IndonesiaIDRIndonesian Rupiah
Need rupiah in Bali? Choose cash—ask a manager for the current list of payout locations in Bali and on other islands—or receive IDR in a BCA account. Transfer availability depends on the recipient bank and payment route. Submit your request online, and an ATM24 manager will contact you within 15 minutes to confirm the route.
The route, the receiving bank and the payout amount are agreed before payment.
Bali is one of Southeast Asia’s largest hubs for Russian digital nomads and tourists. Common needs include paying rent for a villa or apartment in IDR, covering everyday expenses and services, and receiving Indonesian rupiah in cash without exchanging money at airport currency exchanges, where rates are often less favorable.
With ATM24, recipients can receive money in an Indonesian bank account or as cash in supported cities. Indonesian banks, including BCA (Bank Central Asia), BNI, BRI, and Bank Mandiri, conduct standard AML/KYC checks, so the availability of a specific international transfer depends on the recipient bank, correspondent route, amount, and payment purpose. International transfers may use available SWIFT routes, with funds credited in IDR or another currency supported by the recipient account.
For one-time rent, tuition, service, and other domestic payments, a local transfer to an Indonesian bank account is often more convenient and may be credited within minutes. It generally requires the bank name, account number, and recipient’s full name. International SWIFT transfers are more commonly used for larger payments, such as property purchases or payments made using official bank details, and may take several banking days. Cash payouts in IDR, including in Bali, are also available for everyday expenses; supported cities and payout methods are confirmed when the ATM24 request is submitted.
Transfer terms for Indonesia: destination — Indonesia. Payout currency — IDR (Indonesian rupiah). Funding currencies — RUB, USDT, and other supported currencies. Payout methods — bank account, card, or cash in IDR. ATM24 fees start at 0.9%. A manager responds to the request within 15 minutes. The minimum amount depends on the selected transfer method and is confirmed before the order is placed.
Indonesia’s payment ecosystem includes several major payment systems and services. BI-FAST is Bank Indonesia’s national real-time retail payment infrastructure, launched in 2021; it supports 24/7 transfers between participating banks and is primarily used for domestic payments in IDR. GoPay is a major Indonesian digital wallet integrated into the Gojek ecosystem and used for transport, delivery, purchases, and transfers. OVO is another widely used Indonesian e-wallet for payments in shops, restaurants, and services, including in Bali; its partnership with Grab remains an important part of its reach. DANA is a fast-growing Indonesian digital wallet for payments, transfers, and online shopping and is integrated with major marketplaces, including Tokopedia.
BCA, Bank Mandiri, BNI, and BRI are among the country’s largest banks and handle domestic and international transfers. Standard branches generally operate Monday through Friday, roughly from 8:00 a.m. to 3:00 p.m.; some branches open on Saturdays, and opening hours in Bali may change on national and religious holidays. The Financial Services Authority (OJK, Otoritas Jasa Keuangan) supervises the financial sector, while Bank Indonesia regulates payment infrastructure and payment systems. Indonesia is connected to SWIFT but does not use IBAN. An international bank transfer generally requires the recipient bank’s SWIFT/BIC, account number, and the recipient’s full name.
Visa and Mastercard cards issued by BCA, BNI, BRI, Bank Mandiri, CIMB Niaga, and other Indonesian banks. You will need the 16-digit card number and the cardholder’s full name in Latin characters. Availability of an IDR card credit is confirmed with a manager before payment
Accounts at BCA (CENAIDJA), Bank Mandiri (BMRIIDJA), BNI (BNINIDJA), and BRI (BRINIDJA). You will need the bank’s SWIFT/BIC, the IDR account number, and the recipient’s full name in Latin characters; Indonesia does not use IBAN. After the ATM24 request is confirmed, an IDR credit via SWIFT generally takes 4–7 business days
Cash payouts are available in selected cities; ask an ATM24 manager for the current list. The recipient must present a passport. ATM24 reviews the request within 15 minutes, and the payout is made on the agreed date
For a SWIFT transfer to an Indonesian bank account, you will need the bank’s SWIFT/BIC (for example, BCA: CENAIDJA; Bank Mandiri: BMRIIDJA), the IDR account number, and the recipient’s full name in Latin characters. Indonesia does not use IBAN. Banks may request supporting documents about the source and purpose of funds regardless of the amount; an ATM24 manager will explain the requirements before payment.
