The Bank Indonesia JISDOR mid-rate (Jakarta Interbank Spot Dollar Rate) as of 11 May 2026 serves as the official reference for all foreign exchange transactions within the Republic of Indonesia. The following tables present the JISDOR rate for 12 major currencies against the Rupiah, with IDR equivalents for round amounts of 100, 500, 1,000, 5,000, and 10,000 units of each foreign currency. Data is drawn from Indonesia’s Financial Economic Statistics (SEKI) published by Bank Indonesia, the PMK rate issued by the Directorate General of Customs and Excise, and the central banks of the issuing countries.
JISDOR mid-rate summary as of 11 May 2026
- USD (United States Dollar): Rp 16,420 per 1 USD
- SGD (Singapore Dollar): Rp 12,110 per 1 SGD
- MYR (Malaysian Ringgit): Rp 3,730 per 1 MYR
- SAR (Saudi Riyal): Rp 4,378 per 1 SAR
- AED (United Arab Emirates Dirham): Rp 4,471 per 1 AED
- HKD (Hong Kong Dollar): Rp 2,105 per 1 HKD
- TWD (New Taiwan Dollar): Rp 510 per 1 TWD
- THB (Thai Baht): Rp 489 per 1 THB
- EUR (Euro): Rp 17,880 per 1 EUR
- JPY (Japanese Yen): Rp 108 per 1 JPY
- KRW (South Korean Won): Rp 11.8 per 1 KRW
- AUD (Australian Dollar): Rp 10,795 per 1 AUD
Source: Bank Indonesia JISDOR, snapshot at 10:00 WIB on 11 May 2026 [¹].
Three official exchange rates in Indonesia
Bank Indonesia JISDOR. Daily mid-rate calculated from the average USD/IDR spot transactions between forex banks in the Indonesian market, published at 10:00 WIB on every business day. Serves as reference for all cross-rates to other currencies via USD bridge. Source: bi.go.id/en/statistik/informasi-kurs/transaksi-bi.
Customs PMK rate. Weekly rate issued by the Minister of Finance via Peraturan Menteri Keuangan (PMK) for customs declaration, import duty calculation, and Annual Tax Return purposes. Effective from Wednesday 00:00 WIB to the following Tuesday 23:59 WIB. Typically 0.5–1.5% lower than JISDOR for customs conservatism. Source: PMK No. 27/PMK.010/2026 and weekly revisions.
Bank / money changer rate. Actual buy-sell rates at forex bank counters or BI-licensed money changers. Typical bid-ask spread is 1.5–3.5% above/below JISDOR, depending on transaction volume and location. Airports tend to run 4–6% wider than city-center money changers.
Conversion tables for 12 foreign currencies
The following tables use the JISDOR mid-rate as of 11 May 2026 as reference. For actual transactions, money changer sell rates will be 1.5–3% above the table values; buy rates will be 1.5–3% lower.
USD — United States Dollar (1 USD = Rp 16,420)
| USD amount | IDR equivalent | Contextual note |
|---|---|---|
| 100 USD | Rp 1,642,000 | ASEAN multi-stop free-baggage budget |
| 500 USD | Rp 8,210,000 | Indonesian customs souvenir declaration threshold |
| 1,000 USD | Rp 16,420,000 | Cross-border cash declaration threshold (in/out RI) |
| 5,000 USD | Rp 82,100,000 | Premium 9-day Umrah package per person |
| 10,000 USD | Rp 164,200,000 | PPATK suspicious cash transaction threshold |
Source: Bank Indonesia JISDOR 11 May 2026 [¹]. Customs PMK weekly rate Rp 16,350 [²].
SGD — Singapore Dollar (1 SGD = Rp 12,110)
| SGD amount | IDR equivalent | Contextual note |
|---|---|---|
| 100 SGD | Rp 1,211,000 | Mid-range 3-day food budget in Singapore |
| 500 SGD | Rp 6,055,000 | Diaspora VFR pocket money 4–5 days |
| 1,000 SGD | Rp 12,110,000 | Mid-range hotel 5 nights |
| 5,000 SGD | Rp 60,550,000 | Short-course study estimate |
| 10,000 SGD | Rp 121,100,000 | Singapore ICA cash declaration threshold |
Source: MAS Singapore daily reference + JISDOR cross [³].
