pay via Debit card
Fee R 11,25 1 ZAR = 1081.5667 IDR +1.92% vs mid-market Recipient gets Rp 140 591 504,67 Minutes - 2 days
Our top pick
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
R 11,251 ZAR = 1081.5667 IDR
Rp 140 591 504,67You payR 130 000,00
How Our Results Work
Mid-market rate: 1 ZAR = 1102.5875 IDR Updates every 60 minutes.

How to send money from South Africa to Indonesia

Pick a company

For a one-off transfer to Indonesia, I suggest picking the cheapest option which is Regency FX.

Regency FX was the cheapest on 26 of the 26 days it quoted R130,000 transfers to Indonesia.

On a 130,000 ZAR transfer, Regency FX delivers the most IDR.

The best option will change depending on how much you actually send, so I suggest to get the best ZAR/IDR rate.

Fund your transfer

You have 2 ways to pay, including bank transfer and debit card.

PayShap is the quickest way to fund your transfer, though it caps at R50,000 a transaction.

Above that you're on a normal EFT, which is same-day or next-day rather than instant.

Verify and send

First time round you'll need your ID and proof of address.

Anything beyond your yearly allowance needs a tax number and clearance from SARS first, so check which side of that line you're on.

Compare amounts

How much ZAR are you sending to Indonesia?

How much ZAR 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 Regency FX was the cheapest in 100% of all the transfers it quoted over the past month.

Cheapest service
R 2 0000.70%R 18,12Rp 2 171 550,00with bank transfer to bank deposit+Rp 112 245,67
R 4 5000.72%R 18,13Rp 4 908 868,00with bank transfer to bank deposit+Rp 268 407,18
R 5 0000.73%R 18,14Rp 5 451 335,00with bank transfer to bank deposit+Rp 298 894,06
R 50 0000.27%R 0,00Rp 54 961 512,01with bank transfer to bank deposit+Rp 398 381,34
R 100 0000.27%R 0,00Rp 109 967 940,42with bank transfer to bank deposit+Rp 785 020,12
R 130 000This page0.27%R 0,00Rp 142 949 365,62with bank transfer to bank deposit+Rp 994 922,19

Mid-market rate: 1 ZAR = 1102.5875 IDR

ZAR/IDR Exchange Rate History

Is today a good time to send money from South Africa to Indonesia?

The cheapest way to send ZAR 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 Regency FX), across 30 days of comparisons for 130,000 ZAR transfers to Indonesia.

IDR received for R 130 000, after fees

Tue, 10 Nov 2026Mid-market rateRp 143 336 373,83 Regency FX Rp 142 949 365,62Regency FXRp 142 949 365,62CurrencyFairRp 142 322 460,00WorldRemitRp 140 591 504,67

