{"id":43977,"date":"2017-08-07T11:56:29","date_gmt":"2017-08-07T10:56:29","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?page_id=43977"},"modified":"2026-05-11T05:41:49","modified_gmt":"2026-05-11T04:41:49","slug":"indonesia","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/travel-money\/indonesia","title":{"rendered":"Best ways to spend travel money in Indonesia and Bali: Debit and prepaid cards"},"content":{"rendered":"<p>Indonesia has been an attractive destination for UK travellers for several decades. Be it as part of a gap year, an escape to the beaches of Bali or a surf trip, Indonesia has something for most travellers.<\/p><div class=\"keyTakeaways\">\n  <div class=\"keyTakeaways__header\">\n          <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"21\" viewbox=\"0 0 314.16 201.03\" fill=\"none\">\n  <path d=\"M212.32,190.62c-19.66,0-38.8-6.44-54.42-18.24-15.63,11.79-34.77,18.24-54.42,18.24-49.84,0-90.39-40.55-90.39-90.39V9.83h199.24c49.84,0,90.39,40.55,90.39,90.39s-40.55,90.39-90.39,90.39Z\" fill=\"white\"><\/path>\n  <path d=\"M212.32,15.9c46.57,0,84.33,37.75,84.33,84.33h0c0,46.57-37.75,84.33-84.33,84.33h0c-20.75,0-39.74-7.51-54.42-19.94-14.69,12.43-33.68,19.94-54.42,19.94h0c-46.57,0-84.33-37.75-84.33-84.33V15.9h193.18M212.32,3.76H7.01v96.46c0,53.19,43.27,96.46,96.46,96.46,19.47,0,38.46-5.92,54.43-16.84,15.96,10.91,34.95,16.84,54.42,16.84,53.19,0,96.46-43.27,96.46-96.46S265.51,3.76,212.32,3.76h0Z\" fill=\"#232320\"><\/path>\n  <path d=\"M216.34,90.21c.19-1.69,1.76-2.87,3.43-2.6,11.91,1.94,22.41-7.31,20.93-20.1-.45-3.93-2.28-6.56-4.43-9.31-1.05-1.35-.74-3.34.71-4.26,15.6-9.82,31.64-1.91,40.78,13.29,11.21,18.64,11.54,47.15.53,65.94-15.41,26.3-42.91,23.48-56.04-3.04-6.09-12.29-7.47-26.4-5.92-39.93Z\" fill=\"#232320\"><\/path>\n  <path d=\"M105.92,90.21c.19-1.69,1.76-2.87,3.43-2.6,11.91,1.94,22.41-7.31,20.93-20.1-.45-3.93-2.28-6.56-4.43-9.31-1.05-1.35-.74-3.34.71-4.26,15.6-9.82,31.64-1.91,40.78,13.29,11.21,18.64,11.54,47.15.53,65.94-15.41,26.3-42.91,23.48-56.04-3.04-6.09-12.29-7.47-26.4-5.92-39.93Z\" fill=\"#232320\"><\/path>\n<\/svg>        <h3 data-toc=\"false\">Key takeaways<\/h3>\n  <\/div>\n\n    <ul>\n          <li>Indonesia\u2019s currency is the rupiah.<\/li>\n          <li>ATMs are widespread in cities and tourist areas, but make sure to plan ahead if you\u2019re travelling to rural areas.<\/li>\n          <li>Choose a debit card with low fees (or no fees) for travel <a href=\"#toppicks\">from our top picks<\/a>.<\/li>\n      <\/ul>\n\n  \n  <\/div>\n<h3 id=\"toppicks\">Low-cost travel money options for Indonesia<\/h3><script id=\"toppicks-datalayer\">\n  window.dataLayerState = [{\"TopPicksData_cardCategory\":\"Low fees + sign-up bonus\",\"TopPicksData_providerLabel\":\"Revolut\",\"TopPicksData_primaryCta\":\"true\",\"TopPicksData_hasReward\":\"false\",\"TopPicksData_position\":1},{\"TopPicksData_cardCategory\":\"No overseas fees card \\u0026 budgeting\",\"TopPicksData_providerLabel\":\"Monzo\",\"TopPicksData_primaryCta\":\"true\",\"TopPicksData_hasReward\":\"false\",\"TopPicksData_position\":2},{\"TopPicksData_cardCategory\":\"No FX fees\",\"TopPicksData_providerLabel\":\"Wise\",\"TopPicksData_primaryCta\":\"true\",\"TopPicksData_hasReward\":\"false\",\"TopPicksData_position\":3}];\n<\/script>\n\n\n  <div id=\"toppicks\" class=\"topPicks rewards--container topPicksF1\" data-count-items=\"3\" data-desktop-count=\"3\" data-niche=\"UKFTM\" data-rewards-component=\"top-picks\">\n        <div class=\"topPicks__list\">\n      <div class=\"u-grid u-grid--alignStretch\">\n                  <div class=\"u-grid__col topPicks__col u-3\/4 u-5\/12@s u-1\/3@l\">\n            <article class=\"topPicks__card luna-card luna-card--stretch\">\n\n              <header class=\"topPicks__header\">\n                <p class=\"topPicks__category\">Low fees + sign-up bonus<\/p>\n              <\/header>\n\n              <div class=\"topPicks__body\">\n                                  <div class=\"topPicks__badgeRow\">\n                                          <p class=\"topPicks__lozenge topPicks__lozenge--promoted\"><span>Promoted<\/span><\/p>\n                                        \n                  <\/div>\n                \n                <div class=\"topPicks__nameRow topPicks__nameRow--empty\">\n                                  <\/div>\n\n                <figure class=\"topPicks__figure\">\n                                                        <img decoding=\"async\" src=\"https:\/\/www.finder.com\/niche-builder\/66db251e3e0db.png\" srcset=\"https:\/\/www.finder.com\/niche-builder\/66db251e3e0db.png\" class=\"topPicks__image\" alt=\"Revolut