MYR — Malaysian Ringgit (1 MYR = Rp 3,730)
| MYR amount | IDR equivalent | Contextual note |
|---|---|---|
| 100 MYR | Rp 373,000 | Budget 3-day food in Kuala Lumpur |
| 500 MYR | Rp 1,865,000 | Diaspora KL pocket money 3 days |
| 1,000 MYR | Rp 3,730,000 | PMI KL home-leave budget 5–7 days |
| 5,000 MYR | Rp 18,650,000 | Average monthly PMI domestic worker salary MY |
| 10,000 MYR | Rp 37,300,000 | Average PMI MY 6-month savings |
Source: Bank Negara Malaysia daily reference [⁴] + JISDOR cross.
SAR — Saudi Riyal (1 SAR = Rp 4,378)
| SAR amount | IDR equivalent | Contextual note |
|---|---|---|
| 100 SAR | Rp 437,800 | Budget 3-day food in Makkah/Madinah |
| 500 SAR | Rp 2,189,000 | Umrah supplementary weekly pocket money |
| 535 SAR | Rp 2,342,230 | Saudi tourist eVisa fee (separate from Umrah visa) |
| 1,000 SAR | Rp 4,378,000 | Moderate 9-day Umrah savings estimate |
| 5,000 SAR | Rp 21,890,000 | Average monthly Saudi cleaning PMI salary |
| 10,000 SAR | Rp 43,780,000 | SAMA Saudi cash declaration threshold |
Source: SAMA Saudi Central Bank [⁵] + JISDOR cross. Note: SAR is pegged to USD at 3.75 SAR per USD (stable peg since 1986).
AED — United Arab Emirates Dirham (1 AED = Rp 4,471)
| AED amount | IDR equivalent | Contextual note |
|---|---|---|
| 100 AED | Rp 447,100 | Mid-range 3-day food in Dubai |
| 500 AED | Rp 2,235,500 | 2-day Dubai transit (accommodation+food) |
| 1,000 AED | Rp 4,471,000 | Umrah Dubai stop-over 3 days |
| 5,000 AED | Rp 22,355,000 | Average monthly Dubai cleaning PMI salary |
| 10,000 AED | Rp 44,710,000 | Average PMI UAE 6-month savings |
Source: Central Bank of UAE [⁶] + JISDOR cross. Note: AED is pegged to USD at 3.6725 AED per USD (stable peg since 1997).
HKD — Hong Kong Dollar (1 HKD = Rp 2,105)
| HKD amount | IDR equivalent | Contextual note |
|---|---|---|
| 100 HKD | Rp 210,500 | Budget 3-day food in Hong Kong |
| 500 HKD | Rp 1,052,500 | PMI HK weekly pocket money |
| 1,000 HKD | Rp 2,105,000 | Budget PMI HK return ticket cost |
| 5,000 HKD | Rp 10,525,000 | Estimated monthly PMI HK domestic helper salary |
| 10,000 HKD | Rp 21,050,000 | 2-month PMI HK savings |
Source: Hong Kong Monetary Authority [⁷] + JISDOR cross. Note: HKD is pegged to USD at 7.80 HKD per USD ± 0.05 (Linked Exchange Rate System since 1983).
TWD — New Taiwan Dollar (1 TWD = Rp 510)
| TWD amount | IDR equivalent | Contextual note |
|---|---|---|
| 100 TWD | Rp 51,000 | Single budget meal in Taipei |
| 500 TWD | Rp 255,000 | Budget 3-day food in Taipei |
| 1,600 TWD | Rp 816,000 | Taiwan online eVisa fee |
| 5,000 TWD | Rp 2,550,000 | Hostel accommodation 7 nights |
| 10,000 TWD | Rp 5,100,000 | PMI Taiwan 1-month pocket money |
| 30,000 TWD | Rp 15,300,000 | Estimated monthly TW manufacturing PMI salary |
Source: Central Bank of the Republic of China (Taiwan) [⁸] + JISDOR cross.
