The comparison table above helps you see the total cost of your Wise currency transaction by showing the exchange rates offered by different providers. It also makes it easy to spot potential savings from market-leading FX services compared to bank rates.
To see a full list of available providers, simply enter your transaction type, details and click ‘GET RATES’.
Wise - USD Rate Margin Analysis
The average USD rate margin offered by Wise is 0.58%.
This average is based on individual USD 10K transfer rates in the currency pairs from Wise that we monitor.
Wise - Best and Worst Value Rates
The tables below show the best and worst exchange rate margins offered by Wise for US dollar (USD 10K)
transactions. Margins show the percentage difference from the mid-market rate.
Bias
bullish-to-range-bound; USD/IDR sits above its 90-day average and in the upper half of the three-month range.
"USD/IDR holding near the upper 3-month range; rate cuts later in 2026 cap gains. Strong Indonesian trade surplus supports rupiah."
Key drivers
- Rate gap: The US Federal Reserve is expected to cut rates toward a neutral stance in 2026, which could cap USD gains. If rate expectations shift toward quicker easing, the dollar may soften further.
- US labor market data: Upcoming non-farm payrolls and unemployment data will shape Fed expectations and USD moves; a stronger report could lift the dollar, a softer one could weigh it.
- Indonesian resilience: Indonesia's economy remains resilient with a trade surplus, supporting the rupiah even as foreign inflows ease; policy stability lends some protection.
Range
USD/IDR is likely to drift within the three-month range, with a tendency to test the upper end but not break past it as flows stabilize.
What could change it
- Upside risk: stronger US payrolls data or hawkish Fed commentary that reinforces dollar demand.
- Downside risk: clearer path for US rate cuts or improved foreign inflows to Indonesian assets boosting the rupiah
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USD to IDR Conversion: What Is Your Money Worth?
To help you understand the real-world value of the current exchange rate, the table below shows how much US dollar are worth in Indonesian rupiah across a range of amounts.
This gives a quick view of what you’d get when converting different USD amounts at today’s rate * :
What is the
Wise Send Money conversion rate for USD to IDR?
The Wise USD to IDR exchange rate is 16682.87. This is -1.2% compared to the latest USD-IDR mid-market rate 16,890.
As exchange rates can vary
significantly between banks and also between currency exchange providers,
it's therefore important to carefully compare
US dollar (USD) to Indonesian rupiah (IDR) rates from different sources before making a conversion.
The above
Wise - Dollar to Rupiah comparison table
makes it easy to compare the Total Fees (both variable and fixed) you are being charged by
Wise and other foreign exchange providers against the latest USD-IDR mid-rate and the possible savings of using various providers.
How do Wise USD-IDR rates compare between providers?
Looking at the full
USD to IDR - Send Money comparison table the provider with the best USD to IDR exchange rate is XE at 16789.12, -0.6% from the latest mid-market rate 16,890.
It's important to note that exchange rates also fluctuate frequently due to market conditions. Additionally,
banks and foreign exchange providers often apply a margin to the exchange rate, resulting in a less favorable rate for customers compared to the mid-market rate.
For more competitive rates, you might consider using a specialized currency exchange service
like Wise or platforms that offer rates closer to the mid-market rate.