logo\" loading=\"lazy\">\n                                  <\/figure>\n\n                \n                <div class=\"topPicks__ctaRow\">\n                                      <a class=\"luna-button luna-button--success luna-button--fluid topPicks__cta\" href=\"https:\/\/www.finder.com\/redirect\/uk\/travel-money\/revoluttravelmoney-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22top_picks%22%2C%22niche_code%22%3A%22UKFTM%22%2C%22product_id%22%3A%224ddde83d-92a3-41cb-a518-97352f192ba8%22%2C%22product_name%22%3A%22Revolut%2B%22%2C%22provider_id%22%3A%22d6fc0821-41db-4faa-a3ab-cd9184210ad9%22%2C%22position%22%3A%221%22%2C%22offer_id%22%3A%2221270%22%2C%22post_id%22%3A%2243977%22%2C%22post_path%22%3A%22travel-money%252Findonesia%22%2C%22post_country%22%3A%22uk%22%7D\" rel=\"sponsored\" target=\"_blank\" data-card-position=\"1\">Go to site<\/a>\n                                  <\/div>\n\n                <div class=\"topPicks__disclaimerRow\">\n                                      <p class=\"topPicks__ctaDisclaimer\">T&amp;Cs apply<\/p>\n                                  <\/div>\n\n                \n                                <div class=\"topPicks__offerRow\">\n                                      <div class=\"topPicks__offer\">\n                      <svg class=\"topPicks__offerIcon luna-icon\" width=\"18\" height=\"18\" style=\"--fill: #1dd751\" aria-hidden=\"true\" focusable=\"false\"><use xlink:href=\"#gift\"><\/use><\/svg>\n                      <span class=\"topPicks__offerText\">\u00a320 welcome bonus<\/span>\n                                          <\/div>\n                                  <\/div>\n                \n                                  <div class=\"topPicks__descriptionRow\">\n                                          <ul class=\"topPicks__features\">\n                                                                              <li><svg class=\"topPicks__featureIcon luna-icon\" width=\"18\" height=\"18\" style=\"--fill: #008024\" aria-hidden=\"true\" focusable=\"false\"><use xlink:href=\"#check-circle-fill\"><\/use><\/svg><span>Pay like a local with excellent exchange rates<\/span><\/li>\n                                                                                                        <li><svg class=\"topPicks__featureIcon luna-icon\" width=\"18\" height=\"18\" style=\"--fill: #008024\" aria-hidden=\"true\" focusable=\"false\"><use xlink:href=\"#check-circle-fill\"><\/use><\/svg><span>Send money in 29 currencies<\/span><\/li>\n                                                                                                        <li><svg class=\"topPicks__featureIcon luna-icon\" width=\"18\" height=\"18\" style=\"--fill: #008024\" aria-hidden=\"true\" focusable=\"false\"><use xlink:href=\"#check-circle-fill\"><\/use><\/svg><span>Cashback on hotel bookings<\/span><\/li>\n                                                                        <\/ul>\n                                      <\/div>\n                              <\/div>\n\n            <\/article>\n\n                      <\/div>\n                  <div class=\"u-grid__col topPicks__col u-3\/4 u-5\/12@s u-1\/3@l\">\n            <article class=\"topPicks__card luna-card luna-card--stretch\">\n\n              <header class=\"topPicks__header\">\n                <p class=\"topPicks__category\">No overseas fees card &amp; budgeting<\/p>\n              <\/header>\n\n              <div class=\"topPicks__body\">\n                                  <div class=\"topPicks__badgeRow\">\n                                          <p class=\"topPicks__lozenge topPicks__lozenge--promoted\"><span>Promoted<\/span><\/p>\n                                        \n                  <\/div>\n                \n                <div class=\"topPicks__nameRow topPicks__nameRow--empty\">\n                                  <\/div>\n\n                <figure class=\"topPicks__figure\">\n                                                        <img decoding=\"async\" src=\"https:\/\/www.finder.com\/niche-builder\/64d4f89e1aa8f.png\" srcset=\"https:\/\/www.finder.com\/niche-builder\/64d4f89e1aa8f.png\" class=\"topPicks__image\" alt=\"Monzo logo\" loading=\"lazy\">\n                                  <\/figure>\n\n                \n                <div class=\"topPicks__ctaRow\">\n                                      <a class=\"luna-button luna-button--success luna-button--fluid