Planning a holiday in Bali? You’ll be using the Indonesian rupiah. What is it worth, where can you withdraw cash, and will you still need cash during your stay? Here you’ll find practical tips for paying, withdrawing money and exchanging currency in Bali.
Making sense of Indonesian rupiah
With all those zeros, prices in Bali can take a little getting used to. Fortunately, you do not need to be a millionaire to enjoy your holiday! 😊
To help you get a feel for local prices, here are some useful conversions based on the latest available European Central Bank reference rates, dated 30 October 2026.
| Indonesian rupiah | Euros | US dollars | Australian dollars | British pounds | Chinese yuan |
|---|---|---|---|---|---|
| Rp 50,000 | €2.47 | US$2.76 | A$3.92 | £2.06 | CN¥18.33 |
| Rp 100,000 | €4.93 | US$5.51 | A$7.84 | £4.11 | CN¥36.66 |
| Rp 500,000 | €24.66 | US$27.55 | A$39.22 | £20.56 | CN¥183.29 |
| Rp 1,000,000 | €49.32 | US$55.10 | A$78.44 | £41.12 | CN¥366.59 |
A quick way to estimate prices
For everyday holiday spending, remembering what Rp 100,000 is worth can make things much easier:
- Europe: approximately €5
- United States: approximately US$5.50
- Australia: approximately A$8
- United Kingdom: approximately £4
- China: approximately CN¥37
Something costs Rp 50,000? Simply halve those amounts. Spending Rp 200,000? Double them.
Keep a currency converter on your phone
Save a currency converter on your phone and check the current rate before exchanging money or making a larger purchase. Before long, those thousands and millions will feel much more familiar.
Exchange rates change. The amounts above are a dated guide, and the rate offered by your bank, card provider or money changer may differ. Fees can also affect the amount you actually pay.
Can you withdraw cash in Bali?
Bali has plenty of cash machines, usually marked ATM. Choose a machine belonging to an established Indonesian bank, such as:
- BCA
- BNI
- BRI
- Mandiri
Preferably use a machine inside or beside a bank, supermarket or another well-lit location.
Check the machine before inserting your card. If the card slot looks unusual, damaged or loose, use a different machine. Always cover the keypad when entering your PIN.
Before travelling, check that your card is enabled for use in Indonesia. You can usually check your overseas card settings in your banking app or online banking account.
Choose Indonesian rupiah when withdrawing cash
A cash machine may offer to convert your withdrawal into your home currency. Choose to withdraw in Indonesian rupiah (IDR) and decline the machine’s currency conversion.
Your card provider will then handle the conversion. This is usually better value than accepting the exchange rate offered by the cash machine.
Both the ATM operator and your own bank may charge withdrawal fees. It can therefore be more economical to make one reasonably sized withdrawal than to withdraw a small amount every day.
Do you need cash in Bali?
Although hotels, larger restaurants and shops often accept debit or credit cards, cash is still important in Bali. This is especially true in North Bali, where many payments are made in cash.
You’ll often need cash for:
- Small warungs and local shops
- Traditional markets
- Massages and small salons
- Tips for staff and guides
- Local excursions and entrance fees
- Small purchases while you’re out exploring
Avoid withdrawing your entire holiday budget at once. Keep a modest amount in your wallet and store the rest somewhere secure. The main bedroom at Villa Bima Sena has a safe for cash, passports and other valuables.
Where can you exchange money in Bali?
If you’d like to exchange your currency for Indonesian rupiah, use an authorised money changer. Check the exchange rate and any commission before handing over your money.
Always count the cash yourself before leaving the counter. An exchange rate that looks significantly better than those offered elsewhere may not be the bargain it appears to be.
In Lovina, Tip Top is a place we use for currency exchange. Our driver knows where to go and is happy to help.
At the airport, you can exchange or withdraw a small amount for your first day. Once you’ve settled in, you can find a bank or a reliable money changer.
Should you bring a debit card, a credit card or cash?
We recommend bringing both a debit card and a credit card, stored separately. That gives you a backup if one card doesn’t work, gets damaged or goes missing.
Bring a small amount of cash as well. You don’t need to arrive with a large supply of Indonesian rupiah: you can withdraw money or exchange currency once you’re in Bali.
Frequently asked questions about money in Bali
How much is Rp 100,000 in euros, US dollars, Australian dollars, British pounds or Chinese yuan?
Those zeros can be confusing at first! 😊 As a quick guide, Rp 100,000 is approximately:
- €5 in euros
- US$5.50 in US dollars
- A$8 in Australian dollars
- £4 in British pounds
- CN¥37 in Chinese yuan
These rounded amounts are based on exchange rates dated 30 October 2026. Check the current rate before exchanging money, as rates change and fees may apply.
Can I use my debit card to withdraw cash in Bali?
Many official cash machines accept international debit cards. Check with your bank before travelling that your card can be used in Indonesia, and check any overseas withdrawal fees or limits.
Can I pay in euros, pounds or Australian dollars in Bali?
Everyday payments are normally made in Indonesian rupiah. You can exchange foreign currency at an authorised money changer that accepts your currency.
Do I need a credit card in Bali?
You won’t need a credit card everywhere, but it’s useful as a backup. Larger hotels, restaurants and shops often accept credit cards.
Where can I withdraw cash during my stay?
During your stay at Villa Bima Sena, you can ask Budi or our driver where to withdraw or exchange money locally. That way, you can spend less time thinking about millions of rupiah and more time enjoying your holiday.
Plan your North Bali holiday at your own pace and explore Villa Bima Sena by the sea.
