We compared 9 companies sending money from the United States to Indonesia. Regency FX is the best and cheapest, while Revolut is the fastest.
Sending $7,000 with Regency FX gets your recipient 125,562,064.6 IDR at 17937.4378 IDR per USD.
| 9 of 9 providers Last updated on 28 September 2026 | |||
| Based on 7,000 USD transfer Best companies for USD/IDR transfers | |||
| Promoted  Wise Pay via Bank transfer | Fee $32.34 1 USD = 17972.5000 IDR +0.08% vs mid-market | Recipient gets Rp 125,226,269.00 Within minutes | |
Ways to receive money in Indonesia with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer $32.341 USD = 17972.5000 IDR Rp 125,226,269.00You pay$7,000.00 | |||
| Promoted  Xe Pay via Bank transfer | Fee $0.00 1 USD = 17805.8680 IDR +1.01% vs mid-market | Recipient gets Rp 124,641,076.00 Minutes - 24 hours | |
Ways to receive money in Indonesia with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 USD = 17805.8680 IDR Rp 124,641,076.00You pay$7,000.00 | |||
Run a live search Showing top United States to Indonesia deals for 7,000 USD. 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 USD 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 USD you're planning to spend in Indonesia. | |||
Run a live search These are managed services with real human support for large USD 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 $0.00 1 USD = 17937.4378 IDR +0.27% vs mid-market | Recipient gets Rp 125,562,064.60 Minutes - 24 hours | |
Ways to receive money in Indonesia with Regency FX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 USD = 17937.4378 IDR Rp 125,562,064.60You pay$7,000.00 | |||
 OFX Pay via Bank transfer | Fee $0.00 1 USD = 17896.0700 IDR +0.50% vs mid-market | Recipient gets Rp 125,272,490.00 Minutes - 24 hours | |
Ways to receive money in Indonesia with OFX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 USD = 17896.0700 IDR Rp 125,272,490.00You pay$7,000.00 | |||
| Wise Pay via Bank transfer | Fee $32.34 1 USD = 17972.5000 IDR +0.08% vs mid-market | Recipient gets Rp 125,226,269.00 Within minutes | |
Ways to receive money in Indonesia with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer $32.341 USD = 17972.5000 IDR Rp 125,226,269.00You pay$7,000.00 | |||
 CurrencyFair Pay via Bank transfer | Fee $1.11 1 USD = 17848.8000 IDR +0.77% vs mid-market | Recipient gets Rp 124,921,600.00 Minutes - 24 hours | |
Ways to receive money in Indonesia with CurrencyFair when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours $1.111 USD = 17848.8000 IDR Rp 124,921,600.00You pay$7,000.00 | |||
| Only available via Mobile App  Sendwave Pay via Debit card | Fee $0.00 1 USD = 17842.3019 IDR +0.80% vs mid-market | Recipient gets Rp 124,896,113.16 Minutes - 3 days | |
Ways to receive money in Indonesia with Sendwave when paying by debit card. MethodFee & ratesRecipient gets Mobile moneyMinutes - 3 days Free1 USD = 17842.3019 IDR Rp 124,896,113.16You pay$7,000.00 Bank depositMinutes - 3 days Free1 USD = 17842.3019 IDR Rp 124,896,113.16You pay$7,000.00 | |||
| Pricing based on Revolut Standard plan  Revolut Pay via Bank transfer | Fee $40.50 1 USD = 17910.3722 IDR +0.42% vs mid-market | Recipient gets Rp 124,647,235.50 Within minutes | |
Ways to receive money in Indonesia with Revolut when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutes $40.501 USD = 17910.3722 IDR Rp 124,647,235.50You pay$7,000.00 | |||
| 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. | |||
| Xe Pay via Bank transfer | Fee $0.00 1 USD = 17805.8680 IDR +1.01% vs mid-market | Recipient gets Rp 124,641,076.00 Minutes - 24 hours | |
