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How to send money to China from Indonesia with the best IDR-CNY rate

Compare the best ways to send money from Indonesia to China. Find the cheapest, fastest, and most reliable providers with the best IDR to CNY exchange rates.

Explore the best deals, read expert information, and discover all you need to send money to China from Indonesia.

Transferring the other way? Send CNY from China to Indonesia instead.
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July 8th, 2025
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Best money transfer companies

Send money from Indonesia to China

Last updated: Today
Mid-market rate as of 07/08/2025: 1 IDR = 0.000442 CNY
Results below are based on a 100000000 IDR search
0 of 2 providers
Sponsored
Wise
Recipient gets (CNY)
¥43,761.66
Full transfer details
Visit Wise
¥888 better than a typical bank*

"Over 16 million customers use Wise, mostly for their excellent mobile app, transparent fee structure & use of mid-market rates. Now increasingly used for larger transfers."

Personal account manager
Multi-currency card
Receive to bank account
Dedicated support for large transfers
Live Rates
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1
Wise
Recipient gets (CNY)
¥43,761.66
Full transfer details
Visit Wise
¥888 better than a typical bank*

"Over 16 million customers use Wise, mostly for their excellent mobile app, transparent fee structure & use of mid-market rates. Now increasingly used for larger transfers."

Personal account manager
Multi-currency card
Receive to bank account
Dedicated support for large transfers
2
Instarem
Recipient gets (CNY)
¥40,000.00
Full transfer details

"Most transfers are instant or same-day. Customers can earn rewards on every transaction."

Personal account manager
Multi-currency card
Receive to bank account
Mid-market rate updates every 60 minutes
Sponsored
Wise
Recipient gets (CNY)
¥43,761.66
Full transfer details
Visit Wise
¥888 better than a typical bank*

"Over 16 million customers use Wise, mostly for their excellent mobile app, transparent fee structure & use of mid-market rates. Now increasingly used for larger transfers."

Personal account manager
Multi-currency card
Receive to bank account
Dedicated support for large transfers

Overall top choice: Wise

Wise is the best way to transfer Rupiah into Yuan Renminbi.

Of the 2 money transfer providers we tested and reviewed, Wise was a standout option for its combination of speed and cost.

Sending 100,000,000 IDR to CNY will cost you Rp988815 in fees, and you will receive 43,761.66 CNY.

When sending money from Indonesia to China, using Wise in a great option.

Wise is the top rated company for sending money from Indonesia (IDR) to China (CNY) - Wise Screenshot

How to get the best deal on your Indonesia to China transfer

Summary of recent searches

Top rated for transfers from Indonesia to China
Wise
Total number of ID - CN providers
2
Average cheapest fees & rate
Wise
Average fastest transfer
Wise
Average transfer time
Within minutes
Best for bank transfers
Wise

Considerations ahead of sending money from Indonesia to China

1
Compare providers

A comparison of providers offering services between Indonesia and China, based on your specific transfer amount is the best way to send money with the confidence you’re getting the best price.

We’ve compared 2 providers that provide services for sending Rupiah to China. This ensures you will get the best options for your transfer to China from Indonesia.

Whilst we rate Wise as the best overall, comparing gives you a comprehensive view of all the options for transferring money from Indonesia to China.

2
Get ahead of the Rupiah-Yuan Renminbi exchange rate
3
Choose the right payment method
4
Financial regulation in China and Indonesia
5
Consider transfer limits
6
Receiving money in China
7
Have your ID ready
8
Tax declarations

Cheapest way to transfer money to China from Indonesia: Wise

Wise offers the lowest cost transfers of the 2 providers we compared.

Our data shows that Wise is 8.6% cheaper than the second-best option.

Wise offers this through a combination of the 988815 IDR fee per transfer and exchange rate between IDR-CNY that is 9.98% different to the mid-market rate

If you want the cheapest way to send Rupiah to China, Wise is our recommended choice.

Wise is the cheapest way to send money from Indonesia (IDR) to China (CNY) - Wise Screenshot

Fastest way to transfer money to China from Indonesia: Wise.

We tested 2 companies offering transfers from Indonesia to China and Wise offered the quickest option.

For example, if you send 100,000,000 IDR with Wise to China, the transfer time is within minutes

When using Wise to send money from Indonesia to China you can expect to pay 988815 IDR in fees. Although we would recommend comparing the amount you want to send.

When testing the 'fastest' options we compared 2 money transfer providers. To test overall speed of sending money from Indonesia to China we included the timeframe for depositing Rupiah to a money transfer account and average transfer times to China.

When sending money to China from Indonesia quickly is a priority, Wise is our recommended choice.

Wise is the fastest way to send money from Indonesia (IDR) to China (CNY) - Wise Screenshot

Sending a large amount of money?

For big transfers from Indonesia to China, competitive pricing & strong customer service are essential.

Of the
2 providers compared, Wise is the best rated for higher transfer amounts.