We accept RUB, USD, EUR and USDT — we pay out in IDR
RUB IDR
189.2per 1 RUB
10 000 ₽ = 1 891 986 IDRUSD IDR
16,962.23per 1 USD
100 $ = 1 696 223 IDREUR IDR
19,228.45per 1 EUR
100 € = 1 922 845 IDRUSDT IDR
16,962.23per 1 USDT
100 USDT = 1 696 223 IDR| You send | Payout in IDR |
|---|---|
| 100 USDT | 1 696 223 IDR |
| 300 USDT | 5 088 670 IDR |
| 500 USDT | 8 481 117 IDR |
| 1 000 USDT | 16 962 234 IDR |
| 5 000 USDT | 84 811 171 IDR |
Where recipients usually get the money in Indonesia
Type: State-owned; Incoming SWIFT: Yes (BRINIDJA); Key information: One of the country’s largest banks by branch network, with broad coverage in rural areas.
Type: State-owned; Incoming SWIFT: Yes (BMRIIDJA); Key information: Indonesia’s largest state-owned bank, with an extensive network across the archipelago.
Type: Private; Incoming SWIFT: Yes (CENAIDJA); Key information: A major private bank with extensive coverage in Bali. Availability of an incoming SWIFT transfer depends on the bank and payment route.
Type: State-owned; Incoming SWIFT: Yes (BNINIDJA); Key information: A major state-owned bank that handles international transfers and has an extensive branch network.
Bank Syariah Indonesia BSI — a local bank with standard account and cash services. Transfer availability depends on the details, currency, and bank rules.
National currency
Indonesia’s national currency is the Indonesian rupiah (IDR). Its exchange rate against the US dollar is market-driven, with Bank Indonesia participating in the foreign-exchange market. Additional foreign-exchange and AML checks may apply depending on the amount and transaction, but USD 10,000 is not a universal threshold that automatically triggers a review of every SWIFT transfer.
Card networks
The national payment gateway GPN (Gerbang Pembayaran Nasional) connects domestic banks. Visa and Mastercard are widely accepted in cities and tourist areas. QRIS enables interoperable QR payments across participating banks and digital wallets.
Payment apps
GoPay, OVO, and DANA are popular digital wallets, including in Bali, and are used mainly for domestic payments and transfers in IDR.
Interbank transfers
BI-FAST, launched by Bank Indonesia in 2021, supports instant domestic interbank transfers. Indonesia does not use IBAN: an international SWIFT transfer generally requires the bank’s SWIFT/BIC, the recipient’s account number, and the recipient’s full name.
Financial regulator
The Financial Services Authority (OJK, Otoritas Jasa Keuangan), established in 2011, supervises banks, insurers, and other financial institutions.
Key considerations for ATM24
Banks may request documents supporting the source and purpose of funds regardless of the amount. Transfers with complete details and no additional compliance checks are generally processed without significant delays.
With an ATM24 transfer the recipient gives their own bank and details, so the money lands directly on the account.
Three steps from request to payout
Fill in the form or write to us on WhatsApp or Telegram — a manager will check the available route
We check the recipient details and confirm the route, rate, fee and payout amount
Once paid, the transfer goes out along the agreed route — we report the status in the messenger
We verify the exact details when agreeing the available route before payment.
Facts, not promises
You see the rate, the fee and the payout amount before you send the money.
The route, rate, fee and payout amount are agreed before payment.
Reference cities with payout locations. Availability of a specific location is confirmed in the request.
Confirm the city before payment
Only methods present in both the country description and the current route are shown.
Real stories from real people
Respect for the ATM 24 team. I received my withdrawal right before the New Year. It was through an ATM in Koh Samui. Incidentally, it was my first time withdrawing from an ATM. They explained everything to me. Special thanks to manager Ekaterina for her responsiveness and patience. I'm happy with the result. I recommend them. I'll be doing business with them again!
Read full reviewI want to express my gratitude to the company and especially to manager Sofa for such a fast, convenient and profitable service for receiving cash baht in Thailand! I recommend it to everyone, we use it more than once!!!
Read full reviewTrustpilot
Very reliable company, helped me in a difficult situation, solved the money problem, ATM 24 thank you
Read full reviewUsed the service for the first time, it was a bit scary of course to transfer money, but the girl Sofa explained everything correctly, in the end I'm in cash, with minimal effort
Read full reviewThey helped quickly and efficiently, covered all the questions, no hidden pitfalls, the rate is nice, thanks to manager Ekaterina🫶🏻.
Read full reviewI needed to buy baht for non-cash rubles while on vacation in Pattaya. Thanks to the service I managed to solve the problem successfully) Operator Ekaterina helped.
Read full reviewWe agree the rate and the payout method before payment — pick where the money goes.
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We’ve answered common questions about the Indonesian rupiah, money in Bali, and sending money from Russia to Indonesia.
