Indonesia's export proceeds (DHE) rules: who must keep dollars onshore, and who is outside them

Since March 2025 Indonesian exporters of natural resources above a threshold must keep all their export proceeds in Indonesia's financial system for at least a year. Manufacturers and service exporters have different obligations. Knowing which group you are in matters.

William Sunjo M.Operations and compliance editor

Published: 16 October 2026
Reading time: 2 min read

A Kalimantan coal trader, a Bandung textile maker and a Jakarta software studio all sell abroad. Since March 2025 the coal trader must keep every dollar of its export proceeds in a special account in Indonesia for twelve months. The textile maker and the software studio have reporting duties but not that retention rule. Their finance teams have learned the difference.

What DHE means

Devisa hasil ekspor (DHE) are export proceeds. Indonesian rules, set by government regulation and Bank Indonesia, require exporters to bring them into the Indonesian financial system and report them.

The natural resources rule

For natural resource exporters, the rules are stricter. From 1 March 2025:

exporters of natural resources in mining, plantations, forestry and fisheries, above a threshold of export value,
must place 100 percent of their export proceeds in special accounts in Indonesia,
for at least 12 months.

Retained funds can be used for permitted purposes, including conversion to rupiah for business needs, taxes and some imports and debt payments. Oil and gas has its own rules.

Everyone else

Manufacturers and service exporters must still bring export proceeds into Indonesia and report them through banks, but they are outside the 100 percent retention rule. Confirm with your bank which category your exports fall into.

Records

Banks match proceeds to export declarations (PEB) for goods. Service exporters keep contracts and invoices. Correct reporting protects export incentives and avoids sanctions.

Paying into Indonesia: the local rail

What	Detail
Local rail	BI-FAST
Run by	Bank Indonesia
Settlement	Seconds, 24/7
Published fee	Capped by Bank Indonesia at Rp2,500 per transfer for the customer

Source: Bank Indonesia: BI-FAST. Checked when this guide was last updated; the scheme's own page has the current figures.

Where Rivet fits

Rivet opens business accounts for registered companies after verification. Indonesia-registered exporters must bring proceeds into Indonesia under the DHE rules, so check with your bank before receiving funds abroad. Where available, Rivet's payouts can deliver rupiah to Indonesian bank accounts from partners abroad who bank with Rivet. Rivet is not a bank; regulated partner institutions hold the funds.

Questions people ask

What is DHE SDA?

Devisa hasil ekspor sumber daya alam: export proceeds from natural resources. Exporters in covered sectors must place them in special accounts in Indonesia under Government Regulation and Bank Indonesia rules.

How much must natural resource exporters keep onshore?

Since 1 March 2025, 100 percent of DHE SDA for at least 12 months, for exporters above the threshold, with exceptions for permitted uses.

Does the rule apply to service exporters?

The 100 percent retention rule targets natural resource exports. Service exporters have other obligations. Check the current Bank Indonesia regulations.

Can retained proceeds be used?

Yes, for permitted purposes such as conversion to rupiah for business needs, paying taxes, and some import and debt payments, within the rules.

Sources

Written by

William Sunjo M.

Operations and compliance editor

William covers what happens once a company starts moving money: getting the business verified, paying contractors and suppliers abroad, and keeping card spend under control. William writes for the founder or finance lead who has to make it work this week, and links every rule cited to the text it comes from.