10 Rules for Withdrawing Money at ATMs in Bali

Nothing ruins a holiday faster than losing your cash or having your card swallowed due to a simple mistake. Using your credit or debit card in Bali is generally safe if you follow these guidelines for withdrawing money. From using airport ATMs to knowing which ones to avoid, this guide covers everything you need to know about cash withdrawal in Bali.

Indonesia has a sophisticated banking system. Locals can pay bills and make purchases without a credit card, which is common. The currency in Bali is the Indonesian Rupiah (IDR).

For a smooth holiday, bring your ATM card and use it confidently, but keep these tips in mind to avoid scams.

1. Withdraw Money at Bali Airport:
   The upgraded Bali airport features new banking facilities. After clearing immigration, you’ll find bank branches and safe ATMs on the left after customs. These ATMs are owned by major Indonesian banks, ensuring your safety when withdrawing local currency.
2. Use ATMs at Major Bank Branches:
   The safest ATMs are those in major bank foyers, like BNI, BRI, BCA, CIMB Niaga, and Bank Mandiri, all of which have 24-hour security. Be mindful that some ATMs dispense cash before your card, so don’t forget to retrieve your card after the transaction.
3. Use Branded Stand-Alone ATMs:
   Look for stand-alone ATMs from major banks, particularly BNI, which are well-maintained and frequently serviced.
4. Avoid Convenience Store ATMs:
   It’s best to steer clear of ATMs inside convenience stores, as they often have higher transaction fees and are more susceptible to fraud. They can attract unsavory characters, especially at night.
5. Avoid Commonwealth Bank ATMs:
   While familiar brands may seem safe, Commonwealth Bank ATMs in Bali can be problematic due to high transaction fees and limited local support. It’s best to stick with local bank ATMs.
6. Go Inside the Bank for Large Transactions:
   Bali ATMs have low withdrawal limits (under 2.5 million IDR). For larger amounts, go inside a bank branch, where transactions are safe and rates competitive, albeit with a small commission.
7. Spot Unsafe ATMs:
   Although security has improved, be cautious. Avoid ATMs that look suspicious or isolated. Check for signs of skimming devices and look for small cameras aimed at the keypad.
8. Stock Up Before Holidays:
   Withdraw cash before major public holidays, as ATMs can run out of cash when locals withdraw large amounts, especially since banks are closed on holidays.
9. Know the Denominations:
   ATMs dispense only Rp 50,000 and Rp 100,000 notes. Opt for Rp 100,000 notes to avoid carrying thick wads of cash.
10. Withdrawal Limits:
    Bali ATMs usually have withdrawal limits between Rp 2,000,000 and Rp 2,500,000 per transaction. If you use an overseas account, check with your home bank for their withdrawal limits, as these will apply regardless of the ATM you use.

For more tips on managing your currency while traveling, consider options like the Transferwise Travel Debit Card, which offers better exchange rates and no overseas transaction fees. If ATMs aren’t your preference, Bali has plenty of money changers available for currency exchange.