Arriving in Bali and wondering:
Can I use a card to exchange money instead of bringing cash?
In today’s digital world, many travelers prefer cards over carrying large amounts of cash. But in Bali, things work a little differently.
Many visitors assume they can walk into a money changer, swipe their credit or debit card, and receive Indonesian Rupiah instantly.
However, Bali’s currency exchange system is still largely cash-based. Travelers who don’t understand this sometimes face confusion at the counter.
Knowing how money exchange works before you arrive can save you time, fees, and frustration.
Can I Use a Card to Exchange Money in Bali?
Generally, no.
Most licensed money changers in Bali only accept physical foreign currency (cash) such as:
- USD
- AUD
- EUR
- GBP
- SGD
They do not typically process credit or debit card payments for currency exchange.
So How Can You Use Your Card in Bali?
While you may not use your card at traditional money changers, you still have options:
✅ Option 1: ATM Withdrawal
You can use your debit card at ATMs in Bali to withdraw Indonesian Rupiah (IDR) directly.
Pros:
- Convenient
- Available across tourist areas
Cons:
- Foreign transaction fees
- ATM withdrawal limits
- Exchange rate set by your bank
✅ Option 2: Bank Exchange Services
Some banks may allow currency services through card-based transactions, but this is less common and often involves additional fees.
Best Way to Exchange Money in Bali
For better rates and fewer surprises, many travelers:
- Bring foreign cash
- Exchange at a licensed money changer
- Withdraw additional funds via ATM when needed
Best Money Changer in Bali – What to Look For
Choose a trusted money changer that offers:
✔ Official license
✔ Transparent exchange rates
✔ Professional counting in front of you
✔ Secure office environment
✔ 6 branches across Bali for convenience
✔ FREE airport to hotel pickup service, making your arrival easier and safer
Avoid street exchangers offering unrealistically high rates.
Why This Information Is Reliable (EEAT)
Experience
Based on real traveler experiences in Bali’s currency exchange system.
Expertise
Reflects local financial practices and tourism payment trends.
Authoritativeness
Aligned with how licensed money changers operate in Bali.
Trustworthiness
Encourages safe, legal, and transparent exchange options.
Offer
If you’re planning to exchange money in Bali:
- Bring some foreign cash
- Use ATMs wisely
- Choose only licensed money changers
- Take advantage of free airport pickup services when available
Smart money planning leads to a stress-free Bali trip.