137M
138M
139M
140M
141M
142M
143M
144M
At the mid-market rateWith the cheapest optionRegency FXCurrencyFairWorldRemit
Exchange rateFeeRecipient getsDifference
Mid-market rate 1085.7975 – Rp 141 153 678,38
Regency FX Cheapest 1082.8659 R 0,00 Rp 140 772 563,45 −Rp 381 114,93
CurrencyFair 1078.1840 R 18,42 Rp 140 143 920,00 −Rp 1 009 758,38
WorldRemit 1063.4395 R 11,25 Rp 138 235 171,31 −Rp 2 918 507,07
Exchange rateFeeRecipient getsDifference
Mid-market rate 1086.8603 – Rp 141 291 840,56
Regency FX Cheapest 1083.9258 R 0,00 Rp 140 910 352,59 −Rp 381 487,97
CurrencyFair 1079.1210 R 18,40 Rp 140 265 730,00 −Rp 1 026 110,56
WorldRemit No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 1085.7599 – Rp 141 148 790,77
Regency FX Cheapest 1082.8284 R 0,00 Rp 140 767 689,03 −Rp 381 101,74
CurrencyFair 1077.6930 R 18,42 Rp 140 080 090,00 −Rp 1 068 700,77
WorldRemit 1065.7154 R 11,25 Rp 138 531 011,40 −Rp 2 617 779,37
Exchange rateFeeRecipient getsDifference
Mid-market rate 1083.8354 – Rp 140 898 596,15
Regency FX Cheapest 1080.9090 R 0,00 Rp 140 518 169,94 −Rp 380 426,21
CurrencyFair 1076.2000 R 18,45 Rp 139 886 000,00 −Rp 1 012 596,15
WorldRemit 1061.4378 R 11,25 Rp 137 974 968,93 −Rp 2 923 627,22
Exchange rateFeeRecipient getsDifference
Mid-market rate 1095.1649 – Rp 142 371 438,56
Regency FX Cheapest 1092.2080 R 0,00 Rp 141 987 035,68 −Rp 384 402,88
CurrencyFair 1088.1820 R 18,26 Rp 141 443 660,00 −Rp 927 778,56
WorldRemit No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 1094.5167 – Rp 142 287 176,98
Regency FX Cheapest 1091.5616 R 0,00 Rp 141 903 001,60 −Rp 384 175,38
CurrencyFair 1087.6100 R 18,27 Rp 141 369 300,00 −Rp 917 876,98
WorldRemit 1072.2572 R 11,25 Rp 139 381 374,41 −Rp 2 905 802,57
Exchange rateFeeRecipient getsDifference
Mid-market rate 1094.5167 – Rp 142 287 176,98
Regency FX Cheapest 1091.5616 R 0,00 Rp 141 903 001,60 −Rp 384 175,38
CurrencyFair 1087.6100 R 18,27 Rp 141 369 300,00 −Rp 917 876,98
WorldRemit No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 1093.8744 – Rp 142 203 673,95
Regency FX Cheapest 1090.9210 R 0,00 Rp 141 819 724,03 −Rp 383 949,92
CurrencyFair 1086.3150 R 18,28 Rp 141 200 950,00 −Rp 1 002 723,95
WorldRemit 1075.1029 R 11,25 Rp 139 751 282,09 −Rp 2 452 391,86
Exchange rateFeeRecipient getsDifference
Mid-market rate 1096.7378 – Rp 142 575 908,41
Regency FX Cheapest 1093.7766 R 0,00 Rp 142 190 953,46 −Rp 384 954,95
CurrencyFair 1088.7420 R 18,24 Rp 141 516 460,00 −Rp 1 059 448,41
WorldRemit 1076.1344 R 11,25 Rp 139 885 366,79 −Rp 2 690 541,62
Exchange rateFeeRecipient getsDifference
Mid-market rate 1098.1991 – Rp 142 765 880,53
Regency FX Cheapest 1095.2339 R 0,00 Rp 142 380 412,65 −Rp 385 467,88
CurrencyFair 1090.1750 R 18,21 Rp 141 702 750,00 −Rp 1 063 130,53
