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How to send money to Indonesia from US with the best USD-IDR rate

Get the best deals when you send money from the United States to Indonesia. Find the best, cheapest, and fastest, providers for USD to IDR transfers and exchange rates.

Read on for insights and expert information, and all you need to make money transfers to Indonesia from United States.

Transferring the other way? Send IDR from Indonesia to United States instead.
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August 10th, 2025
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Best money transfer companies

Send money from United States to Indonesia

Last updated: Today
Mid-market rate as of 08/10/2025: 1 USD = 16256.1 IDR
Results below are based on a 7000 USD search
0 of 13 providers
Sponsored
Wise
Recipient gets (IDR)
Rp 113,388,011.00
Full transfer details
Visit Wise
Rp 3,009,092 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
Sponsored
Receive a £/$/€25 gift card when you refer a friend! (T&Cs apply)
Xe
Recipient gets (IDR)
Rp 113,349,957.00
Full transfer details
Visit Xe
Rp 2,971,038 better than a typical bank*

"Xe has over 30 years of currency exchange experience, and is one of the most reputable names on the market. 200 countries, 100 currencies, & funds often received in seconds."

Personal account manager
Multi-currency card
Receive to bank account
Dedicated support for larger transactions
Live Rates
Sort by:
Exclusive: First Transfer Deal
1
Regency FX
Recipient gets (IDR)
Rp 113,485,459.71
Full transfer details
Visit Regency FX
Rp 3,106,541 better than a typical bank*

"Regency's UK-based account management team has vast experience. Get support on all kinds of transfers, from overseas property transactions to business payments & more."

Personal account manager
Multi-currency card
Receive to bank account
Professional, personal service
2
Wise
Recipient gets (IDR)
Rp 113,388,011.00
Full transfer details
Visit Wise
Rp 3,009,092 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
Receive a £/$/€25 gift card when you refer a friend! (T&Cs apply)
3
Xe
Recipient gets (IDR)
Rp 113,349,957.00
Full transfer details
Visit Xe
Rp 2,971,038 better than a typical bank*

"Xe has over 30 years of currency exchange experience, and is one of the most reputable names on the market. 200 countries, 100 currencies, & funds often received in seconds."

Personal account manager
Multi-currency card
Receive to bank account
Dedicated support for larger transactions
4
OFX
Recipient gets (IDR)
Rp 113,223,736.50
Full transfer details
Visit OFX
Rp 2,844,818 better than a typical bank*

"OFX have been helping individuals and businesses send money for over 25 years. Transfer in 50+ currencies to 170+ countries, with 24/7 phone access to currency experts."

Personal account manager
Multi-currency card
Receive to bank account
5
WorldRemit
Recipient gets (IDR)
Rp 113,029,150.98
Full transfer details
Visit WorldRemit
Rp 2,650,232 better than a typical bank*

"24/7 live chat support provided in six languages. Special first transfer rates available, with airtime topup supported to many countries in Africa, Asia and South America."

Personal account manager
Multi-currency card
Receive to bank account or cash pickup
6
CurrencyFair
Recipient gets (IDR)
Rp 112,971,200.00
Full transfer details
Visit CurrencyFair
Rp 2,592,281 better than a typical bank*

"Securely send money to and from 150+ countries and 20+ currencies. Same-day transfers avaialble on most major currencies."

Personal account manager
Multi-currency card
Receive to bank account
7
Remitly
Recipient gets (IDR)
Rp 111,316,100.00
Full transfer details
Visit Remitly
Rp 937,181 better than a typical bank*

"Remitly focuses on sending money to friends and family in Asia, Africa and South America. Wide coverage and well-suited to regular transfers home."

Personal account manager
Multi-currency card
Receive to bank account or cash pickup
Mid-market rate updates every 60 minutes
Estimated Rates
We don't have access to live rates from these companies. Instead, we've researched their average exchange rates and fees.
Not Recommended
These providers aren't as competitive as the others we've reviewed.
  • Capital One
    Capital One
    Recipient gets (IDR)
    Rp 109,240,992.00
    Not recommended
  • PayPal
    PayPal
    Recipient gets (IDR)
    Rp 104,762,111.33
    Not recommended
Sponsored
Wise
Recipient gets (IDR)
Rp 113,388,011.00
Full transfer details
Visit Wise
Rp 3,009,092 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
Sponsored
Receive a £/$/€25 gift card when you refer a friend! (T&Cs apply)
Xe
Recipient gets (IDR)
Rp 113,349,957.00
Full transfer details
Visit Xe
Rp 2,971,038 better than a typical bank*

"Xe has over 30 years of currency exchange experience, and is one of the most reputable names on the market. 200 countries, 100 currencies, & funds often received in seconds."

Personal account manager
Multi-currency card
Receive to bank account
Dedicated support for larger transactions

Overall best way: Wise

Wise is our recommended company for transferring US Dollar to Indonesia.

We tested & reviewed 13 transfer providers, and Wise scored highly.

Sending 7,000 USD to IDR will cost you $39.41 in fees, and you will get 113,388,011 IDR. The delivery time is within a week, but it depends on the day you make the transfer.

So for a great mix of cost, speed & features, make your United States to Indonesia transfer using Wise.

Wise is the top rated company for sending money from United States (USD) to Indonesia (IDR) - Wise Screenshot

How to compare deals on your United States to Indonesia transfer

Summary of recent searches

Top rated for transfers from United States to Indonesia
Wise
Total number of US - ID providers
13
Average cheapest fees & rate
Regency FX
Average fastest transfer
Regency FX
Average transfer time
Within minutes
Best for bank transfers
Regency FX
Best for debit card
Xe
Best for credit card
Paysend

Considerations when sending from United States to Indonesia

1
Compare providers

Comparing money transfer companies with services between the United States and Indonesia, based on your specific transfer amount and transfer needs, is the best way to send money at the best price.

