Travel · Southeast Asia
🇮🇩Bali
Cash-heavy destination — withdraw IDR in large batches to beat high ATM fees.
Bali is heavily cash-dependent. ATMs charge flat fees of Rp 25,000–50,000 per withdrawal and most have low withdrawal limits (Rp 1,000,000–3,000,000). The IDR exchange rate varies significantly — money changers on Kuta/Seminyak's main streets offer good rates but tourist traps are common. Zero-forex cards minimise your exposure.
Best cards for Bali
ATM guide
ATMs are found in major towns (Seminyak, Ubud, Canggu, Kuta, Nusa Dua) but can be scarce in rural areas. BCA and BNI ATMs are reliable for foreign cards. BCA charges Rp 25,000–30,000, Mandiri up to Rp 50,000. Withdrawal limits are low — budget multiple withdrawals.
Card acceptance
Cards accepted at upmarket hotels, large restaurants, and surf shops. Street warungs, local markets, day spas, scooter rentals, and most tourism operators are cash-only.
Money tips for Bali
BCA ATMs are the most reliable for foreign cards and have the lowest fees (Rp 25,000).
Withdraw the maximum each time to amortise flat fees — Rp 1,500,000–3,000,000 per withdrawal.
Money changers: use PT Central Kuta or Dirgahayu — they're licensed and transparent. Avoid counters promising 'no commission' — there always is one.
Never use unlicensed 'money changers' in tourist areas — they use tricks like recounting notes or distracting you.
Carry a backup card — ATMs sometimes reject foreign cards with no explanation.
Cards and options to avoid
Travelex
airport exchange
Frequently asked questions
Cash in Bali
Cash essential for scooters, warungs, markets, day trips, and local transport. Budget Rp 300,000–500,000 per day.
Local currency
Wise Card
Mid-market rate with transparent fees — one of the lowest true costs for spending abroad.