topPicks__cta\" href=\"https:\/\/www.finder.com\/redirect\/uk\/travel-money\/monzo-travel-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22top_picks%22%2C%22niche_code%22%3A%22UKFTM%22%2C%22product_id%22%3A%224b7deca5-4152-460d-bd12-4d0074d34d61%22%2C%22product_name%22%3A%22Monzo%22%2C%22provider_id%22%3A%22571d60cb-7ae7-4360-858d-d999e56e35a5%22%2C%22position%22%3A%222%22%2C%22offer_id%22%3A%2225676%22%2C%22post_id%22%3A%2243977%22%2C%22post_path%22%3A%22travel-money%252Findonesia%22%2C%22post_country%22%3A%22uk%22%7D\" rel=\"sponsored\" target=\"_blank\" data-card-position=\"2\">Go to site<\/a>\n                                  <\/div>\n\n                <div class=\"topPicks__disclaimerRow\">\n                                      <p class=\"topPicks__ctaDisclaimer\">T&amp;Cs apply<\/p>\n                                  <\/div>\n\n                \n                                <div class=\"topPicks__offerRow\">\n                                      <div class=\"topPicks__offer\">\n                      <svg class=\"topPicks__offerIcon luna-icon\" width=\"18\" height=\"18\" style=\"--fill: #1dd751\" aria-hidden=\"true\" focusable=\"false\"><use xlink:href=\"#gift\"><\/use><\/svg>\n                      <span class=\"topPicks__offerText\">Earn interest on your holiday money with a savings pot<\/span>\n                                          <\/div>\n                                  <\/div>\n                \n                                  <div class=\"topPicks__descriptionRow\">\n                                          <ul class=\"topPicks__features\">\n                                                                              <li><svg class=\"topPicks__featureIcon luna-icon\" width=\"18\" height=\"18\" style=\"--fill: #008024\" aria-hidden=\"true\" focusable=\"false\"><use xlink:href=\"#check-circle-fill\"><\/use><\/svg><span>Make fee-free cash withdrawals<\/span><\/li>\n                                                                                                        <li><svg class=\"topPicks__featureIcon luna-icon\" width=\"18\" height=\"18\" style=\"--fill: #008024\" aria-hidden=\"true\" focusable=\"false\"><use xlink:href=\"#check-circle-fill\"><\/use><\/svg><span>Spend abroad with no fees<\/span><\/li>\n                                                                                                        <li><svg class=\"topPicks__featureIcon luna-icon\" width=\"18\" height=\"18\" style=\"--fill: #008024\" aria-hidden=\"true\" focusable=\"false\"><use xlink:href=\"#check-circle-fill\"><\/use><\/svg><span>Split costs with friends in seconds<\/span><\/li>\n                                                                        <\/ul>\n                                      <\/div>\n                              <\/div>\n\n            <\/article>\n\n                      <\/div>\n                  <div class=\"u-grid__col topPicks__col u-3\/4 u-5\/12@s u-1\/3@l\">\n            <article class=\"topPicks__card luna-card luna-card--stretch\">\n\n              <header class=\"topPicks__header\">\n                <p class=\"topPicks__category\">No FX fees<\/p>\n              <\/header>\n\n              <div class=\"topPicks__body\">\n                                  <div class=\"topPicks__badgeRow\">\n                                          <p class=\"topPicks__lozenge topPicks__lozenge--promoted\"><span>Promoted<\/span><\/p>\n                                        \n                  <\/div>\n                \n                <div class=\"topPicks__nameRow topPicks__nameRow--empty\">\n                                  <\/div>\n\n                <figure class=\"topPicks__figure\">\n                                                        <img decoding=\"async\" src=\"https:\/\/www.finder.com\/niche-builder\/66db25e6c6685.png\" srcset=\"https:\/\/www.finder.com\/niche-builder\/66db25e6c6685.png\" class=\"topPicks__image\" alt=\"Wise logo\" loading=\"lazy\">\n                                  <\/figure>\n\n                \n                <div class=\"topPicks__ctaRow\">\n                                      <a class=\"luna-button luna-button--success luna-button--fluid topPicks__cta\" href=\"https:\/\/www.finder.com\/redirect\/uk\/travel-money\/wise-multucyrrency-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22top_picks%22%2C%22niche_code%22%3A%22UKFTM%22%2C%22product_id%22%3A%22bf57b237-53f7-4885-adc9-f9fb9275c9b7%22%2C%22product_name%22%3A%22Wise%2BMulti-currency%2BAccount%22%2C%22provider_id%22%3A%2223bc3143-484a-4e3e-ae68-28e0f4ccea79%22%2C%22position%22%3A%223%22%2C%22offer_id%22%3A%2225128%22%2C%22post_id%22%3A%2243977%22%2C%22post_path%22%3A%22travel-money%252Findonesia%22%2C%22post_country%22%3A%22uk%22%7D\" rel=\"sponsored\" target=\"_blank\" data-card-position=\"3\">Go