Send Money from Netherlands to Indonesia

There is no single cheapest provider on this corridor — it depends on how much you send and how your recipient is paid. Compare the total amount received in Indonesian rupiahs rather than the advertised fee, since the exchange rate margin is usually the larger cost. Bank deposit is typically cheaper than cash pickup.

Delivery ranges from minutes to a few business days depending on the provider and payout method. Western Union can deliver within minutes when you pay by debit card. Bank-funded and economy transfers typically take one to three business days but usually cost less. Transfers sent outside banking hours or over a weekend may not settle until the next working day.

Across the providers we compare, the available payout methods are GoPay, bank deposit, cash pickup, mobile wallet and card payout. The most widely used options in Indonesia are bank deposit and mobile wallets such as OVO and DANA. Indonesian bank transfers usually clear same day; wallet delivery is typically instant. Not every provider supports every method, so check the table above before you commit.

No. Remitly and Western Union offer cash pickup in Indonesia, so your recipient can collect the funds with valid photo ID and the transfer reference number. That said, bank deposit and mobile wallets such as OVO and DANA generally cost less than cash collection.

Providers rarely give you the mid-market rate — the reference rate you see on Google or Reuters. Instead they add a margin, typically between 0.4% and 4%, and keep the difference. That margin is often larger than the visible transfer fee, which is why a "no fee" service can still be more expensive overall. For EUR to IDR, compare the quoted rate against the mid-market rate to see the real spread you are paying.

Yes, provided you use a licensed provider. Every service listed on this page is regulated in Netherlands under De Nederlandsche Bank, which requires safeguarding of customer funds and identity verification. Send only to people you know personally, keep your transfer reference private, and be sceptical of anyone pressuring you to send money urgently to someone you have not met.

Yes. Each provider sets its own transfer limits, which vary by how much identity verification you have completed and how you pay. Larger transfers may require additional documentation such as proof of source of funds. For transfers above roughly €10,000, a specialist foreign-exchange broker will often beat an app on rate.

Remitly's promotional rate covers only the first 500 EUR on this corridor, against 800 EUR on this hub's Türkiye page. The offer text is near-identical on both; the cap is not. If you are sending more than 500 EUR, the remainder converts at the ordinary rate. The rupiah figure is large enough to obscure the comparison — a few hundred thousand rupiah of difference is easy to overlook next to a seven-figure total. Convert the quoted payout back to euro before deciding, or compare the exchange rate rather than the total. Wise's debit and credit card figures are not quoted here. Two independent reads of the page on the same day returned 9.78 and 14.09 for the debit row and 20.08 and 40.33 for the credit row, while the balance, bank transfer, open-banking and wallet rows came back identical both times. Wise's Dutch pages offer an open-banking payment option that its American, Singaporean and Swiss pages do not. At 6.23 EUR it sits well below the ordinary bank transfer at 8.07 EUR, for the same money leaving the same account. Two of the three services here accept iDEAL, and Western Union also accepts Wero. From a Dutch bank account these are the cheapest way into a transfer and usually faster than a SEPA transfer that has to clear.