THB — Thai Baht (1 THB = Rp 489)
| THB amount | IDR equivalent | Contextual note |
|---|---|---|
| 100 THB | Rp 48,900 | Single day Bangkok street food |
| 500 THB | Rp 244,500 | Bangkok backpacker hostel 1 night |
| 1,000 THB | Rp 489,000 | Mid-range Bangkok 1-day budget |
| 5,000 THB | Rp 2,445,000 | Bangkok backpacker 5–7 days |
| 10,000 THB | Rp 4,890,000 | Thailand visa-exempt proof-of-funds requirement |
Source: Bank of Thailand [⁹] + JISDOR cross.
EUR — Euro (1 EUR = Rp 17,880)
| EUR amount | IDR equivalent | Contextual note |
|---|---|---|
| 90 EUR | Rp 1,609,200 | Schengen Type C visa fee |
| 100 EUR | Rp 1,788,000 | Mid-range 1-day food in Western Europe |
| 500 EUR | Rp 8,940,000 | Diaspora EU pocket money weekly |
| 1,000 EUR | Rp 17,880,000 | 5-night Paris mid-range accommodation |
| 5,000 EUR | Rp 89,400,000 | EU diaspora 2-month savings |
| 10,000 EUR | Rp 178,800,000 | Schengen zone cash declaration threshold |
Source: European Central Bank reference rate [¹⁰] + JISDOR cross.
JPY — Japanese Yen (1 JPY = Rp 108)
| JPY amount | IDR equivalent | Contextual note |
|---|---|---|
| 1,000 JPY | Rp 108,000 | Budget single meal in Tokyo |
| 3,000 JPY | Rp 324,000 | Japan eVisa fee per person |
| 10,000 JPY | Rp 1,080,000 | Mid-range 1-day Tokyo pocket money |
| 50,000 JPY | Rp 5,400,000 | Budget Tokyo 5 nights accommodation |
| 100,000 JPY | Rp 10,800,000 | PMI/SSW Japan monthly savings |
| 500,000 JPY | Rp 54,000,000 | SSW manufacturing Japan monthly salary |
Source: Bank of Japan reference rate [¹¹] + JISDOR cross.
KRW — South Korean Won (1 KRW = Rp 11.8)
| KRW amount | IDR equivalent | Contextual note |
|---|---|---|
| 10,000 KRW | Rp 118,000 | South Korea K-ETA fee |
| 50,000 KRW | Rp 590,000 | Budget 3-day food in Seoul |
| 100,000 KRW | Rp 1,180,000 | Mid-range 2-day Seoul pocket money |
| 500,000 KRW | Rp 5,900,000 | Mid-range Seoul 5-night accommodation |
| 1,000,000 KRW | Rp 11,800,000 | Average EPS Korea monthly savings |
| 2,500,000 KRW | Rp 29,500,000 | Korea EPS manufacturing monthly salary |
Source: Bank of Korea reference rate [¹²] + JISDOR cross.
AUD — Australian Dollar (1 AUD = Rp 10,795)
| AUD amount | IDR equivalent | Contextual note |
|---|---|---|
| 20 AUD | Rp 215,900 | Australia ETA subclass 601 fee |
| 100 AUD | Rp 1,079,500 | Budget 3-day food in Sydney |
| 500 AUD | Rp 5,397,500 | Diaspora AU pocket money weekly |
| 1,000 AUD | Rp 10,795,000 | 5-night Sydney mid-range accommodation |
| 5,000 AUD | Rp 53,975,000 | Average WHV holder monthly savings |
| 10,000 AUD | Rp 107,950,000 | AUSTRAC cash declaration threshold |
Source: Reserve Bank of Australia [¹³] + JISDOR cross.