to site<\/a>\n                                  <\/div>\n\n                <div class=\"topPicks__disclaimerRow\">\n                                      <p class=\"topPicks__ctaDisclaimer\">T&amp;Cs apply<\/p>\n                                  <\/div>\n\n                \n                                <div class=\"topPicks__offerRow\">\n                                      <div class=\"topPicks__offer\">\n                      <svg class=\"topPicks__offerIcon luna-icon\" width=\"18\" height=\"18\" style=\"--fill: #1dd751\" aria-hidden=\"true\" focusable=\"false\"><use xlink:href=\"#gift\"><\/use><\/svg>\n                      <span class=\"topPicks__offerText\">More than 150 countries<\/span>\n                                          <\/div>\n                                  <\/div>\n                \n                                  <div class=\"topPicks__descriptionRow\">\n                                          <ul class=\"topPicks__features\">\n                                                                              <li><svg class=\"topPicks__featureIcon luna-icon\" width=\"18\" height=\"18\" style=\"--fill: #008024\" aria-hidden=\"true\" focusable=\"false\"><use xlink:href=\"#check-circle-fill\"><\/use><\/svg><span>Open an account in minutes<\/span><\/li>\n                                                                                                        <li><svg class=\"topPicks__featureIcon luna-icon\" width=\"18\" height=\"18\" style=\"--fill: #008024\" aria-hidden=\"true\" focusable=\"false\"><use xlink:href=\"#check-circle-fill\"><\/use><\/svg><span>Use in more than 150 countries<\/span><\/li>\n                                                                                                        <li><svg class=\"topPicks__featureIcon luna-icon\" width=\"18\" height=\"18\" style=\"--fill: #008024\" aria-hidden=\"true\" focusable=\"false\"><use xlink:href=\"#check-circle-fill\"><\/use><\/svg><span>2 free cash withdrawals per month<\/span><\/li>\n                                                                        <\/ul>\n                                      <\/div>\n                              <\/div>\n\n            <\/article>\n\n                      <\/div>\n              <\/div>\n    <\/div>\n  <\/div>\n\n\n\n<div id=\"toppicks-methodology\" class=\"topPicksMethodology--shortcode luna-accordionGroup accordionGroup\">\n    <div class=\"luna-accordion\" data-accordion=\"accordion\">\n        <div class=\"luna-accordion__summary\">\n            <h4 class=\"luna-accordion__heading\">\n                <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"methodology-expander-0000000001\" data-toggle=\"collapse\" data-target=\"#methodology-expander-0000000001\">\n                    <span class=\"luna-accordion__title\">How we chose these accounts<\/span>\n                    <svg class=\"luna-icon topPicksMethodology__toggleIcon\" aria-hidden=\"true\">\n                        <use xlink:href=\"#chevron-down\" data-toggle-icon=\"show\" class=\"topPicksMethodology__toggleIcon-down\"><\/use>\n                        <use xlink:href=\"#chevron-up\" data-toggle-icon=\"hide\" class=\"topPicksMethodology__toggleIcon-up is-hidden\"><\/use>\n                    <\/svg>\n                <\/button>\n            <\/h4>\n        <\/div>\n        <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"methodology-expander-0000000001\" data-accordion=\"details\" style=\"height: 0px;\">\n            <div class=\"accordionContent\">The accounts shown above are promoted picks. If we show a \"Promoted for\" pick, this means it's been chosen from among our partners and is based on factors that include special features or offers, and the commission we receive. Keep in mind that our picks may not always be the best fit for you, and it's important to compare for yourself to find a product that works for you.<\/div>\n        <\/div>\n    <\/div>\n<\/div>\n<h4 id=\"debit-cards\">Taking a debit card to Indonesia<\/h4><p>Many debit cards on the market charge a 2\u20133% fee when you make a purchase or withdraw cash outside the UK. But it\u2019s worth checking with your bank to see if this is the case and if it is, look for a debit card that waives this fee. <\/p><p><a class=\"more-link-arrow\" href=\"ttps:\/\/www.finder.com\/uk\/debit-cards-low-foreign-transaction-fees\">Compare UK debit cards with low transaction fees<\/a><\/p><h4 id=\"travel-money-cards\">Using prepaid travel cards<\/h4><p>If you\u2019re looking at taking a travel money card to Indonesia, do your research. There are very few decent travel money cards on the UK market that allow you to load and spend in Indonesian rupiah. The only real contender is the <a href=\"https:\/\/www.finder.com\/uk\/international-money-transfers\/wise\">Wise Travel Money Card<\/a>. Otherwise, there are a couple of travel cards which may be suitable to take to Indonesia, including the Travelex Travel Money Card. However, a drawback is the 5.75% currency conversion fee.