A Guide To Managing Money In Bali, Indonesia

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Navigating the Currency Exchange

When visiting Bali, Indonesia, one of the first things to understand is the currency exchange. If you’re visiting from a country that uses a different currency, you’ll need to be prepared to exchange your money. The official currency in Bali, Indonesia is the Indonesian Rupiah. It is important to note that not all establishments will accept credit cards and some may only accept cash.

Before you leave home for your trip, check the current exchange rate for the Indonesian Rupiah. This can help you to plan your spending budget and to determine what your money will be worth when you arrive in Bali. You can easily find the currency exchange rate online.

When you arrive in Bali, you will find many money changers located throughout the island. They are usually easy to identify and are located in tourist areas. Make sure to shop around for the best exchange rate. Some money changers may offer a better rate than others.

Where to Keep Your Cash

Once you have exchanged your foreign currency for Indonesian Rupiah, it is important to keep your cash safe. It is best to keep your money in a secure location such as a hotel safe or a money belt. Some people prefer to use a cross body bag or a pouch that can be tucked under clothing.

When you are out and about, avoid displaying large amounts of cash. This can make you a target for crime. If possible, break up your cash into smaller denominations and store it in different places. This way, if something does happen, you won’t lose all of your money at once.

How to Pay for Items

In Bali, you can use cash or credit cards to pay for most items. However, it is important to know that some small businesses may not accept credit cards, so be prepared to pay with cash.

If you’re paying with cash, it is important to make sure that the vendor is giving you the correct change. Count your change carefully and make sure it is all there before leaving the store or restaurant.

If you’re using a credit card, make sure that the vendor is using the correct exchange rate. Some vendors may try to use a higher exchange rate in order to make more money. It is also a good idea to check your credit card statement when you get home to make sure you were charged the correct amount.

Using ATMs in Bali

ATMs are widely available throughout Bali and can be a convenient way to access money. Before using an ATM, make sure that your bank is affiliated with the ATM and that your card will work.

When using an ATM, make sure that no one is watching you enter your PIN number. Be aware of your surroundings and take precautions to keep your money safe.

It is also important to note that there may be fees associated with using an ATM in Bali. Your bank may charge a fee for withdrawals and the ATM may charge an additional fee. Be sure to ask your bank about these fees before leaving home.

Tipping in Bali

Tipping is not expected in Bali, but it is always appreciated. If you have received good service, it is appropriate to leave a small tip. Many restaurants will add a service charge to the bill, but this is usually only for large groups.

When it comes to tipping, it is best to follow the advice of your tour guide or hotel staff. They can provide you with more information about tipping customs in Bali.

Saving Money While in Bali

Bali is an affordable destination and if you’re careful with your spending, you can save a lot of money. To save money while in Bali, try to avoid buying souvenirs, which can be expensive. Instead, take pictures and buy a postcard as a reminder of your trip.

Also, look for deals and discounts on activities and attractions. Many businesses offer discounts for students, seniors, and military personnel.

Finally, try to stick to a budget. Make sure to budget for food, transportation, and activities. This will help you to stay on track and not overspend.


Managing your money while in Bali, Indonesia can be a bit of a challenge if you’re not familiar with the currency exchange. It is important to be aware of the current exchange rate, to keep your cash secure, and to be aware of fees associated with using an ATM. Tipping is not expected in Bali, but it is always appreciated. Finally, try to stick to a budget and look for deals and discounts on activities and attractions.

By following the advice in this guide, you can ensure that your money is safe and that you’re getting the most out of your trip to Bali.