Per-cluster context: rates relevant for each user segment
PMI — Indonesian Migrant Workers
Indonesian migrant workers (Pekerja Migran Indonesia, or PMI) in the five major corridors earn income in five different currencies. The conversion rate to IDR is a strategic reference for timing remittance via Wesel Pos, BNI Wesel, MoneyGram, or digital remittance apps.
| PMI corridor | Currency | Average monthly salary | IDR equivalent | Salary source |
|---|---|---|---|---|
| Saudi Arabia (domestic + cleaning) | SAR | 1,500–2,500 SAR | Rp 6.57M – Rp 10.95M | BP2MI 2025 average |
| Taiwan (manufacturing + caregiver) | TWD | 27,000–32,000 TWD | Rp 13.77M – Rp 16.32M | MECO Taipei standard |
| Hong Kong (domestic helper) | HKD | 4,870 HKD (minimum) | Rp 10.25M | Hong Kong Labour Dept |
| Malaysia (domestic + plantation) | MYR | 1,500–2,200 MYR | Rp 5.60M – Rp 8.21M | KBRI KL standard |
| South Korea (EPS manufacturing) | KRW | 2,300,000–2,700,000 KRW | Rp 27.14M – Rp 31.86M | EPS-TOPIK standard |
Source: BP2MI Indonesian Migrant Worker Placement Data 2025 [¹⁴]; KBRI per-corridor; Hong Kong Labour Department Standard Employment Contract [¹⁵].
Umrah and Hajj
Umrah and Hajj costs are denominated in SAR for the holy-land components (accommodation, transportation, ground handling, ziyarah). The SAR/IDR rate determines the IDR price of Umrah packages in any given year.
| Umrah component | Typical SAR | IDR equivalent at 11 May 2026 |
|---|---|---|
| Umrah visa | 0 SAR (free since 2024) | Rp 0 |
| Tourist eVisa (alternative) | 535 SAR | Rp 2,342,230 |
| Makkah accommodation 4 nights (3-star) | 1,200 SAR | Rp 5,253,600 |
| Madinah accommodation 3 nights (3-star) | 900 SAR | Rp 3,940,200 |
| Jeddah-Makkah-Madinah transport | 350 SAR | Rp 1,532,300 |
| Mutawwif / ziyarah | 250 SAR | Rp 1,094,500 |
| Total ground arrangement 9 days (3-star) | ~2,700 SAR | Rp 11,820,600 |
Plus flight tickets CGK-JED (average Rp 12–18M low season, Rp 18–28M Ramadan high season). Source: official PPIU Kemenag 2025–2026 estimates [¹⁶].
Diaspora VFR (Visit Friends and Relatives)
Indonesian diaspora in Singapore, Malaysia, Hong Kong, Taiwan, and Australia send home tickets and pocket money to families in Indonesia. The rate determines transfer timing.
| Diaspora destination | Currency | Average weekly pocket | IDR equivalent |
|---|---|---|---|
| Singapore | SGD | 200–400 SGD | Rp 2.42M – Rp 4.84M |
| Malaysia | MYR | 400–700 MYR | Rp 1.49M – Rp 2.61M |
| Hong Kong | HKD | 1,500–2,500 HKD | Rp 3.16M – Rp 5.26M |
| Taiwan | TWD | 6,000–10,000 TWD | Rp 3.06M – Rp 5.10M |
| Australia | AUD | 400–700 AUD | Rp 4.32M – Rp 7.56M |
Source: aggregated Indonesian diaspora surveys by KJRI per-city and BPS Migration Statistics 2024.
Bali leisure and backpacker outbound
Outbound travellers from Bali going to ASEAN and East Asia need reference rates for THB, SGD, MYR, and USD for daily budgeting.
| Destination from DPS | Currency | Backpacker daily budget | Mid-range daily budget |
|---|---|---|---|
| Bangkok | THB | 1,500 THB (Rp 733,500) | 3,500 THB (Rp 1,711,500) |
| Singapore | SGD | 80 SGD (Rp 968,800) | 180 SGD (Rp 2,179,800) |
| Kuala Lumpur | MYR | 150 MYR (Rp 559,500) | 350 MYR (Rp 1,305,500) |
| Tokyo | JPY | 8,000 JPY (Rp 864,000) | 18,000 JPY (Rp 1,944,000) |
| Seoul | KRW | 70,000 KRW (Rp 826,000) | 150,000 KRW (Rp 1,770,000) |
Source: aggregated backpacker budget surveys 2024–2025 (Lonely Planet, Hostelworld, Tripadvisor reviews median).
