ATMs are everywhere, from Ubud to Canggu and Uluwatu. For safety, choose machines belonging to major banks such as BCA, BNI, Mandiri or BRI.

Tips for withdrawing cash:

• Select “Without Conversion” to avoid unfavorable exchange rates

• Most ATMs have limits of 1,250,000 – 3,000,000 IDR per transaction

• Check with your bank at home for any extra fees

• ATMs inside banks or shopping malls are safer than standalone machines

Visa and Mastercard are widely accepted in hotels, upscale restaurants, beach clubs and larger stores. Be aware that a small service fee of 1–3% may sometimes be added.

For smaller purchases at local warungs, markets or street stalls, cash is the easiest option. In general, use your card for bigger payments and cash for smaller ones.

Money changers are everywhere, but always choose official and reputable outlets that provide a receipt and clear rates. Avoid small kiosks with unusually high rates. Always count your money before leaving. Offices like PT Central Kuta Money Exchange are known for reliability and safety.

To give an idea of typical cash needs:

• Meal in a warung: 20,000–60,000 IDR

• Scooter or taxi: 20,000–200,000 IDR

• Temple entrance fees: 30,000–100,000 IDR

• Local snacks/drinks: 10,000–50,000 IDR

A typical day could look like this: breakfast in a warung with cash, temple entrances with cash, cocktails at a beach club with card, scooter rental with cash, and dinner at a restaurant with card plus a small cash tip.

• Avoid Dynamic Currency Conversion (DCC)

• Always pay in Rupiah, not your home currency

• Use your card mainly for larger amounts

• Consider a prepaid travel card or credit card with no withdrawal fees