To send money to Indonesia with payout in IDR through ATM24, select Bank Mandiri, BCA, BRI, BNI, card payout, DANA, OVO, or GoPay if available. The manager checks recipient details by route and shows the IDR amount, fee from 0.9%, and expected timing from 15 minutes before payment. Bank-route examples for Indonesia: Bank Mandiri, Bank Negara Indonesia (BNI), Bank Rakyat Indonesia (BRI), Bank Tabungan Negara (BTN), and Subsidiaries of state-owned banks.
For Indonesia, the recipient may use an IDR bank account, bank-issued card, or a local wallet route such as DANA, OVO, or GoPay if available. ATM24 checks whether the details fit Bank Mandiri, BCA, BRI, BNI, or the chosen non-bank route before the sender pays. Each channel can require a different account, card, or phone-number format. Bank-route examples for Indonesia: Bank Mandiri, Bank Negara Indonesia (BNI), Bank Rakyat Indonesia (BRI), Bank Tabungan Negara (BTN), and Subsidiaries of state-owned banks.
IDR transfers to Indonesia can be checked through Bank Mandiri, BCA, BRI, BNI, and CIMB Niaga. ATM24 reviews bank routes separately from DANA, OVO, and GoPay. The recipient bank, wallet, or card route is confirmed before the sender pays.
For an IDR transfer to Indonesia, recipient details depend on whether the route is Bank Mandiri, BCA, BRI, BNI, DANA, OVO, or GoPay. Bank routes need account or card details; wallet routes need phone or service data. ATM24 checks the IDR route before payment. Bank-route examples for Indonesia: Bank Mandiri, Bank Negara Indonesia (BNI), Bank Rakyat Indonesia (BRI), Bank Tabungan Negara (BTN), and Subsidiaries of state-owned banks.
An IDR transfer to Indonesia can start from 15 minutes when Bank Mandiri, BCA, BRI, BNI, DANA, OVO, GoPay, card, or account payout is ready. Wallet routes and bank routes are checked separately. The manager confirms timing before the sender pays. Bank-route examples for Indonesia: Bank Mandiri, Bank Negara Indonesia (BNI), Bank Rakyat Indonesia (BRI), Bank Tabungan Negara (BTN), and Subsidiaries of state-owned banks.
For Indonesia, ATM24 calculates the fee for IDR payout from 0.9% after checking whether the recipient uses a bank, card, DANA, OVO, or GoPay. Bank Mandiri, BCA, BRI, and BNI routes can differ by account format and payout limit. The sender sees the IDR amount before payment; any issuer or sending-bank fee is separate. Bank-route examples for Indonesia: Bank Mandiri, Bank Negara Indonesia (BNI), Bank Rakyat Indonesia (BRI), Bank Tabungan Negara (BTN), and Subsidiaries of state-owned banks.
Yes, ATM24 can calculate an IDR transfer to Indonesia when the sender pays through an available card, bank, USDT, or another approved method. The payout route is checked separately for Bank Mandiri, BCA, DANA, OVO, GoPay, card payout, or account payout. Sender-bank fees, card conversion, and network costs are not mixed into the recipient's IDR route. Bank-route examples for Indonesia: Bank Mandiri, Bank Negara Indonesia (BNI), Bank Rakyat Indonesia (BRI), Bank Tabungan Negara (BTN), and Subsidiaries of state-owned banks.
The minimum IDR transfer to Indonesia through ATM24 starts from 100 USD or the equivalent. Maximum amounts are checked separately for Bank Mandiri, BCA, BRI, BNI, DANA, OVO, GoPay, card payout, or account payout. If the recipient changes the route, the IDR limit should be confirmed again. Bank-route examples for Indonesia: Bank Mandiri, Bank Negara Indonesia (BNI), Bank Rakyat Indonesia (BRI), Bank Tabungan Negara (BTN), and Subsidiaries of state-owned banks.
For a large IDR transfer to Indonesia, ATM24 separates bank payouts from DANA, OVO, and GoPay routes. Document checks may cover sender ID, source of funds, wallet limit, recipient phone or account data, and payment purpose. Bank Mandiri, BCA, BRI, and BNI routes are confirmed before payment. Bank-route examples for Indonesia: Bank Mandiri, Bank Negara Indonesia (BNI), Bank Rakyat Indonesia (BRI), Bank Tabungan Negara (BTN), and Subsidiaries of state-owned banks.
If the sender sends 1000 USD to Indonesia, the IDR payout depends on Bank Mandiri, BCA, DANA, OVO, GoPay, card payout, or account payout: 16,962,234.3 IDR. ATM24 includes fee from 0.9% and exchange conditions in the route calculation. The final IDR amount is confirmed before payment. Bank-route examples for Indonesia: Bank Mandiri, Bank Negara Indonesia (BNI), Bank Rakyat Indonesia (BRI), Bank Tabungan Negara (BTN), and Subsidiaries of state-owned banks.
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