Methodology: how to update rates yourself
The tables above are a snapshot as of 11 May 2026. For daily updates, consult the following primary sources:
- Bank Indonesia JISDOR (
bi.go.id/en/statistik/informasi-kurs/transaksi-bi/Default.aspx). Updated every business day at 10:00 WIB. Provides USD/IDR as pivot; other currencies are calculated via USD bridge using international cross-rates. - Bank Indonesia Transaction Rates (
bi.go.id/en/statistik/informasi-kurs/transaksi-bi). Provides BI buy-sell rates for 35+ currencies, updated daily. Broader than JISDOR. - Customs PMK rate (
bcjateng.beacukai.go.id/kurs-pajak/). Weekly rate for tax and customs. Effective Wednesday 00:00 WIB to following Tuesday 23:59 WIB. - Issuing country central banks. SAMA (Saudi), BNM (Malaysia), MAS (Singapore), HKMA (Hong Kong), CBC (Taiwan), BOT (Thailand), CBUAE (UAE), ECB (Europe), BOJ (Japan), BOK (Korea), RBA (Australia).
- Public aggregator APIs. Open Exchange Rates, ExchangeRate-API, and Wise API provide REST endpoints for real-time calculation. Not recommended for customs or tax reference — use the official PMK rate.
When to buy forex in Indonesia versus abroad
The timing decision for purchasing foreign currency is influenced by four factors: spread (bid-ask differential), accessibility (access to money changers or ATMs), risk (carrying cash versus card), and currency liquidity at the destination.
High-liquidity currencies in Indonesia. USD, SGD, MYR, EUR, JPY, AUD, and HKD are widely available at money changers in Jakarta, Bali, Surabaya, and Medan. Typical spread is 1.5–2.5%. Best to buy before departure.
Limited-liquidity currencies in Indonesia. TWD, KRW, THB, AED — available at major money changers (Dolarindo, Ayu Masagung, PT VIP) but the spread tends to be 3–4%. More economical to withdraw cash from ATMs at destination or use credit cards with zero FX markup (Jenius, certain BCA Mastercard products, Wise/Revolut cards).
Currencies not exchanged in cash in Indonesia. SAR — relatively limited at non-Jakarta money changers. Umrah pilgrims typically exchange in Jeddah, Makkah, or Madinah at local money changers with a 1.5–2% spread. Alternative: prepaid SAR cards via BSI or Bank Muamalat.
SkyIndoFly Editorial Team practical rule. For trips under 7 days to ASEAN: exchange 60% of needs in Indonesia, 40% via ATM/card at destination. For Umrah/Hajj: exchange 30% SAR in Jakarta (Dolarindo Sabang or Ayu Masagung), 70% in Saudi Arabia. For long-term diaspora in PMI corridors: send remittances via digital apps (Wise, Western Union, Wesel Pos) when JISDOR strengthens 1%+ above the monthly average.
Typical money-changer markup percentages in Indonesia
Based on a survey of BI-licensed money changers in Jakarta and Bali in April 2026:
| Outlet | Major currencies | Typical spread vs JISDOR | Note |
|---|---|---|---|
| City money changer (Dolarindo, Ayu Masagung) | USD, SGD, MYR | 1.5–2.5% | High liquidity, good rates |
| CGK airport money changer | USD, SGD, EUR | 4–6% | Wide spread; exchange the minimum |
| Forex banks (BCA, Mandiri, BNI, BRI) | USD, SGD, JPY, EUR | 2.5–3.5% | Authenticity guarantee, full documentation |
| Overseas ATM (cash withdrawal) | Local | 1.5–2.5% + admin fee Rp 25–30K | Depends on Mastercard/Visa rate |
| Credit card (merchant transaction) | Local | 2.5–3% + FX markup 2.5% | Depends on issuer; Jenius is no markup |
| Digital remittance apps (Wise, Revolut) | Multi | 0.4–1.0% spread | Most competitive for transfers to RI |
Source: field survey by SkyIndoFly Editorial Team April 2026; rate comparisons drawn from official outlet publications.
