Cash or Card in Indonesia?
Everything you need to know about paying for things in Indonesia as a traveler.
The Short Answer
Cash is essential outside major tourist areas. Bali and Jakarta accept cards at hotels and larger restaurants.
How Much Cash to Bring
300,000-700,000 IDR per day
Keep some cash for small purchases, street vendors, and places that don't accept cards.
ATM & Cash Withdrawal Tips
BCA and Mandiri ATMs are the most reliable. Many ATMs have low withdrawal limits (1.25M IDR). Check for skimmers.
Currency
Rp
Indonesian Rupiah
IDR
Currency code
Check live rates at your bank or XE.com
Recommended Travel Cards
Cards with no foreign transaction fees work best for international travel.
- ●Wise debit card
- ●Revolut
- ●Charles Schwab debit
Universal Travel Money Tips
Regardless of your destination, these money tips apply everywhere and can save you significant amounts on fees and exchange rates:
- ✓Always decline "Dynamic Currency Conversion" (DCC) at ATMs and shops — it uses a worse exchange rate and adds hidden fees. Choose to pay in the local currency instead.
- ✓Notify your bank before traveling to avoid your card being blocked for suspicious activity. Set up travel notifications in your banking app.
- ✓Carry two different payment methods (e.g., two different cards, or a card and cash) in case one fails, gets lost, or is not accepted.
- ✓Avoid exchanging money at airports and hotels — they offer the worst rates. Use ATMs or local exchange offices in the city center instead.
- ✓Keep a small emergency fund in USD or EUR — these are widely accepted and easily exchanged in most countries worldwide.