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Travel money guide: Indonesia

Traveling to Indonesia? Learn about the best way to take your money with you.

The majority of Indonesians use cash to pay for purchases. The national currency is the Indonesian rupiah, so you’ll want some local currency and a Visa or Mastercard debit card on hand to access more cash when you need it.

The best place to look for an ATM when you need more cash is at the airport or one of the large bank branches. You can also use a Visa or Mastercard credit card in tourist hot spots like Bali, but plastic is virtually useless in remote areas like Maluku and Papua.

Our picks for traveling to Indonesia

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Travel card, credit card or debit cards?

Whether you’re on a business trip or taking a holiday, it’s good to at least have a couple of ways to access money. Choose a versatile mix like a debit card for regular spending and a credit card for emergencies. Whatever you decide on, you want to have enough Indonesian currency in your pockets when traveling through Indonesia — even if it’s enough for the first couple of days.

Must read:

You’re going to need to pay for a visa when you arrive in Indonesia. In places such as Denpasar airport, you have to pay cash, so make sure you have sufficient funds.

These are your options for spending money in Indonesia

Using a credit card

A travel credit card can be useful when going overseas if you plan on making a large purchase that you’ll want to pay off over a couple of months or for a hotel check-in where a deposit normally is required. Credit cards can also provide you with benefits like complimentary travel insurance when you charge the cost of your travel ticket to your account.

If you go with a travel card like the Capital One VentureOne Rewards Credit Card, you’ll avoid hefty foreign transaction fees, which can add to your trip’s cost usually in the vein of 3% per transaction.

However, credit cards can be expensive, especially when it comes to withdrawing cash at an ATM. Interest is charged straight away, and you’ll pay a cash advance fee.

Pros
  • Protected by PIN & chip
  • Access to funds up to your credit limit
  • Rewards points on spending, 0% purchases, frequent flyer perks
  • Emergency card replacement
Cons
  • High withdrawal and cash advance fees
  • International ATM fees and currency conversion fees

Compare travel credit cards

Explore top debit cards with no foreign transaction fees and travel credit cards by using the tabs to narrow down your options. Select Compare for up to four products to see their benefits side by side.

1 - 5 of 12
Name Product Fee Minimum deposit to open Annual Percentage Yield (APY) Offer
Upgrade Rewards Checking Plus
Finder Rating: 4.3 / 5: ★★★★★
Upgrade Rewards Checking Plus
$0 per month
$0
5.07% on balances of $0+
Earn up to 2% cashback rewards on everyday purchases. Pay $0 fees for overdraft, domestic wire transfer and monthly maintenance. Pair with Performance Savings account to earn 5.07% APY. Member FDIC.
SoFi Checking and Savings
Finder Rating: 4.5 / 5: ★★★★★
Bonus
SoFi Checking and Savings
$0 per month
$0
4.60% on balances of $0+
0.50% on balances of $0+
1.20% on balances of $0+
Get up to $250 cash bonus with qualifying direct deposit. Terms apply. This offer is available until December 31, 2023.
Earn up to 4.60% APY on savings by meeting deposit requirements, and 0.50% APY on checking balances. Members without deposit requirements will earn 0.50% APY on both savings and checking balances. Turn on automatic savings or use the Roundups feature to help you reach your savings goals faster. Get up to $2M of additional FDIC insurance through a network of participating banks.
Revolut
Finder Rating: 4.8 / 5: ★★★★★
Revolut
From $0 per month
$0
4.25% on balances of $0+
3.25% on balances of $0+
Use Revolut Premium for three months for $0 when you sign up for Revolut. Just make one qualifying transaction with your Revolut card during the promotion period. Terms and conditions apply.
Revolut is a global fintech that offers up to 40% off international transfers.
Chime Checking account
Finder Rating: 4.8 / 5: ★★★★★
Chime Checking account
$0 per month
$0
N/A
Save easily and access your paycheck up to 2 days early with direct deposit. Pay $0 monthly fees, and no minimum balance is required. Access 24/7 support and get daily balance and transaction alerts. FDIC insured.
Acorns Checking
Finder Rating: 3.6 / 5: ★★★★★
Acorns Checking
From $3 per month
$0
N/A
Invest your spare change in real-time and earn up to 10% in bonus investments. Member FDIC.
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1 - 5 of 36
Name Product Welcome Offer Rewards Annual fee Filter values
Capital One VentureOne Rewards Credit Card
20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
Up to 5x miles
$0
Earn 20,000 bonus miles once you spend $500 on purchases within the first 3 months from account opening. See rates & fees
Capital One Venture Rewards Credit Card
Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
Up to 5x miles
$95
Earn 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months ​from account opening. See rates & fees
Chase Sapphire Preferred® Card
60,000 points after spending $4,000 in the first 3 months
Up to 5x points
$95
If you're not ready to drop a premium on Chase's flagship travel card, consider the issuer's excellent $95 a year travel product. It currently offers a generous welcome offer at $750 in value, all while maintaining the low annual fee. You'll also earn accelerated rewards on travel and dining, and points are worth more when redeemed for travel through Chase Ultimate Rewards. Better yet, you can transfer points to select travel partners, letting you find much higher redemption rates.
Capital One Quicksilver Cash Rewards Credit Card
$200 cash bonus after you spend $500 on purchases within 3 months from account opening
Up to 1.5% cash back
$0
More than an unlimited 1.5% cash back card: you'll also earn 5% cash back on hotels and rental cars booked through Capital One Travel (terms apply). See rates & fees
Capital One VentureOne Rewards for Good Credit
Capital One VentureOne Rewards for Good Credit
N/A
Up to 5x miles
$0
The same rewards and $0 annual fee as the Capital One VentureOne Rewards Credit Card, but for those with good credit. See rates & fees
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Using a debit card

