This service can be carried out on operating days and hours that have been regulated and determined by Bank Indonesia, which is then broadcast to the public. The list of money exchange locations can be accessed via the following link.

Not only that, money exchange can also be done through Mobile Cash Services available in a number of regions. The ordering mechanism can be done online via the site PINTAR by using NIK.

Please remember that NIKs that have been registered for currency exchange and have the status of "waiting for exchange execution" cannot be used again to register for currency exchange before the first exchange day has passed.

Looking at the various phenomena above, it can be seen that officially regulated currency exchange services are only through Bank Indonesia or other appointed parties. However, neither in the Currency Law nor in the BI Governor Board Member Regulation 19/2027, there are no rules regarding sanctions if there are parties who carry out new currency exchange activities without the permission of Bank Indonesia, including new currency exchange services on the roadside.

The Law of Exchanging New Money on the Side of the Road Based on Islamic Law

Quoted from the NU Online site, if ma’qud alaih (the item that is the subject of the contract) in the practice of exchanging new money is the “money” itself, then exchanging new money with a certain amount of excess is clearly haram because this practice falls into the category of usury.

However, if this practice is viewed based on the “service” of the person providing the new money, then it is judged to be permissible or mubah according to sharia because this practice falls into the category of ijarah (rent).

This was stated by the Deputy Secretary of the Bahtsul Masail Institute of the Nahdlatul Ulama Central Board (LBM PBNU) Alhafiz Kurniawan, in his article entitled 'The Law of Exchanging Money During Eid'.

Referring to the information in the book Fathul Mujibil Qarib, first edition, page 123, ijarah (rent) is a type of buying and selling so it is not included in the category of usury.

‎والإجارة في الحقيقة بيع إلا أنها قابلة للتأقيت وأن المبيع فيها ليست عينا من الأعيان بل منفعة من المنافع إما منفعة عين وإما منفعة عمل

Ijarah (rent) is actually buying and selling, the only difference is that it ijarah accepts time restrictions. The product in ijarah is not the goods, but the benefits (services) from a good or service from a workforce (activity).”