Visiting Bali soon? Along with knowing where to go and what to eat, understanding how money works on the island will make your trip smoother and more enjoyable. This complete guide explains everything you need to know about using Indonesian Rupiah (IDR) in Bali, how to exchange money, where to use credit cards, and what each note is worth in real-world examples.
What Currency Is Used in Bali?
Bali uses the Indonesian Rupiah (IDR) as its official currency. It’s pronounced “roo-pee-ah,” and often written with the symbol Rp. You will quickly get used to seeing lots of zeroes, prices for basic items often range in the thousands or tens of thousands, but don’t let that intimidate you. For reference, Rp 100,000 is around $6 – 7 USD, depending on exchange rates. The currency is colorful, featuring national heroes, cultural icons, and beautiful island imagery.
Most Common Banknotes:
Rp 1,000 – Rp 2,000: Used for tiny purchases or tipping.
Rp 5,000 – Rp 10,000: Good for snacks, water, or short rides.
Rp 20,000 – Rp 50,000: Ideal for meals, entrance tickets, or mid-size purchases.
Rp 100,000: Best for larger purchases like dining, spa treatments, or transport.
Coins also exist (Rp 100, 200, 500, 1,000), but they’re rarely used in tourist areas.
Where to Exchange Money in Bali
1. Authorized Money Changers
The most convenient and safe option for most travelers. These are easy to find in tourist-heavy areas like Canggu, Seminyak, Ubud, Kuta, and Sanur. Look for signs that say “Authorized by Bank Indonesia” and avoid street-side booths offering unusually high rates, they may try to scam you with quick hands or hidden fees. Always count your money slowly before leaving the counter. A receipt is a good sign of transparency.
2. Banks
Banks such as BCA, Mandiri, BNI, and BRI are great options for reliable currency exchange. They operate during weekdays (typically 9 AM to 3 PM). While the rates are fair, you may have to wait in line, especially in urban areas.
3. ATMs
ATMs are available across Bali and are a practical option for withdrawing Rupiah. They accept most international cards (Visa, Mastercard, Cirrus, Plus). Withdrawal limits vary, usually around Rp 2,000,000 to 3,000,000 per transaction. Use ATMs located inside bank branches, supermarkets, or minimarkets like Indomaret or Circle K to avoid card skimming risks.
Can You Use Credit or Debit Cards in Bali?
You can use credit or debit card in Bali, but cash is still essential. Credit and debit cards are accepted at most hotels, high-end restaurants, beach clubs, spas, and supermarkets. Visa and MasterCard are the most commonly accepted, while American Express may be declined in smaller establishments.
However, many places still operate on a cash-only basis, including local markets and night bazaars, warungs (family-run eateries), small souvenir shops, street vendors and some taxis. Some merchants may also add a 2–3% surcharge for card payments to cover processing fees. Always carry cash for daily purchases, especially if you are exploring more rural areas or planning to bargain at local shops.
What Can You Buy with Each Rupiah Note in Bali?
Let’s break down real-world examples of what each bill can buy. This will help you plan your daily budget and avoid awkward moments at cash-only spots.
1. Rp 1,000 – Rp 2,000
Useful for: Parking attendants, street-side restrooms, or adding to small cash amounts.
These small bills are most useful for minor tips or token purchases. Pay for public toilets in markets or tourist sites (usually Rp 2,000). Leave a small tip at a local cafe or parking lot. Buy a small krupuk (crackers) packet or lollipop at a roadside stall.
2. Rp 5,000
Useful for: Solo snacks, drinks, short stops, or as part of a small tip.
This note is handy for quick snacks or small services. Get a local-style black coffee (kopi tubruk) at a warung. Buy a banana fritter (pisang goreng) from a street vendor. Pay for short-term motorbike parking in tourist areas.
3. Rp 10,000
Great for: Staying hydrated and grabbing quick bites between sightseeing spots.
This mid-range bill can go surprisingly far. Buy a 1.5-liter bottle of water or a soft drink. Get a bowl of bakso (meatball soup) from a roadside stall. Purchase fresh fruit like a sliced mango or papaya.
4. Rp 20,000
Versatile for: Meals, snacks, fuel, or refreshing drinks after a long walk in the sun.
One of the most commonly used notes among travelers. Fill your scooter with around 2 liters of gasoline. Enjoy a plate of nasi goreng or mie goreng at a simple warung. Buy a fresh coconut on the beach or a cold Bintang beer.
5. Rp 50,000
Ideal for: Half-day expenses, casual dining, or short tours.
A practical bill for small adventures and decent meals. Sit down at a mid-range café for brunch or lunch. Pay for entry to a waterfall or cultural site like Tegenungan or Taman Ayun. Get a basic spa treatment like a reflexology foot massage (30 mins).
6. Rp 100,000
Best for: More upscale experiences, tours, and shopping in one go.
Your go-to for larger expenses or bundling smaller purchases. Treat yourself to dinner at a beach bar or popular restaurant. Get a 1-hour Balinese massage at a mid-range spa. Hire a private driver for 1–2 hours in the local area. Pick up a few souvenirs like wooden crafts, jewelry, or woven bags.
Extra Tips for Managing Money in Bali
- Break big bills early at convenience stores or cafes, some vendors won’t have change for Rp 100,000.
- Always check your change after paying, especially at local markets.
- Tip in cash, especially drivers, spa staff, and tour guides.
- Use real-time currency apps like Wise, XE, or Google to check live rates.
- Use a money belt or crossbody bag to carry cash securely when exploring.
Make Your Money Go Further in Bali
The Indonesian Rupiah might take some getting used to, but once you understand the notes and values, daily life in Bali becomes much easier. Whether you are sipping coconuts by the sea, shopping in Ubud’s markets, or refueling your scooter, knowing what your money is worth makes every experience smoother. Keep a mix of cash and cards, use trusted money changers, and you will spend wisely and confidently on this island paradise.
