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The 5 best travel money cards for bali in 2024.

Bali is a well frequented destination for many Australians and is high on the list when daydreaming of a beach holiday. With its sunny weather, long beaches, warm smiles and welcome hospitality it is no wonder Australians return year after year.

In Bali you are likely to pay for accommodation, food and entertainment as well as withdraw cash from ATMs with your card. So which is the best travel card to take with you?

It's easy, to save you lots of time, we have compared a large number of the best travel cards to take to Bali for Australians in 2024 and have summarised their best points.

Indonesian Rupiah

Best 5 Travel Money Cards for Bali in 2024:

  • Wise Travel Card for the best exchange rates
  • Revolut Travel Card for low fees
  • Travelex as the best all rounder
  • ING One Low Rate Platinum Credit Card   for no international transaction fee
  • HSBC Everyday Global for best debit card for ATM cash withdrawals

Wise Travel Card - Best Exchange Rates

  • 40+ currencies available
  • Best exchange rates globally
  • One of the lowest conversion fee on the market
  • No international transaction fees
  • No annual or monthly fees
  • Extremely low costs to send money overseas

Wise Travel CArd

Wise Travel Card

  • Cross currency conversion fees are between 0.24–3.69%. AUD to USD, EUR or GBP was 0.42%, which is one of the lowest on the market
  • Free cash withdrawals up to $350 every 30 days. However after that, Wise Card charge a fixed fee of $1.50 per transaction + 1.75%
  • Daily ATM withdrawal is $2,700
  • Issue up to 3 virtual cards for temporary usage
  • It takes between 7 to 14 business days to receive your card
  • Can be used wherever MasterCard is accepted

For Australians traveling to Bali, the Wise Travel Card presents a range of features that are particularly beneficial. Firstly, the card offers access to over 40 currencies at the intermarket exchange rate, which is renowned for being the most cost-effective globally. This is especially advantageous for Australians in Bali, as it allows them to convert Australian Dollars (AUD) to Indonesian Rupiah (IDR) at highly competitive rates. Given the exchange rate fluctuations, having access to the intermarket rate can lead to significant savings during their stay. However if you use ATMs frequently this is not the card to use due to the fees. Finally Wise Travel Card lets you transfer money to an overseas bank account with extremely low fees and the best exchange rate.

Revolut - Low Fees

  • 30+ currencies available
  • One of the best exchange rates globally
  • No annual or monthly fees for standard membership
  • No initial card fee
  • Instant access to a range of cryptocurrencies

Revolut Australia Travel Card

Read our Revolut Card Review

Revolut Travel Card

  • No fee ATM withdrawals up to A$350, or 5 ATM withdrawals, whichever comes first, per rolling 30 day period and 2% of withdrawal amount (minimum charge of A$1.50) after that
  • Exchanging currency on the weekend can incur a 1% mark-up fee
  • Fees on international money transfers were introduced in April 2021.
  • Can be used wherever Visa is accepted

The Revolut Travel Card is a decent option for those who travel a lot as it offers over 30 currencies at a great exchange rate, which is the cheapest rate globally. However if you exchange currency on the weekend you can incur a one-percent mark-up fee. In addition they have introduced fees for international transfers. Finally if you use ATMs frequently this is not the card to use due to the fees.

Travelex Money Card - Best All Rounder

Best features.

  • Unlimited free ATM withdrawals
  • 24/7 Emergency Assistance
  • Initial and replacement card are free
  • Lock in up to 10 currencies

Travelex Australia Travel Card

Read our Travelex Travel Card Review

Travelex Money Card

  • Minimum load of $100 and maximum load of $100,000
  • Can be used wherever Mastercard is accepted
  • Fees include a $10 closure fee, $5 for an additional card and $4 inactivity monthly fee.
  • While Travelex don't charge ATM fees, some ATM operators may charge their own fees.
  • Currencies that can be loaded are AU$, US$, EU€, GB£, NZ$, TH฿, CA$, HK$, JP¥, SG$
  • If your card is lost or stolen you can access cash in your account through Moneygram or Western Union agents, with no charge
  • Boingo hotspots offer free wifi and you can look at their number of free hotspots per country on this map

The Travelex Card is a good all rounder.

You can use it to take money out of the ATM, for merchant purchases like restaurants and even for online shopping in foreign currency. While the exchange rates aren't as good as the Wise or Revolut Card abroad , the support network if the card is lost or stolen is very good.

ING One Low Rate Credit Card

  • No annual fee
  • No international transaction fees on purchases
  • Up to 45 days interest free on purchases
  • Lowest cash advance interest rate of 11.99%
  • Use instalment plans to pay off your purchases over time at a lower interest rate

ING One Low Rate Credit Card is one of the top 3 travel money cards to take to Bali

  • 11.99% interest rate on purchases
  • $6,000 minimum credit card
  • Make payments from your mobile with pay with Apple Pay and Google Pay
  • International ATM fee and Foreign currency conversion fee are waived when you deposit $1,000 into your Orange Everyday each month, and make 5+ card purchases that are settled. Otherwise they are the higher of 3% or at least $3
  • Put repayments on auto payment each month to pay the minimum balance or full amount

The ING One Low Rate credit card for travel is a great option to take to Bali for your next overseas trip as it has one of the lowest interest rates with no international transaction fee on purchases. These two features alone will save you lots of money abroad.

In addition, it has no annual fee, offers 45 days interest free on purchases and it offers the one of the lowest interest rates for cash advances. Finally, it's super versatile. You can make payments from your mobile with Apple Pay and Google Pay.

HSBC Everyday Global Debit Card

  • No international ATM fees
  • No initial card or closure fees
  • No monthly or account fees
  • No cross currency conversion fees
  • Lock in very competitive exchange rates before travel
  • No maximum balance
  • Earn 2% cashback

HSBC Everyday Global Debit Card is one of the 3 travel money cards for Bali in 2022

  • 10 Currencies can be loaded are AUD, USD, GBP, EUR, HKD, CAD , JPY, NZD, SGD, CNY (currency restrictions apply to CNY)
  • Very competitive exchange rates on all currencies when you have currencies already loaded on your card
  • ATMs within Australia need to be HSBC and overseas they need to display a VISA or VISA Plus logo, not be be charged fees
  • Earn 2% cash back when you tap and pay with payWave, Apple Pay or Google Pay for purchases under $100. With a maximum of $50 cash back per month. In addition you need to deposit $2,000 or more into your Everyday Global Account each calendar month.
  • Daily maximum ATM withdrawal is $2,000
  • Fraud protection covered by Visa Zero Liability

HSBC is very prominent in Asia and Bali so this is the best debit card for ATM cash withdrawals , as the ATMs only need to display a VISA or VISA Plus logo for free cash withdrawals.

In addition the HSBC Everyday Global Travel Card has no international transaction fees and monthly fees. You can use this card as well in Europe, the UK, the US and New Zealand as well. Finally it offers a 2% cash back incentive when you tap and pay under $100.

Learn more about the best credit, debit and prepaid cards for travel

money travel card bali

Credit Card

money travel card bali

International Prepaid Cards

money travel card bali

The best debit card for Bali charges no international transaction fees and offers intermarket exchange rates on currency conversion, this is the Wise Multi Currency card . It has no set up costs, no ongoing costs or fees for inactivity.

Yes, it is better to have a little bit of Indonesian Rupiah before you arrive. You need cash to pay for your visa when you arrive, cash to pay for transport and tipping in accommodation. The Indonesian exchange rate can be found at the Bank Indonesia page or our home page.

It’s not advisable to carry too much money into Bali, while there is no limit on the amount of foreign currency you bring into Bali, it's better to only bring enough for 2 days. You can work out how much money you need for a week in Bali in our useful guide.

You should take both cash and a card to Bali. A travel money card is better than cash for security reasons and that in most places in Bali you can pay with a card. No one can access your cash unless they have your 4 digit pin. If you lose your travel money card you can quickly report it lost or stolen to stop unauthorised transactions. Cash is better for tipping, on transport and in markets.

Yes Bali does take debit cards especially those linked to Mastercard or Visa, less so with American Express. Most debit cards issued in Australia will work in Bali and it's best to advise your bank that you are travelling to Bali before you leave so they don't cancel your card while you are away. Debit cards work in a similar way to in Australia, tap and pay or punch in your digits and pay. Always accept the local currency when the DCC screen appears to save money.

The currency in Bali is the Indonesian rupiah. They have 6 banknotes called rupiah and 5 coins called sen. The most common notes you’ll probably be dealing with are the blue Rp. 50,000 banknotes or the reddish-pink Rp. 100,000.

More Travel Card Guides

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The 6 Best Travel Money Cards for Bali 2024

Claire Millard

Bali has it all, from pristine beaches perfect for surfing, a wild party scene, spiritual sites and unique culture - plus places to get away from it all, practice yoga, wander rice terraces and eat fantastic food.

Getting to Bali from the UK isn’t the cheapest or easiest journey. Make sure you can get as much from your trip as possible with a travel debit, prepaid or credit card which can let you cut your overall costs, beat foreign transaction fees, or earn cash back and rewards. This guide walks through your travel money card options and touches on 6 of our favourites to kickstart your research.

Wise - our pick for travel debit card when travelling to Bali

Wise accounts can hold and exchange 40+ currencies, and you can get a linked Wise card for a one time delivery fee. Top up your account in GBP and switch to IDR before you travel. All currency conversion uses the mid-market exchange rate, with low fees from 0.41%. Here are some of the pros and cons of the Wise travel money debit card, to help you decide if it’s right for you.

money travel card bali

Hold and exchange 40+ currencies , including GBP-IDR

No fee to spend any currency you hold, low conversion fees from 0.41%

Mid market exchange rate on all currency conversion

Some fee free ATM withdrawals every month

No ongoing fees and no interest to pay

7 GBP delivery fee

No option to earn points or rewards

Click here to read a full Wise review

What is a travel money card?

A travel money card can be used for contactless payments in stores, online shopping and cash withdrawals. Where it’s different to any other card you might hold is that your travel card will have been optimised for international spending, to make spending in a foreign currency cheaper and easier.

The UK is well served for travel money cards, and while individual cards all have their own features and benefits, you may find you can hold a balance in multiple currencies, avoid foreign transaction fees, or earn cash back or rewards overseas.

What are different types of travel cards?

Generally you can split the different types of travel cards available in the UK into the following categories. We’ll walk through the features and benefits of each in a moment:

Travel debit cards

Travel prepaid cards

Travel credit cards

Quick summary: Best travel cards for Bali

Bali is part of Indonesia - so while you’re there you’ll need to spend Indonesian rupiah (IDR). This review of travel cards offers 6 convenient cards to let you do just that. Here’s what we’ll be looking at:

Wise travel debit card : Hold 40+ currencies, including IDR, with no ongoing fees, and spend with the mid-market exchange rate with no foreign transaction fee and low conversion costs from 0.43%

Revolut travel debit card : Hold a balance in GBP or around 25+ other currencies, then spend in IDR with mid-market exchange rates to the plan limit. Pick from 4 different plan types, including some with no monthly fee, and some which come with ongoing costs but which unlock more benefits and no fee transactions

Post Office travel money card : Hold GBP and 21 other currencies, with a secure card you can pick up in person at a Post Office. A 3% fee applies when spending IDR

Monese travel money card : Hold a balance in GBP, then spend in IDR with no fees, up to your plan’s limit. Different plans on offer, including Simple which has no ongoing fees to pay

Barclays Rewards Visa travel credit card: Spend with the Visa exchange rate, and earn 0.25% cash back, with no foreign transaction fee and no cash advance fee. Interest and penalties can apply

Halifax Clarity Mastercard travel credit card: No foreign transaction fee, no annual fee, and no cash advance fee if you withdraw money at an ATM. Variable interest and penalties can apply

Travel money cards for Bali compared

Here’s a brief comparison of all the cards we’ve picked out - in a moment we’ll also look at each card in more detail.

Before you order a new travel money card, you’ll need to weigh up which type of card, and which specific provider might suit your needs. Travel debit cards from a service like Wise can let you hold an IDR balance which is handy if you want to see your travel budget for Bali in advance.

Monese cards come with some currency exchange with no fees, depending on the plan you pick. And while credit cards can be pretty costly they can also offer ways to earn rewards as you spend. This guide helps you compare different card types and providers so you can pick the right one for your needs.

Travel Debit Cards for Bali

Travel debit cards from a specialist provider come with a linked digital account you’ll manage from your phone. Depending on the specific travel debit card you select you may be able to add money in GBP and just convert to IDR at the point of payment automatically, or to hold a balance in IDR in your account so you can see exactly what you have to spend in advance. That can be handy if you spot a good exchange rate and want to lock it in, or if you’re working to a strict budget and want to see exactly how much you have to play with before you start spending.

Below we’ll walk through two popular travel debit card picks which each have their own specific features and fees, so you can compare.

Travel debit card option 1: Wise

There’s no fee to open a personal Wise account , but you’ll pay a one time card order fee of 7 GBP. After that there’s no minimum balance and no monthly charge. Wise accounts can support 40+ currencies for holding and exchange, with low fees from 0.43% when you convert currencies, and transparent ATM fees when you exhaust the monthly free transactions available with your account.

No fee to open a personal Wise account, no minimum balance requirement

7 GBP one time fee to get your Wise card

2 withdrawals, to 200 GBP value per month for free, then 0.5 GBP + 1.75%

Hold IDR and 40+ other currencies, convert between them with the mid-market rate

Get local account details to receive GBP, NZD, EUR, USD and a selection of other major currencies conveniently

Multi-currency account and card Wise

Travel debit card option 2: Revolut

Revolut has a selection of different account tiers for personal customers in the UK, including Standard plans with no monthly fee, to the top end Ultra plan which has a 45 GBP/month fee and comes with loads of perks including a fancy platinum plated card.

You can hold around 25 currencies, although IDR isn't supported for holding and exchange. Instead you’ll add money in GBP and your card will convert automatically with the mid-market rate to your plan’s allowance, whenever you spend or make a cash withdrawal. The higher account tiers also come with extras like various different forms of complimentary insurance, discounts, cash back opportunities and travel benefits.

No monthly fee for a Standard Revolut account, or upgrade to one of 4 different account plans which have monthly fees running from 3.99 GBP/month to 45 GBP/month

All accounts have some no fee weekday currency conversion with fair usage fees after that which are 1% for Standard plan holders

Standard plan holders can withdraw 200 GBP overseas per month for free

Hold around 25 currencies

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Pros and cons of using debit travel cards in Bali

How much does a travel debit card cost.

The costs of a travel debit card depend on the provider you pick and the way you transact.

For the cards we’ve looked at here, the Wise travel debit card has a one time fee to get your physical card, but there are no monthly charges or minimum balance requirements after that. You can add a balance in GBP and then switch over to IDR in advance with a small currency conversion cost which can be as low as 0.43%. Or you can leave your money in GBP and the card can convert for you with the same great rates and low fees.