Customs PMK rate versus JISDOR: when to use which
Two official rates run in parallel in Indonesia. Choice depends on the transaction purpose:
Use JISDOR for:
- Personal travel cost estimation
- Conversion of PMI salary to IDR for family planning
- Estimation of Umrah package pricing from SAR components
- Negotiating rates with money changers (as a benchmark)
- Diaspora remittance budgeting
Use the PMK rate for:
- Customs declaration of personal imports (souvenirs above USD 500)
- Income tax calculation in the Annual Tax Return foreign-currency component
- VAT reporting on imports
- Formal customs documents (PIB, PEB)
The PMK rate is usually 0.5–1.5% lower than JISDOR for conservatism. Result: customs declarations in IDR tend to be higher, increasing potential import duty. The PMK is published Tuesday afternoon and is effective from Wednesday 00:00 WIB. Source: PMK No. 27/PMK.010/2026 and weekly revisions via fiskal.kemenkeu.go.id.
Cash declaration thresholds by country
Indonesian passport holders carrying cash above destination thresholds must declare at customs. Relevant thresholds:
| Country | Cash threshold | IDR equivalent at 11 May 2026 | Authority |
|---|---|---|---|
| Indonesia (in/out) | Rp 100M or USD 10,000 | Rp 100,000,000 / Rp 164,200,000 | DJBC + PPATK |
| Singapore | SGD 20,000 | Rp 242,200,000 | Singapore Customs |
| Malaysia | MYR 30,000 or USD 10,000 | Rp 111,900,000 / Rp 164,200,000 | Customs Malaysia |
| Saudi Arabia | SAR 60,000 or USD 16,000 | Rp 262,680,000 / Rp 262,720,000 | SAMA + Customs |
| UAE | AED 60,000 or USD 16,500 | Rp 268,260,000 / Rp 270,930,000 | Federal Customs UAE |
| Hong Kong | HKD 120,000 | Rp 252,600,000 | Customs and Excise Dept |
| Taiwan | NTD 100,000 or USD 10,000 | Rp 51,000,000 / Rp 164,200,000 | Customs Administration |
| Thailand | USD 20,000 | Rp 328,400,000 | Thai Customs |
| Schengen Zone | EUR 10,000 | Rp 178,800,000 | EU Customs |
| Japan | JPY 1,000,000 | Rp 108,000,000 | Japan Customs |
| South Korea | USD 10,000 | Rp 164,200,000 | Korea Customs Service |
| Australia | AUD 10,000 | Rp 107,950,000 | AUSTRAC |
Source: customs portals of each country as of April 2026 [¹⁷–²⁸].
FAQ
What is the JISDOR rate and is it officially used for transactions?
JISDOR (Jakarta Interbank Spot Dollar Rate) is the USD/IDR mid-rate published by Bank Indonesia every business day at 10:00 WIB. It is calculated from the average of USD/IDR spot transactions between forex banks in the Indonesian market. JISDOR is the official BI reference but not a transactional rate — banks and money changers set their own buy-sell rates with spreads above/below JISDOR. For customs and tax purposes, use the Customs PMK rate rather than JISDOR.
How are cross-rates such as SAR to MYR or TWD to HKD calculated?
Bank Indonesia only publishes USD/IDR as the pivot. For cross-rates between two non-USD currencies, use the formula: (Rate A/IDR) ÷ (Rate B/IDR) = Rate A/B. Example: SAR to MYR = 4,378 ÷ 3,730 = 1.174 MYR per 1 SAR. For high accuracy, use international cross-rates from ECB or Bloomberg rather than derivation via IDR.
Are CGK airport money-changer rates always worse than city rates?
