Changing IDR to USD in Indonesia: the cheapest way, and what the rest cost you
The spread takes 0 IDR if you pay by card with Bank Negara Indonesia (BNI), and 41,736.23 IDR at Bank Mandiri's banknote desk, up to 160,554.24 IDR at Bank Mega.
Same money, same day — a 41,736.23 IDR difference for choosing how you pay rather than where.
Every figure is read from a bank's own published board, or derived from a margin it discloses — named in the evidence column, never inferred. We do not rank by any commercial relationship; the order below is the rate, and nothing else.
Which method costs least
This is the choice worth the most money, and the one most comparisons skip. Cash desks sit several points above card and transfer rates in every country we measure.
| Method | Cheapest here | Costs you | How we know |
|---|---|---|---|
| Pay by card The rate your card issuer converts at, plus the fee it discloses. |
Bank Negara Indonesia (BNI) | 0 IDR | 2.5% disclosed fee, checked 2026-07-23 |
| Transfer / account conversion What the bank converts at when the money moves between accounts. |
Bank Rakyat Indonesia (BRI) | 11,163.83 IDR | read from bri.co.id |
| Buy banknotes at a branch The bank's own banknote board — the widest spread of the three, everywhere we measure. |
Bank Mandiri | 41,736.23 IDR | read from www.bankmandiri.co.id |
Cash withdrawals at an ATM are left out on purpose: they carry a per-withdrawal fee we do not collect, so listing them beside the others would flatter them.
Every bank's cash / banknotes rate
If you have to use a branch anyway, this is the order to try them in — 4 banks, cheapest first. The dearest takes 1.2% more than the cheapest.
| Bank | Buys USD | Sells USD | Costs you |
|---|---|---|---|
| Bank Mandiri own board | 17670.0000 | 17970.0000 | 41,736.23 IDR |
| Read from the board this bank publishes at www.bankmandiri.co.id. | |||
| Bank Central Asia (BCA) own board | 17755.0000 | 18035.0000 | 77,626.84 IDR |
| Read from the board this bank publishes at www.bca.co.id. | |||
| Maybank Indonesia own board | 17860.0000 | 18060.0000 | 91,362.13 IDR |
| Read from the board this bank publishes at www.maybank.co.id. | |||
| Bank Mega own board | 17707.0000 | 18187.0000 | 160,554.24 IDR |
| Read from the board this bank publishes at www.bankmega.com. | |||
Every bank's transfers rate
If you have to use a branch anyway, this is the order to try them in — 5 banks, cheapest first. The dearest takes 0.7% more than the cheapest.
| Bank | Buys USD | Sells USD | Costs you |
|---|---|---|---|
| Bank Rakyat Indonesia (BRI) own board | 17615.0000 | 17915.0000 | 11,163.83 IDR |
| Read from the board this bank publishes at bri.co.id. | |||
| Bank Mandiri own board | 17690.0000 | 17990.0000 | 52,807.12 IDR |
| Read from the board this bank publishes at www.bankmandiri.co.id. | |||
| Maybank Indonesia own board | 17934.5000 | 17996.0000 | 56,123.58 IDR |
| Read from the board this bank publishes at www.maybank.co.id. | |||
| Bank Central Asia (BCA) own board | 17755.0000 | 18035.0000 | 77,626.84 IDR |
| Read from the board this bank publishes at www.bca.co.id. | |||
| Bank Mega own board | 17847.0000 | 18047.0000 | 84,224.52 IDR |
| Read from the board this bank publishes at www.bankmega.com. | |||
Tell me when this changes
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Rates are IDR per 1 USD; "costs you" is the part of your amount the spread absorbs, against 17895.0000, the reference these banks price from. Collection began 2026-06-24. Indicative information for comparison, not financial advice. What each country's rates are officially anchored to is on the references page. Generated 2026-10-01.