What Currency Do You Need in Bali and Tips for Visitors

Thinking about jetting off to Bali?  You’ll need Indonesian Rupiah (IDR).

But that's not all - read on to learn everything about cash, credit cards and spending in Bali. 

Whether you’re imagining sipping cocktails by the beach or exploring ancient temples, one thing’s for sure—you’ll need to know what currency to bring.

Don’t worry, I’ve got you covered! Let’s dive into what currency you need in Bali and a few handy tips to help you make the most of your money while you’re there.

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The Currency in Bali: Rupiah (IDR)

In Bali, the local currency is the Indonesian Rupiah (IDR), and you’ll see the symbol Rp on all transactions.

The denominations can make you feel like a millionaire! Banknotes range from Rp 1,000 to Rp 100,000, and coins are available too, though they’re not used as much.

Here’s a quick breakdown of the most common denominations you’ll come across:

• Rp 5,000, Rp 10,000, Rp 20,000
• Rp 50,000, Rp 100,000 for larger purchases

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Should You Exchange Currency Before You Arrive?

It’s often cheaper to exchange Aussie dollars in Bali rather than before you leave.

Stick to reputable places like BMC and avoid money changers that offer too-good-to-be-true rates.

You might also want to bring a little cash with you from home for those first few hours after landing—just enough for a taxi or a quick snack.

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Using ATMs in Bali

Bali is dotted with ATMs, especially in tourist spots like Seminyak and Ubud. Here’s what you need to know:

• Best ATMs: Use those inside banks or at Denpasar airport for safety.
• Avoid Convenience Store ATMs: They may seem handy, but they often come with high fees and the risk of card skimming.
• Carry cash for small purchases: Some smaller shops or warungs only accept cash.

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Can You Use Your Credit or Debit Card?

Yes, cards are widely accepted, especially in hotels, restaurants, and larger shops. But don’t rely solely on your card—cash is still essential in many local places like markets, temples, or when catching a taxi.

To save on fees, consider a travel money card like the Wise card, which gives you access to the best exchange rates and lets you avoid foreign transaction fees.

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How Much Cash Should You Carry?

It’s a good idea to have some small bills handy (Rp 5,000–Rp 20,000) for things like:

• Taxis or local transport
• Temple entrance fees
• Snacks from street vendors or markets

If you’re heading to tourist spots like waterfalls or temples, remember that entry fees are usually cash-based, and parking attendants may charge a small fee (Rp 3,000–Rp 5,000).

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Tips for Exchanging Currency

When exchanging your money, follow these tips:

• Avoid airports and hotels: They tend to have worse rates and higher fees.
• Stick to trusted exchange offices: Always count your cash before leaving the counter.
• Check rates online: Familiarise yourself with the current exchange rates to avoid getting shortchanged.

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Tipping in Bali

Tipping isn’t required, but it’s always appreciated. Here’s a quick guide:

• Restaurants and Cafes: A 5-10% tip is more than enough.
• Drivers: A small tip for your driver is appreciated, especially if they’ve gone above and beyond.
• Service charge: Some places already include a service charge, so you may not need to tip extra.

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VAT Refunds: Get Some Money Back!

When shopping in Bali, if you spend over Rp 500,000 in one store, you can claim back 11% VAT at the airport.

Just remember to ask for a tax-free receipt at the time of purchase and keep all your receipts handy for when you depart.

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Final Thoughts and Tips for Visitors

Managing your money in Bali doesn’t have to be a hassle. Here are a few things to keep in mind:

• Carry both cash and cards: You’ll need cash for small transactions, but cards work for larger purchases.
• Stick to reputable money changers: Avoid shady places that offer unrealistically high rates.
• Be cautious with ATMs: Use those inside banks for added safety.

With these tips, you’re ready to enjoy Bali without stressing about your wallet.

Whether you’re lounging on the beach or exploring temples, a little preparation goes a long way in making your trip smooth and worry-free.