Getting Indonesian Rupiah

Indonesia — particularly Bali — is one of the world's top tourist destinations, and understanding the money situation is essential for a smooth trip. The Indonesian Rupiah (Rp or IDR) comes in large denominations, with notes up to 100,000 Rp common in circulation.

The Rupiah cannot easily be purchased outside Indonesia, so don't worry about getting it before you leave. Your best options are ATMs and authorised money changers once you arrive. Be aware that Indonesia (especially Bali) has a reputation for money exchange scams, so knowing where to exchange safely is important.

Key insight for 2026: Indonesia has improved its digital payment infrastructure with QRIS (Quick Response Indonesian Standard), but this is mainly for local accounts. International visitors should rely on ATMs, authorised money changers, and cards at tourist establishments.

Best Ways to Get Rupiah

1. ATMs with fee-free cards — Use Wise or Revolut at BCA, Mandiri, or BNI ATMs. Most Indonesian ATMs don't charge fees for foreign cards.
2. Authorised money changers — Look for licensed exchanges like BMC (Bali Maspintjinra Centra), Central Kuta, or PT Dirgahayu. Government-licensed with transparent rates.
3. Bank exchanges — BCA, Mandiri, BRI offer fair rates. Slower but very safe.
4. Airport ATMs — Fine for arrival cash. ATMs in arrivals at Ngurah Rai (Bali) and Soekarno-Hatta (Jakarta).
5. Hotel exchange — Convenient but rates typically 5-10% worse than money changers.
6. Unlicensed money changers (AVOID) — The "too good to be true" rates usually come with tricks. Avoid.

ATMs in Indonesia

ATMs are widely available throughout Indonesia, especially in tourist areas. Most Indonesian ATMs do not charge foreign card fees, though your own bank may charge.

Best ATMs

• BCA: Reliable, widespread, usually no foreign card fee
• Mandiri: Large network, good for foreign cards
• BNI: State bank, reliable
• CIMB Niaga: Good rates, fewer locations

ATM Tips

• Withdrawal limits: Typically 1,250,000 to 3,000,000 Rp per transaction. BCA often allows 3 million.
• Decline DCC: When asked to convert, always choose Indonesian Rupiah.
• Skimming risk: Use ATMs inside banks or shopping centres, not standalone machines.
• Cover your PIN: ATM skimming exists in tourist areas. Be vigilant.

⚠️ Money Changer Scams in Bali

Bali unfortunately has a history of money exchange scams. Here's how to stay safe:

Red Flags to Watch For

• "No commission" with amazing rates: If the rate seems too good, it's a trap
• Fast counting: Scammers palm notes during counting
• Calculator tricks: They may manipulate the calculator display
• Distraction techniques: Someone interrupts, then money disappears
• Folded notes: They fold small notes to look like large ones

How to Exchange Safely

• Use only authorised changers: BMC, Central Kuta, PT Dirgahayu Valuta Prima
• Count your money: Count it yourself, twice, before leaving
• Use ATMs: Safest option overall
• Bank exchanges: Slower but zero scam risk

Using Cards in Indonesia

Where Cards Work

• Hotels and resorts: All accept cards
• Upscale restaurants: In tourist areas like Seminyak, Ubud, Sanur
• Shopping malls: Yes, in Kuta, Jakarta, Surabaya
• Supermarkets: Carrefour, Hypermart, Pepito accept cards
• Tourist activities: Dive centres, surf schools, spas often accept cards (sometimes with fee)

Where You Need Cash

• Warungs: Local restaurants are cash-only
• Markets: Art markets, local markets — all cash
• Transport: Taxis, ojeks (motorbike taxis), ferries — cash
• Small shops: Most local shops are cash-only
• Temple donations: Cash only

How Much Does Indonesia Cost?

• Budget: 300,000-600,000 Rp/day (£15-30) — hostels, warungs, local transport
• Mid-range: 800,000-1,500,000 Rp/day (£40-75) — nice hotels, restaurants, activities
• Luxury: 3,000,000+ Rp/day (£150+) — resorts, fine dining, private tours

Typical Prices (Bali)

• Nasi goreng (fried rice): 25,000-50,000 Rp (£1.25-2.50)
• Bintang beer (large): 35,000-60,000 Rp (£1.75-3)
• Scooter rental (day): 70,000-100,000 Rp (£3.50-5)
• Balinese massage (1hr): 100,000-200,000 Rp (£5-10)
• Grab car (short): 20,000-40,000 Rp (£1-2)