WorldRemit 1073.9840 R 11,25 Rp 139 605 836,38 −Rp 3 160 044,15
Exchange rateFeeRecipient getsDifference
Mid-market rate 1095.7576 – Rp 142 448 493,72
Regency FX Cheapest 1092.7991 R 0,00 Rp 142 063 882,79 −Rp 384 610,93
CurrencyFair 1088.2410 R 18,25 Rp 141 451 330,00 −Rp 997 163,72
WorldRemit No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 1092.5075 – Rp 142 025 979,81
Regency FX Cheapest 1089.5578 R 0,00 Rp 141 642 509,66 −Rp 383 470,15
CurrencyFair 1084.4300 R 18,31 Rp 140 955 900,00 −Rp 1 070 079,81
WorldRemit 1072.9973 R 11,25 Rp 139 477 576,48 −Rp 2 548 403,33
Exchange rateFeeRecipient getsDifference
Mid-market rate 1091.7186 – Rp 141 923 420,08
Regency FX Cheapest 1088.7710 R 0,00 Rp 141 540 226,85 −Rp 383 193,23
CurrencyFair 1083.0950 R 18,32 Rp 140 782 350,00 −Rp 1 141 070,08
WorldRemit No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate – – –
CurrencyFair Cheapest 1083.0950 R 20 000,00 Rp 140 782 350,00 –
Regency FX No quote collected this day – – – –
WorldRemit No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 1090.5629 – Rp 141 773 181,42
Regency FX Cheapest 1087.6184 R 0,00 Rp 141 390 393,83 −Rp 382 787,59
CurrencyFair 1083.0600 R 18,34 Rp 140 777 800,00 −Rp 995 381,42
WorldRemit 1068.8992 R 11,25 Rp 138 944 866,98 −Rp 2 828 314,44
Exchange rateFeeRecipient getsDifference
Mid-market rate 1089.4412 – Rp 141 627 355,35
Regency FX Cheapest 1086.4997 R 0,00 Rp 141 244 961,49 −Rp 382 393,86
CurrencyFair 1081.9040 R 18,36 Rp 140 627 520,00 −Rp 999 835,35
WorldRemit 1067.7313 R 11,25 Rp 138 793 054,42 −Rp 2 834 300,93
Exchange rateFeeRecipient getsDifference
Mid-market rate 1091.2712 – Rp 141 865 260,03
Regency FX Cheapest 1088.3248 R 0,00 Rp 141 482 223,83 −Rp 383 036,20
CurrencyFair 1083.4850 R 18,33 Rp 140 833 050,00 −Rp 1 032 210,03
WorldRemit 1067.9909 R 11,25 Rp 138 826 802,10 −Rp 3 038 457,93
Exchange rateFeeRecipient getsDifference
Mid-market rate 1090.5591 – Rp 141 772 677,67
Regency FX Cheapest 1087.6145 R 0,00 Rp 141 389 891,44 −Rp 382 786,23
CurrencyFair 1082.9300 R 18,34 Rp 140 760 900,00 −Rp 1 011 777,67
WorldRemit 1068.3247 R 11,25 Rp 138 870 193,65 −Rp 2 902 484,02
Exchange rateFeeRecipient getsDifference
Mid-market rate 1092.2867 – Rp 141 997 271,00
Regency FX Cheapest 1089.3375 R 0,00 Rp 141 613 878,37 −Rp 383 392,63
CurrencyFair 1083.6850 R 18,31 Rp 140 859 050,00 −Rp 1 138 221,00
WorldRemit 1069.8923 R 11,25 Rp 139 073 966,61 −Rp 2 923 304,39
Exchange rateFeeRecipient getsDifference
Mid-market rate 1084.5742 – Rp 140 994 647,30
Regency FX Cheapest 1081.6459 R 0,00 Rp 140 613 961,75 −Rp 380 685,55
CurrencyFair 1076.7360 R 18,44 Rp 139 955 680,00 −Rp 1 038 967,30
WorldRemit 1066.3602 R 11,25 Rp 138 614 830,75 −Rp 2 379 816,55