For this route, we’ve compared 13 providers providing services between United States and Indonesia. This ensures you will get the best options when sending Rupiah to Indonesia.

Over the last 7 days, we’ve picked Wise as the best overall provider. However, comparing based on the amount you want to send to Indonesia will provide a specific provider that’s best for transferring money from the United States.

2
Understanding the US Dollar-Rupiah exchange rate
3
Choose the right payment method
4
Financial regulations
5
Consider transfer limits
6
Receiving money from US Dollar in Indonesia
7
Confirm the ID you need
8
Tax declarations

Cheapest way to transfer money from the United States to Indonesia: Regency FX

Regency FX offers the lowest cost transfers between the United States and Indonesia out of the 13 providers compared.

Our data shows Regency FX is 0.09% cheaper than the second-best option. The company offers a fee of 0 USD and an exchange rate between USD and IDR that is 0.27% different to the mid-market rate.

For a cheap way to send USD to Indonesia, Regency FX is a great all round choice.

Fastest way to send money to Indonesia from the United States: Regency FX

We compared 13 companies and found Regency FX offers the fastest money transfers between the United States and Indonesia.

The transfer time is minutes - 24 hours with Regency FX for a $7,000 transfer, but it will depend on the time, day of the week, and the amount you send.

A USD-Rupiah transfer through Regency FX comes with a 0 USD fee (based on a $7,000 transfer).

To ensure Regency FX was the 'fastest' option we compared 13 providers. This comparison was for overall speed of sending money from the United States to Indonesia and is a combination of depositing US Dollar, transfer times to Indonesia and withdrawal timeframes where applicable.

When speed is a priority, Regency FX is the top choice for sending into Indonesia from the United States.

Send large sums of money

Transferring bigger amounts of money from the United States to Indonesia should be done with the exchange rate and management of the service in mind.

Wise offers the strongest all round option for large transfers of the
13 money transfer companies compared.

Whether for business or a property purchase, sending large amounts of money can be expensive if you get a bad exchange rate from Rupiah to Rupiah.

As such, opt for Wise for sending large sums of money to Indonesia from the United States.

Understanding the cost of transferring money from United States to Indonesia

The total cost of money transfers from United States to Indonesia is a combination of fees and exchange rates. Get the best of both, and you will be getting a good deal.

The Mid-Market and Exchange Rates: The mid-market rate for USD-IDR is currently 16,256.1 IDR per US Dollar. Providers offering services closer to this rate will ensure more Rupiah for your US Dollars.

  • To give a historic average, over the last 7 days the USD-IDR mid-market rate has been 16,333.5929 IDR per US Dollar, this has had a high of 16,385.9 and a low of 16,256.1.

  • From the 13 companies compared, Wise offers the best exchange rate on transfers to Indonesia and the United States.

  • Generally, the exchange rate you receive on converting USD to IDR will be the biggest factor impacting the cost of sending US Dollars to Indonesia.

Fees: Transfer fees are charged alongside a transfer. The company offering the lowest fee is Regency FX, just 0 USD per transfer. In all cases, we recommend searching for your exact send amount as fees may change.

Amount Received: Money transfer companies will show you the amount eventually received in Rupiah. Simply, the higher the amount received in the United States, the lower the cost of sending from Indonesia.

Finding the best exchange rate for US Dollar to Rupiah

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

Mid-market Rate
1 
USD
=
16256.100000 
IDR

Over the last week, here’s what we’ve seen:

  • The exchange rate from USD to IDR averaged 16,333.5929 IDR.

  • The highest value recorded was 16,385.9 IDR, while the lowest was 16,256.1 IDR.

  • There are currently 13 providers offering transfers between the United States and Indonesia close to this rate

Want to secure the best USD-Rupiah exchange rates?

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

Funding your United States to
Indonesia transfer

  • Bank transfers

    The default option for sending money from the United States to Indonesia is often a bank transfer.

    Using a money transfer company, such as Regency FX for transfers from the United States to Indonesia, allows for sending via a bank transfer while benefitting from lower fees and more favorable exchange rates. 


    From the 13 we tested, the cheapest provider for bank transfers from USD to Indonesia is Regency FX.

    With a fee of USD0 to send money from the United States to Indonesia, Regency FX offers a great combination of competitive exchange rates and lower fees.


  • Prepaid and debit cards

    Sending money from the United States to Indonesia with a prepaid or debit card is easy with Xe.


    Xe is a leader in accepting card payments for transfers between the United States and Indonesia.

  • Credit cards

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

    Fee alert: using a credit card to transfer money can mean a fee being charged by your card issuer. We recommend bank transfer or debit card instead.

How we analyze the market

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


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 United States to Indonesia.


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


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

Money transfer company reviews

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How long does it take to send money from United States to Indonesia?
What is the best exchange rate I can get for sending money from United States to Indonesia?
Are there any minimum or maximum transfer amounts for sending money from United States to Indonesia?
Can I schedule regular transfers between United States and Indonesia?

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 the founder and CEO of MoneyTransfers.com, with over 10 years’ experience building consumer products across finance, insurance, and travel. A frequent traveler himself, Luke has hands-on experience testing payment and transfer services globally, giving him a unique perspective on the real-world challenges users face. Luke focuses on the payments sector and foreign exchange markets, as well as personal finance more broadly.
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