In Bali you pay in Indonesian rupiah (IDR). You use a mix of cash and card. Below are handy tips on withdrawals, changing money and paying so you don't spend more than you need to.
Cash & card
Larger hotels, restaurants and shops often accept credit cards, but many small warungs, markets and taxis are cash-only. So always carry some cash. Note: a surcharge may sometimes apply to card payments.
Withdrawing at ATMs
- There are ATMs everywhere; preferably choose machines at banks or in guarded spaces.
- Many machines dispense a maximum of 2–3 million IDR at a time and charge a withdrawal fee; taking out larger amounts at once saves money.
- Decline the 'conversion' the machine offers (choose to pay in IDR) — your own bank's rate is usually better.
- Tell your bank about your trip so your card isn't blocked.
Changing money
Only change money at reliable, official exchange offices (authorised money changers) and always count your money. Avoid rates that look 'too good' on the street — those are often scams. Withdrawing from an ATM is generally better value than changing money.
Tipping & small amounts
Tipping isn't compulsory but is appreciated; restaurants sometimes already include a service charge on the bill. Keep small notes on hand for taxis, parking help and small purchases.
Frequently asked questions
Can you pay by card and withdraw cash everywhere in Bali?
In hotels and larger venues often yes, but many small warungs, markets and taxis are cash-only. Always bring some cash.
What's handier in Bali: cash or card?
A mix. Card for bigger expenses, cash (rupiah) for food, markets and transport. When withdrawing, take out larger amounts at once to save on fees.
Where is the best place to change money in Bali?
At official, reliable exchange offices — and count your money. Withdrawing at an ATM is usually better value than changing money.
Plan your trip