<\/p><p>These cards should only really be considered if Indonesia is the first leg of your international holiday. The Travelex Prepaid Card offers up to 22 different international currencies and can be used all over the world. However, due to the lack of support for Indonesian rupiah, the exchange rate margin when you load the card with funds and the fee structure, there are cheaper products to use in Indonesia than a travel card.<\/p><p><a class=\"more-link-arrow\" href=\"https:\/\/www.finder.com\/uk\/travel-money\/prepaid-cards\">Compare prepaid cards for travelling<\/a><\/p><h4 id=\"credit-cards\">Travel credit cards with no foreign transaction fee<\/h4><p>A credit card can be useful when travelling overseas \u2013 especially when it comes to big-ticket items you may want to pay off over a couple of months, or hotel check-in where a deposit is required. Credit cards also give you access to emergency cash if you need it, and some credit cards have handy benefits like complimentary travel insurance when you charge the cost of your travel ticket to your account.<\/p><p>However, credit cards can be expensive, especially when it comes to withdrawing cash at an ATM. Interest is charged straight away and you\u2019ll pay a cash advance fee. <\/p><p><a class=\"more-link-arrow\" href=\"https:\/\/www.finder.com\/uk\/credit-cards\/travel-credit-cards\">Compare travel credit cards<\/a><\/p><h4 id=\"travellers-cheque\">Using traveller\u2019s cheques<\/h4><p>Traveller\u2019s cheques may not be as popular today as they used to be but they still offer some important advantages over other forms of travel money. When travelling to Indonesia, traveller\u2019s cheques have the added security of needing ID to be cashed. Plus, if they get lost or stolen, they can be replaced in a few days. There will also be a fee for purchasing and cashing traveller\u2019s cheques, so check these out too.<\/p><h3>Travel card, credit card or debit cards?<\/h3><p>Whether you\u2019re on a quick business trip or taking a holiday, it\u2019s good to have an at least a couple of ways to access your money. <\/p><p><span>Most <\/span><a href=\"https:\/\/www.finder.com\/uk\/digital-banking\/challenger-banks-list\">digital banking apps<\/a><span>, which are a great option owing to very low transaction and withdrawal fees, come with either a Visa or Mastercard <\/span><a href=\"https:\/\/www.finder.com\/uk\/best-travel-money-card\">bank card<\/a><span>. They work as normal bank accounts do, so the \u201ctopping up\u201d process simply consists of transferring money into the account.<\/span><\/p><p>Choose a mix that suits your needs: for example a debit card for regular spending with a credit card for emergencies, or Indonesian currency supplemented by a debit card. Whatever mix you decide on, you want to have enough Indonesian currency in your pockets when travelling through Indonesia \u2014 even if it\u2019s enough for the first couple of days.<\/p><div class=\"must-read u-bg--purple-subtle u-rounded--lg\" data-component=\"must-read\">\n    <div class=\"must-read__block\">\n        <h4 class=\"must-read__title\">\n            <span class=\"must-read__title-icon\">\n                <svg width=\"32\" height=\"32\" viewbox=\"0 0 32 32\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                    <path d=\"M26.9325 26.9998H5.0675C3.49 26.9998 2.5 25.3486 3.26625 24.0111L14.1988 5.02734C14.9863 3.65234 17.0138 3.65234 17.8013 5.02734L28.7338 24.0111C29.5 25.3486 28.51 26.9998 26.9325 26.9998Z\" fill=\"#B469FF\"><\/path>\n                    <path d=\"M29.6 23.5113L18.6688 4.52758C18.3956 4.06249 18.0056 3.67686 17.5375 3.40891C17.0694 3.14096 16.5394 3 16 3C15.4606 3 14.9306 3.14096 14.4625 3.40891C13.9944 3.67686 13.6044 4.06249 13.3312 4.52758L2.4 23.5113C2.13717 23.9612 1.99866 24.4728 1.99866 24.9938C1.99866 25.5148 2.13717 26.0265 2.4 26.4763C2.66966 26.9442 3.05896 27.332 3.52795 27.5997C3.99694 27.8675 4.52873 28.0057 5.06875 28.0001H26.9313C27.4708 28.0052 28.0021 27.8669 28.4706 27.5991C28.9391 27.3314 29.328 26.9439 29.5975 26.4763C29.8607 26.0267 29.9997 25.5152 30.0001 24.9942C30.0005 24.4732 29.8625 23.9614 29.6 23.5113ZM27.8662 25.4751C27.771 25.6376 