Bali ATM Machines: Tips and Tricks for a Smooth Withdrawal

Bali ATM machines can be found in various locations, including tourist areas, shopping centers, and outside banks. They are usually available 24/7, but it's best to check the machine's condition and the surrounding area before using it.

Some Bali ATM machines may not be compatible with international cards, so it's essential to check the machine's logo or look for signs that indicate it accepts foreign cards. I've seen some machines that only accept local cards, so it's better to be safe than sorry.

You can withdraw a maximum of 2 million rupiah (approximately $140 USD) per transaction from some Bali ATM machines, but this amount may vary depending on the machine and your card's limit. Keep in mind that some machines may have a daily withdrawal limit.

It's always a good idea to have some local currency, Indonesian rupiah, on hand in case you need to use an ATM that only dispenses local cash.

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Bali airport has recently upgraded its arrivals hall with brand new banking facilities, including ATMs that are completely safe to use.

These ATMs are owned and operated by major Indonesian banks, which means you can withdraw local currency, the Indonesian Rupiah, without worrying about outrageous fees.

The bank branches at the airport are not open 24 hours a day, but if they are open, you can use them to change your local currency to Rupiah with a slightly higher rate than local money changers.

Independent ATM providers at other international airports in South-East Asia charge exorbitant fees, making the ATMs at Bali airport a much safer option.

If you're looking for a trustworthy ATM experience, head to the foyer of a major bank branch, where you'll find ATMs with 24-hour security guards posted.

Brands like BNI, BRI, BCA, CIMB Niaga, and Bank Mandiri have many locations in Bali, and their ATMs are the way to go for a secure transaction.

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Some ATMs at these bank branches deliver your cash first and then your card, so be sure to take your time and collect both before leaving the machine.

If you do happen to forget your card, don't worry – it will be swallowed by the ATM, and you can retrieve it by visiting the branch during opening hours with your passport.

Most cards will work in Bali, especially US, Australian, and UK cards attached to common networks like VISA and Mastercard.

If you have a VISA or Mastercard, you're in luck - these are widely accepted in Bali for most places. However, American Express cards are less likely to be accepted and often come with higher foreign transaction fees.

BCA and BNI ATMs are usually safe to withdraw from, have many locations across popular areas, and don't charge withdrawal fees for certain cards.

It's best to avoid Commonwealth Bank ATMs as they charge high fees and offer rubbish conversion rates. Unbranded ATMs or those in isolated areas are also best avoided.

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You can withdraw money from ATMs at Bali airport, which are completely safe to use and owned and operated by major Indonesian banks. These ATMs are a convenient and trustworthy option to load up on local currency, the Indonesian Rupiah.

It's up to you whether to take cash with you to exchange or withdraw local currency from ATMs when you arrive. We prefer to withdraw cash when we arrive, as there are loads of ATMs across the island where you can withdraw the local currency using your normal bank card.

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You'll want to know about the best travel money advice for Bali, and I'm here to share some insider tips. Consider using a Transferwise Travel Debit Card for managing your currency while traveling, as it saves you money by having better exchange rates on purchases than your bank and doesn't have any overseas transaction fees.

It's essential to have some local currency, Indonesian Rupiah, when you arrive in Bali. You can withdraw cash from ATMs using your normal bank card, and there are loads of ATMs across the island where you can do so.

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BCA ATMs are highly recommended in Bali due to their large number of locations, good level of security, and clean facilities. With Revolut and Wise cards, you don't have to worry about paying any withdrawal fees at BCA ATMs.

For zero withdrawal fees, your safest bet is BCA or BNI ATMs in Bali. If you can't find a BCA ATM, the next best option is BNI, followed by Mandiri, but be aware that Mandiri may charge small withdrawal fees for certain cards.

Here are some recommended ATM locations in Bali:

You can also withdraw money from the ATMs at Bali airport, which are owned and operated by major Indonesian banks, making them completely safe to use.

You'll need to know the withdrawal and limitations of Bali ATMs to navigate them smoothly. The maximum withdrawal limit in Bali is generally Rp 3,000,000 IDR ($184 USD) per transaction, so you'll need to withdraw multiple times if you need more.

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You'll also want to be aware of the daily withdrawal limit, which is usually between Rp 2,000,000 and Rp 2,500,000 (around AUD$200-250) per transaction for machines dispensing Rp 100,000 banknotes, and Rp 6,000,000 in total per day. However, if you're using an overseas account, the daily limit can be circumvented by using ATMs from different banks.

It's worth noting that your home bank will still dictate the maximum withdrawal limit, generally around $300, so be aware that if your transaction is declined, it may be because you've already reached your limit for the day.

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You can withdraw money from the ATMs at Bali airport, which is a convenient and trustworthy option.

The ATMs at the airport are owned and operated by major Indonesian banks, making them safe to use and avoiding the high fees charged by independent ATM providers.

You can withdraw local currency, the Indonesian Rupiah, from the ATMs at the airport.

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The bank branches at the airport may not be open 24 hours a day, but the ATMs are available for use.

If you need to change your local currency to Indonesian Rupiah, you can use the bank branches at the airport, although the rate may be slightly higher than at local money changers.

The difference in exchange rate between using the bank branches and local money changers is less than 1%, making it not worth worrying about.

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Withdrawal limits on ATMs can be a bit tricky in Bali. The withdrawal limit on ATMs in Bali is usually between Rp 2,000,000 and Rp 2,500,000 per transaction.

If you're using an overseas account, be aware that your home bank may dictate a maximum withdrawal limit of around $300, regardless of which ATMs you use.