Sending large amounts of money can be expensive, and while Wise may not always be the fastest or cheapest way to send money from Indonesia to China, it's a great provider for things like buying or selling property.

Understanding the cost of sending money to China from Indonesia

The cost of sending money from China to China, is made-up of a combination of fees and exchange rates:

The Mid-Market and Exchange Rates: The mid-market rate determines a mid-price for buying currency. The current mid-market rate from IDR-CNY is 0.0004 CNY per Rupiah.

  • Finding a provider offering an exchange as close to 0.0004 as possible will ensure more Yuan Renminbi received when transferring.

  • For context, the IDR-CNY mid-market rate for the past week has averaged 0.0004 CNY per Rupiah. This includes a high of 0.0004, and low of 0.0004.

  • Wise currently offers the best exchange rate on transfers from Indonesia to China.

For the most part the IDR-CNY exchange rate you receive is the biggest factor impacting the cost of sending IDR to China.

Fees: Outside of exchange rates, you may need to pay a fee to send. Wise currently offers the lowest fees on transfers to China from Indonesia, costing 988815 IDR per transfer. Although this does include large transfers as well, we recommend searching for your exact send amount for an exact fee.

Amount Received: The amount received in Yuan Renminbi is the amount you started with, minus the amount you paid in the exchange and fees.

The better deal you get on exchanging Rupiahs to CNY, paired with a low fee, means a higher total amount received in China.

How to find the best exchange rate for Rupiah to Yuan Renminbi

Timing is essential for sending money between IDR and CNY. The exchange rate you secure impacts how much CNY you get for your IDR.

Mid-market Rate
1 
IDR
=
0.000441 
CNY

Let's dive into some interesting recent trends.

  • Over the past week, the exchange rate from IDR to CNY has seen some fluctuation. On average, it stood at 0.0004.

  • During this period, the highest value recorded was 0.0004, while the lowest was 0.0004.

  • Wise, which is our recommended service to send money online from Indonesia to China offers an exchange rate that is only 9.98% above the mid-market rate.

Want to secure the best IDR-Yuan Renminbi exchange rates?

Sign up for our rate alerts and we'll tell you when it's the best time to move your money from Indonesia to China!

Payment methods available to fund your Indonesia to
China transfer

  • Bank transfers

    Bank transfers are often the better option for money transfers from Indonesia to China.

    Sending money via a bank transfer with a company such as Wise for transfers from Indonesia to China allows you to benefit from lower fees and more favorable exchange rates than you would get with a traditional bank. 


    On average, Wise is the best provider for bank transfers of the 2 we tested when sending IDR to China.

    With a fee of IDR988815 to send money from Indonesia to China, Wise offers a great combination of competitive exchange rates and lower fees.


  • Debit and prepaid cards

    Sending money from Indonesia to China with a prepaid or a debit card is very simple with .


    is a leader in card payments for transfers from Indonesia to China, competing among a total of 2 active money transfer companies on this route.

  • Credit cards

    We recommend avoiding credit card deposits as it usually means taking a cash advance and using it for the deposit. Instead, use a bank transfer or a debit card deposit to save on fees.

    If you have to, we recommend running a comparison to find the best deal for your transfer.

    Beware of fees: using a credit card to transfer money often results in a fee being charged by your card issuer. Where possible, we recommend a bank transfer or debit card payment instead.

How we analyze the market

We track the cost, speed, and product offerings of the leading money transfer services available between China and Indonesia.


Our comparison engine and algorithms evaluate providers based on over 25 factors, including transfer fees, ease of use, exchange rates, mobile apps, transfer times & customer support.

We also consider how these services are rated on platforms like TrustPilot, AppStore, and Google Play, giving you a comprehensive view of what to expect.

This thorough analysis helps you get the best available deal - every time you want to move money from Indonesia to China.


We also provide unbiased and detailed reviews of all the top money transfer companies. You can use these reviews to send IDR to CNY.


For a deeper understanding of our commitment to integrity and transparency, we invite you to read our editorial policy document.

Money transfer company reviews

How much money can be transferred from Indonesia to China?
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Can I send money from Indonesia to China with MoneyTransfers.com?
What are the typical transfer fees for sending Rupiahs to China through various providers?
How long does it take to send money from Indonesia to China?
What is the best exchange rate I can get for sending money from Indonesia to China?
Are there any minimum or maximum transfer amounts for sending money from Indonesia to China?
Can I schedule regular transfers between Indonesia and China?

Contributors

Keith Hodges
Keith is an experienced Content Specialist with a rich background in both marketing and journalism within the financial sector. At MoneyTransfers.com, Keith plays a pivotal role in driving the business forward and broadening its reach in various international money transfer markets. His expertise is a key factor in the company's expansion and success.
Luke Eales
Luke is CEO at MoneyTransfers.com, with 10 years' experience building consumer products in finance, insurance & travel. Luke focuses on the payments sector and foreign exchange markets, as well as personal finance more broadly.
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