Revolut works a little differently, with 4 different account plans available including a Standard account with no ongoing charges but relatively limited features, and 3 personal account plans which have a monthly fee but which offer more no-fee transactions. You can’t hold a balance in IDR so you’ll need to rely on the card to convert for you. There are no fees until you hit your plan conversion limit, but there are then fair usage fees of 0.5% - 1% for some account tiers after that.

How to choose the best travel debit card in Bali?

The best travel debit card for Bali will depend to an extent on your personal preference. If you’d prefer to see your travel budget in IDR ahead of time, you might consider Wise as you can add a balance and then convert to IDR for spending later.

As an alternative, you might choose Revolut which lets you add money in GBP and spend in IDR with no conversion fees up to your plan limit. To unlock more no-fee conversion you’ll need to pay monthly fees so it’s worth comparing your options based on how frequently you might use your card.

Is there a spending limit with a travel debit card in Bali?  

You’ll probably find there’s a spending limit for your travel debit card. However, this limit can vary quite significantly, depending on the provider you pick. You can also usually adjust your spending limits for security in the provider’s app which means you can set the limit you’re comfortable with.

For the providers mentioned above, Revolut UK travel debit card holders have some spending caps based on merchant and transaction type. This applies to things like sending money to others, buying travellers cheques or money orders, and betting. Wise caps monthly card spending at 30,000 GBP but you can also move your limit lower if you’d like to, for security reasons.

ATM withdrawals

ATM withdrawals with a travel debit card are also likely to be subject to limits. Revolut applies a 3,000 GBP limit based on any given 24 hour period. Wise ATM withdrawal limits are 4,000 GBP per month. Both providers allow you to make some no fee ATM withdrawals monthly, but the exact amount you can withdraw will depend on your account type.

Prepaid Travel Cards for Bali

[Prepaid travel cards] ( https://exiap.co.uk/guides/best-prepaid-travel-cards ) are another common option for your trip to Bali. As with travel debit cards, you’ll have an extra layer of security because your card isn’t linked to your main UK bank account. But because prepaid cards don’t commonly support IDR for holding a balance, there could be a few extra transaction fees which push up the overall cost, depending on the specific card you select. Here are a couple of strong contenders for prepaid travel cards in the UK:

Prepaid travel card option 1: Post Office Travel Money Card

You can order a Post Office Travel Money Card online or pick one up in person at a branch as long as you have a valid ID on you. Cards allow you to top up and hold 22 currencies, although bear in mind a fee applies when you spend in IDR as it’s not a currency supported by the card. That means that when you spend in Bali, payments will be deducted from your GBP balance instead, with a 3% fee.

3% cross border fee when you spend in IDR

22 currencies are supported for holding and exchange

No fee to spend a currency you hold on your card

ATM withdrawal fee will be deducted from your GBP balance, and will be the equivalent of 1.5 GBP

Manage your account and card from the Post Office travel money app

Prepaid travel card option 2: Monese Travel Money Card

Monese offers several different account plans which come with linked cards you can use while overseas. Depending on the plan you pick you’ll get some free international spending and some free ATM withdrawals. Simple account plans have no monthly fees, but are more limited in terms of no-fee transactions compared to the other account tiers. While Monese does offer foreign currency account plans, these are not available in IDR.

Pick the account plan that suits your needs, including a Simple plan with no monthly costs and some plans which do have a fee to pay every month

Accounts offered in GBP, EUR and RON

Simple account plan holders can spend up to 2,000 GBP a month in foreign currencies with no fees - other account plans have unlimited overseas spending with no extra fees

All accounts have some fee free ATM withdrawals every month, with variable limits based on account plan

Virtual cards available

Pros and cons of using prepaid travel cards in Bali

How much does a prepaid card cost.

The costs of a prepaid travel card can vary quite a lot. The Post Office travel card has no initial fee, but as IDR isn’t supported for holding and exchange, you’ll pay a 3% cross border fee when you’re in Bali.

Monese has account plans which offer some currency conversion with no fees every month, so this can still be an attractive option based on cost, but you’ll need to weigh up any monthly fees that apply for your specific card plan.

How to choose the best travel prepaid card for Bali?

The best prepaid travel card for Bali really depends on your personal preferences. The Post Office card has the advantage that you can pop into a Post Office branch and get one in person if you’re in a hurry - but the downside that using it in Indonesia comes with a hefty 3% cross border fee. The Monese cards on offer include a Simple card which has no monthly fee but which only lets you spend up to 2,000 GBP internationally a month before extra costs apply. If you’re spending more, upgrading to a Monese account with a monthly fee may actually be better value - plus you can downgrade again any time you like.

Prepaid travel card spending limit

The Post Office travel card lets you top up to 5,000 GBP at a time, with the maximum balance at any given time set at 10,000 GBP, or 30,000 GBP annually. Monese accounts may have different limits based on the tier you pick - usually set at a maximum holding balance at any time of 40,000 GBP. You may be limited to spending up to 7,000 GBP a day, depending on your account type.

With the Post Office card, you can make up to 17,000 THB maximum daily withdrawals and each withdrawal costs 80 THB. Monese accounts may have a maximum ATM withdrawal of 300 GBP a day, depending on the specific account you pick, so it’s worth reading the fee schedule carefully to understand the details.

Travel credit cards for Bali

Travel credit cards don’t let you hold a balance in IDR, but instead when you spend your payment is converted from Indonesian rupiah to GBP using the network rate to be added to your bill. With travel credit cards you’ll often find that the foreign transaction fees which many credit cards use for foreign currency spending are waived, which can mean it’s around 3% cheaper to use a travel credit card abroad compared to using a normal credit card.

However, as with all credit cards, there are some fees you’re likely to run into with a travel credit card which can mean it’s a more expensive option than using a debit card.

Travel credit card option 1: Barclaycard Rewards Visa 

The Barclaycard Rewards Visa credit card is a good, straightforward option for UK customers looking for a credit card which does not have foreign transaction fees, and which doesn’t have an annual fee. As with any credit card, some costs can apply including interest fees if you don’t clear your bill monthly, but you’ll be able to earn 0.25% cash back on all your card spending at home and abroad.

No annual fee, with 0.25% cash back on card spending

Currency exchange uses the network rate and no foreign transaction fee

No ATM withdrawal fee - but interest can still apply

28.9% representative APR, with penalty fees for late payments

Secure spending with extra protection on some purchases

Travel credit card option 2: Halifax Clarity Mastercard

The Halifax Clarity Mastercard has a variable interest rate which is based on your creditworthiness, but doesn’t use different rates for different transaction types as some cards do. There’s no foreign transaction fee when you spend or withdraw in foreign currencies, but bear in mind that an ATM operator might charge a fee, and interest accrues instantly for cash advance transactions.

No foreign transaction fee when spending or making a cash withdrawal overseas

Interest applies instantly when making cash withdrawals

Same interest rate applies on all purchase categories

Variable APR based on your credit score - you’ll need to check your eligibility online to see the APR you’d be offered

Spending is covered by the Consumer Credit act which means extra protections for purchases from 100 GBP to 30,000 GBP in value

Pros and cons of using credit cards for Bali

How much does a travel credit card cost.

Travel credit cards may have no annual charge and no foreign transaction fee to pay when spending overseas. However, variable interest, which is set based on your credit score, will still apply if you don’t pay your bill in full every month. It’s also important to note that although the cards we’ve featured above have no cash advance fee for making ATM withdrawals, interest usually accrues instantly. Overall that can mean credit card spending costs more in the end than using a debit or prepaid travel card.

How to choose the best travel credit card for Bali?

If you’re planning on spreading the costs of your spending over a few months it’s worth looking for the card which has the lowest available interest, particularly if it has no annual fee to worry about. If you’ll usually repay your bill in full monthly it may be more important to you to find a card which offers cash back or rewards. Weigh up a few different options while you decide, to make sure you get the right match for your specific needs.

Travel credit card spending limit

Your travel credit card spending limit will be set by the card provider, and will depend on your credit score. You’ll be shown details of your spending limit when you’re approved for a travel credit card.

The cards we’ve looked at earlier don’t charge a cash advance fee, but this is a common cost when using a credit card at an ATM, so worth looking out for when you select any credit card. It’s also worth noting that it’s very common for ATM withdrawals to start accruing interest instantly, so you’ll end up needing to repay some charges whenever you use your credit card in an ATM.

How much money do I need in Bali?

Bali doesn’t have to be an expensive destination. While you can opt for high end luxury, there are nice hotels at a reasonable price and food shouldn’t break the bank either. Here’s a quick look at some common costs in Bali:

Conclusion: Which travel money card is best for Bali?

Using a travel money card when you’re overseas is secure and convenient, and can help you cut costs and manage foreign transaction fees.

The right travel card for Bali will depend on what you prefer. Check out a few while you’re shopping around - the Wise travel debit card might suit if you want to convert to IDR either in advance or at the point of payment, with low fees and the mid-market exchange rate. A Monese travel prepaid card might be a good pick if you’ll only exchange money to the free currency conversion limit set in your specific plan. Or, a travel credit card like the Barclays Rewards Visa could work if you want a card for earning cash back and for using as a payment guarantee.

FAQ - Best travel cards for Bali

Can you withdraw cash with a credit card in bali.

Yes. You can use your credit card to make an ATM withdrawal at any ATM in Bali where your card network is accepted. However, bear in mind you’ll pay interest instantly when you use a credit card in an ATM. Choosing to withdraw with a low cost travel debit card from Wise or Revolut may bring down your overall fees.

Can I use a debit card in Bali?

Cards aren’t universally accepted in Bali. You should have no problems paying in larger and chain stores, hotels and restaurants in the cities, but bear in mind that you may not be able to pay with card in smaller merchants or at markets, so having both a prepaid or travel debit card and some Indonesian rupiah in cash is a smart plan.

Are prepaid cards safe?

Yes. Prepaid cards are not linked to your normal UK bank account which means that they’re safe to use. Even if you were unlucky and someone stole your card while you’re in Bali, they would not be able to access your main account - and you could freeze your prepaid card in the app easily if you needed to.

What is the best way to pay in Bali?

In some places, cash will be the only option for making payments in Bali. In general, making sure you always have some cash in Indonesian rupiah, and a travel card for spending or getting cash from an ATM, is a good choice so you have a back up plan if you ever need it.

Know Before You Go!

Should I bring cash or credit card to Bali?

Should I Bring Cash or Credit Card to Bali?

Your long-awaited trip to Bali is fast approaching!  You have been planning this vacation for a long time, and you are definitely looking forward to some down time sipping on a coconut at the beach.  But how do you pay for that coconut? This begs the question: “Should I bring cash or credit card to Bali?”  The short answer is, both.  Read on and we’ll explain what kind of money you need in Bali.

What is the Currency in Bali?

Indonesia’s official currency is the rupiah (IDR).  Therefore, the currency in Bali is also the rupiah.

  • The current rupiah consists of coins from 100 rupiah up to 1,000 rupiah.  
  • Banknotes range from 1,000 rupiah up to 100,000 rupiah. 
  • $1 USD is worth approximately 15,743.64 IDR.* 
  • The largest Indonesian banknote of 100,000 rupiah is worth about $6.35 USD.*

*According to the current exchange rate.

Indonesian Rupiah Bank Notes - Money in Bali

Therefore, if you want to have a couple hundred dollars in your pocket, you will have a decent size sum of money to carry around in Bali. Imagine carrying around a couple hundred dollars in $5 USD bills.  The largest Indonesian bank note is 100,000 rupiah. This is equivalent to about $7 USD. Therefore if you want to have the equivalent of $200 USD, not only will you be carrying around thirty 100,000 Indonesian Rupiah (IDR) bank notes, you will have about 2.9 million rupiah in your pocket! On the bright side, everyone that comes to Bali is a millionaire! 

This now begs the question, “Should I bring cash or credit card to Bali?”

Should I Bring Rupiah or Exchange Money in Bali?

When entering Bali there are a few things to consider to help you decide whether you should obtain rupiah from your local bank prior to arriving in Bali, obtain cash at the nearest ATM in Bali, or bring your local currency and use a money changer to exchange cash in Bali.

Unlike the United States, Europe and Australia where going cashless is the norm, here in Bali cash is still king.  The locals can use their bank accounts to pay for many things cashless, but as a tourist you will definitely need cash if you want to wander outside of your Bali resort, or AirBNB.

Most major banks in your home country will offer you the option to purchase foreign currency.  You are indeed “purchasing” currency.  You would think that you could simply exchange money at your bank at the current conversion rate you see online.  Perhaps you Googled “Currency Calculator” and calculated a certain dollar amount to exchange. Unfortunately, it is not that simple. 

Woman Exchanging Dollars and Counting Indonesian Rupiah

Your local bank may charge you an Exchange Fee and will definitely charge you the “Spread”.  The spread is basically the difference in the bank’s exchange rate versus the market’s rate. The market rate is what you are seeing on Google, or a currency converter app.  The market rate is essentially the bank’s fee for purchasing currency and is rarely available to you.  I won’t bore you with all the details about the “spread”, how to calculate it, and how the banks try and obscure this number, but just know that it will range between 8%-10%.  This means that for every $100 you exchange, you will pay about $10 to obtain rupiah at your local bank.

I agree, this is a very high fee!  However, many of the bank tellers don’t know what the spread is, how to calculate it, or what other hidden fees are involved in your transaction.  Unfortunately, they just plug a number into their computer, and it gives them your resultant exchange amount.  If you agree to this number, the bank teller will then “order” your rupiah (or any other desired foreign currency) after ‘paying’ them for the currency you want.  Afterward, you return 1-3 business days later to pick up your foreign currency, since very few banks will actually have Indonesian rupiah on hand at the bank.

It can all be a little annoying, especially having to physically go to the bank multiple times.  You may want to consider, though, exchanging a couple hundred dollars to have rupiah on hand when arriving in Bali.  This can be beneficial when arriving late at night and all you want is to get to your hotel.  At 1:00 a.m. you may not want to be bothered using an airport money changer to obtain cash in Bali. However, if you plan on using a taxi, or airport transfer to your hotel, you will have to pay for the ride, and 99% only accept cash.  

TIP:  Most taxi’s do not accept credit cards in Bali.  I have only been in a few taxis that accept a credit card in Bali.

However, this isn’t necessary to do prior to arriving in Bali.  You can exchange money here at the numerous money changers, even doing so before leaving the airport.

Can I Exchange Money in Bali?

There definitely is no shortage of Money changers in Bali.  You can also exchange money within the airport, as well as most hotels.  However, you will pay a small premium to do so.

Exchange rates are very good in Bali, often within a few hundred rupiah (less than $1 USD) of the advertised rates online.  You won’t have the same problem with fees exchanging money in Bali as you do back in your home country.  The advertised rate is what you get in return.  Many money exchange locations do not charge extra commissions.  Therefore, a simple calculation will tell you what you will receive in return.  

Central Kuta Money Exchange in Bali - Exchange Money in Bali

Remember to always count your money yourself!  Read this article:  Bali Money Changer: How to Exchange Cash and Avoid Getting Ripped Off in Bali .

TIP: I would recommend downloading the XE Currency app for your phone.  It gives updated currency rates every minute.  This comes in handy when wanting to exchange money, or use the ATM.  I use my app all the time.

