Send Money from Canada to Indonesia
Fees and exchange-rate margins from Canada to Indonesia vary widely. Compare what your recipient actually receives, not the advertised fee.
What does your recipient in Indonesia actually get?
IDRBest checked payout · on C$1,000IDR 12,692,067
At the mid-market rate · C$1,000IDR 12,689,748.04
Wise · fee percentage of amount · checked September 2026IDR 306,042 more than the lowest of the 3 amounts we hold for this corridor.
1 CAD = 12689.7480 IDR
30-day range12,693 – 12,924 IDR
One checked amount above reads higher than the benchmark, which no provider actually manages: the amounts are stored from when we checked them and the rate beside them is today’s. Treat the amounts as the shape of the market rather than a quote, and confirm the figure with the provider. How the margin worksCAD→IDR reference rate for Sep 10, 2026, updated automatically · Rates By Exchange Rate API · 30-day series: European Central Bank
Compare 4 ways to send money to Indonesia
Checked recipient amounts cover 3 of 4 providers here, collected from the Wise Comparison API — which quotes its own operator among them. The rest show each provider's published terms, and are ordered by payout coverage rather than by amount.
Recipient amounts collected and stored, not fetched as this page loads. Exchange rates move daily. Fees below are quoted for bank transfer at 1000 CAD.
| Provider | Recipient getsby bank transfer | What it costs | Arrives | Payout | Open provider |
|---|---|---|---|---|---|
| Recipient amount checked (3) | |||||
 | IDR 12,692,067IDR 306,042 more than the lowest of the 3 we checked | CA$7.300.00% rate margin, measured | Minutes | Payout methods: Bank deposit | Go to Wise |
 | IDR 12,433,686 | CA$1.992.54% rate margin, measured | Minutes to days | Payout methods: Bank deposit, Cash pickup, Mobile wallet | Go to Western Union |
 The only provider confirmed to name all three major Indonesian wallets | IDR 12,386,025 | CA$2.992.82% rate margin, measured | Varies | Payout methods: Bank deposit, Cash pickup, Mobile wallet | Go to Remitly |
| Published terms only (1) | |||||
 Flat fee with mobile money delivery | Check provider | VariesRate not published — confirm before sending | Minutes | Payout methods: Bank deposit, Cash pickup, Mobile wallet | Go to WorldRemit |
- Recipient amount checked (3)
- Best value
Mid-market rate on bank deposits
- Recipient gets (bank transfer)
- IDR 12,692,067IDR 306,042 more than the lowest of the 3 we checked
- Cost
- CA$7.300.00% rate margin, measured
- Arrives
- Minutes
- Payout
- Payout methods: Bank deposit
- Lowest advertised fee
The largest cash network — over 19,000 locations
- Recipient gets (bank transfer)
- IDR 12,433,686
- Cost
- CA$1.992.54% rate margin, measured
- Arrives
- Minutes to days
- Payout
- Payout methods: Bank deposit, Cash pickup, Mobile wallet
The only provider confirmed to name all three major Indonesian wallets
- Recipient gets (bank transfer)
- IDR 12,386,025
- Cost
- CA$2.992.82% rate margin, measured
- Arrives
- Varies
- Payout
- Payout methods: Bank deposit, Cash pickup, Mobile wallet
- Published terms only (1)
Flat fee with mobile money delivery
- Recipient gets (bank transfer)
- Check provider
- Cost
- VariesRate not published — confirm before sending
- Arrives
- Minutes
- Payout
- Payout methods: Bank deposit, Cash pickup, Mobile wallet
What it costs has two parts: the advertised fee, and the exchange-rate margin kept by paying your recipient less than the mid-market rate. The margin is usually the larger, and is never labelled as a fee. Figures are each provider’s published terms, plus bank-transfer quotes from the Wise Comparison API, a source operated by a company this site also ranks — open a provider for a live quote. Recipient amounts are shown only for the providers we hold a checked figure for, which is some of those listed here rather than all of them.
Ordered by the amount the recipient receives, highest first, across every provider we hold a checked figure for — then by payout coverage, delivery speed and published fees. Affiliate arrangements never affect this order.
- Best value — Highest amount reaching the recipient on our benchmark transfer, among the providers we hold a checked amount for — which is some of those listed, not all of them.
- Lowest advertised fee — Lowest advertised transfer fee where a specific figure is published.
Where two providers tie, the one supporting more payout types is listed first, then the faster one, then alphabetically. A label is left unawarded whenever the data we hold cannot support it — we would rather show fewer claims than invented ones. Those amounts cover some of the providers listed, not all of them, and the set is chosen by the source that supplies them rather than by us. Full methodology
Independent — providers cannot pay for placement or ranking · Consistent — every checked amount measured on the same corridor at the same send amount, and any fee quoted on a different basis says so on its own row · Transparent — the advertised fee kept separate from the rate margin
Quick verdict: the best way to send money to Indonesia
Each line names the provider that leads on one specific need, and why. There is no single winner because there is no single question — the lowest fee and the fastest delivery are rarely the same provider.