Generally yes — spreads at CGK, DPS, and SUB airports are typically 4–6% above/below JISDOR compared to 1.5–2.5% at city money changers such as Dolarindo Sabang, Ayu Masagung, PT VIP, or Goldmoney. Practical strategy: exchange the minimum at the airport for initial expenses at destination, then use cards or ATMs at destination for the rest. Exception: for Umrah, SAR at Jeddah/Makkah local money changers is more competitive than Jakarta money changers.
When is the Customs PMK rate updated and where can it be checked?
The PMK rate is issued by the Minister of Finance every Tuesday afternoon, effective from Wednesday 00:00 WIB to the following Tuesday 23:59 WIB. Check via fiskal.kemenkeu.go.id/kurs or bcjateng.beacukai.go.id/kurs-pajak. The PMK rate is usually 0.5–1.5% lower than JISDOR. Mandatory for customs declarations, import duty calculations, and foreign-currency components in the Annual Tax Return.
How do PMI receive salaries and convert them to IDR?
PMI in the five major corridors receive salaries in local currency (SAR in Saudi, TWD in Taiwan, HKD in Hong Kong, MYR in Malaysia, KRW in Korea). Conversion to IDR via three routes: (1) formal remittance via BNI Wesel/BRI Remittance — competitive rate but admin fee Rp 25–50K; (2) digital remittance apps (Wise, Western Union, MoneyGram) — most competitive rate, fee Rp 15–35K; (3) bring cash home — must be declared if exceeding Rp 100M or USD 10,000. Optimal strategy: use digital apps when JISDOR strengthens above the monthly average.
Is it safe to use an Indonesian credit card overseas?
Safe at merchants but expensive: Indonesian credit cards typically charge an FX markup of 2.5–3% above the Visa/Mastercard rate, plus per-transaction admin fees. Alternatives: Jenius BTPN card, Wise card, or Revolut, which offer zero/low FX markup. For ATM withdrawals: Mandiri/BCA debit cards typically charge Rp 25–30K per transaction plus 1.5–2.5% spread from the Mastercard rate. Avoid Dynamic Currency Conversion (DCC) at EDC machines — always choose to pay in local currency.
What currencies should be prepared for Umrah aside from SAR?
For primary Umrah, SAR is sufficient. But Umrah transit via Dubai (UAE) requires AED for stop-over; transit via Doha (Qatar) requires QAR or USD; transit via Istanbul (Türkiye) requires TRY or USD. USD is widely accepted across all Umrah transit hubs as a backup. Practical strategy: bring SAR as the primary currency, USD 200–300 as transit backup, credit card for contingency.
Editorial data desk note
The tables and rates above are a snapshot as of 11 May 2026 compiled from Bank Indonesia JISDOR, BI Transaction Rates, Customs PMK May 2026, and the central banks of the issuing countries. Foreign exchange rates fluctuate daily — for large transactions (above Rp 50M), verify directly at bi.go.id or contact a forex bank. For customs and tax purposes, use the weekly PMK rate effective on the transaction date.
Table updates are made quarterly by the SkyIndoFly Editorial Team. Snapshot versions with other dates (February 2026, August 2026, November 2026) are available in the archive for trend analysis. This table is not intended to replace professional forex services — for long-term financial planning, consult an OJK-licensed financial planner.
Compare routes to multi-currency destinations
Aviasales indexes live fares from 1,000+ airlines for all outbound routes from Indonesian airports. For multi-currency journeys such as Umrah (CGK-JED, costs in SAR), PMI returns (TPE/HKG/SIN/KUL to Indonesia), or diaspora VFR (SYD/MEL/SIN/HKG to RI), set fare alerts and compare multi-stop fares. Check live prices on Aviasales — pair the IDR fare with the destination rate using the tables above for total trip budget.
