Bali runs largely on cash, and the Indonesian rupiah comes with a lot of zeros — 100,000 IDR sounds huge but isn’t much. That zero overload is exactly where travelers lose track. Here’s how to manage money in Bali confidently.
Cash is king
Many warungs (local eateries), drivers and small shops are cash-only. Carry enough for the day, but not a fortune. Bigger hotels, restaurants and tour operators usually take cards.
Using ATMs safely
- Use ATMs attached to banks or inside malls, not standalone street machines.
- Choose machines that dispense 100,000 IDR notes to lower withdrawal fees per trip.
- Always decline “conversion to your home currency” at the ATM — that’s the DCC trap with a poor rate.
Beat the zero confusion
Is that 150,000 or 1,500,000? Misreading rupiah is the most common Bali money mistake. Currencies removes the guesswork — type the amount and see your home currency instantly, even offline. It’s the easiest way to keep your spending honest and your brain free.
Common money scams
Watch for rigged money-changers (count your cash before handing over yours), “broken meter” taxis, and inflated tour prices. Knowing the fair price in your currency makes these much easier to refuse.
Get Currencies on the App Store
Frequently asked questions
Should I use cash or card in Bali?
Carry cash for warungs, drivers and small shops; use cards at larger venues. Always decline ATM/terminal currency conversion.
How much cash should I carry in Bali?
Enough for a day of food, transport and small purchases — not large sums. Top up from bank ATMs as needed.
How do I avoid misreading rupiah?
Convert amounts with an app like Currencies so you always see the real value in your own currency.