Currency Exchange in Bali

If you're planning a trip to Bali, it’s essential to know where it’s safe and profitable to exchange money. The official currency in Indonesia is the Indonesian Rupiah (IDR). You can exchange money at banks, ATMs, hotels, and currency exchange offices, especially in tourist areas like Kuta, Seminyak, Nusa Dua, and Ubud. The best option is to use licensed exchange offices. Avoid exchanging money with individuals — this can lead to scams.
Always check the exchange rate on official bank websites or financial apps. Popular exchange points may require your passport and issue a receipt for large amounts. There are 24/7 exchange points near the airport, but their rates are usually less favorable. Compare several locations in advance to get the best terms. ATMs are also convenient if you’re withdrawing small amounts. One trusted option is the ATM24 service, which offers safe and transparent exchange.

Rates change daily, so keep an eye on updates. Large banks (like BCA or Bank Mandiri) and reputable licensed exchange offices typically offer the best rates. You can check live rates on atm24.pro or use their online calculator or Telegram bot. Be cautious — if someone offers an unusually high rate, it’s likely a scam. It’s better to pay a small premium and be safe.

Some exchange offices don’t charge visible fees but offer worse rates. Others may give you less rupiah than expected, especially for large-denomination notes. Always clarify the terms, read reviews, count your money on the spot, and keep your receipt to avoid problems.

Usually, a passport is required — especially for large amounts over $1,000. In some cases, a copy is enough. Your passport may also be needed for ATM withdrawals. Some places may ask for proof of source of funds, so check their rules in advance.

Yes, you can exchange leftover IDR back into USD, EUR, or RUB — but not everywhere. It’s best to check in advance if reverse exchange is available. The rate will likely be lower than what you paid, so try not to over-exchange. It’s wise to keep a small amount of cash for your last day (e.g., for taxis or airport transfers).

Only use official exchange offices or banks. Check their reputation through reviews and ratings. Avoid street exchanges — they’re common in busy areas but often involve scams. A too-good-to-be-true rate is usually a trap.

Most exchange offices don’t set strict limits, but amounts over $1,000 may require documentation. Some places don’t accept large-denomination notes (like $100 bills), or they offer worse rates for them. They may also break large transactions into smaller ones. Plan your exchange in advance and ask about limits.

Use bank websites, apps, or rate boards at exchange offices. Online calculators show live IDR rates to USD, EUR, and RUB. Note that website rates can differ from physical rates, so it’s best to call or message your chosen location beforehand.

Some are — especially near the airport or in nightlife zones. But most close in the evening. Check opening hours in advance using Google Maps or official websites. If you’re arriving at night, carry some cash for your transfer.

USD, EUR, AUD, RUB, GBP, and other major currencies are accepted in Bali. Less common ones (like Tenge or Baht) may be rejected or have poor rates. Bills should be clean and undamaged. It’s best to bring freshly printed notes.

• Always read exchange rules carefully.
• Save a list of nearby exchange addresses on your phone.
• If paying by card, confirm they accept Visa or Mastercard.
• IDR is not the most stable currency — rates can shift daily.
• Use calculators to compare rates and calculate exact values.
• Shops and restaurants often accept cards, but always keep some cash.
• Know if a passport or extra documents are required.

Knowing these details helps you stay safe and avoid problems abroad.
Safe travels!