- If you want the most money to arriveWiseBest valueMid-market rate on bank deposits
- If you want the lowest advertised feeWestern UnionLowest advertised feeCA$1.99 bank transfer at 1000 CAD.
Chosen by the same rules that order the table, from each provider’s published terms. A need with no clear leader is left out rather than handed to whoever happens to be first.
How much you send changes which provider is cheapest
A transfer costs two things: a fee you can see, and a cut of the exchange rate you cannot. They scale in opposite directions, so the best provider for C$200 to Indonesia is often not the best provider for C$5,000.
The flat fee is most of what you pay
On a small transfer a C$5 fee is a real percentage of the money. A rate margin of half a percent on C$200 is one dollar — small enough to ignore. Sort by the fee and take the lowest one you trust.
The exchange rate is most of what you pay
The fee stops mattering and the rate takes over. Half a percent on C$5,000 is C$25 — five times a typical fee, and no provider calls it a charge. A zero-fee offer on a large transfer is the one most worth checking.
CAD to IDR at common amounts
| You send | Mid-market value | Load into calculator |
|---|---|---|
| CA$100.00 | IDR 1,268,975 | |
| CA$250.00 | IDR 3,172,437 | |
| CA$500.00 | IDR 6,344,874 | |
| CA$1,000 | IDR 12,689,748 | |
| CA$2,500 | IDR 31,724,370 | |
| CA$5,000 | IDR 63,448,740 |
Pick a row to load that amount into the calculator at the top of the page. These are mid-market values, not provider quotes — every service pays your recipient somewhat less, so use them as the figure to measure an offer against.
What is the cheapest way to send money to Indonesia?
Wise delivers the most money on our benchmark transfer — fee and exchange rate together, which is the comparison that matters. Lowest published fee is a different question, and on most corridors a different answer:
Fees as published by each provider on their own site, checked by hand.
What is the fastest way to send money to Indonesia?
Wise quotes the fastest delivery on this corridor at minutes, and so does WorldRemit. Published speeds describe the fastest route a provider offers, not every route: paying by card and sending to a wallet is usually near-instant, while a bank transfer funded by direct debit takes longer whoever you send with.
Indonesia at a glance
- Currency
- IDR · Indonesian rupiah
- Payout methods
- Bank deposit · Cash pickup · Mobile wallet
- Typical delivery
- Minutes to minutes to days
- Cash pickup
- Available from 3 of 4 providers
- 2 of the 4 providers can deliver within minutes, including Wise and WorldRemit.
- Cash pickup is available through Remitly, WorldRemit and Western Union — no bank account needed.
Before you send to Indonesia
- OVO, DANA and GoPay are Indonesia's dominant e-wallets. Remitly names all three explicitly; other providers offer generic mobile money without naming the wallet, so confirm which one your recipient uses before sending.
What it costs to send money to Indonesia
Sending money from Canada to Indonesia converts Canadian dollars (CAD) into Indonesian rupiahs (IDR). Most of the real cost is not the headline fee — it is the exchange-rate margin, the gap between your quoted rate and the mid-market rate banks use between themselves. Two providers can both advertise "no fees" and still differ by several percent on what actually arrives.
Indonesian bank transfers usually clear same day; wallet delivery is typically instant.
That is why the comparison above leads with how your recipient can be paid rather than with a headline price: match the service to how they actually want the money, then check the final quote.
How to choose the right provider
Compare the amount received, not the fee
Enter the same amount with two or three providers and compare what your recipient in Indonesia actually receives in Indonesian rupiahs. That one number folds the fee and the rate margin together.
Match the payout method to your recipient
In Indonesia the common rails are bank deposit and mobile wallets such as OVO and DANA. A slightly pricier provider paying into the wallet or account they already use beats a cheaper one that means a trip to an agent.
Pay more for speed only when you need it
Wise and WorldRemit can deliver within minutes, but express usually costs more in fee or margin. If it is not urgent, the economy option on the same platform is often meaningfully cheaper.
Check cash pickup coverage before you send
Remitly, WorldRemit and Western Union offer cash pickup in Indonesia. Check the specific branch is open and stocked before sending, especially outside major cities.
Verify the provider is licensed
Any service moving money out of Canada should be registered with FINTRAC. Everyone we list is — worth checking for any service you find elsewhere.
Indonesia corridor insights
Researched figures for this corridor, each linked to its original source.
Around 28,290 people of Indonesian origin lived in Canada at the 2021 census, roughly double the count from 2006 but still a small community relative to the Indian, Chinese or Haitian diasporas.
Remittances equal roughly 2.5% of Indonesia's GDP — a modest share for a country of its size, reflecting a large domestic economy rather than low diaspora activity.
World Bank · 2024
Western Union operates over 19,000 payout locations in Indonesia, one of the densest cash networks of any destination on this site — useful across an archipelago of thousands of islands.
Western Union · 2026
Frequently Asked Questions
Sending to Indonesia from somewhere else
All routes to Indonesia →Other corridors to Southeast Asia from Canada
Before you send
Ready to compare your transfer?
See rates, fees and delivery options for 4 services side by side.