Related guides
- Zamzam baggage 12 airlines — supplementary fees in SAR and IDR
- Taiwan PMI return ticket when ARC is expiring — TWD to IDR fees
- Saudi Iqama expired — PMI return ticket procedures with SAR fees
- Customs USD 500 — souvenir gold and electronics at the PMK rate
- Hong Kong PMI annual leave return ticket — HKD to IDR costs
- Indonesia passport visa-free matrix 2026
Data sources (per-footnote bibliography)
Primary sources:
- Bank Indonesia — JISDOR and Transaction Rates: https://www.bi.go.id/en/statistik/informasi-kurs/transaksi-bi/Default.aspx
- Bank Indonesia — Indonesian Financial Economic Statistics (SEKI): https://www.bi.go.id/en/statistik/seki/
- Directorate General of Customs and Excise — PMK Rates: https://bcjateng.beacukai.go.id/kurs-pajak/
- Ministry of Finance — Fiscal PMK Rates: https://fiskal.kemenkeu.go.id/
Per-row sources (footnotes):
- Bank Indonesia JISDOR snapshot 11 May 2026 at 10:00 WIB (bi.go.id/en/statistik/informasi-kurs/transaksi-bi)
- Customs PMK No. 27/PMK.010/2026 effective 7–13 May 2026 (fiskal.kemenkeu.go.id/kurs)
- Monetary Authority of Singapore — Exchange Rates (mas.gov.sg/statistics/exchange-rates)
- Bank Negara Malaysia — Exchange Rates (bnm.gov.my/exchange-rates)
- Saudi Central Bank (SAMA) — Exchange Rates (sama.gov.sa/en-US/EconomicReports/Pages/ExchangeRates.aspx)
- Central Bank of the United Arab Emirates — Exchange Rates (centralbank.ae/en/our-operations/statistics-and-research)
- Hong Kong Monetary Authority — Exchange Rate Data (hkma.gov.hk/eng/market-data-and-statistics/economic-and-financial-data)
- Central Bank of the Republic of China (Taiwan) — Foreign Exchange Rates (cbc.gov.tw/en/lp-647-2.html)
- Bank of Thailand — Exchange Rate (bot.or.th/en/statistics/exchange-rate.html)
- European Central Bank — Euro Reference Exchange Rates (ecb.europa.eu/stats/policy_and_exchange_rates)
- Bank of Japan — Foreign Exchange Rates (boj.or.jp/en/statistics/market/forex/)
- Bank of Korea — Exchange Rate Statistics (bok.or.kr/eng/main/main.do)
- Reserve Bank of Australia — Exchange Rates (rba.gov.au/statistics/frequency/exchange-rates.html)
- Indonesian Migrant Worker Protection Agency (BP2MI) — PMI Placement Data 2025 (bp2mi.go.id/statistik)
- Hong Kong Labour Department — Standard Employment Contract for Foreign Domestic Helpers (labour.gov.hk)
- Ministry of Religious Affairs RI — SISKOPATUH PPIU Umrah Cost Estimates 2026 (siskopatuh.kemenag.go.id)
- Singapore Customs — Travellers Cash Declaration (customs.gov.sg)
- Royal Malaysian Customs Department — Currency Declaration (customs.gov.my)
- SAMA Saudi — Currency Import-Export Regulations (sama.gov.sa)
- Federal Customs Authority UAE — Cash Declaration (fca.gov.ae)
- Hong Kong Customs and Excise Department — Cross-Boundary Movement of Currency (customs.gov.hk)
- Taiwan Customs Administration — Currency Regulations (customs.mof.gov.tw)
- Thai Customs Department — Currency Restrictions (customs.go.th)
- European Commission — Cash Controls Regulation (taxation-customs.ec.europa.eu)
- Japan Customs — Cash Declaration (customs.go.jp)
- Korea Customs Service — Cash Declaration (customs.go.kr)
- AUSTRAC — Cross-Border Movement of Cash (austrac.gov.au)
- PPATK Indonesia — Reporting of Cross-Border Cash Movement (ppatk.go.id)
Disclaimer. Rates drawn from Bank Indonesia JISDOR as of 11 May 2026 at 10:00 WIB and from the central banks of the issuing countries. Foreign exchange rates fluctuate daily — for transactions above Rp 50M or customs decisions, verify directly at bi.go.id and the weekly PMK rate. SkyIndoFly Editorial Team does not provide currency exchange services and is not responsible for transaction decisions based on this data beyond its reference function. Editorial standards: /editorial-standards/. Corrections: /contact/.