Send Money to Indonesia from South Africa | Best ZAR-IDR Exchange Rates

Best companies for ZAR/IDR transfers
3 of 3 providers Last updated on 28 September 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 = 1094.2353 IDR +0.27% vs mid-market	Recipient gets Rp 142 250 584,48 Minutes - 24 hours
9 reviews 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 = 1094.2353 IDR Rp 142 250 584,48You payR 130 000,00
Run a live search Showing top South Africa to Indonesia deals for 130,000 ZAR. 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 ZAR 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 ZAR you're planning to spend in Indonesia.
Run a live search These are managed services with real human support for large ZAR transfers. Click the link and update the transfer amount to get the best deal.
Exclusive: First Transfer Deal Regency FX Pay via Bank transfer	Fee R 0,00 1 ZAR = 1094.2353 IDR +0.27% vs mid-market	Recipient gets Rp 142 250 584,48 Minutes - 24 hours
9 reviews 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 = 1094.2353 IDR Rp 142 250 584,48You payR 130 000,00
CurrencyFair Pay via Bank transfer	Fee R 18,23 1 ZAR = 1088.1580 IDR +0.83% vs mid-market	Recipient gets Rp 141 440 540,00 Minutes - 24 hours
3 reviews 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 18,231 ZAR = 1088.1580 IDR Rp 141 440 540,00You payR 130 000,00
Only available via Mobile App WorldRemit Pay via Debit card	Fee R 11,25 1 ZAR = 1074.1635 IDR +2.12% vs mid-market	Recipient gets Rp 139 629 173,26 Minutes - 2 days
13 reviews Recommended 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 = 1074.1635 IDR Rp 139 629 173,26You payR 130 000,00
How Our Results Work Mid-market rate: 1 ZAR = 1097.1977 IDR Updates every 60 minutes.

Why compare

ZAR/IDR exchange rate

Best ways to pay & receive

Transfer speed

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.

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.

					Cheapest service
R 2 000	2.05%	R 11,25	Rp 2 134 929,17with debit card to bank deposit	+Rp 118 159,21
R 130 000This page	0.27%	R 0,00	Rp 142 250 584,48with bank transfer to bank deposit	+Rp 1 143 818,57

Mid-market rate: 1 ZAR = 1097.1977 IDR

Ways to send money from South Africa to

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 139,629,173.26 IDR on a R130,000 transfer.

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

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.

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 142,250,584.48 IDR.

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

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

1

Bank transfer Bank deposit

You pay R130,000.00

Rp142,250,584

Cheapest
2

Debit card Bank deposit

You pay R130,000.00

Rp139,629,173

-Rp2,621,411

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 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 142,250,584.48 IDR, which is 0.57% more than the next best option.

The fastest option is Regency FX, using the same bank transfer and bank deposit chain. Your recipient gets 142,250,584.48 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.

A 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.

Live ZAR-IDR Exchange Rate

Finding the best ZAR to IDR rate

The exchange rate changes the final IDR amount, even when the transfer fee stays the same. Check the recent range before converting your ZAR.

Mid-market rate:1 ZAR = 1,099.902558 IDR

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.

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.

Send money from South Africa