How to send money to Indonesia from Canada with the best CAD-IDR rate

Comparing based on your specific needs is the best way to send money from Canada to Indonesia with confidence.

Right now, for CAD/IDR

• Wise is our top choice for CAD to IDR transfers. Sending 1,000 CAD to IDR will cost you $7.3 in fees, and you will receive 12,701,199 IDR. The delivery time usually is next day.

• Taptap Send offers the lowest fees of the 12 available options. This cost combines the exchange rate between the Canadian Dollar and Rupiah that is 0.04% different to the mid-market rate and the fee of 0 CAD.

• Fastest way to transfer money to Indonesia from Canada is with Taptap Send. For example, sending $1,000 to Indonesia with Taptap Send will be minutes. But, it can be quicker or longer depending on the exact amount, as well as the day and time of your transfer.

Our analysis, and search results, include 12 providers that operate between Canada and Indonesia. These are ranked by speed, overall cost and ease of use.

Through this, you get a comprehensive view of all the options you have in Canada when you need to send money to Indonesia.

The exchange rate determines the price you’ll pay for Rupiah when you send Canadian Dollar to Indonesia.

The current exchange rate between the Canadian Dollar and Rupiah is 12,790.0073, but it constantly changes.

When calculating the costs of money transfers between Canada and Indonesia, opt for the best combination of fees and exchange rates:

• The Mid-Market and Exchange Rates: Today, the CAD-IDR mid-market rate equals 12,790.0073 IDR per Canadian Dollar.

• Fees: Fees are charged on top of a transfer. The company offering the lowest fee is Taptap Send, only 0 CAD. We would recommend searching for your exact send amount to get an idea of fees.

• Amount Received: The amount received in Rupiah is the biggest indicator the total cost of sending money from Canada to Indonesia. Essentially, the more the recipient receives in Indonesia, the less it is costing to send from Canada.

It’s possible that waiting a day or two can help you get more IDR for the same amount of Canadian Dollar. But, the best way to lock in a price between Canada and Indonesia is by using a forward contract.

A debit card is the our recommended option for money transfers between Canada and Indonesia.

Here are all the ways to send money from Canada to Indonesia:

Bank transfers

Paying via a bank transfer is often the better option for sending money from Canada to Indonesia.

By using a money transfer company such as Western Union for transfers from Canada to Indonesia, you can send money and while benefit from lower fees and more favorable exchange rates than you would get with a traditional bank. 


Debit and prepaid cards

Sending money from Canada to Indonesia with a debit or a prepaid card is easy with Wise.


Wise is a one of the better options in the market for international debit card transfers from Canada to Indonesia.

Credit cards

When it comes to credit card transfers from Canada to Indonesia, we recommend comparing your options to get the best deal.

Always choose providers that are regulated by financial authorities in both Canada and Indonesia to ensure funds are protected.

Please refer to our directory of financial regulators worldwide for key regulatory bodies for money transfers between Canada and Indonesia.

Some services have minimum or maximum thresholds on how much you can transfer from Canada to Indonesia.

Companies will offer different rates and fees for different transfer amounts. Some companies will become more expensive after certain thresholds are hit.

We’d recommend using Wise if you need to send large amounts of CAD to Indonesia. The combination of rates and fees when sending to Indonesia is the most competitive, even at larger amounts.

Also, always check with the recipient and understand any declarations needed on large amounts of money leaving Canada, or entering Indonesia. Mis-understanding these could result in a slower, or even failed, transfer.

There are different ways to receive money in Indonesia. You can do a direct bank deposit, cash pickup, use a mobile wallet or receive money into a multi-currency account. It’s likely not all providers serving transfers from Canada to Indonesia will offer every method, so it’s best to check ahead of time.

A direct transfer to a bank account is one of the more common ways to transfer from Canada into Rupiah. Wise is the best company for bank transfers between Canada and Indonesia.

And if you need cash right away, check if cash pickup is an option for transfers between Canada and Indonesia.

Mobile wallet services and payment apps like PayPal, Xoom, and CashApp are popular too, but they come with more limitations and higher costs compared to money transfer providers like Taptap Send.

When signing up to a money transfer company to send between Canada and Indonesia, you will need to verify your ID.

The exact documents you need might vary and in some cases you will need more than one.

For the most part, in Canada this will be a government ID like a passport or driver's license. In Indonesia it will be a similar set of documents, although this should only be needed if you are opening a new account in Indonesia, or collecting in cash.

Big transactions between Canada and Indonesia, are subject to additional checks. A provider may ask you for proof of address or may want to know where the money comes from.

We recommend Wise in part due to their easy sign up process in Canada.

When sending large amounts of money between Canada and Indonesia there will be tax implications to consider.

Some transfers into Rupiah may need to be reported to tax authorities in Indonesia, particularly where inheritance or property purchases are involved.

Tax limits and personal allowances differ in Indonesia based on age, income and a few other elements. When in doubt, please contact a tax professional in Canada or Indonesia to discuss your personal circumstances.