How Does ATMs & Cash Work in Indonesia?
Last verified: 2025-06 · Asia
1The Quick Answer
BCA, Mandiri, BNI, and BRI ATMs are most reliable for foreign cards; cash is essential as many places are cash-only; only use authorized money changers in Bali.
2What You Need to Know
Cash remains king in Indonesia outside of major malls, chain hotels, and some Bali tourist restaurants. ATMs from BCA, Mandiri, BNI, and BRI work reliably with most international cards, though fees of 25,000–50,000 IDR per withdrawal are common. ATMs in popular tourist areas frequently run out of cash on public holidays — withdraw in advance. Currency exchange is widely available in Bali, but unauthorized money changers use trick counting techniques to shortchange tourists; only use authorized exchange counters at banks, airports, or official money changers with a clearly displayed rate board.
3Practical Tips
Practical Tips
- 1Withdraw larger amounts less frequently to minimize ATM transaction fees — most ATMs allow 2,500,000–3,000,000 IDR per withdrawal
- 2In Bali, use Central Kuta Money Exchange or BMC authorized changers — they offer competitive rates and honest counting
- 3Always count your change and exchanged cash carefully in front of the teller before walking away — sleight-of-hand scams are common
Important Warning
Bali money changer scams are extremely common. Unauthorized changers offer artificially attractive rates and then shortchange you using distraction techniques. Always use a licensed money changer and count every note before leaving the counter.
How does this compare?
ATMs & Cash rules in nearby and similar countries:
Japan is heavily cash-based — always carry yen. 7-Eleven (Seven Bank) ATMs are the most reliable for foreign cards.
Thai ATMs charge a 220 baht fee per foreign card withdrawal — minimise withdrawals, carry cash for markets and temples, and always choose to be charged in Thai baht.
ATMs from DBS, OCBC, UOB, and POSB are widespread, but contactless payments and e-wallets are accepted almost everywhere in Singapore.
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