Before heading to Bali, it’s important to understand how money works on the island. The official Bali currency is the Indonesian Rupiah (IDR), and while it’s widely used, travelers often get confused by the large numbers on notes and the varying exchange rates. Knowing how to handle money—whether through ATMs, money changers, or cards—will help you avoid scams and manage your budget efficiently.
This guide covers everything you need to know about Bali currency, from the best ways to exchange money and withdraw cash to using credit cards, mobile payments, and budgeting tips.
Understanding Bali Currency
- Official currency: Indonesian Rupiah (IDR).
- Banknotes: Available in denominations of 1,000, 2,000, 5,000, 10,000, 20,000, 50,000, and 100,000.
- Coins: Less commonly used, ranging from 100 to 1,000 IDR.
Tip: The 100,000 IDR note is the largest denomination and is worth roughly $6–7 USD, depending on exchange rates.
ATMs in Bali
ATMs are widely available across Bali, especially in tourist hubs like Kuta, Seminyak, Ubud, and Canggu.
- Withdrawal limits: Most ATMs allow 2–3 million IDR per transaction. Some high-limit ATMs allow up to 6 million IDR.
- Fees: Your home bank may charge fees, usually around $2–5 per withdrawal, plus local ATM fees.
- Safety: Always use ATMs located at banks or malls to reduce the risk of card skimming.
Tip: Avoid withdrawing money late at night in remote areas. Always cover your PIN.
Money Exchange in Bali
Money changers are common in Bali, but not all are trustworthy.
Where to Exchange Money Safely:
- Authorized money changers with licenses (look for the “Authorized” sign).
- Banks (slightly lower rates, but more reliable).
- Reputable exchange counters in malls and tourist centers.
Avoid:
- Small kiosks with “too good to be true” rates.
- Places without receipts or exchange slips.
Always count your cash before leaving the counter and double-check the notes.
Bali Currency Conversion Cheat Sheet (Approximate Ranges)
Since the Indonesian Rupiah (IDR) can fluctuate daily, here’s a practical reference for travelers. These values are approximate and may vary depending on global markets and local exchange rates in Bali.
| Currency | Approximate Value in IDR | Notes |
|---|---|---|
| 1 USD (US Dollar) | 15,000 – 16,500 IDR | Most common reference for tourists |
| 1 EUR (Euro) | 16,000 – 18,000 IDR | Often slightly stronger than USD |
| 1 AUD (Australian Dollar) | 9,500 – 11,000 IDR | Popular with Australian travelers |
| 1 GBP (British Pound) | 18,500 – 20,000 IDR | Strong currency, useful for UK visitors |
| 1 SGD (Singapore Dollar) | 11,000 – 12,000 IDR | Convenient for short-haul visitors from Singapore |
Tip: Always check live exchange rates on apps like XE, Wise, or Revolut before exchanging money in Bali. Rates offered by authorized money changers are usually slightly lower than the market rate, but safer than suspicious kiosks offering “too good” deals.
Using Credit & Debit Cards in Bali
- Widely accepted: Hotels, resorts, upscale restaurants, and big shops.
- Not always accepted: Local warungs (small eateries), traditional markets, and rural areas.
- Fees: Foreign transaction fees may apply, depending on your bank.
Visa and Mastercard are the most commonly accepted cards in Bali.
Mobile Payments & Digital Wallets
Digital payments are becoming increasingly popular in Bali, especially in urban centers and tourist-friendly areas. While cash is still king in traditional markets and small warungs (local eateries), mobile payments are now widely accepted in cafes, restaurants, supermarkets, and even transport apps.
Popular Local Payment Apps
GoPay (part of Gojek app):
- Used for ride-hailing, food delivery, and paying at partner merchants.
- Can be topped up via bank transfer or convenience stores.
- Many cafes and restaurants in Seminyak, Ubud, and Canggu accept GoPay.
OVO:
- A rival to GoPay, often integrated with Grab.
- Accepted at malls, restaurants, and online stores.
- Offers cashback promotions for frequent users.
Dana & LinkAja:
- Other Indonesian e-wallets, mainly used by locals.
- Tourists may find limited use unless staying long-term.
QRIS System
- QRIS (Quick Response Indonesian Standard) is a nationwide QR code system.
- It allows different e-wallets and banking apps to scan one standardized QR code.
- Increasingly accepted in Bali for cafes, shops, and attractions.
International Digital Payments
- Apple Pay & Google Pay: Still limited in Bali; some international hotels and upscale stores may accept them.
- Revolut & Wise Cards: Not e-wallets per se, but great for managing multiple currencies and making card payments at better rates.
Where You Can Use Digital Wallets in Bali
✅ Ride-hailing apps (Grab, Gojek)
✅ Food delivery apps
✅ Coffee shops, beach clubs, and modern restaurants
✅ Supermarkets and chain stores
✅ Some tourist attractions and yoga studios
Where You’ll Still Need Cash
❌ Traditional markets (pasar)
❌ Local warungs (street food stalls)
❌ Rural shops or remote areas
❌ Small taxi drivers not using apps
Tip: If you’re a short-term visitor, it’s easier to rely on cash + cards rather than setting up Indonesian wallets, since topping them up usually requires a local bank account or SIM card.
Budgeting Tips for Bali Travelers
- Daily budget varies depending on your style:
- Backpackers: $25–40 USD/day.
- Mid-range travelers: $50–100 USD/day.
- Luxury travelers: $150+ USD/day.
- Always keep a mix of cash and cards.
- Small notes (10,000–20,000 IDR) are handy for taxis, tips, and markets.
Common Money Scams in Bali
- Money Changer Tricks – slipping extra notes away while counting.
- Fake Notes – rare but possible, especially with large denominations.
- Overcharging Taxis – always confirm fares or use Grab/Gojek.
???? Stick to authorized counters and use apps for transport to avoid scams.
FAQs on Bali Currency
What is the official Bali Currency?
The Indonesian Rupiah (IDR).
Can I use US dollars or euros in Bali?
No, only IDR is accepted for payments.
Are credit cards widely accepted in Bali?
Yes, in hotels, resorts, and large restaurants, but cash is preferred in local shops.
Where can I get the best exchange rate in Bali?
Authorized money changers in tourist areas often offer the best rates.
Is it safe to use ATMs in Bali?
Yes, if you use ATMs attached to banks or inside malls.
How much cash should I carry daily?
Around 200,000–500,000 IDR for food, taxis, and small purchases.
Can I withdraw large amounts at once?
Most ATMs limit withdrawals to 2–3 million IDR per transaction.
Do I need to tip in Bali?
Tipping is not mandatory but appreciated—5–10% is common.
What’s the biggest banknote in Bali?
100,000 IDR, worth about $6–7 USD.
Do Bali shops accept mobile payments?
Yes, increasingly via QRIS, though cash is still king in small businesses.
Are traveler’s checks accepted in Bali?
Rarely, and often with poor exchange rates. Best avoided.
How do I recognize fake money in Bali?
Check for watermarks, clear printing, and texture. When in doubt, exchange only at authorized counters.
Final Thoughts
Handling Bali currency doesn’t have to be complicated. By sticking to authorized money changers, using ATMs safely, and keeping a mix of cash and cards, you’ll navigate Bali’s money matters with ease. Always carry small notes for everyday expenses, avoid scams, and you’ll enjoy a smooth and stress-free financial experience on the island.