Of course, your next option to obtain money for you Bali needs, is to use the ATM to obtain rupiah.

What Are the Best ATMs to Use in Bali?

There are many ATMs you can use while traveling in Bali.  The most common ATMs from large banks you will find are: 

  • BCA (Bank Central Asia)
  • BNI (Bank Negara Indonesia)
  • BRI (Bank Rakyat Indonesia)
  • Mandiri Bank

money travel card bali

There are other foreign bank brand ATMs you will find to obtain money in Bali.  However, I would stick to the large Indonesian brand banks listed above.  Many of these ATMs are located at the banks and have security personnel. Also, many of these bank brands have well maintained stand-alone ATM centers.  I, personally, prefer to use Mandiri ATMs simply because I know I can withdraw money without any fees.

Read this article on  How to Use ATM’s in Bali , which goes into more detail about Bali ATMs and also discusses Fee Free ATM’s in Bali. 

Also, you want to read  How to Spot an Unsafe ATM and Check for Skimmers Using Your Phone.

TIP: Some banks, such as Mandiri and BNI, have security guards at their ATMs located at the bank. The presence of security personnel means it is less likely someone will tamper with the ATM.

Can I Use My Credit Card in Bali?

Yes, but not everywhere.  Many businesses including hotels, most tourist-based restaurants and stores, as well as the larger grocery stores such as Pepitos, Grand Lucky, and Carrefour all accept credit cards.  Many of the local restaurants (warungs) and convenience stores like Indomaret, Circle K and Alpha Mart do not accept credit cards.  

Read this article on Top 100 Indonesian Words and Numbers to Know in Bali.

Visa and MasterCard are the credit cards you will need to use.  Very few places will accept American Express.  Expect to pay a 3% surcharge at many businesses for the convenience of using your credit card.  When you present your card to the person you are paying, they will say “3% fee to use credit card”.  This is very common in Bali, and not regulated in Indonesia.  Therefore, don’t be surprised if you are presented with this fee while using your credit card.

TIP: When using your credit card you will have the choice to complete your transaction using Rupiah or USD (if using a USA based credit card).  ALWAYS choose rupiah.  

In addition to the 3% fee, you may charged another fee if you choose to have your transaction processed in your home country currency.  When processing your credit card, many businesses will ask if you would like to complete the transaction using Rupiah or your home currency.  Make sure you choose rupiah!  

The exchange conversion from rupiah to your home country currency will cost you more than simply processing the transaction in rupiah.  You can verify this by looking at the receipt that prints when they ask you this question.  It will show the amount in rupiah and also another amount in your home currency. This will require a mental calculation of the exchange rate to your home country currency, or you can use a currency converter app.

The clerk may also ask if your card has a PIN.  My credit card does not use a PIN, and yours probably doesn’t either if you are from the United States.  Simply tell them “No PIN” and they will process without using a PIN.  If you have a PIN associated with your credit card you can enter it at this point.

Can I Use My Debit Card in Bali?

Yes.  However, the same rules apply as using a credit card.  You need to have a Visa or MasterCard branded debit card.  Plain, non-branded, ATM cards will not work when making purchases. Also, more than likely, you will not be able to use them at the ATMs.

Most hotels also will need a proper credit card and won’t accept debit cards.  Contact the hotel ahead of time to find out if you want to use your debit card.

Visa and MasterCard Debit Card - Use your Credit or Debit Card in Bali

Can I Use Traveler’s Cheques in Bali?

Yes.  However, you can only use them at the money changers.  Many money changers will accept traveler’s checks, but the exchange rate will not be as good as using cash.  You cannot use traveler’s checks as currency when making purchases in Bali.

American Express Travelers Cheque - Exchange Travelers Cheques for Rupiah

How Much Money Can I Take to Bali?

You are allowed to enter Bali with up to 1 Billion rupiah in cash (Approximately $63,517.73 USD).  So, entering Bali with any amount of money for your holiday vacation should not be a problem.  

How Much Cash Should I Bring to Bali?

I would recommend traveling with at least a couple hundred dollars, in cash, from your home country, exchange it here in Bali, and then use ATMs for your other cash needs.  This way you don’t need to constantly carry large sums of money, or leave cash in your resort or villa while out for the day.

TIP:  Many hotels and AirBNB villas do not provide safes in the room.

Life in Bali

For many traveling to Bali you will find that many things cost much less than your home country.  However, it is all relative.  The average monthly wage for Indonesians, in Bali, is only 2-3 million rupiah per month. ($150-$200 USD or $200-$300 AUD).

Therefore, please don’t pull out large amounts of cash when making purchases, be discreet simply out of respect for their way of life.

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How to pay in Bali

Cash, credit cards, atms and money changers.

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The Ultimate Guide to Payment Methods in Bali: Cash, Cards, and More

Bali is very accommodating when it comes to paying for your holiday expenses and cashless payments are on the rise. The local population uses several payment apps and QR code payment systems which are working smoothly and very efficiently. As a tourist, usually one does not have access to those payment gateways, nevertheless using credit cards, pulling money from ATM machines and changing money is easy. 

The Currency in Bali and Indonesia

The indonesian rupiah – idr.

Indonesia uses the rupiah (IDR) as its official currency. Since some of its bills contain a lot of zeroes, it might seem like you have enough money to buy a private island when, in reality, you probably only have enough to buy you a meal.

The official currency symbol is IDR, but very often you can see Rp. being used.

Contrary to what might expect the Indonesian Rupiah has been pretty stable over the years.

You can check the current rates here:

Click for Exchange Rate and Currency Converter

Very Roughly:  IDR 100,000 equals

Indian Rupee 550

There are coins  with the value of Rp. 50, Rp. 100, Rp. 200, Rp. 500 and Rp. 1,000

Because of their low value, people kind of try to avoid using them. 

Notes  are available at Rp. 1,000, Rp. 2,000, Rp. 5,000, Rp. 10,000, Rp. 20,000, Rp. 50,000, and Rp. 100,000,-

You are not allowed to bring cash into the country that exceeds the value of IDR 100,000,000, otherwise a declaration must be filed, and you will have to pay a tax on the total amount.

Yes. Credit Cards in Bali (Visa & Master) are widely accepted

Visa and MasterCard are the most accepted credit cards in Bali.  Only a few hotels and restaurants do take Amex, Diners Club even less.

credit-debit-card-in-bali-indonesia

Credit card acceptance is widespread in today’s retail establishments, especially in Bali’s high-traffic areas where tourists frequent. Hotels, restaurants, shops (not the “hole in the wall”-shops) will accept your card,

However, you shouldn’t rely on your plastic as much as you would in more remote places the only acceptable way of payment. 

Therefore, most places accept credit cards, but some of the smaller ones, as well as hotels, guesthouses, and home-stays, tack on a 3% surcharge . This is because businesses incur a fee of 2% or more when using credit cards, and small and private vendors will pass along that cost to the consumer. Even though it’s not “correct” from the perspective of the credit card companies terms and conditions, you can’t argue your case when this happens. 

the many small shops selling souvenirs and gadgets will most likely accept credit cards. These are also the places where you rarely find price tags and bargaining is common to get a fair price for your souvenirs.

Smaller restaurants and local Warungs (local restaurants) might also not have a credit card machine.

We get asked also quite often if it is better to use cash or card for small purchases in Bali? Definitely a Yes!

Handling Cash & Paying in Rupiah

As mentioned above Cash is still a very important form of payment in Bali, particularly in the smaller shops and also when you need to pay for your transportation, or if you need gasoline. The 100,000 bills are the largest bills. It’s useful if you take also some smaller bills with you. Small shops and street sellers might struggle to make change, so 50,000 and 20,000 notes will be needed.

  • Always carry a bit of cash with you when you leave the “house”.
  • Keep enough IDR cash with you at all times since the more remote you are, the less likely you are to find a money changer (or a working ATM, or the ability to pay with credit card).

When you get to the airport, change some of your cash at one of the official money changers or get some money from an ATM using your credit card right after you got through the customs. There are plenty of money changers and ATM machines.   You won’t miss them.

Particularly do so, if you get a cab from the airport to your hotel, so you can pay the driver. Getting a cab at the airport can be quite stressful and confusing. So we suggest to arrange and pre-book your airport transfe r either via your hotel or you can pre-book here on Bali.com

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ATM Machines – Getting Cash Easily

Cash may be withdrawn from any of the many ATMs in Bali’s busiest locations using your international debit or credit card or a card from the MAESTRO CIRRUS network. You should bring extra money with you if you want to visit remote locations, such as the north of Bali or Nusa Penida, Ceningan Island.

  • ATMs dispense either 50,000 or 100,000 notes. A sticker will clearly indicate which one .
  • Most ATMs in Bali allow a maximum withdrawal of 1,250,000 (50,000 bill machines) to 3,000,000 rupiah (100,000 bill machines) per transaction with a total maximum of 6,000,000 rupiah withdrawal a day.
  • Be aware that often machines will hand out the money first before returning your card. Make sure you do not walk away without taking your card! The chances are very low that you can get it back.
  • Rates and fees will be determined by the financial institution you typically use at home. Before making an ATM withdrawal, you should probably double-check the fees with your bank.
  • Even if the fee is 3 to 5 USD the exchange rate that you get might compensate for the cost. Because if you change cash at a money changer they also don’t give you the bank rate but a lesser rate
  • Check to see if your card can be used overseas and inform your bank of your travel destination, as it has happened on a few occasions that travelers find their cards blocked by their bank as their sudden overseas spending was seen as suspected fraudulent use.
  • The most popular ATMs to withdraw money from are Bank Central Asia (BCA), Bank Mandiri, Bank Negara Indonesia (BNI), and Permata Bank.  More Commonwealth ATMs are popping up the island in recent years.
  • There have been a few cases of digital pad skimming devices found in ATMs. It is always wise to use ATMs placed in banks, shopping malls, shops and places with security camera.

Money Changers & Changing Money in Bali

Be aware that practically all money changers in Indonesia are quite picky about the condition of foreign notes they are willing to accept. If you must bring cash with you, please only bring in brand-new, crisp bills, since any bills that even seem slightly folded will not be accepted by banks and will only be exchanged at a discount by money changers.

Authorised Money Changers in Bali

The authorised money changers are the best option .

  • They have security cameras
  • They have proper signage & updated exchange rates (usually LED)
  • There in a respectable location 
  • They give off an air of reliability and trustworthiness
  • They have money counting machines
  • They give you a fair rate

Exchange Rates

money changer official

The “Shady Money Changers”. Avoid them if you can

If at all possible, you should avoid exchanging currency at “hole in the wall” establishments. Most of them are fine. But…

  • Some con artists will tack on surprise, high-priced charges at the end or use “tricky fingers” when counting your money.
  • Use caution and double-check your cash if you must use a “hole in the wall” changer.
  • Don’t get distracted , and don’t leave the counter until you’ve counted the money you’ve taken in.
  • Check  the exchange rate ahead of time so you know what how much money you should get back.

money travel card bali

How to Exchange Leftover IDR to  USD, EURO, AU$, ETC.

If you have any leftover Rupiahs (IDR), you can exchange them into other currencies in Bali before boarding your international flight. Popular options include the Australian dollar, Euro, and US dollar. There is no way the exchange rate could be as favorable as it was just after the first exchange. Yet, you would receive a far worse rate if you tried to do the exchange at a bank in your own country (if they exchange it at all)

One can say, the small shops that don’t show any price tags are the places you definitely need to bargain. In most cases they will not accept credit cards anyways. So cash is king here.

Traveler’s Cheques are a “memory of the past”. 

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Baligram Magazine

Is it worth getting a travel money card for Bali?

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It’s a myth you need a travel card for Bali | Digital art by Simon

Table of Contents Show

Do I need a travel card for Bali?

No, you don't need a travel card for Bali. Personally, I'm not a fan of travel cards. If you have an ATM card from your home country that allows international withdrawals, and you bring that along with some cash, you'll be all set.

The truth about travel cards

The truth is that travel cards are just a way for card issuers to get a slice of your money, using fear of loss and theft as a sales tactic. They make money on the exchange rate (despite claiming you’ll get a good rate) and the use of your money while it’s locked on the card.

Here’s what I recommend:

My partner and I have done long and short stays in Bali over 25 years using the following method and never had a problem and always felt I got a way better deal.

Bring 40% to 60% of your travel budget in cash of your home country. Nice bigger denomination notes, with no marks or tears.

Leave the remainder of your travel budget in your home bank account to access in Bali at ATMs. You just need a standard bank account with an ATM card that is enabled for overseas transactions.

I have found a surprisingly good exchange rate when I have used ATMs in Bali ….quite close to the rate offered for cash at a reputable money changer…it will be a little less, but not a bad price to pay for the safety of not carrying all cash.

You can also use a VISA or Mastercard for credit card transactions. Often you can have that card linked to your checking or savings account as well. However, I like having a credit card separate from my checking/savings ATM card, further reducing risk and loss if a theft occurs. Keep them in separate locations, not together in the same wallet or money belt.

Contact your home back before you go and make sure your card and account will be accessible using overseas ATMs. Let them know your dates of travel as well so they don’t flag your legitimate transactions as fraudulent.

If you are trqaveling with your partner , split your cash and bank money equally - each carry 25% of your total cash and each have at least one home bank account with 25% of your bank money. That way if either of you is robbed you will loose less.

If you are going on a longer trip and Bali is just one stop, I suggest getting two home country bank accounts with different banks and split your money equally between these accounts. Keep one card in your wallet or money belt and the other separate so if one is lost of stolen you still have access to money.

Want the full story?

Read our MEGA article, Bali Travel Tips for a complete list of tips and resources.

Other articles:

How much USD should I bring to Bali?

Is it better to have cash or card in bali, the dirty secrets travel card companies don’t tell you, dirty secret #1.

One of the reasons travel card sellers sell their cards is because they claim you will get a better exchange rate.

I think that is rubbish . You will get the best rate if you change at a reputable money changer when you arrive in Bali.

This is particularly true if you come from a country that Bali money changers accept currency from. These countries are: Australia, Brunei, Canada, China, Denmark, Euro, Hong Kong, Japan, Malaysia, New Zealand, Singapore, South Africa, South Korea, Switzerland, Thailand, the United Kingdom, or the United States.

If you come from a country like, for example, India and you need to exchange Indian rupees into US dollars before you leave home, you might see a benefit in going for a travel card that allows you to buy Indonesian Rupiah directly. You’ll just need to do the math.

Dirty secret #2

That leads me to the other reason I don’t like travel cards: if you have money left on them at the end of your trip, it can be hard, or expensive, to get your money back into your pocket. So don’t go there if you don’t have to.

The risk of theft in Bali is actually very low

There is very little theft in Bali, so the ‘risks’ travel card sprukers will try to scare you with are actually way overstated. Of course we have to be careful when traveling and be mindful of cash and cards, but you have to be careful with a travel card anyway. So what’s the difference?

But aren’t travel cards popular?

You’ll see travel cards being pushed by travel websites a lot - because they make a commission if you buy one via their link. So travel cards look popular because they are promoted everywhere.