You can circumvent the daily limit by using ATMs from different banks, but this may not always work.

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The maximum withdrawal limit in Bali is generally Rp 3,000,000 IDR ($184 USD) per transaction.

To withdraw large amounts of cash, it's recommended to go to a trusted Indonesian bank branch instead of a stand-alone ATM, as it's much safer.

Most ATMs in Bali dispense Rp 100,000 notes, but some may dispense Rp 50,000 notes, such as Mandiri and Maybank.

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Use ATMs attached to Indonesian banks, such as BCA, BNI, Bank Mandiri, and Maybank, for safer withdrawals.

Avoid withdrawing from ATMs in lesser-known, isolated areas that look old or dodgy.

If an ATM's card slot wiggles too much or comes off easily, it's a red flag – someone might swipe your card.

To check if an ATM is secure, jiggle the card slot before inserting your card.

For large amounts of cash, opt for bank branch ATMs instead of stand-alone machines.

Avoid using unbranded, unknown ATMs located inside convenience stores.

Always select the local currency, IDR, when paying with a card to get the best exchange rate.

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You can find ATMs in Bali that don't charge any fees, but be aware that some do charge a small withdrawal fee.

BCA and BNI ATMs are known to have zero fees, so keep those in mind when searching for a fee-free ATM.

The type of card you have can also affect whether you pay a fee, with some cards like Wise and Revolut usually having no fees for withdrawals from ATMs around the world.

Matthew and I both have Wise and Revolut cards, and we can confirm that we've withdrawn money for free from BCA or BNI ATMs in Bali.

Some banks may charge you for overseas cash withdrawals or card transactions, so check with your home bank before leaving to avoid any surprises.

If your bank does charge you, consider getting a traveller-friendly card like Revolut or Wise, which offer free international transactions and excellent exchange rates.

Wise offers free withdrawals up to a certain limit, but then charges a fee, while Revolut offers free withdrawals up to £200 or 5 transactions per month before charging a 2% fee.

Always pay in the local currency if asked, as some card terminals may try to charge you in your home currency, which can result in a much worse exchange rate.

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To withdraw safely and easily in Bali, it's best to use ATMs from trusted banks like BCA, BNI, and Mandiri Bank. These banks usually have many locations across popular areas and don't charge withdrawal fees for certain cards.

Be cautious of unbranded ATMs or those in isolated areas, as they may be dodgy. If you don't want to pay high fees or get rubbish conversion rates, avoid Commonwealth Bank ATMs.

To avoid scammers, jiggle the card slot before inserting your card, and have a local currency, Indonesian Rupiah (Rp), in your wallet, especially around Rp 200,000 (approx. $13 USD).

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If you're looking for a safe and hassle-free way to withdraw money in Bali, you'll want to know which ATMs to look for. BCA ATMs are the way to go, with a large number of locations across the island and clean facilities.

One of the best things about BCA ATMs is that you won't have to worry about paying any withdrawal fees if you have a Revolut or Wise card.

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BCA is not the only option, though - BNI and Mandiri ATMs are also reliable choices.

You can find BCA ATMs in popular areas like Canggu, Kuta, and Seminyak, as well as at bank branches.

Here are some specific locations to look out for:

If you can't find a BCA ATM, BNI is the next best bet - they're widely available and often have good security measures in place.

Now that you know the best ATMs to use in Bali, it's time to withdraw your cash wisely. The best ATMs in Bali are BCA and BNI, which are usually safe to withdraw from and don't charge withdrawal fees for certain cards.

To avoid high fees or poor conversion rates, steer clear of Commonwealth Bank ATMs. You should also be cautious of unbranded ATMs or those in isolated areas, as these may be more prone to scams.

Having a few hundred thousand Indonesian Rupiah (Rp) in your wallet is a good idea, especially in case you need cash for small purchases or emergencies. The official currency in Bali is the Indonesian Rupiah, and you can easily exchange it at currency exchange offices or withdraw it from ATMs.

Here are the trusted banks in Bali to withdraw from:

By following these tips, you can withdraw your cash safely and enjoy your holiday or digital nomad adventures in Bali.

The trusted banks in Bali are BCA, BNI, and Mandiri Bank, so it's a good idea to look for one of these when you need to withdraw cash. They usually have a large number of ATM locations across the island.

You can use your US, Australian, or UK card in Bali, as long as it's attached to a common network like VISA or Mastercard. This is good to know, especially if you're planning a trip.

BCA and BNI ATMs are your safest bet for zero withdrawal fees, making them a great option for withdrawing cash. They also have a good level of security and clean facilities, which is a bonus.

The official currency in Bali is the Indonesian Rupiah (Rp), so it's a good idea to have some of this currency on hand, especially if you're planning to explore the island. You can exchange your money at a bank or use an ATM to withdraw some local cash.

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Here are some trusted ATM locations in Bali to look for:

It's a good idea to have a backup plan in case your card gets swallowed or you encounter any issues, so consider having a second card or a Revolut or Wise card on hand.

If you're looking for alternatives to BCA ATMs, BNI is a good option to consider. They have a large number of ATM locations across Bali with good security and clean facilities.

You can also use Mandiri ATMs, but be aware that they may charge small withdrawal fees for certain cards.

If you can't find a BCA or BNI ATM, you can try withdrawing cash from the airport ATMs.

Here are some ATM locations in Bali to consider:

If you prefer to take cash with you, it's best to exchange it for rupiah once you arrive in Bali.