27.6341 25.7719 27.4698 25.8642C27.3055 25.9564 27.1197 26.0033 26.9313 26.0001H5.06875C4.88034 26.0033 4.69446 25.9564 4.53016 25.8642C4.36586 25.7719 4.22904 25.6376 4.13375 25.4751C4.04743 25.3289 4.0019 25.1623 4.0019 24.9926C4.0019 24.8228 4.04743 24.6562 4.13375 24.5101L15.065 5.52633C15.1622 5.36455 15.2997 5.23068 15.4639 5.13773C15.6282 5.04479 15.8138 4.99595 16.0025 4.99595C16.1912 4.99595 16.3768 5.04479 16.5411 5.13773C16.7053 5.23068 16.8428 5.36455 16.94 5.52633L27.8713 24.5101C27.9568 24.6567 28.0015 24.8235 28.0006 24.9933C27.9997 25.163 27.9533 25.3294 27.8662 25.4751ZM15 18.0001V13.0001C15 12.7349 15.1054 12.4805 15.2929 12.293C15.4804 12.1054 15.7348 12.0001 16 12.0001C16.2652 12.0001 16.5196 12.1054 16.7071 12.293C16.8946 12.4805 17 12.7349 17 13.0001V18.0001C17 18.2653 16.8946 18.5197 16.7071 18.7072C16.5196 18.8947 16.2652 19.0001 16 19.0001C15.7348 19.0001 15.4804 18.8947 15.2929 18.7072C15.1054 18.5197 15 18.2653 15 18.0001ZM17.5 22.5001C17.5 22.7968 17.412 23.0868 17.2472 23.3334C17.0824 23.5801 16.8481 23.7724 16.574 23.8859C16.2999 23.9994 15.9983 24.0291 15.7074 23.9713C15.4164 23.9134 15.1491 23.7705 14.9393 23.5607C14.7296 23.351 14.5867 23.0837 14.5288 22.7927C14.4709 22.5017 14.5006 22.2001 14.6142 21.9261C14.7277 21.652 14.92 21.4177 15.1666 21.2529C15.4133 21.0881 15.7033 21.0001 16 21.0001C16.3978 21.0001 16.7794 21.1581 17.0607 21.4394C17.342 21.7207 17.5 22.1023 17.5 22.5001Z\" fill=\"#232320\"><\/path>\n                <\/svg>\n            <\/span>\n            <span class=\"must-read__title-text\">Must read<\/span>\n        <\/h4>\n        <div class=\"must-read__content\">\n            <p>You\u2019re 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.<\/p>\n        <\/div>\n    <\/div>\n<\/div>\n<a id=\"summary\"><\/a><h4>A quick summary of travel money options for Indonesia<\/h4><table class=\"custom-table js-custom-table\" dir=\"ltr\" border=\"1\" width=\"1147\" cellspacing=\"0\" cellpadding=\"0\"><tbody><tr><th>Travel money option<\/th><th>Pros<\/th><th>Considerations<\/th><\/tr><tr><td>Debit cards for travel<\/td><td><ul class=\"list-1\"><li>Avoid currency conversion fees on foreign transactions<\/li><li>Emergency cash facilities<\/li><li>Ideal for managing your travel budget<\/li><\/ul><\/td><td><ul class=\"list-12\"><li>Currency conversion and international ATM fees<\/li><li>Can\u2019t be used over the counter<\/li><li>No emergency cash<\/li><li>No backup cards<\/li><\/ul><\/td><\/tr><tr><td>Prepaid travel money cards<\/td><td><ul class=\"list-1\"><li>Protected by PIN &amp; chip<\/li><li>Pre-load and secure your exchange rate in multiple foreign currencies<\/li><li>Accepted worldwide<\/li><li>Emergency card replacement and backup cards<\/li><li>Ideal for managing your travel budget<\/li><\/ul><\/td><td><ul class=\"list-12\"><li>Local ATM fee<\/li><li>Reloading time<\/li><li>No fee \u2013 assuming cardholder is spending on a currency loaded onto the card<\/li><\/ul><\/td><\/tr><tr><td>Credit cards for travel<\/td><td><ul class=\"list-1\"><li>Protected by PIN &amp; chip<\/li><li>Access to funds up to your credit limit<\/li><li>Accepted worldwide<\/li><li>No currency conversion\/transaction fees<\/li><li>Benefits including rewards points on spending, 0% purchases, frequent flyer perks<\/li><li>Emergency card replacement<\/li><\/ul><\/td><td><ul class=\"list-12\"><li>Can charge high withdrawal fees and interest rates<\/li><li>Higher spending limit (depends on your approved credit limit)<\/li><\/ul><\/td><\/tr><tr><td>Traveller\u2019s cheques<\/td><td><ul class=\"list-1\"><li>Secure and can be easily replaced if lost or stolen<\/li><li>Photo ID needed to cash cheques<\/li><\/ul><\/td><td><ul class=\"list-12\"><li>Can be costly with initial purchase charges<\/li><li>Not all merchants accept traveller\u2019s cheques<\/li><\/ul><\/td><\/tr><tr><td>Cash<\/td><td><ul class=\"list-1\"><li>Greater payment flexibility<\/li><li>Convenience<\/li><\/ul><\/td><td><ul class=\"list-12\"><li>More difficult to manage expenses<\/li><li>Higher risk of theft<\/li><\/ul><\/td><\/tr><\/tbody><\/table><p style=\"text-align: right;\"><em><sub>This table is a general summary of the travel money products in the market. Features and benefits can vary between cards.<\/sub><\/em><\/p><h3>How much Rupiah do I need to bring to the Indonesia?