Heck, I could be making money recommending travel cards to my readers, but I think they are a rip and just won’t do it.

I just think they are not necessary, and I would rather you keep the commission and spend it on yourself.

Conclusion: Is it Worth getting a Travel Money Card for Bali?

No . Follow my advice above and just bring a combination of cash and home bank ATM and or credit card and you will be sweet. Save the money and spend it on yourself.

1. What is a travel money card and is it worth using for Bali?

A travel money card, like a debit or credit card, can be loaded with Indonesian rupiah making it a potentially cost-effective payment method for Bali travel.

2. Are there other currency exchange options for Bali than just using cards?

Yes! Bring cash to Bali and use a reputable foreign currency exchange outlet to change it into Rupiah.

3. How can I save money on currency exchange when traveling to Bali?

Bring cash. Cash is king. Be safe by bringing 40-60% cash and the balance in a bank account you can access from a Bali ATM.

4. What should I consider when deciding how to manage my overseas spending in Bali?

Maximizing convenience and security with your choice of payment methods should be your main focus; consider if paying through networks like visa will suit your needs better or if having physical cash might work more effectively.

5. Should I get travel insurance when planning my expenses for a trip to Bali?

Getting Travel insurance could protect against potential losses incurred due to unforeseen circumstances during international travels; think about this as an additional layer of security while managing your finance in foreign lands.

What does 1 USD get you in Bali?

Editorial Team Hi, I’m Simon St John , Baligram’s writer. I am a published Author of travel guide books and a Travel Writer. I have visited Bali more than 35 times over a 25-year period. I share my passion for Bali’s nature, culture, and adventure in this travel guide. I welcome your feedback and ideas! Read about Simon and about Baligram .

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Money in Bali: a traveller's guide to bargaining, tipping and ATMs

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  • Money in Bali

Currency: Indonesian rupiah

Currency code: IDR

While Bali is considered one of the most affordable destinations in Southeast Asia, Bali is the city with the third highest living cost in Indonesia after Jakarta and Surabaya. The average price on the island also varies, depending on which area you choose to stay. 

Places like Denpasar, Badung, and Gianyar are considered the most expensive areas, so you can expect to pay higher for accommodation, food, and other items in these districts. Meanwhile, while areas like Karangasem, Tabanan, and Buleleng in Bali aren't very popular with tourists, they are known as the areas with the cheapest living costs on the island. 

As a popular tourist destination, most attractions in Bali offer a flat rate for entrance tickets for both domestic and international visitors. Depending on the site, the entrance ticket for some popular destinations in Bali typically starts from IDR 50,000 per person. 

In this section, we will dive deep into money matters in Bali, from the best way to pay in Bali to the average price for regular items around the island.

  • How to pay in Bali

While debit and credit cards are widely accepted in big establishments like malls or restaurants, it is advisable to carry cash, as shops usually have a minimum amount of transactions to accept card payments in Indonesia. 

Alternatively, you can also sign up for a digital wallet in Indonesia through apps like Ovo or GoPay (via Gojek). Most establishments in Indonesia currently accept digital payment using QRIS, which is accessible through these apps. 

QRIS stands for the Quick Response Code Indonesian Standard, a payment method using a QR code from the Bank of Indonesia to cater to faster and safer digital payment. 

To use this system during your trip, you can top up your balance manually via Grab driver for Ovo, or Gojek for GoPay. If you use Wise, you can also top up your balance by transferring the money directly from your Wise account.

Using ATMs in Bali

ATMs in Indonesia have many features, as people can use ATMs for anything from withdrawing money to paying electricity bills or flight tickets. 

You can use ATMs in Indonesia 24/7. Unfortunately, ATM scams like phishing or skimming are not uncommon in Bali, so be vigilant before choosing a machine to withdraw your money from the ATM on the island. 

If you withdraw money from other currencies while using a travel card like Wise or Revolut, it is recommended to use BCA or CIMB Niaga ATM. Not only are both banks reputable to be safer than other Indonesian banks, but their foreign exchange rates are also among the best.

Another thing you should be considered is that you may face issues with ATMs running out of money later in the day, especially when you use ATMs at minimarkets. The best ATM to use for withdrawing money would be one that's located at the bank office, if not the ATM centre at a shopping centre. 

ATMs usually dispense either 50,000 or 100,000 IDR banknotes; each machine is usually labelled accordingly near the screen. Some ATMs also provide both, and you can usually choose which banknote you want to receive when withdrawing money in Bali. 

Scams in Bali

A common scam in Bali is a foreign exchange scam, which usually happens at smaller money exchange offices on the island. Typically, they will have an excuse that they only have smaller banknotes, that you'll get too overwhelmed to calculate them only to find that you receive less money than you should. 

If you have to exchange money at one of these offices, you can insist on receiving only banknotes of 100,000 IDR to avoid being a victim of this scam. While skimming and phishing scams through ATMs in Bali are not unheard of, you can also minimise them by setting a maximum withdrawal on your card. 

With the influx of tourists around the island, you may also experience scams in the other form, including the following: 

Overpriced taxi rides. Conventional taxis with the brand labels on the car must use taximeters before taking any passengers, so make sure the driver turns on this taximeter before agreeing to any taxi services.

Petrol price higher than the standard. Unfortunately, this is quite common even at some official petrol stations. Make sure to check the machine's monitor and start it from "0" before filling your vehicle's tank. 

Getting ripped off at the local warungs or restaurants. When the price is not written on the menu, ask for the price before making an order. 

Getting approached by strangers offering various services. Whether they provide a massage on the beach or offer you to take a photograph at some touristic place, be aware that they usually come with a catch. 

Overpriced items at the local markets. Make sure to bargain the price before purchasing the local products at the shop, especially if it's in a popular tourist area. Typically, you can haggle up to 30% off the offered price. However, the price is non-negotiable if the shop puts a price tag on items they sell. So if you happen to stop by a shop like this, avoid haggling at all costs!

Typical prices in Bali

Here are the typical prices for some common items you may want to purchase on the island: 

Hostel accommodation: starting from IDR 100,000 per night

Hotel accommodation: starting from IDR 400,000 per night

Public bus: starting from IDR 3,500 per ride

Airport transfer: starting from IDR 150,000

Balinese kebaya/traditional dresses: starting from IDR 100,000 per piece

Barong shirt: starting from IDR 30,000 per piece

Rattan bag: starting from IDR 100,000 per piece

Balinese spa kit: starting from IDR 100,000 per set 

Beer: starting from IDR 30,000 per can

Planning a trip to Bali? Read our Bali travel guides

  • Introduction
  • Common scams
  • Typical prices

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Marya Sutimi

Author - Marya Sutimi

Born and raised in Bandung, Indonesia, Marya is a travel blogger and freelance copywriter. She loves travelling as much as she enjoys staying in. When she’s not travelling, you can find her chilling at home or working on a project remotely.

Last Updated 6 July 2023

Taman Lumbini park from the height of the temple complex Candi Borobudur at sunrise in the fog.

Bali Holiday Secrets

Is it better to Take Cash or Credit Cards to Bali?

updated July 1, 2022, 5:34 pm 78.9k Views 13 Comments

One of the most common questions I get is about taking cash or credit cards to Bali on holiday. Many people are concerned that using a card at an ATM is dangerous because of the possibility of it being skimmed or swallowed, quickly ruining an otherwise great holiday. Bringing cash can also have its pitfalls unless you know how to navigate the wide range of options for changing money in Bali. Use this guide to manage your money during your holiday.

Is it better to take cash or credit cards to Bali?

Short answer, both. You can use credit cards in Bali at most hotels, restaurants and tour operators. However, getting around and experiencing Bali will mean you need local currency (Rupiah) as most smaller local businesses and markets don’t have EFT-POS machines.

Definitely bring cash with you. It’s best to bring large-denomination banknotes for exchanging into Indonesian Rupiah at one of the many money changers found all over Bali, but mainly in the tourist destinations of Kuta, Legian, Seminyak, Canggu, Ubud, Sanur and Nusa Dua.

Most major currencies are readily exchanged at money changers, including but not limited to AUD, CAD, EUR, GBP, HKD, MYR, NZD, SFR, SGD, THB, USD and YEN.

What currency is used in Bali?

The Indonesian Rupiah is the only currency accepted at all Balinese businesses. The larger hotels and tour operators may accept foreign currency but at an expensive premium .

I have written a comprehensive guide to Bali Currency including detailed descriptions of the banknotes, current exchange rates and a guide to what some basics cost when on holiday in Bali.

IDR100.000 is equivalent to around AUD$10. So remember, carrying around $300 in cash means around IDR3.000.000 Rupiah, which is quite a thick wad of banknotes.

You will need local rupiah for a wide range of occasions where credit cards aren’t accepted, like paying for parking with a 2.000 rupiah note (which is around AUD$0.20) or buying street food like the famous babi guling (Balinese roasted pork) for Rp30.000 (around AUD$3).

You are also best off taking cash to the markets for buying some of those genuine fake t-shirts, bags, hats and shoes along with the obligatory souvenirs for the family and friends back home.

And taxis only accept cash. Don’t forget to read my guide on how to catch a taxi in Bali and how much to pay.

Can I exchange cash at hotels?

Yes, you can at most hotels, but the premium for changing money at a hotel is usually very steep . Changing currency is a profitable revenue stream for hotels and bargaining for a better exchange rate is usually out of the question.

They often charge a transaction fee or commission on top of the uncompetitive exchange rate, so changing cash, particularly small amounts, is prohibitively expensive.

I highly recommend exchanging your cash for local currency at a reputable money changer.

Are money-changers safe to use in Bali?

Yes. Using money changers in Bali will get you the best exchange rate and value for money than any other method. The problem is that there are still many unscrupulous money changers looking to take advantage of unsuspecting tourists .

There are several reputable and trustworthy money changers in Bali and I highly recommend you read my article on how to exchange cash using local money changers .

There are many people who, unfortunately, do get ripped off because they use dodgy money changers in the many side streets and alleyways of Bali, particularly in Kuta, Legian and Seminyak.

If you follow my guide the risk of being ripped off is virtually nil .

Central Kuta Money Exchange, Jalan Kayu Jati - Bali Holiday Secrets

Where is the best exchange rate in Bali?

Without doubt, the most efficient and recommended method for exchanging your money for local Indonesian Rupiah is using the money changers. You can find money changers pretty much everywhere in Bali, although I recommend only using those who are on the trusted list of Bali Money Changers . In that article, I also cover which money changers to use and how to avoid the bad ones.

Exchanging cash for Indonesian Rupiah at a money changer will get you a better exchange rate than using a bank, withdrawing from an ATM, changing at a hotel or using the exchange booths at your departure airport.

Are ATMs safe to use in Bali?

Generally, yes. There are ATMs all over Bali, although there is a continuing problem with skimming machines being used by criminals to capture your card details and either on-sell them or use the cards for purchases.

money travel card bali

Knowing how to spot an unsafe ATM is easy enough, and I have written an extensive guide for withdrawing cash at ATMs in Bali . Using this guide your chances having your credit card skimmed while using an ATM is virtually nil .

Use ATM's Safely - Bali Holiday Secrets

What credit cards are accepted in Bali?

For businesses that do accept credit cards for transactions, Visa and Mastercard are universally accepted .

Expect to pay a 3% surcharge for using a credit card at businesses in Bali, as the practice of passing on the transaction fee charged by the banks for processing credit card transactions is very common .

There is a growing trend to not charge a credit card fee for purchases, but these are still the exception and not the rule. The very popular Bintang Supermarket in Seminyak recently ceased charging a 3% fee for using a card.

The practice of adding a credit card transaction fee is not regulated in Indonesia (and therefore Bali), so it is unpredictable which businesses will charge extra for using a credit card .

Can Debit Cards be used in Bali?

As a rule of thumb, Visa and Mastercard Debit cards are processed exactly the same as Credit Cards. However plain debit cards not linked to one of Visa or Mastercard are not accepted.

It’s the same for using ATMs — accounts linked to a Visa or Mastercard can access savings and checking accounts if these are enabled by your home bank.

It’s an easy thing to verify. If you can access your savings and checking accounts in your home country using your Visa or Mastercard then you can do the same in Bali at ATMs.

The exception is that most restaurants and hotels only accept a credit or debit transaction linked to your credit card.

Are US Dollars accepted in Bali?

US dollars are not generally accepted at Balinese businesses . Some larger hotels and tour operators may accept US Dollars as payment but the exchange rate will be terrible, so I don’t recommend using them to exchange your foreign currency if it can be helped.

You are much better off visiting a money changer and exchanging your US dollars for Indonesian Rupiah at a far better rate than you will get from a hotel or tour operator.

Is American Express accepted in Bali?

No. American Express is not generally accepted in Bali . Some international hotel chains will accept American Express but outside those few places, Amex is not accepted in Bali . Stick to Visa and Mastercard, both of which are generally accepted everywhere that takes credit cards.

Are traveller’s cheques accepted in Bali?

Yes. Money changers, in general, will exchange travellers’ cheques for local currency , but the rate is not as good as exchanging cash for Indonesian Rupiah.

Outside the international hotels, no businesses will accept travellers’ cheques as payment . You will need to exchange your traveller’s cheques for Indonesian Rupiah at a money changer. Most shops and businesses don’t accept them as payment.

Great advice!

This really has helped me plan my family's holiday so much Michael. I used to just change traveller's cheques or cash at the hotels I stayed at and I knew it was expensive but I didn't trust using money changers or ATMS. Now I know! I'm sending this to all my friends. Thank you again, it really is a wonderful resource.

What’s the best travel card to use in Bali?

Without a doubt, the Transferwise Debit Card is the best card for travelling anywhere, not just in Bali. I have been using Transferwise to transfer money between different currencies for several years, and they have the best exchange rates of any financial institution, and definitely far better than your bank or even your bank-issued travel card.

You can move money from your home bank account into your Transferwise account and move it between 59 currencies at the most competitive exchange rates I’ve ever seen for foreign currency transactions.

Transferwise Debit Card - Bali Holiday Secrets

You can then spend in those currencies when on holiday. For example, while in Bali, you can move money into Indonesian Rupiah within your Transferwise account, and spend in Rupiah while in Bali with no fees or transaction charges, exactly the same as if you were using a local account .

You can read more about the Transferwise Debit Card here .

money travel card bali

13 Comments

Hi Michael, I am using Australia’s no international fees debit card. The exchange rate is visa exchange rate. I would like to confirm the both Wise card and my debit card is same good exchange rate. is Right?

Thanks! Ming

They both should be almost the same.

Safe travels, Michael

Hi – Can you use the Chase debit card / app in Bali please

Hi Miranda,

You should be able to use your Chase card in Bali. But I do recommend that you notify them first as some visitors have spoken about temporary blockage when attempting to use their Chase card here. A short call with Chase rep should get you sorted out and ready to go.

Can I use the Transferwise card for my hotel?

Hi Derrick, you can use it anywhere they accept credit or debit cards.

