Before you fly · Indonesia
Forex card or cash for Indonesia?
Carry a zero-markup forex card, loaded in IDR.
The currency is IDR (Indonesian Rupiah).
Checked 24 Sep 2026 · source: IATA Travel Centre — Indonesia customs ↗ · +2 more
IndonesiaForex and cash
The currency is IDR (Indonesian Rupiah).
Bali runs on cash outside hotels and big restaurants: warungs, temple tickets, scooter rental, boats and drivers all want IDR. Withdraw IDR 2.5M at a time from a BCA or BNI ATM inside a bank branch — Mandiri machines add a flat IDR 50,000 fee for foreign cards. Change money only at authorised (PVA-licensed) counters with a receipt.
Zero-markup forex cards
- Niyo GlobalZero forex markup; BCA and BNI ATMs take it with no local fee up to IDR 2.5M/withdrawal
- ScapiaNo forex markup; card payments fine in Seminyak/Ubud restaurants and malls
- BookMyForex cardLoad IDR directly; avoid airport money changers' rates
Every detail we holdThe forex and cash facts, as checked
- Currency
- IDR (Indonesian Rupiah)
Forex cards
- Niyo Global — Zero forex markup; BCA and BNI ATMs take it with no local fee up to IDR 2.5M/withdrawal
- Scapia — No forex markup; card payments fine in Seminyak/Ubud restaurants and malls
- BookMyForex card — Load IDR directly; avoid airport money changers' rates
- Upi supported
- No
- Upi note
- Not yet. The QRIS–UPI link (NPCI + Bank Indonesia) is targeted for late 2026 — until it launches, UPI apps will not scan Indonesian QR codes.
- Cash vs card
- Bali runs on cash outside hotels and big restaurants: warungs, temple tickets, scooter rental, boats and drivers all want IDR. Withdraw IDR 2.5M at a time from a BCA or BNI ATM inside a bank branch — Mandiri machines add a flat IDR 50,000 fee for foreign cards. Change money only at authorised (PVA-licensed) counters with a receipt.