<\/h3><table class=\"custom-table\"><thead><tr><th><\/th><th style=\"text-align: center;\" width=\"30%\">Budget (cheap)<\/th><th style=\"text-align: center;\" width=\"30%\">Mid-range<\/th><th style=\"text-align: center;\">Luxury (high-end)<\/th><\/tr><\/thead><tbody><tr><td><img decoding=\"async\" class=\"aligncenter size-full wp-image-586493\" src=\"https:\/\/www.finder.com\/finder-au\/wp-uploads\/2016\/04\/to-sleep.png\" alt=\"to-sleep\" width=\"80\" height=\"80\" srcset=\"https:\/\/www.finder.com\/finder-au\/wp-uploads\/2016\/04\/to-sleep.png?fit=180 180w, https:\/\/www.finder.com\/finder-au\/wp-uploads\/2016\/04\/to-sleep.png?fit=240 240w\" sizes=\"(max-width: 240px) 100vw, 240px\" loading=\"lazy\"><\/td><td style=\"text-align: center;\">Simple rooms less than \u00a315<\/td><td style=\"text-align: center;\">Double rooms with air-con and Wi-Fi<br>around \u00a325\u2013\u00a360<\/td><td style=\"text-align: center;\">Ayana Bali resort<br>\u00a3650\u2013\u00a3950<\/td><\/tr><tr><td><img decoding=\"async\" class=\"aligncenter size-full wp-image-565657\" src=\"https:\/\/www.finder.com\/finder-au\/wp-uploads\/2014\/08\/mealfortwo.png\" alt=\"mealfortwo\" width=\"80\" height=\"80\" srcset=\"https:\/\/www.finder.com\/finder-au\/wp-uploads\/2014\/08\/mealfortwo.png?fit=180 180w, https:\/\/www.finder.com\/finder-au\/wp-uploads\/2014\/08\/mealfortwo.png?fit=240 240w\" sizes=\"(max-width: 240px) 100vw, 240px\" loading=\"lazy\"><\/td><td style=\"text-align: center;\">Cheap street meals<br>from \u00a31<\/td><td style=\"text-align: center;\">Average full meal \u00a31.50\u2013\u00a33<\/td><td style=\"text-align: center;\">Western food \u00a36<\/td><\/tr><tr><td><img decoding=\"async\" class=\"aligncenter size-full wp-image-585449\" src=\"https:\/\/www.finder.com\/finder-au\/wp-uploads\/2016\/04\/camera.png\" alt=\"camera\" width=\"80\" height=\"75\" srcset=\"https:\/\/www.finder.com\/finder-au\/wp-uploads\/2016\/04\/camera.png?fit=180 180w, https:\/\/www.finder.com\/finder-au\/wp-uploads\/2016\/04\/camera.png?fit=240 240w\" sizes=\"(max-width: 240px) 100vw, 240px\" loading=\"lazy\"><\/td><td style=\"text-align: center;\">Bromo-Tengger-Semeru National Park \u00a312-15<\/td><td style=\"text-align: center;\">Mt. Batur hike \u00a324\u2013\u00a340<\/td><td style=\"text-align: center;\">2-Day All-Inclusive Orangutan Trek in Bukit Lawang \u00a385+<\/td><\/tr><\/tbody><\/table><p><sup>*Prices are approximate and are subject to change.<\/sup><\/p><h3>Exchange rate history (GBP to IDR)<\/h3><table class=\"custom-table js-custom-table\" dir=\"ltr\" border=\"1\" cellspacing=\"0\" cellpadding=\"0\"><tbody><tr><th style=\"text-align: center;\">Year<\/th><th style=\"text-align: center;\">Average annual exchange British pound (GBP) to Indonesian rupiah (IDR)<\/th><\/tr><tr><td style=\"text-align: center;\">2020<\/td><td style=\"text-align: center;\">18641.2657<\/td><\/tr><tr><td style=\"text-align: center;\">2021<\/td><td style=\"text-align: center;\">19683.6033<\/td><\/tr><tr><td style=\"text-align: center;\">2022<\/td><td style=\"text-align: center;\">18338.7638<\/td><\/tr><tr><td style=\"text-align: center;\">2023<\/td><td style=\"text-align: center;\">18957.8126<\/td><\/tr><tr><td style=\"text-align: center;\">2024<\/td><td style=\"text-align: center;\">20272.0008<\/td><\/tr><tr><td style=\"text-align: center;\">2025<\/td><td style=\"text-align: center;\">21725.1503<\/td><\/tr><\/tbody><\/table><p><a id=\"summary\"><\/a><\/p><h3 id=\"money\">A guide to Indonesian banknotes and coins<\/h3><p>Indonesian banknotes are quite different to those we have in the UK so you may want to familiarise yourself with the notes before heading there:<br><img decoding=\"async\" class=\"aligncenter sml-image-center size-full wp-image-601049\" src=\"https:\/\/www.finder.com\/finder-au\/wp-uploads\/2014\/01\/indonesia-banknotes.png\" alt=\"indonesia-banknotes\" width=\"363\" height=\"500\" srcset=\"https:\/\/www.finder.com\/finder-au\/wp-uploads\/2014\/01\/indonesia-banknotes.png?fit=180 180w, https:\/\/www.finder.com\/finder-au\/wp-uploads\/2014\/01\/indonesia-banknotes.png?fit=360 360w, https:\/\/www.finder.com\/finder-au\/wp-uploads\/2014\/01\/indonesia-banknotes.png?fit=600 600w, https:\/\/www.finder.com\/finder-au\/wp-uploads\/2014\/01\/indonesia-banknotes.png?fit=900 900w, https:\/\/www.finder.com\/finder-au\/wp-uploads\/2014\/01\/indonesia-banknotes.png?fit=1089 1089w\" sizes=\"(max-width: 1089px) 100vw, 1089px\" loading=\"lazy\"><\/p><h4>Card acceptance<\/h4><p>You will be able to use your existing ATM card in most places where merchants display the same logo as the one on your card. Mastercard and Visa have wide acceptance in Bali.<\/p><h3>Bottom line<\/h3><p><span>Choose a mix of travel money products that suits your needs. For example, if you\u2019re going to Bali, you can readily use a debit card for regular spending with a credit card for emergencies. As a general rule, it\u2019s probably a good idea to carry enough Indonesian cash on you to cover emergencies, supplemented by a debit card.