Just returned from a trip to Bali, and tried three methods of spending/changing money: 1) Using a Credit Card that does not have a forex fee (28º card and Commbank Ultimate card) 2) Withdrawing Cash from an ATM (Mandiri) using a Citibank savings card. (no forex fee and no ATM fees) 3) Changing Aussie Cash with money changers. For the weekend that we were there, the worst rate (9800-9900) was with the money changers. The Credit cards and ATM withdrawals rate were better (10276, all were identical). In future, while I will take Aussie cash with me ‘just in case’, I will use a CC where I can, and Withdraw cash from ATM when I need cash. Hope this helps others.

Thanks Lionel

However I cannot recommend using ATMs despite the listed alternatives. Ccurrency cards frequently don’t work for observed travellers . ATM card skimming and phishing which happened to me after years of travelling and living in the FarEast and Asia has only happened in Bali – nowhere else. I am very careful but they got me. Not using atms ever again except inside banks in an emergency!! Cash in a hotel safe is the go.

Hi Padge – thanks for your comment but I don’t agree with you at all. I’ve been using a multicurrency card ( Wise ) in Bali and throughout Asia for years and wouldn’t travel without it. And the whole point of my post about ATMs is to advise which ATMs to use to avoid being scammed or skimmed. Again, I’ve been using both a multicurrency card and my local debit card in ATMs for years without incident by following my own advice – specifically, I only use ATMs attached to a bank branch which has 24-hour security and no risk of being compromised.

We have just completed our holiday in Bali and found the following:

The easiest access to IDR currency is to exchange cash for IDR currency in Bali. Whilst not advisable to bring larger amounts of cash, it is the best value wise way to get local currency. Shop around for best rate but currently it is 940,000 rupiah for 100 AUD. Most exchange businesses don’t charge commission but if they do, they quite often display a better rate and then the final result is less then the majority of exchangers! Also check your notes carefully, make them count it out in front of you before you leave! Second best access to currency is a travel card because when you withdraw cash using your usual bank card in an Atm you get charged up to $15 per withdrawal and most atm have a small cash withdrawal limit such as 150,000 rupiah. The largest atm withdrawal limit we found was 300,000 rupiah. On top of the withdrawal fee is the exchange rate so in your country it won’t be as good a rate as in Bali and that is what it is calculated on – your banks rate of the day! With a travel card there are no fees except sometimes an Atm fee depending on type of Atm which is why it is a better option then your bank card!! Just a warning though if you top up your travel card before you leave with minimal funds, make sure you put enough in there to get through 3 days as that is how long it takes for funds from BPAY transfers to transfer from your bank account to the travel card!! Finally enjoy Bali, so much to do so much to see, all wonderful experiences and great value for money!! Barter Barter Barter!

Have an up & coming trip to Bali and found your site on line, the information i have gained will certainly help me on my trip. Thanks for all the excellent tips.

Hi Gerry, Thanks for the kind words, it’s very much appreciated.

If you would like to support my writing, you can book a day tour here .

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Bali Travel Money Guide

Find out all you need to know about the Indonesian Rupiah and how best to manage your money in Bali with our Bali travel money guide.

What is Bali’s Currency?

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Bali Buddies

Money Tips you should know

Commission rates, exchange rates, currency conversion and transaction fees can all add up to a lot of your travel budget. It pays to be organised with your money while travelling. There are some important things to know about using and accessing your money in Bali, and about the Bali currency. We have compiled all of the information, and best tips on how to both keep your money safe in Bali, and to get the best value out of your money while visiting Bali.

What Currency is used in Bali?

The Indonesian Rupiah is the currency of Indonesia. 

The currency code for Rupiahs is IDR, and the currency symbol is Rp.

Indonesian Rupiah

In Indonesia, you pay for everything primarily with 7 different denominations of banknotes.

The Indonesian rupiah is in increments of 1000, so you will often come across amounts in 10,000 denominations in Bali, which can be confusing sometimes.It is also good to know that the coins, because of their low value they are often not used for rounding amounts or returning change.

Notes of IDR:

–     Rp 1,000  (approx 10 cents AUD)    

–     Rp 2,000   (approx 20 cents AUD)      

–     Rp 5,000   (approx 50 cents AUD)        

–     Rp 10,000 (approx $1 AUD)      

–     Rp 20,000 (approx $2 AUD)      

–     Rp 50,000   (approx $5 AUD)      

–     Rp 100,000   (approx $10 AUD) 

Bali Insider tips:

*If on a menu for example you see that a burger is listed as “80”, check the fine print at the bottom of the menu. It will usually say, prices are listed in thousands of Rupiah, which means you times the number listed by 1000. The burger would be Rp 80,000 (approx $8 AUD). 

*Taxes are not included on menus and are added in the final bill. It is common for taxes to be up to 21%, so keep this in mind when ordering and when splitting bills. 

Change your cash money in Bali or Australia?

You will always get a better exchange rate if you wait to change your money once you land in Bali (or any country you are travelling to for that matter). If you are nervous about arriving with no currency you can always exchange a little amount of money before you leave for Bali (in Australia we recommend doing this at Australia Post as they have no fees). The worst exchange rates you will find at the airports, try not to change any currency at the airports as their exchange rates are always significantly lower than genuine money exchangers outside the airport.

When in Bali it is very important to only ever change your money at safe, well-known locations. Never be tempted by street money exchangers advertising a very high exchange rate. These peddlers are like magicians – they will literally make your money disappear before your eyes!  

BMC banks. Click here for LOCATIONS

Central Kuta Money Exchange Click here for LOCATIONS

Where to change money in Bali?

When you arrive at the airport after a long flight, it is tempting to exchange money as soon as you leave the airport. It seems to be the fastest and most convenient way, but it’s also very expensive. Money exchange offices outside of the Airport offer a much better exchange rate, which means you get more RP for your money.

Some banks offer currency exchange, but this is not as common as you might think, especially with the increasing trend of using cards abroad. Major banks such as ANZ and Westpac, for example, have stopped buying and selling cash abroad. Instead, they advise their customers to choose their prepaid travel money card (such as WISE or Revolut)  or recommend the use of credit or debit cards for payments abroad.

Money Exchanger

It is common for local money changers to display the daily exchange rates on white signs on the side of the street. They usually promote their business with slogans such as “Authorized Money Changer” or “No Commission”.

Some of our favourite places to exchange money are below:

Central Kuta Money Exchange – Click here for LOCATIONS

Are ATMs in Bali safe?

Card skimming is happening more and more all over South East Asia and there have been 1000s of reports of this happening in Bali also. If you are going to use an ATM machine in Bali be sure it is one in a very public area and preferably one that has a security guard or is in a bank, resort or shopping mall. Avoid using ATMs at Minimarts or Circle K’s or random locations on the street.

We also wrote a blog about common Scams in Bali (including ATM scams) – Click here to read it.

When using your bank card in Bali, also check with your bank before you leave your country about fees associated with withdrawing money internationally. The maximum amount you can withdraw at most Bali ATMs is 3,000,000 Rp (approx $300 AUD). This is why we recommend using a WISE or a Revolut card in Bali, rather than your traditional bank ATM card.

Using Bank Cards, Travel Cards or Credit Cards

Paying by card in Bali has become common practice in most restaurants and shopping malls, in fact even some of the more savvy market stores even accept cards these days. Taxis, small local restaurants (warungs), beach bars, and a lot of market stalls still only accept cash, so you are definitely going to always still have at least a small amount of cash on you in Bali.

Travel Crads in Bali

Pay like a local with amazing exchange rates, zero or super low fees and no fee ATM withdrawals overseas – does that sound amazing to you? This is why we recommend getting either a WISE or a Revolut Card (or be like us and have both!) before travelling to Bali. 

A travel card, or bank card offering currency buying and selling offers many advantages that you don’t have with a normal credit or debit card. 

Both WISE and Revolut cards are easy to set up prior to your trip. You can order a physical card to be delivered to your home address, and you can easily transfer your home currency into IDR with a click of your finger on your app. These two cards have the most favourable exchange rates, and lowest fees when it comes to using your card internationally. We love the security of these cards, and the fact that you can see every transaction on your app, and control all of your security settings on your app too. We literally would not travel anywhere without these cards these days, they make managing your money abroad a breeze. 

Set up your WISE account here

How much to pay for things in Bali

The prices in Bali depend very much on the location and the season.  It also depends on your personal preferences when it comes to food, accommodation and activities.

Transport & Short Term Scooter Hire in Bali

The quickest & cheapest way to  get from a to b in Bali, the best way to get around is by scooter, but you need to ensure you are properly licensed and insured to do this in the case of an accident. 

There are different types of scooters, but most of them have 125cc and are able to transport 2 people. However, if you prefer a faster bike, you can rent anything from a 170cc scooter to a superbike.  We recommend you take a look at Bikeago, they have a great service and a large selection of bikes.

For holiday makers we recommend only renting scooters from trusted and authorised rental companies. Our personal favourite company is Bikago . They have fair pricing and exceptional service. 

Click here to check out their range of bikes & to get a quote

Bali Insider tip:

*If you are staying  in Bali long term, it makes sense to rent a scooter for a longer time period as the prices are significantly lower per day.

If travelling in a car or van is more your style, the most cost efficient way to get around in Bali is via the Grab app (in fact you can order rides in both cars and on the back of a scooter on the app).

We recommend linking your WISE or Revolut card to the app, so that payment is automatically debited from your card, this is far easier than having to pay in cash and dealing with trying to get change from the drivers. Cash payment is an option on the app though if you prefer. For day trips exploring the island, the most cost efficient way is to book a car via Klook . You can either choose to make your own itinerary for the day, or book one of their pre planned itineraries.

You can find a laundry service on almost every corner in Bali. The usual price is per kilogram and costs around 10,000 Rp ($1 AUD) to wash, dry and iron your laundry. They usually keep your laundry overnight, but you can find some express laundromats. 

When shopping in the supermarkets, you can often buy a shopping bag for a little money. They are not only large, but also sustainably produced, which makes them the perfect bag for storing your dirty laundry.

*If you have delicate items we suggest you wash your laundry yourself in one of the many self-service laundromats. You can find them easily across the island and they are very cheap.

Internet for your Smartphone

In these days of travel we always recommend having access to the internet on your phone. It’s handy for directions and using apps such as Grab to arrange your transport. There are several options when it comes to having access to the roaming data.

You can buy a tourist sim card for your phone at a very reasonable rate (a sim card with 20 Gb Internet costs around 200,000 rupiah – $20 AUD). We love the convenience of an e-sim though, that way you don’t need to worry about removing your physical SIM card, and you can still receive texts and calls on your main SIM card. We recommend using AIRALO as a travel eSIM with very reasonable rates!

Common money traps to avoid in Bali

  • You have not checked the fees and conditions of your credit card – Good planning before your trip can save you a lot of money, stress and surprises on your credit/debit cards.
  • Too much cash – and yes there is such a thing. In Bali you don’t need a lot of cash, you can get far without carrying a lot of cash around with you.
  • Not having any cash – it makes sense to always have a small amount of cash in your wallet.
  • You have used the ATM too often – If you go to an ATM to withdraw money, you should withdraw as large an amount as possible, this will avoid you paying too many fees for each transaction. 
  • Paying in foreign Currency – If you have the option when paying by card, you should always choose to pay in IDR. Foreign currency exchange rates can result in dynamic currency fluctuations, leading to higher conversion fees and lower exchange rates.

We hope these money tips help you make using your money in Bali a breeze and give you the best “Bang for your Buck!”. 

Bali Buddies Tips

  • Looking for the best flight deals to Bali? Compare prices on  Skyscanner
  • Need accommodation in one of Bali’s top hotels or resorts? Visit  Klook.com
  • If you prefer alternative accommodation, check out Bali’s stunning treehouses .
  • Want to explore Bali on a bike? Rent a bike via Bikago.
  • Accidents do happen. In case they happen to you, make sure you have a travel insurance. We recommend  Cover-More Travel Insurance .
  • Arrive without any hassle, book the Airport VIP Fast Track service and your airport transfer in advance.
  • Download the  Grab app . It's your reliable app for transportation, food delivery, and more.
  • Book your tours and activities prior to departure with  Klook
  • Need to transfer money without the huge fees then check out  Wise .
  • Always connected to WiFi? Buy a  Skyroam  hotspot.
  • Ensure your devices are secure with a  VPN .

More Travel Tips

money travel card bali

Medical and Emergencies

For your own safety, we’ve put together a list of what are undoubtedly the most important emergency contact numbers in Bali along with a whole list of hospitals and clinics.

money travel card bali

Travel Insurance

Going on a trip is always a fantastic adventure but better safe than sorry. Having travel insurance that includes coverage for medical bills in Bali is mandatory! It not only is useful against unforeseen medical expenses but also against other travel-related issues, such as the loss or damage of your luggage.

money travel card bali

Things to Avoid

Tourists are usually easy pickings, which is why you should keep an eye out at all times! Only transact with reliable money changers, be aware of potential card skimming and pick-pocketing, and learn to recognize banknotes.

money travel card bali

Babysitting Services

Bali is definitely kid-friendly and so, in every respect, it makes the perfect choice for a family holiday in a marvellous setting of sun and beach. Plenty of accommodation in fine houses and villas and babysitting services just right for your needs!

Privacy Overview

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The 5 Best Travel Cards for New Zealanders to use in Bali

Planning a trip to Bali? A travel card can make it easier and more convenient to spend internationally - and cut your costs, too. Pick the right travel card and you could get lower fees when you spend in a foreign currency, a better exchange rate, or rewards and benefits that help you do more.

Let’s dive into a deeper look at the best travel cards for New Zealanders to use in Bali.

  • Wise - our pick for travel debit card for Bali 
  • Travelex Money Card - prepaid card for Bali
  • Cash Passport - prepaid card option for Bali

hotpoints® World Mastercard - travel rewards credit card for Bali

  • American Express Airpoints Card - travel credit card option for Bali

Wise - our pick for travel debit card for Bali

If you’re thinking of a travel debit card to make spending in Bali easier, check out the Wise international debit card . You can open your Wise account online or with the Wise app, to hold and exchange 50+ currencies, including IDR easily and with the mid-market exchange rate.

There’s a one time fee of 14 NZD to get your Wise card , with no monthly charges, no inactivity fee and no minimum balance to worry about. Just top up in NZD, and either switch to IDR using the Wise app, or just let the card convert for you at the point of payment. In either case you’ll get the mid-market exchange rate and low fees from 0.43%.

Click here read more on how Wise works

Click here to see the full list of cards and how Wise compares

money travel card bali

What are travel cards?

A travel money card is a card that’s been optimised for use when spending and making cash withdrawals while you’ve overseas.

Travel money cards include both debit cards or credit cards, with features and fees which can vary quite widely. If you’re in the market for a debit card for your next trip, you may benefit from a specialist card which lets you hold multiple currencies, with low fees and - often - no ongoing charges. If you’d like to spread the cost of your travel out over a few months you might prefer to get a travel credit card. In this case there may be fees or interest charges to pay, but some travel cards also offer opportunities to access rewards and travel perks like lounge access.