Ways to receive money in Indonesia with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 USD = 17805.8680 IDR Rp 124,641,076.00You pay$7,000.00 | |||
| $0 fee on first online transfers  MoneyGram Pay via Bank transfer | Fee $1.99 1 USD = 17792.5501 IDR +1.08% vs mid-market | Recipient gets Rp 124,547,850.70 Minutes - 24 hours | |
Ways to receive money in Indonesia with MoneyGram when paying by bank transfer. MethodFee & ratesRecipient gets Mobile walletMinutes - 24 hoursAvailable via:Select Wallets $1.991 USD = 17792.5501 IDR Rp 124,547,850.70You pay$7,001.99 Bank depositMinutes - 24 hoursAvailable via:All Banks $1.991 USD = 17792.5501 IDR Rp 124,547,850.70You pay$7,001.99 Cash pickupMinutes - 24 hours $5.991 USD = 17792.5501 IDR Rp 124,547,850.70You pay$7,005.99 | |||
| $0 fee on first online transfers MoneyGram Pay via Debit card | Fee $0.99 1 USD = 17754.3782 IDR +1.30% vs mid-market | Recipient gets Rp 124,280,647.40 Minutes - 24 hours | |
Ways to receive money in Indonesia with MoneyGram when paying by debit card. MethodFee & ratesRecipient gets Mobile walletMinutes - 24 hoursAvailable via:Select Wallets $0.991 USD = 17754.3782 IDR Rp 124,280,647.40You pay$7,000.99 Bank depositMinutes - 24 hoursAvailable via:All Banks $1.991 USD = 17663.6793 IDR Rp 123,645,755.10You pay$7,001.99 Cash pickupMinutes - 24 hours $75.991 USD = 17609.9076 IDR Rp 123,269,353.20You pay$7,075.99 | |||
| $0 fee on first online transfers MoneyGram Pay via Credit card | Fee $210.00 1 USD = 17754.3782 IDR +1.30% vs mid-market | Recipient gets Rp 124,280,647.40 Minutes - 24 hours | |
Ways to receive money in Indonesia with MoneyGram when paying by credit card. MethodFee & ratesRecipient gets Mobile walletMinutes - 24 hoursAvailable via:Select Wallets $210.001 USD = 17754.3782 IDR Rp 124,280,647.40You pay$7,210.00 Bank depositMinutes - 24 hoursAvailable via:All Banks $177.991 USD = 17663.6793 IDR Rp 123,645,755.10You pay$7,177.99 Cash pickupMinutes - 24 hours $179.991 USD = 17609.9076 IDR Rp 123,269,353.20You pay$7,179.99 | |||
 TapTap Send Pay via Debit card | Fee $0.00 1 USD = 17730.0000 IDR +1.43% vs mid-market | Recipient gets Rp 124,110,000.00 Minutes | |
Ways to receive money in Indonesia with TapTap Send when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes Free1 USD = 17730.0000 IDR Rp 124,110,000.00You pay$7,000.00 Mobile walletMinutesAvailable via:DANA, GoPay, LinkAja, OVO, ShopeePay Free1 USD = 17730.0000 IDR Rp 124,110,000.00You pay$7,000.00 | |||
| Xe Pay via Debit card | Fee $35.00 1 USD = 17805.8680 IDR +1.01% vs mid-market | Recipient gets Rp 124,017,870.62 Minutes - 24 hours | |
Ways to receive money in Indonesia with Xe when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours $35.001 USD = 17805.8680 IDR Rp 124,017,870.62You pay$7,000.00 | |||
| $0 fee on first online transfers MoneyGram Pay via Cash deposit | Fee $60.79 1 USD = 17593.2780 IDR +2.21% vs mid-market | Recipient gets Rp 123,152,946.00 Minutes - 24 hours | |
Ways to receive money in Indonesia with MoneyGram when paying by cash deposit. MethodFee & ratesRecipient gets Cash pickupMinutes - 24 hours $60.791 USD = 17593.2780 IDR Rp 123,152,946.00You pay$7,060.79 | |||
| Xe Pay via Credit card | Fee $210.00 1 USD = 17805.8680 IDR +1.01% vs mid-market | Recipient gets Rp 120,901,843.72 Minutes - 24 hours | |
Ways to receive money in Indonesia with Xe when paying by credit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours $210.001 USD = 17805.8680 IDR Rp 120,901,843.72You pay$7,000.00 | |||
| How Our Results Work Mid-market rate: 1 USD = 17986.0000 IDR Updates every 60 minutes. | |||
Transfer details
If you're sending a one-off transfer, then Regency FX is the best option.
