Bali ATM Guide & Tips To Save Money

We always try to make sure to waste as little money as possible while traveling, so we can use the money for fun activities. Giving money away to Bali ATM banks is not our favorite thing to do.

This money guide will let you know which ATM’s are free, which are not. What the real exchange costs are if you go to a currency exchange office, what to look out for and more.

As an affiliate, I may earn a small commission for purchases on the links provided at no extra cost to you – disclaimer. All the tours and services I recommend are carefully selected and I use them myself throughout our travels.

💸 We use Revolut for our travels around the world. They are very easy to setup and to use and they have the best exchange rates!

Quick Key Info when visiting Bali

Trusted Banks: Rely on BCA, BNI, and Mandiri Bank for safe ATM use in Bali.
Fee-Free Withdrawals: Enjoy no charges at these ATMs, especially with Revolut or Wise cards.
Local Currency: Bali’s currency is the Indonesian Rupiah (Rp).
Avoid Risky ATMs: Skip withdrawals in remote, isolated spots.
Better Rates: Opt for main area ATMs over airport ones for lower fees and fairer exchange rates.
Cash Backup: Keep some cash money at hand for emergencies.
Exchange office: They normally charge 2%

✅ Bali ATM Without Fees

Mandiri
Commonwealth
HSBC
Maybank
Danamon
BNI

❌ ATMs That Charge a Fee

BCA (Bank Central Asia): 10% fee
CIMB Niaga – Depends on location. Up to 75,000 IDR
BRI: 50,000 IDR
Permata Bank: 50,000 IDR

🧠 Quick Tips for Using ATMs in Bali

Use ATMs attached to bank branches for added safety
Look out for small camera’s above the numeric keys – skimmers tend to install a small camera to look at the pin code and later steal your wallet.
Avoid stand-alone ATMs at dodgy places or ATM’s in convenience stores, especially at night. These are often targeted by skimmers.
For larger transactions above $150, go to a local bank between 09-15hr. They are perfectly safe – check the exchange rate they are using.
Always choose to be charged in IDR (local currency) – it’s cheaper than your home currency
Typical withdrawal limits: 2,500,000 IDR per transaction $150
Don’t Forget Your Card! Some ATMs in Bali give you cash before your card – which can be confusing if you’re used to it being the other way around. So make sure you wait around and get your card! If you forget it and its in too long, most ATM’s swallow the card, which you can retreive again by contacting the bank during office hours.

💰 Currency Exchange Office Rates Bali

Pretty much everywhere you go there will be offices alongside the road where you can exchange currencies, telling you they take 0 commission. Well, they all take around a 2% commission with their exchange rates.

They are almost all the same. Going to one of the above ATM’s is cheaper than exchanging your hard earned money to the Indonesian rupiah. I use this app throughout the world to calculate and it works offline also.

📲 Want More Tips?

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