I didn't make a note of the exact rate he gave me as I was so excited at the time just to be picking up the cash! Next time I will ask. And thanks for the advice regarding person to person exchanges. Didn't realise that these too had fees. Crazy really.

But yes 3% isn't all that bad considering what I've been through in the past getting paid in dollars, which I would then exchange to UK pounds before pulling it out of a machine as Rupiah, getting charged at every stage!