For recurring transfers, I'd suggest using an app or a multi-currency account with Wise.
For large transfers using a broker like Regency FX is the best option.
If your recipient needs cash, MoneyGram is the cheapest.
How much you send will affect the best option for you right now.
You have 4 ways to pay for your transfer to Indonesia, including bank transfer, debit card, credit card, and cash deposit.
Usually, using bank transfer to fund your transfer is the cheapest but slowest option (ACH and takes a day or two).
You can use a debit card, Apple Pay and Google Pay for quicker deposit but its a bit more expensive.
I suggest avoiding credit cards since these are most expensive and have cash advance fees (Amex is very rarely accepted in general).
First time round you'll need to confirm who you are.
An SSN isn't required, an ITIN or a foreign passport works with most companies here.
How much USD 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 | |||||
|---|---|---|---|---|---|
| $500 | 0.31% | $0.00 | Rp 8,971,828.00with bank transfer to bank deposit | +Rp 304,071.16 | |
| $2,000 | 0.32% | $0.00 | Rp 35,851,383.00with bank transfer to bank deposit | +Rp 618,297.08 | |
| $5,000 | 0.50% | $0.00 | Rp 89,550,000.00with bank transfer to bank deposit | +Rp 787,621.16 | |
| $7,000This page | 0.27% | $0.00 | Rp 125,562,064.60with bank transfer to bank deposit | +Rp 1,243,589.31 | |
| $10,000 | 0.27% | $0.00 | Rp 179,494,054.00with bank transfer to bank deposit | +Rp 1,901,759.89 |
Mid-market rate: 1 USD = 17986.0000 IDR
There are 9 companies available for sending money from the US to Indonesia, across app, broker, online, multi-currency account, global account, and in person, and more.
For regular transfers home
If you send a few hundred dollars home every payday, an app is usually the cheapest way and the least work.
Wise charges $32.34 on a $7,000 transfer with 0.08% markup, saves your recipient's details for next time, and IDR arrives in same day.
Funding from a US bank account or debit card avoids the 1% federal tax that applies to cash-funded transfers.
Sending without a US bank account
Paying in cash at an agent can work without a US bank account.
The ID accepted depends on the company and the amount, so check before visiting if you do not have an SSN.
Hand $7,000 to a MoneyGram agent in the US, and your recipient will get 124,547,850.7 IDR in minutes - 24 hours.
However, transfers funded with cash or a money order carry a 1% federal tax from January 2021. To avoid it, fund with a debit card or bank account instead (most agents take both).
For one-off transfers
For a one-off transfer, an online service funded from your checking account is usually the cheapest way to send money to Indonesia.
Of all online companies listed here, Wise gets you the most IDR per USD.
On a $7,000 transfer, you will get 125,226,269 IDR after a $32.34 fee and 0.08% markup.
But, bank funding (ACH) takes 1 to 3 business days to clear, while debit cards (and Google Pay/Apple Pay) are usually instant but cost a bit more.
For transfers over $10,000
For large transfers to Indonesia (e.g. a property purchase, tuition, or moving to Indonesia), a broker like Regency FX charges no fee, gives you a dedicated account manager, and adds 0.27% markup on USD/IDR that gets lower the more you send.
It's also good to check Wise since you get a bulk discount on transfers over $25,000.
Business payments from the US
Global accounts are for US businesses paying people abroad.
Companies like Airwallex, WorldFirst, or Payoneer handle the recurring and batch payments, invoicing, tracking, and more.
Holding & spending currencies
A multi-currency account like Wise is the best for holding and receiving IDR.
This is useful for traveling to Indonesia, building up IDR balance, or receiving payments in IDR.