Exchange rateFeeRecipient getsDifference
Mid-market rate 1084.1795 – Rp 140 943 330,58
Regency FX Cheapest 1081.2522 R 0,00 Rp 140 562 783,59 −Rp 380 546,99
CurrencyFair 1076.7360 R 18,45 Rp 139 955 680,00 −Rp 987 650,58
WorldRemit 1066.3602 R 11,25 Rp 138 614 830,75 −Rp 2 328 499,83
Exchange rateFeeRecipient getsDifference
Mid-market rate 1091.0545 – Rp 141 837 090,59
Regency FX Cheapest 1088.1087 R 0,00 Rp 141 454 130,45 −Rp 382 960,14
CurrencyFair 1082.0340 R 18,33 Rp 140 644 420,00 −Rp 1 192 670,59
WorldRemit 1066.9050 R 11,25 Rp 138 685 644,72 −Rp 3 151 445,87
Exchange rateFeeRecipient getsDifference
Mid-market rate 1091.0814 – Rp 141 840 586,03
Regency FX Cheapest 1088.1355 R 0,00 Rp 141 457 616,45 −Rp 382 969,58
CurrencyFair 1083.3190 R 18,33 Rp 140 811 470,00 −Rp 1 029 116,03
WorldRemit 1068.3318 R 11,25 Rp 138 871 119,17 −Rp 2 969 466,86
Exchange rateFeeRecipient getsDifference
Mid-market rate 1101.7218 – Rp 143 223 833,61
CurrencyFair Cheapest 1093.8820 R 18,15 Rp 142 184 660,00 −Rp 1 039 173,61
WorldRemit 1076.5278 R 11,25 Rp 139 936 503,06 −Rp 3 287 330,55
Regency FX No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 1104.1621 – Rp 143 541 078,20
Regency FX Cheapest 1101.1809 R 0,00 Rp 143 153 517,29 −Rp 387 560,91
CurrencyFair 1096.4160 R 18,11 Rp 142 514 080,00 −Rp 1 026 998,20
WorldRemit 1082.9015 R 11,25 Rp 140 765 007,16 −Rp 2 776 071,04
Exchange rateFeeRecipient getsDifference
Mid-market rate 1094.0042 – Rp 142 220 542,36
WorldRemit Cheapest 1075.1530 R 11,25 Rp 139 757 790,63 −Rp 2 462 751,73
Regency FX No quote collected this day – – – –
CurrencyFair No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 1096.2577 – Rp 142 513 498,27
Regency FX Cheapest 1093.2978 R 0,00 Rp 142 128 711,82 −Rp 384 786,45
CurrencyFair 1086.6110 R 18,24 Rp 141 239 430,00 −Rp 1 274 068,27
WorldRemit 1075.7552 R 11,25 Rp 139 836 071,15 −Rp 2 677 427,12
Exchange rateFeeRecipient getsDifference
Mid-market rate 1096.1940 – Rp 142 505 216,23
Regency FX Cheapest 1093.2342 R 0,00 Rp 142 120 452,15 −Rp 384 764,08
CurrencyFair 1086.6110 R 18,24 Rp 141 239 430,00 −Rp 1 265 786,23
WorldRemit 1075.7552 R 11,25 Rp 139 836 071,15 −Rp 2 669 145,08
Exchange rateFeeRecipient getsDifference
Mid-market rate 1096.0290 – Rp 142 483 771,43
CurrencyFair Cheapest 1088.4440 R 18,25 Rp 141 477 720,00 −Rp 1 006 051,43
WorldRemit 1076.3968 R 11,25 Rp 139 919 478,44 −Rp 2 564 292,99
Regency FX No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 1102.5875 – Rp 143 336 373,83
Regency FX Cheapest 1099.6105 R 0,00 Rp 142 949 365,62 −Rp 387 008,21
CurrencyFair 1094.9420 R 18,14 Rp 142 322 460,00 −Rp 1 013 913,83
WorldRemit 1081.5667 R 11,25 Rp 140 591 504,67 −Rp 2 744 869,16