A debit card is a great travel companion if you can get your hands on one with no international ATM fees like the Betterment Checking. You’ll have easy access to cash and only have to pay the ATM operator fee. When making purchases overseas, most debit cards will charge a 2% to 3% foreign transaction fee.

Pros
  • Access to ATMs
  • Make over-the-counter purchases
  • Budget is easily managed
Cons
  • Currency conversion and international ATM fees
  • No emergency cash
  • No backup cards

Using a prepaid travel card

There are no travel money cards that allow you to load and spend in Indonesian rupiah. These cards should only really be considered if Indonesia is the first leg of your international holiday. However, due to the lack of support for the Indonesian rupiah, the fee structure and exchange rate margin when you load the card with funds make this an expensive option.

Pros
  • Protected by PIN & chip
  • Pre-load and secure your exchange rate
  • Accepted worldwide
  • Emergency card replacement and backup cards
Cons
  • Local ATM fee
  • Reloading time

Paying with cash in Indonesia

Having cash in Indonesia will prove to be useful as there won’t always be stores and shops that are going to accept credit card payments. In addition to that, many street stands or local vendors will likely be operating a cash-only business. Don’t let yourself get stuck in a rut because you didn’t want to stop at an ATM machine.

Cons
  • Difficult to manage expenses
  • Higher risk of theft

Using traveler’s checks

Traveler’s checks have some nice security touches to them, but unfortunately, they’re dated. Traveler’s checks need ID to be cashed, and they can be replaced in a few days if lost or stolen. But, there are fees for purchasing and cashing a check.

Pros
  • Secure and can be easily replaced if lost or stolen
  • Photo ID needed to cash checks
Cons
  • Can be costly with initial purchase charges
  • Limited acceptance
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A guide to Indonesian banknotes and coins

Indonesian currency is in denominations of 1,000, 2,000, 5,000, 10,000, 20,000, 50,000, 100,000 denominations — each a different color. Familiarize yourself with the notes before heading there:

Indonesian 1000-rupiahIndonesian 2000-rupiahIndonesian 5000-rupiah
Indonesian 20000-rupiahIndonesian 50000-rupiah

Card acceptance

You’ll see stores and shops with Mastercard and Visa logos throughout Bali, and you should be able to use your ATM card there with no problem.

  • Tip: Citibank customers can make free ATM withdrawals using Citibank ATMs in Indonesia.

Live Rate

= Rp 1.0000

Refreshing in: 60s | Wed, Nov 29, 05:08PM GMT

The main banks in Indonesia are:

  • BRI (Bank Rakyat Indonesia)
  • Bank Mandiri
  • BNI (Bank Negara Indonesia)
  • BCA (Bank Central Asia)
  • BTN (Bank Tabungan Indonesia)
  • Bank Panin
  • Citibank Indonesia
  • CIMB Niaga
Find ATMs in Indonesia

You’ll find a host of global and national bank branches with ATMs located inside, as well as locally owned ATMs around the country. However, ATMs in airports and large bank branches are the spots where you won’t be charged hefty ATM operator fees. You can also avoid international ATM fees by using a Betterment Checking Visa debit card because this account reimburses all ATM fees within 24 hours of submitting them.

How much should I budget to travel in Indonesia?

All prices are in US dollars.

Budget (Cheap)MidrangeLuxury (High-end)
MealsCheap street meals
$1
Average full meal
$2–$3
Western food
$10
ActivitiesBromo-Tengger-Semeru National Park
$7
Mt. Batur hike
$30–$60
2-day all-inclusive orangutan trek in Bukit Lawang
$80
AccommodationSimple room
$15
Room with air-conditioning and Wi-Fi
$30–$70
Ayana Bali resort
$815–$1225

Prices are approximate and are subject to change.

Case study: Stephanie's experience

Stephanie profile photo
Stephanie

Stephanie’s Bali Beach Holiday

What are your travel money tips for Bali?

She says do your shopping in the morning. The people who sell things at the markets in Bali will give you a better price in the morning compared to in the afternoon.

Get travel insurance quotes for your holiday in Indonesia

Indonesia has proved to be a dangerous destination. From the dreaded Bali belly to contaminated alcohol, there are many risks lurking just below the surface. This is why travel insurance is so important. Travel insurance can cover:

  • Cancellations
  • Trip interruption
  • Lost deposits
  • Additional accommodation
  • Personal liability
  • Emergency dental and medical

Don’t let a hospital stay ruin your holiday. Compare travel insurance for Indonesia and find the right policy for you.

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