Bali Currency | The Ultimate Guide to Money in Bali for Foreigners

Navigating money matters in Bali doesn't have to be confusing. Whether you're planning your first trip or need updated info for your next visit, this guide covers everything you need to know about handling money in Bali like a pro.

What Currency Does Bali Use?

Bali uses the Indonesian Rupiah (IDR). You'll see prices marked with "Rp" followed by the amount. Since Bali is part of Indonesia, the rupiah is the only legal currency accepted throughout the island.

Quick Money Facts

• Currency symbol: Rp

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• Current exchange rate: About 16,400 IDR per 1 USD (as of September 2025)

• Banknotes: 1,000 to 100,000 rupiah

• Coins: 100, 200, 500, and 1,000 rupiah

Understanding Rupiah Values

The large numbers can feel overwhelming at first. Here's a simple breakdown:

Getting Money in Bali: Your Options

1. ATMs: Easy and Reliable

ATMs are your best friend in Bali. They're everywhere and offer good exchange rates.

Where to Find Safe ATMs:

• Inside bank branches (safest option)

• Shopping malls and hotels

• Major tourist areas like Seminyak and Ubud

ATM Tips:

• Use machines from major banks: BCA, BNI, Mandiri, or Permata

• Withdraw larger amounts to minimize fees

• Wait for your card - many ATMs give cash first, then return your card

• Maximum withdrawal: Usually 1.25-3 million rupiah per transaction

• Always choose to be charged in IDR, not your home currency

2. Money Changers: Better Rates for Cash

Money changers often give better rates than ATMs, especially for larger amounts.

Best Money Changers:

• BMC (Bali Maspintjinra) - multiple locations

• Central Kuta Money Exchange

• Look for "Authorized Money Changer" signs

Money Changer Safety Rules:

1. Use popular places on main streets

2. Check rates online first

3. Count your money before leaving

4. Keep your receipt

5. Avoid back-alley exchanges

3. Credit and Debit Cards

Cards work well in tourist areas but cash is still king.

Where Cards Are Accepted:

• Hotels and resorts

• Upscale restaurants

• Shopping malls

• Tourist attractions

Card Tips:

• Visa and Mastercard work best

• Expect 3% surcharge at some places

• Notify your bank about travel plans

• Have backup cash for small vendors

Digital Payments in Bali

Bali is embracing digital payments through QRIS (Quick Response Indonesian Standard).

1. Using Digital Wallets

Popular apps like GoPay, Dana, and OVO let you pay by scanning QR codes. As a foreigner, you can:

• Download GoPay app

• Link your credit card or top up with cash at convenience stores

• Scan QRIS codes to pay

2. Where Digital Payments Work

• Convenience stores (Indomaret, Alfamart)

• Some restaurants and cafes

• Tourist attractions

• Transportation services

Smart Money Tips for Your Bali Trip

1. Before You Go

• Check current exchange rates

• Notify your bank about travel plans

• Research ATM fees with your bank

• Consider getting a travel card with good rates

2. In Bali

• Keep cash in different safe places

• Use hotel safes for large amounts

• Carry small bills for tips and small purchases

• Keep receipts from money changers

3. Budget Planning

Daily costs vary widely based on your style:

Budget Travel: $30-50 USD per day

• Local warungs for meals

• Scooter transportation

• Basic accommodations

Mid-Range: $50-100 USD per day

• Mix of local and tourist restaurants

• Comfortable hotels

• Tours and activities

Luxury: $100+ USD per day

• High-end dining and spas

• Luxury resorts

• Private transportation

Tipping Culture in Bali

Tipping isn't required but is appreciated, especially in tourist areas.

1. When and How Much to Tip

• Restaurants: 10% if no service charge, or round up the bill

• Hotels: 20,000-50,000 IDR for housekeeping per day

• Drivers/Guides: 50,000-100,000 IDR for full day service

• Spas: 10-15% of treatment cost

Many restaurants automatically add a 10-20% service charge, so check your bill first.

Safety and Scam Prevention

1. Money Changer Scams to Avoid

• Calculators with fake numbers

• Short-changing while counting

• Damaged or counterfeit notes

• Hidden fees or commissions

2. ATM Safety

• Cover your PIN when entering

• Check for any suspicious attachments on card slots

• Use ATMs inside banks when possible

• Temporarily freeze your card if you suspect fraud

Practical Money Management

1. Essential Cash Amounts

Keep these amounts handy:

• Daily spending: 200,000-500,000 IDR

• Emergency fund: 1,000,000 IDR

• Small bills: Mix of 10,000-50,000 notes for tips and small purchases

2. Exchange Timing

• Don't exchange everything at once

• Monitor rates and exchange when favorable

• Keep some home currency for emergencies

• Exchange remaining rupiah before leaving (limited use outside Indonesia)

Transportation and Money

Getting around Bali requires different payment methods:

1. Scooter Rentals

Most scooter rental companies accept:

• Cash (preferred)

• Credit cards (some locations)

• Bank transfers

Pro tip: Rent a scooter to explore Bali's hidden gems and save on transportation costs. Many rental services offer delivery to your accommodation.

2. Other Transport Options

• Gojek/Grab: Digital payment through apps

• Taxi: Cash or card

• Tour drivers: Usually cash, negotiate rates beforehand

Money-Saving Strategies

1. Eat Like a Local

• Warungs: Local eateries with meals under 30,000 IDR

• Markets: Fresh produce and street food

• Happy hours: Many bars offer discounts

2. Smart Shopping

• Bargain at markets: Expected and part of the culture

• Shop on smaller streets: Better prices than main tourist areas

• Buy in bulk: Snacks and water from supermarkets

3. Free Activities

• Beach time

• Temple visits (small donation expected)

• Rice field walks

• Sunset viewing

Emergency Money Situations

1. If Your Card Gets Blocked

• Contact your bank immediately

• Use backup payment methods

• Visit bank branches for assistance

• Keep emergency cash separate

2. Lost Wallet or Cash

• Report to local police

• Contact your embassy if needed

• Use money transfer services like Western Union

• Keep copies of important documents separate

Final Money Tips for Bali

1. Diversify payment methods: Carry cash, cards, and have digital wallet options

2. Stay informed: Exchange rates change daily, check before large exchanges

3. Be respectful: Learn basic Indonesian phrases for transactions

4. Plan ahead: Research costs for activities you want to do

5. Stay safe: Use common sense with money handling

Ready to Explore Bali?

Now that you're equipped with money knowledge, it's time to experience Bali's incredible culture, food, and landscapes. Whether you're planning to ride through rice fields, visit ancient temples, or relax on pristine beaches, having the right money strategy makes everything smoother.

Need reliable transportation for your Bali adventure? Book your scooter rental and explore the island at your own pace. With convenient pickup and delivery options, you can start your journey right from your accommodation.

Planning your Bali trip? Check out more travel tips and make the most of your Indonesian island experience.