Exchange rateFeeRecipient getsDifference

Each line shows what the recipient gets when you send R 130 000, after fees, as quoted by each company. The mid-market line shows what R 130 000 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 ZAR 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 IDR on every transfer from South Africa.

Right now, Regency FX pays 142,949,365.62 IDR on 130,000 ZAR, which is 387,008.21 IDR less than the mid-market amount.

Today's payout isn't the best this month though, since the highest receive amount was 143,153,517.29 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.

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 175 comparisons to check how often today's top companies were the cheapest across 6 amounts over the past month.

  1. Regency FXAppeared in 47 comparisons

    Cheapest every time

  2. CurrencyFairAppeared in 156 comparisons

    Cheapest in 54% of them

  3. WorldRemitAppeared in 138 comparisons

    Cheapest in 7% of them

Based on 175 comparisons across 6 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 Regency FX is the cheapest, but it only quotes some of the amounts we track, so it isn't included in these figures.

CurrencyFair (today's second cheapest) was the cheapest in 54% of its comparisons, so if you send money to Indonesia regularly, it's worth comparing it with Regency FX before each transfer.

Ways to send money from South Africa to Indonesia

3 companies send money from South Africa to Indonesia.

Frequent transfers from South Africa

Online transfers

Apps and online services are best for recurring transfers to Indonesia.

WorldRemit is the cheapest option.

It will get you 140,591,504.67 IDR on a R130,000 transfer.

For fast transfers, WorldRemit is a good option, it will deliver IDR in minutes - 2 days.

In our comparisons over the past month, it was the cheapest online service on 24 of the 24 days it quoted.

Most companies will let you fund your transfer by EFT, and will ask for your FICA details.

Emigration and large transfers

Currency brokers

Currency brokers are great for large transfers from South Africa to Indonesia.

They have no fees and add a markup on top of ZAR/IDR rate.

Regency FX charges an exchange-rate markup of around 0.27% and no fees.

Our analysis shows Regency FX was the cheapest broker in 100% of all the transfers it quoted.

Also, don’t forget about the R2 million limits on transfers from South Africa (more below).

For business payments abroad

Global accounts

Global accounts like Airwallex, Veem or Payoneer help South African businesses make recurring payments to suppliers and contractors in Indonesia.

Ways to fund ZAR and receive IDR in Indonesia

With Regency FX, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending R130,000 gives your recipient 142,949,365.62 IDR.

You can fund the transfer with bank transfer and debit card.

To receive IDR in Indonesia, your recipient can use bank deposit.

  1. 1
    Bank transfer Bank deposit

    You pay R130,000.00

    Rp142,949,366

    Cheapest

  2. 2
    Debit card Bank deposit

    You pay R130,000.00

    Rp140,591,505

    -Rp2,357,861

Consider this when sending ZAR to Indonesia

South African exchange control dictates how much you can move and which paperwork you need. The exchange-rate margin then decides whether a bank, an online money transfer company or a forex specialist is cheaper.

Compare ZAR/IDR transfer options

For a ZAR 130,000 transfer to Indonesia, the current best options are:

The cheapest option is Regency FX, funded by bank transfer with bank deposit for the payout. Your recipient gets 142,949,365.62 IDR, which is 0.44% more than the next best option.

The fastest option is Regency FX, funded by bank transfer with bank deposit for the payout. Your recipient gets 142,949,365.62 IDR in minutes - 24 hours.

R2 million allowance

South African residents aged 18 or older can use the single discretionary allowance to transfer up to R2 million per calendar year for legal purposes abroad without a SARS tax-compliance PIN.

A further foreign capital allowance of up to R10 million is available with an Approval International Transfer PIN from SARS.

Amounts above the allowances need specific approval through an authorised dealer.

The allowances cover more than money transfers.

Foreign card spending and other qualifying use can reduce what remains, so check your year-to-date total before making payments.

The SARB Financial Surveillance guidance explains how the allowances can be used.

Get the purpose code right

Every legal cross-border payment in rand passes through an authorised dealer and carries a balance-of-payments purpose code.

A bank, transfer company or forex specialist may handle the form, but you are still responsible for giving the right reason.

Keep any relevant documents on hand, such as the property sale agreement, emigration documents, tuition invoice, proof of savings, etc.

For an emigration transfer, a specialist service can be useful because the AIT paperwork matters as much as the rate.

A gift can create donations tax

For the 2026/27 tax year, a natural person can make up to R150,000 of donations each year before donations tax applies.

The donor generally pays 20% on taxable donations up to the first R30 million of cumulative taxable gifts.

Payments between spouses and reasonable maintenance payments can be exempt.

A large family transfer should be classified before sending, rather than treated as tax-free because the recipient lives abroad.

Only use authorised companies

Search the company or its FSP number in the FSCA register.

Never move a transfer to crypto or a personal account to bypass exchange control.

Keep the quote, purpose-code confirmation and proof of payment until the recipient has the money.

How we analyse the market

Every rand that leaves South Africa goes through an authorised dealer, and every company here is FSCA-registered.

We track 3 of them on ZAR to Indonesia, comparing rates, fees and the pay-in and payout options in real time on live comparisons.

In the past 30 days alone, we analysed 175 comparisons across 6 amounts.

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

Nothing appears without passing 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.