Whichever type of card suits your needs, you can use your travel card to tap and pay in stores when you’re overseas, and to make cash withdrawals in local currency wherever you are. Let’s look at some good cards to consider for your trip, next.

Related: Everything you need to know about International Debit Cards

5 travel money cards for Bali compared

To start off, let’s look at 5 different travel cards offered for New Zealanders, and some of the key fees you should know about. We’ll look at these cards in more detail later.

In general, travel debit cards can come with lower overall fees, while travel credit cards offer better reward earning opportunities. Which card is best for you will depend on your personal preferences and how you like to manage your money. We’ll walk through each of these cards in more detail in a moment, so you can see if any suit your needs.

What are the different types of travel cards?

The best choice for you depends on what you'll be using it for, whether that's taking out cash, making card purchases or transferring Indonesian rupiah to a local bank account.

Broadly speaking, you can split travel cards down into 3 different types - each of which have their own distinct features, advantages and drawbacks:

  • Travel debit cards
  • Prepaid travel cards
  • Travel credit cards

Let's have a look at our top picks for the three best travel cards for New Zealanders heading to Bali.

Travel Debit Cards

Travel debit cards are generally offered through specialist online services, and linked to multi-currency accounts you can use to hold and exchange all the currencies you’ll need for your trip to Bali - and for future travel elsewhere, too. As a debit card you won’t need to worry about interest charges - just top up your account with the money you want to spend while you’re away, and use your card as you would at home, for convenient payments and withdrawals.

Debit cards offer the convenience of a credit card, but work differently. They draw money directly from your bank account when you make a purchase. It's designed for everyday money transactions and means that you're not accumulating debt.

A debit card could make it easier to stick to your travel budget, because you can't overdraw money from your account. Some travel debit cards also let you buy the currency you need for travel in advance, so you can convert when the rates are good, and hold a balance until you travel.

Generally, it makes sense to have the combination of a travel debit and travel credit card for safety, flexibility and convenience on your trip. That way you should always have easy access to IDR to pay your way while you’re in Bali.

Wise - travel debit card for Bali

The Wise travel debit card is linked to a multi-currency Wise account which can hold 50+ currencies - making it a great pick for your travel to Bali, and wherever else you might venture. Ordering a Wise card is easy and you can set up an account, get verified and add a balance all using nothing more than your phone. You’ll have access to a virtual card for online and mobile payments as soon as you’ve ordered your physical card, and your physical card will arrive in the post soon after.

Wise uses the mid-market exchange rate for all currency conversion, with low fees from 0.43%. There’s no foreign transaction fee to pay, and it’s free to spend any currency you have in your account - plus you’ll get some fee free ATM withdrawals every month for those times only cash will do.

  • Hold and exchange 50+ currencies with the mid-market exchange rate
  • Convert currencies in advance of travel, or let the card convert at the point of payment
  • Free to spend any currency you hold in your account
  • No ongoing charges, inactivity fees or minimum balance requirements
  • Low, transparent fees based on how you use your card
  • Variable currency conversion fees apply
  • Some ATM charges apply once you’ve exhausted your fee free limits

Read our full Wise review

money travel card bali

Prepaid Travel Cards

For prepaid cards, you're able to load the card with a set amount of money in the currencies you need. Ideally you do this before your trip, but often you can reload them as well.

Most prepaid travel cards allow for multiple currencies to be loaded onto the card. So it's important to know what currency you'll be using on your travels. Airlines also offer prepaid cards so the money you spend can earn you reward points.

With prepaid travel cards you need to be careful. They can have numerous fees and charges, which can make it more expensive than other options. But if you're organised and travelling to multiple cities a prepaid travel card is a good option.

Travelex Money card - prepaid card for Bali

The Travelex card can be used to hold, spend and withdraw 9 currencies. However, IDR isn’t supported for holding. While you can still spend with your Travelex card in Bali, it’s worth knowing that a conversion fee of 4% will apply.

The Travelex card has no ATM fee when you make a cash withdrawal, and it’s also handy because you can pick one up in minutes in a Travelex store. Just order online to get a travel card for next day collection, or call into a store with your ID and proof of address, to get one there and then.

  • Supports 8 currencies you can manage and load online
  • Order online or in person, or walk in and collect in a store 
  • No Travelex international ATM fees and no transaction fees to spend currencies you hold
  • Preferential foreign exchange fees when you convert currencies in your account 
  • Fees apply if you reload the card in New Zealand dollars
  • Inactivity fees apply
  • 4% fee if you’re spending an unsupported currency, or if you don’t hold enough balance in the currency you’re using

Travelex Travel Money Card

Cash Passport - prepaid card for Bali

Order your Cash Passport before you travel, to hold, spend and withdraw 10 currencies, including IDR. Just add money to your card in NZD and switch over to IDR before you travel. If you don’t hold the balance you need for your overseas spending, a conversion fee of 5.95% will apply.

The Cash Passport can hold, spend and withdraw 10 currencies. However, IDR isn’t supported for holding. That means that when you spend or withdraw with your Cash Passport in IDR, a conversion fee of 5.95% will apply.

The Cash Passport is issued on the Mastercard network for global acceptance - and you can easily order your card online, or pick up in person through select retailers.

money travel card bali

Pros and cons of using prepaid travel cards in Bali

  • Order online or pick up in store, depending on your preference
  • Add funds in NZD and convert to the currency you need in advance of travel
  • Not linked to your normal NZD account, adding a layer of security
  • You may be able to top up your account digitally while you’re away
  • Multi-currency holding options
  • Not all cards support all currencies - fees can apply when spending an unsupported currency
  • Inactivity and top up fees can apply

How to choose the best travel prepaid card for Bali?

Travel prepaid cards can have foreign transaction fees when you spend in a currency you don’t hold in your account - either because your balance doesn’t cover the spending, or because the card can’t hold the specific currency. As these foreign transaction fees push up overall costs significantly, it’s useful to look for a prepaid travel card which can support Bali if you’re about to travel to Bali, to make your money go further when you’re there.

Is there a spending limit with a prepaid card in Bali?

Prepaid cards do typically have spending limits, which can vary depending on the provider and the types of spending. You may find you have a limit to the amount you can withdraw at an ATM for example, as well as a limit to the value of POS payments you can make daily. Check your preferred card’s terms and conditions to learn more.

Travel Credit Cards

Travel credit cards can give you longer to pay back what you've spent - but there will be interest to pay if you don’t clear your bill promptly.

The main advantage with credit cards are the reward points you get in return for your customer loyalty when you spend. This can mean getting cashback, or using your points to offset fees and future purchases, or even to trade in for hotel rooms or flights.

Credit cards are great to use for car hire, restaurants and accommodation - larger expenses that are easier for you to pay back over time. Some services only take credit cards to hold purchases so they can definitely be handy while you're travelling.

If you’re looking for a way to spread the cost of your trip over a few months, and don’t mind paying interest charges, a travel credit card could be the right pick for you. There are quite a few different travel optimised credit cards available for customers in New Zealand, which may offer opportunities to earn rewards when you spend and travel, or travel perks like free insurance or lounge access.

Features and fees do vary widely, and eligibility requirements are usually in place, including a credit check - so do compare a few before you pick one. We’ve got the lowdown on one popular travel credit card coming up, to kick off your research.

  • Earn points as you spend on your card, which you can redeem later
  • Get 120 days travel insurance, and some lounge access perks
  • Spread the costs of your purchases and travel 
  • 285 NZD annual fee plus variable interest if you don’t pay your bill in full
  • 1.95% foreign transaction fee when you spend or withdraw in a foreign currency 
  • Higher rates of interest for cash advance - including if you make an ATM withdrawal 

money travel card bali

American Express Airpoints - Travel credit card for Bali

Airpoints is the Air New Zealand loyalty and rewards programme - and includes ways to boost your points with credit card spending. The American Express Airpoints Card has no annual fee and allows you to earn one Airpoints dollar for every 100 NZD spend. You can then use your Airpoints dollars to fund your travel spending, or to shop online at the Airpoints store.

If you’d rather earn rewards faster, there are also different Airpoints cards which come with annual fees but which accrue points at a higher rate. Just bear in mind that overseas spending comes with a 2.5% foreign transaction fee, which can push up costs. Weigh up the benefits you’ll get against the potential fees before you sign up.

money travel card bali

Pros and cons of using credit cards in Bali

  • Convenient and easy to use
  • Earn rewards as you spend, such as air miles and cash back
  • Issued on globally accepted payment networks
  • Variety of different cards available depending on your personal needs
  • Safe to use, often with extra protections on spending
  • Interest charges apply if you don’t repay your bill in full every period
  • Other fees can apply including annual fees and foreign transaction fees

How to choose the best travel credit card for Bali?

Getting the best travel credit card for Bali will be a question of your personal preferences and needs. One thing to watch out for is the fees you’ll pay to unlock travel credit card benefits. Look at the annual fees, interest and any foreign transaction fees in particular, and weigh these costs against the reward earning opportunities to make sure you get the best balance for your spending.

Pros and cons of travel debit cards

Travel debit cards can certainly be a handy tool when you travel or shop internationally. But they’re not perfect and they’re not your only option. If you’re not sure what type of card will suit you, check out these pros and cons of travel debit cards to help you decide:

  • Many travel debit cards come with lower overall foreign currency costs, or easy ways to earn rewards as you spend overseas
  • Some cards have linked multi-currency accounts you can use to hold major currencies
  • Easy to budget with a debit card - no late fees, penalties or overdraft charges, just spend to the card balance
  • Most cards let you manage them on an app, convenient when you’re overseas
  • Different cards have their own features, and some can come with quite high fees for certain transaction types
  • Not all cards support all currencies - check the currencies you need are supported before you order
  • You may pay an upfront fee to get your card
  • Debit cards aren’t always accepted - if you’re paying a deposit for example, a credit card may be required

Dedicated travel cards are a good way to spend and make cash withdrawals in Bali. By picking a card on a globally recognised network you’ll be able to tap and pay - or make cash withdrawals in Bali - just as easily as you would at home. And, depending on which card you pick, you may get lower overall costs or options to earn rewards and air miles as you spend.

Compare a few travel cards for Bali before you pick the right one for you, including the Wise card if you’re thinking of a multi-currency debit card option, or the Travelex card if you need a prepaid card with no ATM fees to pay.

FAQ - The Best Travel Cards to Use in Bali

What currency do they use in Bali?

The official currency in Bali is Indonesian rupiah. Before you travel, plan how best to manage your travel money, which could be to hold a little cash, and have a travel debit card or credit card for spending and withdrawals once you arrive. 

What are the best travel cards to use in Bali?

There’s no single best travel card for Bali. Which works best for you will depend on whether you’re looking to hold a currency balance, cut your overall costs, earn more points, or access other account features like local currency receiving accounts. The good news is that there are plenty of options on the New Zealand market to pick from - use this guide as a starting point to find the right one for you.

Can I exchange cash at the airport?

It’s usually possible to exchange cash at the airport - but you might find you pay a higher overall fee, including a currency exchange markup, if you do. Passing trade and a captive market usually mean airport currency exchange kiosks have pretty poor rates compared to alternatives - you may find you’re better off withdrawing some cash in the airport you arrive into, or getting a travel debit card to see you through your travel.

Can you withdraw cash with a credit card in Bali?

You can generally withdraw cash with a credit card in Bali, at any ATM where your card’s network is accepted. However, bear in mind that fees may apply, including charges from your card issuer, and from the ATM operator. Using a travel debit card, such as the Wise card, which has some fee free ATM withdrawals every month, can often be cheaper than using a credit card as you’ll avoid cash advance and interest charges

Do I need a card for overseas trips?

It’s a good idea to have a card for overseas trips so you don’t need to carry a large amount of cash with you when you head overseas. Choosing a specialist travel debit card can also mean you cut the costs of currency exchange and pay less overall for your foreign currency spending.

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Bali Currency 101: Understanding the Rupiah

Nestled in the heart of Indonesia, Bali beckons travellers with its lush landscapes, vibrant culture, and enchanting traditions. As you embark on a journey to the “Island of the Gods,” understanding the local currency becomes an essential aspect of ensuring a seamless and enjoyable experience. In this guide, we delve into the intricacies of currency in Bali, shedding light on the official tender, practical tips for managing your finances, and the cultural nuances that make the Balinese rupiah more than just a means of transaction.

Table of contents

What is the currency used in bali, rupiah notes, rupiah coins, what currency should you carry to bali, how much do things cost in bali, money-changers in bali, using you bank credit or debit card in bali.

Join us as we navigate the diverse facets of currency in Bali, providing you with insights to make the most of your financial endeavours while immersing yourself in the unique charm that defines this captivating destination. Welcome to the world of Balinese currency – where every note carries a story and every transaction is a gateway to the island’s rich tapes.

The official currency used in Bali is the Indonesian Rupiah, abbreviated as IDR and symbolized as Rp. When quoting prices in Indonesian Rupiah, it is common to see the thousands implied, meaning that for example, when a price is written as “10.000” it actually represents 10,000 Indonesian Rupiah. Prices in Bali are typically represented with a comma separator for thousands and a period for decimals, so for instance, 100,000 Indonesian Rupiah would be written as “100.000”. When dealing with the currency, it is important to be aware of this convention to avoid confusion. Overall, the Indonesian Rupiah is the main currency used in Bali and is denoted by the abbreviation IDR and the symbol Rp.

Denominations of Rupiah

The Indonesian rupiah is the official currency of Indonesia and is known for its denominations ranging from small coins to larger banknotes. These denominations of rupiah are in use throughout the country and play a crucial role in the everyday transactions of the Indonesian people.

Understanding the denominations of rupiah is essential for anyone visiting or doing business in Indonesia, as it allows for a better grasp of the local currency and its usage in various contexts. Whether you’re a traveller, a businessperson, or simply curious about Indonesian currency, this article will provide valuable insight into the denominations of rupiah and their significance in daily life.

The seven major banknote denominations in Indonesia are 1000, 2000, 5000, 10,000, 20,000, 50,000, and 100,000 Rupiah.

The latest series of banknotes was released in 2016, and notes come in denominations of 1000. It is advisable to be cautious when handling amounts of 10,000 Rupiah as counterfeit notes are common. Always ensure the authenticity of the notes when conducting transactions.

The Rupiah coins in Indonesia come in denominations of 50, 100, 200, 500, and 1000. The Bali currency coins are made of either bronze, nickel or aluminium. These coins are not commonly used in everyday transactions but are still in circulation. The 1000 coin is the most commonly used and is worth approximately 7 US cents.

However, caution should be taken when using coins in busy markets as they are often overlooked and mistaken for smaller denominations. It is advisable to count your change carefully to ensure that you are receiving the correct amount. Despite their limited usage, Rupiah coins are still accepted as legal tender and can be used in smaller transactions.

When traveling to Bali, it’s essential to consider the best currency to take with you to ensure smooth transactions and favorable exchange rates. While the Indonesian Rupiah is the official currency in Bali, it’s also important to consider the convenience and accessibility of other currencies, as well as the potential for better exchange rates.

