USDT to IDR today: live P2P rate in Indonesia
Indonesian rupiah · updated 27 Oct 2026, 15:34 UTC · refreshed every 90 seconds
Price by order size (buy)
By platform
| Platform | 1,000 USDT avg | 1,000 in one order | Best for 100 | Ads | Depth |
|---|---|---|---|---|---|
| Binance P2P cheapest | 18,133 | 18,133 | 18,140 | 40 / 0 filtered | |
| OKX P2P | 18,159 | 18,159 | 18,159 | 50 / 0 filtered | |
| Bybit P2P | 18,150 | 18,150 | 18,150 | 9 / 0 filtered | |
| Bitget P2P | 18,155 | 18,157 | 18,157 | 18 / 0 filtered | |
| HTX P2P | 18,249 | 18,250 | 18,250 | 10 / 4 filtered |
Payment methods sellers accept in Indonesia
Trend
1,000 USDT buy average per collection cycle. Daily history →
P2P in Indonesia: what the rules say
Crypto oversight in Indonesia changed hands on 10 January 2025. That day Bappebti, the trade ministry's commodity futures regulator, signed over supervision of digital financial assets, crypto included, to the Financial Services Authority (OJK), as required by Law No. 4 of 2023 on financial sector development (the P2SK Law) and Government Regulation No. 49 of 2024. OJK now runs the market under POJK No. 27 of 2024 on digital financial asset trading.
OJK publishes a list of the digital financial asset traders it has licensed. The April 2026 edition includes Indodax, Tokocrypto, Pintu and Reku, among others, each with an OJK licence letter dated from 1 February 2025 onward. None of the platforms compared in the table above appears on that list. That is the real choice behind "P2P or Indodax": an Indodax order is placed with an OJK-licensed Indonesian trader, while a P2P order is a deal with another user on a platform outside OJK's list.
How people pay: bank transfer over BI-FAST, GoPay, OVO
- Bank transfer (BCA, Mandiri, Bank Jago, SeaBank, Superbank) between different banks normally runs on BI-FAST, Bank Indonesia's real-time retail system, which operates 24/7. Bank Indonesia set the BI-FAST ceiling at Rp250 million per transaction and lets each bank set a lower per-customer limit; it also capped the fee banks may charge you at Rp2,500. BCA, the bank Indonesian sellers name most, allows up to Rp150 million per BCA ID through myBCA. BI-FAST can route a payment to a phone number or email registered as a proxy address, so compare the account holder's name the app shows with the seller's name on the order.
- GoPay: sending a GoPay balance to a bank account is a GoPay Plus feature, and the upgrade lifts the balance cap to Rp20 million and the cumulative balance cap to Rp40 million. A seller on a regular account may not be able to receive or move a large payment.
- OVO: an OVO Club account holds at most Rp2 million, while OVO Premier holds up to Rp20 million and adds transfers to other OVO users and to banks. Ask an OVO seller which tier they are on before paying a large amount.
Tax and reporting
Minister of Finance Regulation (PMK) No. 50 of 2025, in force from 1 August 2025, levies a final Article 22 income tax of 0.21% of the transaction value on crypto sales made through an Indonesian electronic platform operator, which withholds it. Rajah & Tann Asia points out that an operator that merely facilitates peer-to-peer transactions is generally not a withholding agent, so in that case the seller withholds, pays and reports the tax personally. Foreign platforms appointed by the finance minister withhold 1%; where none is appointed, the seller reports through their own return. The same regulation reclassified crypto as securities, which removed VAT on crypto transfers.
Sources
- OJK — Joint Press Release: Bappebti transfers supervision of digital financial assets to OJK and BI (10 January 2025) (accessed 2026-10-27)
- OJK — Daftar Penyelenggara Perdagangan Aset Keuangan Digital per April 2026 (accessed 2026-10-27)
- Bank Indonesia — BI-FAST FAQ (accessed 2026-10-27)
- BCA — Transfer Antarbank Kini Hanya Rp2.500 via BI Fast (updated 17 March 2023) (accessed 2026-10-27)
- GoPay Help — Keuntungan GoPay Plus (accessed 2026-10-27)
- OVO — FAQ (OVO Club and OVO Premier) (accessed 2026-10-27)
- Rajah & Tann Asia — New Income Tax and VAT Rules for Crypto Transactions in Indonesia (14 August 2025) (accessed 2026-10-27)
Questions people ask
What is the USDT to IDR rate today?
Right now buying 1,000 USDT on P2P costs about 18,131 IDR per USDT (18,131,470 IDR in total). Selling 1,000 USDT gets about 18,122 per USDT. Updated 27 Oct 2026, 15:34 UTC.
Why is the P2P price different from the official exchange rate?
The official mid rate is 18,090 IDR per dollar. P2P sellers price in local demand for dollars, payment risk and their margin, so the P2P price is 0.23% above the official rate at the moment.
Which platform is cheapest for USDT in Indonesia right now?
Binance P2P has the best eligible price for a 1,000 USDT order in the latest observation. Platforms change places during the day; the table above is refreshed every 90 seconds for IDR.
Is crypto legal in Indonesia?
Yes. Indonesia treats crypto as a digital financial asset, and since 10 January 2025 the Financial Services Authority (OJK) has supervised the market after taking over from Bappebti, the trade ministry's commodity regulator. OJK's rulebook is POJK No. 27 of 2024, and OJK publishes a list of licensed digital financial asset traders, which includes local exchanges such as Indodax, Tokocrypto, Pintu and Reku. Gains are taxed under Minister of Finance Regulation No. 50 of 2025.
Is Binance legal in Indonesia?
Binance is not on the April 2026 edition of OJK's list of licensed digital financial asset traders, and neither are the other platforms compared in the table above. The list names Indonesian firms such as Indodax, Tokocrypto, Pintu and Reku, each holding an OJK licence letter dated 1 February 2025 or later. Buying on a listed exchange means dealing with an OJK-licensed trader; a P2P order on an unlisted platform is a trade with another user. Check OJK's latest list before you rely on any platform.
What is the crypto tax rate in Indonesia?
Since 1 August 2025, Minister of Finance Regulation No. 50 of 2025 has charged a final Article 22 income tax of 0.21% of the transaction value on crypto sales through an Indonesian platform operator, which withholds it. Foreign platforms appointed by the finance minister withhold 1%. Rajah & Tann Asia notes that an operator that only facilitates peer-to-peer trades is generally not a withholding agent, so the seller must pay and report the tax personally. Transfers of crypto are no longer subject to VAT.