Wise converts $7,000 at 0.08% markup plus small fee and holds the IDR until you spend it.
With Regency FX, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending $7,000 gives your recipient 125,562,064.6 IDR.
Deposit USD by bank transfer, debit card, credit card, and cash deposit.
The simplest way is to pay from your US checking account
Pay by bank transfer using your routing and account numbers.
An ACH payment is usually cheaper than a card, but the it may take some time for it to clear before a money transfer company can send the money to Indonesia.
You can deposit cash
You'll need to visit nearest MoneyGram branch and had over $7,000.
MoneyGram is the cheapest option and will get you 124,547,850.7 IDR on $7,000 transfer after fees.
Transfers funded with physical cash are subject to the 1% US remittance transfer tax, but funding from a US bank account or with a US-issued debit or credit card is exempt.
Zelle, Venmo and Cash App only support domestic transfers, so they cannot send money to Indonesia.
Your recipient in Indonesia can collect IDR through bank deposit, mobile wallet, mobile money, and cash pickup.
They can collect cash in Indonesia
Your recipient can collect IDR from a participating MoneyGram location in Indonesia.
They should take a valid photo ID and the collection reference, and check that the name on the transfer matches their ID.
You pay $7,000.00
Rp125,562,065
Cheapest
You pay $7,000.00
Rp124,896,113
-Rp665,951
You pay $7,000.00
Rp124,896,113
-Rp665,951
You pay $7,001.99
Rp124,547,851
-Rp1,014,214
You pay $7,005.99
Rp124,547,851
-Rp1,014,214
You pay $7,000.99
Rp124,280,647
-Rp1,281,417
You pay $7,210.00
Rp124,280,647
-Rp1,281,417
You pay $7,177.99
Rp123,645,755
-Rp1,916,310
You pay $7,075.99
Rp123,269,353
-Rp2,292,711
You pay $7,179.99
Rp123,269,353
-Rp2,292,711
You pay $7,060.79
Rp123,152,946
-Rp2,409,119
The way you fund the transfer now affects the tax, while US law gives you specific rights if something goes wrong.
Cheapest way to send money to Indonesia
The cheapest option is Regency FX, funded by bank transfer with bank deposit for the payout. Your recipient gets 125,562,064.6 IDR, which is 0.23% 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 124,647,235.5 IDR, with the money arriving in within minutes.
Since January 1, 2026, a 1% federal tax applies when an international transfer is funded with cash, a money order, a cashier's check or a traveler's check.
Funding from a US bank account, including ACH, or with a US-issued debit or credit card is exempt.
The rule applies to how you pay in, so your recipient can still collect cash without triggering the tax.
There is no federal cap on how much of your own money you can send electronically abroad.
Your bank or transfer company can set its own limit and ask for proof of where a large or unusual payment came from.
Cash reports and the declaration for physically carrying more than $10,000 across the US border are separate rules.
Do not split cash transactions to avoid a report.
The US Remittance Transfer Rule requires a covered company to show the exchange rate, fees and expected amount received before you pay.
You can normally cancel within 30 minutes at no charge, provided the money has not been deposited or collected.
You also have error-resolution rights if the wrong amount arrives or the transfer never turns up.
Contact the company first and keep the receipt.
For transfers over $10,000, Wise is the best option.
It offers the best exchange rate, which is more important than the fee for large transfers to Indonesia.
While Wise may not always be the cheapest or fastest way to send IDR, they offer years of experience, and will offer you the peace of mind you need when sending large amounts abroad.
The rate changes how much IDR your recipient gets for your USD. Recent movement gives you a useful benchmark before you send.
Mid-market rate:1 USD = 18,036.00 IDR
We track, save, and analyze the cost, speed, and product offerings of the leading money transfer services available between Indonesia and United States.
We work with leading money transfer companies to provide real time fees and exchange rates.
We also conduct detailed company reviews, combined with in-depth analysis, we can offer the best deals on the market - every time you want to transfer money from United States to Indonesia.
For a deeper understanding of our commitment to integrity and transparency, check out these articles:
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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