In this guide, we’ll explore the best currency options for travellers heading to Bali, taking into account factors such as exchange rates, fees, and accessibility. Whether you’re planning on using cash or cards, understanding the best currency to use in Bali will help make your trip more efficient and cost-effective.

In Bali, the average cost of food can range from $1.50 to $10 for a meal, depending on whether it is street food or at a mid-range restaurant. Transportation costs vary, but a one-way ticket on local transportation can be around $0.30, while renting a scooter can cost between $5 to $10 per day. Entertainment activities, such as visiting a temple or taking a surf lesson, can range from $5 to $50. It’s important to note that taxes and service charges are often added to restaurant bills, typically around 10% and 5% respectively. Overall, the cost of living and traveling in Bali is relatively affordable, with plenty of budget-friendly options available for food, transport, and entertainment.

What is the Best Way to Take Money to Bali?

When traveling to Bali, there are several options for taking money to ensure a convenient and cost-effective experience. First, it’s advisable to exchange some cash for Indonesian Rupiah upon arrival at a reputable exchange service. Another option is to use credit or debit cards, but it’s essential to be aware of potential charges and fees associated with international transactions. Opening a free account with fee-free banks like Revolut and Monzo or considering specific travel cards can be a good alternative to traditional banking and may offer better exchange rates.

For debit/credit cards, it’s crucial to inquire about foreign transaction fees and currency conversion charges. When it comes to the best currencies to bring, US dollars and euros are widely accepted and can be easily exchanged in Bali.

To make the most of your money in Bali, it’s advisable to practice smart financial behaviours such as bartering for goods and services and using two stashes for small and large purchases to avoid flashing large amounts of cash. By taking these measures, you can make your money go further and have a hassle-free experience when managing your finances in Bali.

In Bali, authorised money changers with proper signage, security cameras, and money counting machines can be found in various popular areas. In Kuta, visitors can find reputable money changers along Jalan Legian and Poppies Lane. In Seminyak, authorised money changers can be found in the main shopping areas and along Jalan Raya Seminyak. In the vibrant area of Legian, money changers with proper facilities are located along the main streets and near popular tourist spots.

In Canggu, visitors can find authorised money changers with proper facilities in the main commercial areas and near popular restaurants and cafes. In Sanur, reputable money changers can be found in the main shopping and dining areas, offering a convenient option for visitors staying in this coastal town. In Ubud, visitors can find authorised money changers with proper facilities in the main tourist areas and near the popular Ubud market.

It’s important to look for authorised money changers that display proper signage, have security cameras in place, and use money counting machines to ensure a secure and reliable exchange process. Visitors should always be cautious and exchange money at reputable locations to avoid any potential scams.

When traveling to Bali, it’s important to understand the best ways to use your bank or credit card to access money and make purchases. With a variety of ATMs available throughout the island, as well as opportunities to use credit cards in many establishments, it’s crucial to be aware of any potential fees or exchange rates that may apply. By understanding the options for using your bank or credit card in Bali, you can make informed decisions and ensure a smooth and convenient financial experience during your travels.

If you find yourself in the unfortunate situation of losing your bank card in Bali, it’s important to take a few immediate steps to protect your finances and prevent any fraudulent activity. The first thing you should do is contact your bank as soon as possible to report the loss of your card, cancel it, and request a replacement. This will prevent anyone from using your card to make unauthorized transactions.

In addition to this, it’s essential to keep a close eye on your bank statements for any suspicious activity. If you notice any unauthorized transactions, report them to your bank immediately. To avoid any inconvenience while waiting for a new card, consider using alternative payment methods such as cash or mobile payment options.

By following these steps – reporting the loss, canceling the card, requesting a replacement, monitoring your statements, and using alternative payment methods – you can minimize the risk of financial loss and protect your account from unauthorized use.

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The official currency in Bali, as in the rest of Indonesia, is the Indonesian Rupiah (IDR).

While it’s possible to exchange currency before arrival, it’s generally convenient to do so locally in Bali. Money changers and banks are prevalent, especially in tourist areas.

Major credit cards are accepted in many establishments, especially in popular tourist areas. However, it’s advisable to carry some cash for places that may not accept cards.

Use reputable money changers or banks to exchange currency. Be aware of the current exchange rates and check for any fees or commissions applied during the exchange.

There are no strict currency restrictions for tourists entering or leaving Bali. However, there are limits on the amount of cash you can carry without declaring it at customs.

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Gloria Mathew is passionate SEO content writer with a knack for crafting, engaging, informative, and search-engine friendly content. While she may not ride the waves herself, Gloria’s love for storytelling and travel has naturally led her to the world of surfing and tourism. With a background in Journalism and Market Research and a profound appreciation for travelling, Gloria’s writing has the ability to make readers feel like they're right there on the beach, catching the waves or sipping a tropical drink at a surf camp.

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Currency in Bali: A Full Guide [2023]

money travel card bali

The official currency in Bali (and all of Indonesia) is Indonesian Rupiah (IDR). In this article, we’ve put together everything you need to know about Indonesian Rupiah and share some tips on how to get the best deal on your conversion from AUD to IDR.

Before you head to Bali, learn about:

  • Using a Card in Bali
  • Can you use Australian Dollars in Bali?
  • How to buy Indonesian Rupiah before your trip
  • How to buy currency when you get to Bali
  • What Indonesian notes and coins look like

What currency is used in Bali?

Bali is part of Indonesia, and so the official currency there is Indonesian Rupiah. Indonesian Rupiah is shortened to the code IDR online and in currency exchange offices, and you’ll often also see it written as Rp on menus and in stores.

Can you use Australian dollars in Bali?

No, you can’t.

While we travel to Bali and Indonesia very frequently, you cannot use Australian dollars in Bali. Just like you can’t use Indonesian Rupiah here! The rest of this article has some information about how you can convert currency for your holiday.

money travel card bali

Using a card in Bali

Using a travel money card to spend and make cash withdrawals in Bali can be convenient and safe. You won’t need to carry around all your holiday money in cash, and the fact your travel money card isn’t linked to your normal AUD everyday account can also add an extra layer of security.

Travel money cards are available from banks and specialist digital providers, and often offer the option to hold a broad range of currencies for convenient spending in Bali and beyond. However, fees usually apply to some transactions, including some charges when you switch currencies from AUD to the local currency in your destination. You’ll need to weigh up a few different options to find the travel money card that’s right for you – we’ll cover a couple to consider, next.

Wise travel debit card

money travel card bali

  • Currency exchange uses the mid market rate with low fees from 0.43%
  • Accepted in 170+ countries , including Indonesia , wherever the card network is supported
  • If you don’t have the balance you need, your card will switch to the local currency automatically at the point of payment
  • Physical and virtual cards available
  • 10 AUD fee to get your card
  • Some ATM fees apply once fee free withdrawal allowance is exhausted
  • Variable currency conversion fee

money travel card bali

Go to Wise Read the full review  

Revolut travel debit card

  • Hold and exchange 25+ currencies
  • Some free currency exchange every month
  • Globally accepted wherever the network is supported
  • Pick the account plan to suit your usage and needs
  • Monthly fees apply to higher tier accounts
  • IDR not supported for holding
  • Fair usage and out of hours fees may apply, depending on how you use your account

money travel card bali

Go to Revolut Read the full review  

Is it cheaper to convert currency in Australia or Bali?

Because exchange rates change so frequently, and every provider offers different rates it’s hard to say the cheapest way and place to exchange currency.

Having said that, because Bali sees so many Australian tourists every year it is one instance where you might find you’re better off if you exchange your currency when you get to Bali. Get familiar with the exchange rates offered locally to you, and online, so you can decide whether it’s worth switching some funds in advance of travel, using a card to pay while you’re away, or converting cash on arrival.

Both in Australia and in Bali, steer clear of exchanging currency at the airport. A captive market means that rates are often worse in the airport than in city centres.

To find the best place to buy IDR, you can read our guide here .

Buying Indonesian Rupiah before your trip

If you want to set your travel budget in advance, you may prefer to buy your IDR before you leave home. Here are a few options you might consider.

Using a travel card

Order a travel card online or in a store for your trip to Bali , depending on the provider you pick, and top up in either AUD or IDR before you travel. Your exact options will depend on the specific card, as holding a balance in IDR isn’t always available. However, a travel card can still be convenient and secure. Just tap to pay in stores, and take out cash as and when you need it, rather than carrying all your travel money with you on departure.

Check out Wise as a travel card you can use to hold and exchange IDR with low fees and the mid-market rate – or try Revolut as a convenient card you can top up in AUD and use in Bali easily.

This is a convenient way to buy currency but you need some time. You can choose where to pick the order up from, and in some instances can get home delivery. When you order with Travelex , you can choose to order cash, a prepaid Travelex Money Card or both!

Collect at a Travelex store or airport

  • You can pay by Bpay, card or PayID
  • Online rates can be better than in-store rates
  • Pick up at a broad selection of locations including airports

Click here to see the full list of cards and how they compare

Money Changers

Going to a money exchange office can be a quick way to get your hands on foreign currency cash. Exchange rates and fees do vary widely, so you’ll need to shop around. Watch out in particular for exchange services which state there’s no commission, as the costs may simply be added into the exchange rate being used instead.

Find some of the best currency exchange options by location, here .

Some banks offer currency exchange, but it’s not as common as you might think, as so many people have moved over to card usage overseas. Major banks like ANZ and Westpac, for example, no longer sell or buy foreign cash. Instead, they refer customers to their prepaid travel money card, or suggest you use your credit or debit card to pay when abroad.

Yes, you can buy currency at the airport. But that doesn’t mean you should. While it’s convenient, it’s also very expensive. If you have run out of time before your trip, you might find you get a better rate and lower overall costs if you make an ATM withdrawal on arrival in Bali instead.

How to exchange currency in Bali

If you decide to buy your currency when you get to Bali, the first thing you’ll need to do is make sure you have Australian dollars in cash. This way you can exchange it when you get there.

Similar to in Australia, it’s best to avoid buying currency at the airport or your hotel, and better to head to a busier area where competition can push prices down.

There are many money exchange booths you will find in the streets of popular areas. Just make sure you’re careful counting what they give you.

What is the currency of Bali?

Let’s walk through the cash notes and coins you’ll find in circulation in Bali so you’re prepared.

Denominations of Rupiah

Whether you change money in advance, on arrival, or simply use your card to pay when you’re in Bali, you’ll soon become familiar with the notes and coins you’re handling.

Indonesian Rupiah notes are very different to our currency in Australia. They are made up of:

Rp2,000, Rp5,000, Rp10,000, Rp20,000, Rp50,000, Rp100,000.

There are quite a few coins in Indonesian currency. The coins in circulation in Indonesia are:

Rp50, Rp100, Rp200, Rp500, Rp1,000.

How much does a trip to Bali cost?

A trip to Bali could mean anything from a homestay in the hills, to enjoy peace, yoga and some gentle hikes, through to a high end beach hotel for the sunsets, cocktails and surf. The good news is that this means there’s something in Bali for every budget. Here’s a brief outline of the typical costs to help you plan.

  • Visa cost: Visa on Arrival for trips of 30 days or less, 50 AUD
  • Transport in Bali: Local bus journeys are under 0.5 AUD
  • Taxi: Around 1 AUD per kilometre – Grab (Asia’s Uber) is also available
  • Car hire: from around 65 AUD/day
  • Room at a hotel: Very varied based on hotel class
  • Dinner at a mid- range restaurant: 2 people can eat a 3 course meal for around 35 AUD or less

Read 8 travel traps to avoid if you’re heading to Bali

Track AUD-IDR exchange rate

Before you travel to Bali it’s worth getting to know the exchange rates you can expect when you’re there. While rates move around all the time, the mid-market exchange rate for your currency pair is always a good place to start. It’s the rate that banks and currency exchange services get when they buy and sell currencies on global exchanges, so a good benchmark.

Get the Currency Shop’s exchange rate tracker so you can keep an eye on mid-market AUD/IDR rates and make your money work for you in Bali.

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Using a credit card in Bali 2024

Whether you're headed to the beach or the market, here's everything you need to know about using a credit card in bali..

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Compare cards with fee-free currency conversion in Bali

Currency and exchange rates, what about fees, cash machines in bali, is it safe to use my card in bali, how to prepare before travelling to bali, bottom line.

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How we chose these cards

Abundant in natural beauty and native culture, exploring Bali is a popular choice for holidaymakers and adventurers alike. If you’re planning to visit, you might be wondering whether you can use your credit card while exploring the bustling marketplaces and picturesque beaches.

Luckily, in Bali, you can. Most large vendors allow you to pay with a debit or credit card, but you may struggle with some smaller stores. So it’s a good idea to have some cash on you just in case.

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Approval for any credit card depends on your status. The representative APRs shown represent the interest rate offered to most successful applicants. Depending on your personal circumstances, the APR you're offered may be higher, or you may not be offered credit at all. Fees and rates are subject to change without notice. It's always wise to check the terms of any deal before you borrow.

The Indonesian Rupiah (Rp or IDR) is the official currency of Bali. Transactions are most often made in IDR when you use your credit card. However, some merchants catering to international visitors may offer the option to pay in pounds sterling or other major currencies. It’s important to understand the exchanges rates and any fees associated with using your credit card for foreign currency transactions.

Before travelling you must understand the potential fees that you may be charged when using a card in Bali. Make sure you choose a credit card with no or minimal overseas transaction fees to avoid extra charges.

When using your card abroad, many credit card providers will charge an additional fee between 1% to 3% of your transaction. Again some credit cards have no foreign transaction fees so, depending on your card’s terms, you might want to consider switching cards – granted you meet the eligibility criteria.

Learn more about cards designed for overseas spending

Currency conversion fees

Currency conversion fees are another charge that can be associated with spending abroad. When exchanging money, providers can charge extra when you convert one currency into another. This is an addition to the foreign transaction fee you might already be paying.

Meanwhile, if a retailer offers to bill your credit card in sterling, dynamic currency conversion will also come into effect. Dynamic currency conversion includes an immediate conversion of the local currency into your home currency. Though convenient, this will give you a worse exchange rate than paying in local currency – so be sure to avoid this when given the choice.

Cash advance fees

A cash advance fee is charged if you use your credit card to withdraw cash via an ATM. The APR for cash advances tends to be higher than your purchase rate and interest will begin to accumulate immediately without the common ’55 days interest-free’ period. So be sure to check out some cards best suited for overseas spending, which might waive this fee.

The table below serves as an example of how much extra you may pay to use your credit card in Bali.

section of credit card summary box document

Additionally you can get an idea of costs by using these online currency conversion tools from Mastercard and Visa.

In Bali, cash is often preferred – especially when going to small marketplaces where you may end up haggling. Taxis in Bali also often only take cash.

ATMs are common around Bali and readily accept Visa and Mastercard credit cards. The best tend to be part of major bank branches. The most popular banks in Bali include BNI, BCA, BRI and Bank Mandiri.

ATM withdrawal limits are set by the bank, but will generally be between Rp 2,000,000 and Rp 2,500,000 (£130 maximum).