<\/span><\/p><p><span>While prepaid travel money cards can be useful, there are very few of them that carry Indonesian rupiah.<\/span><\/p><p><span>Make sure you\u2019re able to withdraw cash using a decent prepaid travel money card or no-fee debit or credit card and you should be able to handle all eventualities.<\/span><\/p><article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block has-padding-small\">Our \u201cBest for\u201d picks highlight top options in specific categories based on our independent evaluation (see our <a href=\"https:\/\/www.finder.com\/uk\/finder-score\">full methodology<\/a>), while \u201cPromoted\u201d tags indicate sponsored placements. Selected products may not suit everyone. We track selected market offers, which may not cover every product. Products are listed in no particular order unless specified, and inclusion or ordering may be influenced by popularity or commercial agreements. Most comparison table data is provided by Defaqto or sourced directly from providers. Always evaluate your own circumstances and consider independent advice before making major financial decisions.<\/div><\/article><div class=\"sources sources__f1\">\n    \n  <ul class=\"luna-accordionGroup accordionGroup\">\n    <li class=\"luna-accordion\" data-accordion=\"accordion\">\n      <div class=\"luna-accordion__summary\">\n        <h3 class=\"luna-accordion__heading\" data-toc-label=\"Sources\">\n          <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"sources_0000000002\" data-toggle=\"collapse\" data-target=\"#sources_0000000002\">\n            <span class=\"luna-accordion__title u-text--lg u-font--bold\">Sources<\/span>\n            <svg class=\"luna-icon\" aria-hidden=\"true\">\n              <use href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n              <use href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n            <\/svg>\n          <\/button>\n        <\/h3>\n      <\/div>\n      <div class=\"luna-accordion__details collapse \" aria-hidden=\"true\" id=\"sources_0000000002\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n          <p class=\"sources__description\">Finder writers are subject matter experts and use primary sources, in-depth research and interviews with other experts to ensure you're getting accurate, up-to-date information. Articles are <a href=\"https:\/\/www.finder.com\/uk\/why-trust-us\">fact checked<\/a> in line with our <a href=\"https:\/\/www.finder.com\/uk\/editorial-guidelines\">editorial guidelines<\/a>.<\/p>\n          <ol class=\"u-pl--0 u-text--lg u-font--medium\">\n                                          <li class=\"u-leading--loose\"><a class=\"u-font--medium\" href=\"https:\/\/www.exchangerates.org.uk\/GBP-IDR-exchange-rate-history.html\" target=\"_blank\">Exchange Rates UK<\/a><\/li>\n                                    <\/ol>\n        <\/div>\n      <\/div>\n    <\/li>\n  <\/ul>\n  <\/div>","protected":false},"excerpt":{"rendered":"<p>Make the most of your money when travelling to Indonesia with our guide. <\/p>\n","protected":false},"author":639,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_yoast_wpseo_focuskw":"bali currency","_yoast_wpseo_title":"Best ways to spend travel money in Indonesia and Bali","_yoast_wpseo_metadesc":"What you need to know about cash, currency and taking the right travel money card to Indonesia to access your money conveniently and safely on your 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14:45:43\",\"timezone_offset\":\" +00:00\",\"last_update_summary\":\"We updated this guide to ensure the information is up to date and accessible.\"}","_last_major_update":"","_search_priority":0,"feature_finder_bot_teaser_enabled":false,"feature_finder_bot_teaser_message":"","feature_finder_bot_teaser_placeholder":"","feature_finder_bot_teaser_suggestions":"","footnotes":""},"categories":[525],"tags":[],"asset_tag":[],"class_list":["post-43977","post","type-post","status-publish","format-standard","hentry","category-travel-money"],"apple_news_notices":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.6.1 (Yoast SEO v27.6) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Best ways to spend travel money in Indonesia and Bali<\/title>\n<meta name=\"description\" content=\"What you need to know about cash, currency and taking the right travel money card to Indonesia to access your money conveniently and safely on your trip.\" 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