Santander All in One Credit Card

Santander All in One Credit Card

  • 0.5% cashback
  • 0% purchases for 15 months
  • 0% balance transfers for 15 months

Representative example: When you spend £1,200 at a purchase rate of 23.9% (variable) p.a. with a fee of £3 per month, your representative rate is 29.8% APR (variable).

As long as you remain careful when using your credit card in Bali, you can have a relatively trouble-free time.

Be sure to:

  • Avoid street money exchangers. These will often give you higher exchange rates. Instead, aim to go to a credible money exchange institution.
  • Be aware of card skimming. Card skimmers can steal your credit card number if they’re installed in an ATM. You can spot these if the card slot doesn’t feel as smooth as it should be or if there’s a problem with the keypad.
  • Use ATMs in public areas. In many busy areas, security guards will provide an extra layer of safety.
  • Protect your PIN. While using your card, shield your screen from view.
  • Carry a backup card or cash. Having backup cash or a different card to hand could keep you out of a sticky situation.
  • Research potential fees. Look at what your bank or credit card provider might charge you abroad. Again consider getting a card that has no foreign transaction fees.
  • Let your bank know. If your bank or card provider detects unusual activity, it may deactivate your credit card. This could include unexpected overseas transactions, so be sure to let your bank know about your travel plans.
  • Bring some cash just in case. Marketplaces in Bali often only take cash, so it’s best to always have some money with you.
  • Go with Visa or Mastercard. These are the most commonly accepted credit cards in Bali. A backup card may also be of some use as an extra layer of security. For some extra perks look for cards with airport lounge access or those that are designed for frequent flyers .
  • Avoid exchanging money with money changers on the street. Don’t be drawn into thinking you can get a better deal down side streets or back alleys. Try to pick a popular money changer with a direct frontage to a main street to minimise your risk.

Priority Pass

Lounge access with Priority Pass

In Indonesia, card payments can be made in most shops and restaurants. However, it’s always best to carry some cash on you in Bali’s busy markets or smaller towns. Before you go, it’s also important to understand any overseas transaction fees your card issuer might charge you and remain vigilant when using ATMs.

How to use a credit card in …

  • Czech Republic
  • Dominican Republic
  • Netherlands
  • New Zealand
  • Philippines
  • South Africa
  • Switzerland

Is cash or credit better in Bali?

What is the most commonly used card in bali.

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Emily Herring

Emily Herring is a Publisher at Finder specialising in credit-based products including credit cards and business and personal loans. Emily has a Masters in Creative Writing & Publishing and a Bachelor of Arts in Communication & Media.

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Travel / Travel Money Card

Travel Money Card

Travel Money Card

Features & benefits, $0 issue fee.

Order a Travel Money Card online or in branch for free. Load up to 13 currencies in NetBank and the CommBank app.  Order online now .

Easy to budget

Lock-in the exchange rate   for up to 13 currencies . Always know how much you have to spend, no matter how the Australian dollar moves.  Reload now .

Online, in-store, phone payments

Use your Travel Money Card to pay for items at over 61 million locations anywhere in the world (wherever Visa is accepted) – online, in-store or over the phone.  Check the fees .

Alerts when your balance is low

We’ll tell you when your balance is low, so you can reload currency before it runs out.  Opt in for free alerts .

Extra card security

Lost or temporarily misplaced your card, or had it stolen? Lock it then let us know. Keep the money on your card secure,  discover how .

Your purchases, covered

Lost or stolen personal belongings? We may be able to cover the cost to repair or replace them up to 90 days after you’ve bought them.  Here's more on that .

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Exchange rates

No reload fees

You can  load up to 13 currencies  on your Travel Money Card. When you’re ready to pay for something, the applicable currency will automatically be used for the country you’re in. 

Make sure you have enough of the correct currency on your card to avoid additional fees. If you don’t, we’ll use the next available currency instead, so long as there’s enough of it loaded on your card.

If you load multiple currencies on your Travel Money Card, you can  change the order  (the next available currency) anytime. 

Lady travelling

Rates & fees

See all fees and charges

Who can apply

To get your Travel Money Card, you’ll need to:

  • Be at least 14 years old;
  • Be registered to use NetBank;
  • Provide a valid email address; and
  • Have an Australian residential address

How it works

Before your trip.

  • Order a Travel Money Card in  NetBank  (or at your  nearest branch ) and load at least AUD 50 or the foreign currency equivalent to get started
  • Once you’ve got your card,  activate and set PIN online  in NetBank or under Cards in the CommBank app
  • Lock-in the rate by  loading currency on your card in NetBank  or the CommBank app

During your trip

  • Keep your Travel Money Card and back-up card somewhere safe
  • The  local currency is automatically selected  when you pay for something, if it’s loaded on your card
  • Stick to daily transaction limits. Maximum value of purchases per day: Unlimited, however no more than your available balance. Maximum amount you can withdraw from over the counter per day: AUD 2,500 or foreign currency equivalent. Maximum amount you can withdraw from ATMs per day: AUD 2,500 or foreign currency equivalent. However, most ATM operators have a limit on how much you can withdraw from an ATM per transaction which may be less than our maximum
  • Reload in real time , fee free if your balance gets low

When you’re home

  • Got leftover currency? Exchange it for another currency or back into your CommBank account from  NetBank  or the CommBank app
  • Top up  your Travel Money Card (it’s valid for two years) in preparation for your next trip
  • Donate  your foreign (and local) currency to any CommBank or Bankwest branch and every cent will go to UNICEF

Planning an overseas trip?

Discover travel tips to help make the most of your European summer holiday.

See travel tips

Managing your Travel Money Card

You’ve got your new card, here’s how to get the most out of it.

Detailed info on getting started, loading and re-loading currencies, setting a currency order, checking the balance and tracking your spend. Plus info on Purchase Security Insurance Cover.

Discover more

Emergency support & tools

What to do if you’ve lost your card or it’s stolen.

If you’ve lost your Travel Money card, or you think it might’ve been stolen, we can have an emergency replacement card sent to you anywhere in the world.

You may also be eligible for an Emergency Cash Advance, giving you access to cash within 24-48 hours (often on the same day).

Call us in an emergency on:

  • 1300 660 700  within Australia
  • +61 2 9999 3283 from overseas (reverse charges accepted). 

When calling from overseas using your mobile, standard roaming charges may apply. To avoid roaming charges, call the international operator in the country you’re in from a landline and give them our reverse charges number +61 2 9999 3283.

Tools & calculators

  • Saving calculator
  • Budget planner
  • How to use a Travel Money Card
  • Managing multiple currencies on your Travel Money Card
  • Travelling overseas: 10-step money checklist  
  • Beginners guide to exchange rates
  • Online banking while overseas  
  • Planning an overseas holiday

We can help

Your questions answered

Get in touch

Visit your nearest branch

Things you should know

1  The cash withdrawal fee will not apply to cash withdrawals made in Australia.

As this advice has been prepared without considering your objectives, financial situation or needs, you should before acting on this advice, consider its appropriateness to your circumstances.  The Product Disclosure Statement and Conditions of Use  (PDF) issued by Commonwealth Bank of Australia ABN 48 123 123 124 for Travel Money Card should be considered before making any decision about this product.  View our Financial Services Guide  (PDF).

For more information relating to the complimentary Purchase Security Insurance refer to Travel Money Card Complimentary Insurance Information Booklet  (PDF).

To raise a dispute related to your Travel Money Card please complete  this form for transactions  (PDF) or  this form for ATM disputes  (PDF).

BPAY is a registered trademark of BPAY Pty Ltd ABN 69 079 137 518.

Any withdrawal or balance enquiry fee will come from the currency for which you are using your card. If this currency is not loaded on your card, the fee will be taken from the first (or sole) currency loaded on your card. Any SMS balance alert fee will come from the first (or sole) currency loaded on your card.

The target market for this product will be found within the product’s Target Market Determination,  available here .

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COMMENTS

  1. The 5 Best Travel Money Cards for Bali in 2024

    Best 5 Travel Money Cards for Bali in 2024: Wise Travel Card for the best exchange rates. Revolut Travel Card for low fees. Travelex as the best all rounder. ING One Low Rate Platinum Credit Card for no international transaction fee. HSBC Everyday Global for best debit card for ATM cash withdrawals.

  2. Wise Debit Card: 7 Reasons Why it's the Best Travel Card for Bali

    Why Wise Debit Card is cheaper than banks and credit cards. Using Wise for sending money from Australia to Bali. The Wise Travel Debit Card. Withdraw Local Currency with your Transferwise Debit Card. No leftover foreign currency at the end of the holiday. Save money by spending local currency during airport transits.

  3. 5 Best Travel Cards to Use in Bali

    The best card for Bali will depend on how you'll use it, and how you like to manage your money. Using a travel debit card or travel prepaid card from a service like Wise or Revolut can be a handy way to spend and make withdrawals overseas, offering security, flexibility and low costs.

  4. 6 Best Travel Money Cards for Bali 2024

    This review of travel cards offers 6 convenient cards to let you do just that. Here's what we'll be looking at: Wise travel debit card: Hold 40+ currencies, including IDR, with no ongoing fees, and spend with the mid-market exchange rate with no foreign transaction fee and low conversion costs from 0.43%.

  5. Going to Bali? Here are 8 Travel Money Traps You Should Avoid

    1. Not taking a prepaid card. Our first point is an important one. Using a prepaid card in Bali is a great way to avoid the fees and costly exchange rates that often come with ordinary debit and credit cards, not to mention the theft risk of carrying around large amounts of cash.. The Wise card is a good choice for a prepaid travel card. You get the market exchange rate, low fees and you'll ...

  6. Should I Bring Cash or Credit Card to Bali?

    Find out what kind of money you need in Bali. Your long-awaited trip to Bali is fast approaching! You have been planning this vacation for a long time, and you are definitely looking forward to s ... Most taxi's do not accept credit cards in Bali. I have only been in a few taxis that accept a credit card in Bali. ... travel cirebon tangerang ...

  7. Bali Currency

    The currency in Bali is the Indonesian rupiah. You'll see it written as IDR and it's the only currency accepted in shops and restaurants. Some larger hotels may accept US dollars and euros, but will generally charge you extra for the privilege. Notes come in denominations of 1,000, 2,000, 5,000, 10,000, 20,000, 50,000 and 100,000 IDR.

  8. Best Travel Money Cards for Bali

    Term Deposit Calculator. Savings Calculator. Rate Checker. Cost of Living Comparison. Canstar Account. In Bali, you may be able to use a travel money card to withdraw Indonesian rupiah from ATMs or to pay for some purchases.

  9. Money in Bali

    Most ATMs in Bali allow a maximum withdrawal of 1,250,000 (50,000 bill machines) to 3,000,000 rupiah (100,000 bill machines) per transaction with a total maximum of 6,000,000 rupiah withdrawal a day. Be aware that often machines will hand out the money first before returning your card. Make sure you do not walk away without taking your card!

  10. Is it worth getting a travel money card for Bali?

    What is a travel money card and is it worth using for Bali? A travel money card, like a debit or credit card, can be loaded with Indonesian rupiah making it a potentially cost-effective payment method for Bali travel. 2. Are there other currency exchange options for Bali than just using cards?

  11. Money in Bali: a traveller's guide to bargaining, tipping and ATMs

    You can use ATMs in Indonesia 24/7. Unfortunately, ATM scams like phishing or skimming are not uncommon in Bali, so be vigilant before choosing a machine to withdraw your money from the ATM on the island. If you withdraw money from other currencies while using a travel card like Wise or Revolut, it is recommended to use BCA or CIMB Niaga ATM ...

  12. Is it better to Take Cash or Credit Cards to Bali?

    What's the best travel card to use in Bali? Without a doubt, the Transferwise Debit Card is the best card for travelling anywhere, not just in Bali. I have been using Transferwise to transfer money between different currencies for several years, and they have the best exchange rates of any financial institution, and definitely far better than ...

  13. Bali Travel Money Guide

    Bank notes: Rp 2,000, Rp 5,000, Rp 10,000, Rp 20,000, Rp 50,000, Rp 100,000. The currency used on the island of Bali is the Indonesian Rupiah. The name Rupiah, or IDR, is Indian in origin, and said to derive from the classical Indian word for silver (rupyakam). Before the country's independence from Holland, the Rupiah was known as the Dutch ...

  14. Bali Money Tips

    When using your bank card in Bali, also check with your bank before you leave your country about fees associated with withdrawing money internationally. The maximum amount you can withdraw at most Bali ATMs is 3,000,000 Rp (approx $300 AUD). This is why we recommend using a WISE or a Revolut card in Bali, rather than your traditional bank ATM card.

  15. The 5 Best Travel Cards for New Zealanders to use in Bali

    Let's dive into a deeper look at the best travel cards for New Zealanders to use in Bali. Wise - our pick for travel debit card for Bali. Travelex Money Card - prepaid card for Bali. Cash Passport - prepaid card option for Bali. hotpoints® World Mastercard - travel rewards credit card for Bali.

  16. Best ways to spend travel money in Indonesia & Bali

    The only real contender is the Wise Travel Money Card. Otherwise, there are a couple of travel cards which may be suitable to take to Indonesia, including the Travelex Prepaid Card. One drawback, however, is that you will face a 5.75% currency conversion fee. These cards should only really be considered if Indonesia is the first leg of your ...

  17. Travel money Indonesia 2024: How to pay & how much to bring

    4.60% on balances of $0+. 0.50% on balances of $0+. 1.20% on balances of $0+. Get up to $300 cash bonus with qualifying direct deposit. Terms apply. This offer is available until June 30, 2024. Earn up to 4.60% APY on savings by meeting deposit requirements, and 0.50% APY on checking balances.

  18. Currency in Bali

    The official currency used in Bali is the Indonesian Rupiah, abbreviated as IDR and symbolized as Rp. When quoting prices in Indonesian Rupiah, it is common to see the thousands implied, meaning that for example, when a price is written as "10.000" it actually represents 10,000 Indonesian Rupiah. Prices in Bali are typically represented ...

  19. Currency in Bali: All You Need to Know About IDR

    Using a card in Bali. Using a travel money card to spend and make cash withdrawals in Bali can be convenient and safe. You won't need to carry around all your holiday money in cash, and the fact your travel money card isn't linked to your normal AUD everyday account can also add an extra layer of security.

  20. Using a credit card in Bali 2024

    These are the most commonly accepted credit cards in Bali. A backup card may also be of some use as an extra layer of security. For some extra perks look for cards with airport lounge access or those that are designed for frequent flyers. Avoid exchanging money with money changers on the street.

  21. Travel Money Card

    Before your trip. Order a Travel Money Card in NetBank (or at your nearest branch) and load at least AUD 50 or the foreign currency equivalent to get started. Once you've got your card, activate and set PIN online in NetBank or under Cards in the CommBank app. Lock-in the rate by loading currency on your card in NetBank or the CommBank app.

  22. The Best Everyday Credit Cards

    Base rewards rate: 1x; Bonus rewards: 5x on airfare booked directly with airlines using American Express Travel with up to $500,000 spent each year, 5x on hotels booked through Amex