🇮🇩🇮🇩 Country Guide
🇮🇩Bali blends modern nomad infrastructure with a still very mixed payment culture. Cards work in villas, coworking spaces, beach clubs, and international cafes, but many warungs, drivers, and smaller services still prefer cash. The best card for Bali is the one that combines fair IDR exchange rates, reliable card acceptance, and practical cash access when needed.
Our Top 3 for Indonesia (Bali)| Card | Type | FX Fee | ATM | Annual | Score | |
|---|---|---|---|---|---|---|
| Wise | Debit | Real rate + fee | 2×/€200 free | € 0 | 9.2 | Apply Review |
| Revolut | Debit | 0% (limits) | €200 or 5×/mo | € 0 | 8.8 | Review |
| Charles Schwab | Debit | 0% | All ATM refunded | $ 0 | 9.0 | Review |
| Nexo | Dual Card | Region dep. | Loyalty-based | € 0 | 8.4 | Apply Review |
| Crypto.com | Visa | Region dep. | Loyalty-based | € 0 | 7.9 | Apply Review |
| RedotPay | Instant Crypto Visa | Low | Via Visa ATMs | € 0 | 7.5 | Apply Review |
| PintoPay | Crypto MasterCard | Low | Via MC ATMs | $ 0 | 7.3 | Apply Review |
| DKB | Visa | Visa rate | Free (Aktivstatus) | € 0 | 8.0 | Review |
| Based | Crypto Visa | Tier-dep. | Visa Platinum | $50/$1,499 | 7.2 | Apply Review |
Use BCA, Mandiri, BNI inside branches.
Decline conversion. DCC 3–6%.
Warungs, scooters (IDR 70k/day) – cash only.
Outages common. Limits IDR 1.25–2.5M.
Avoid street money changers. Use authorized ones in malls (BMC, Central Kuta). ATMs with Wise/Schwab usually give better rates than changers.
Local e-wallets GoPay (Gojek) and OVO are everywhere but need Indonesian phone number. Useful for food delivery and ride-hailing.
Not mandatory but appreciated. Rp 10,000-20,000 for restaurant staff. Tour guides expect 10-15%. Spa therapists appreciate Rp 30,000-50,000.
Nearest ATMs can be far on smaller islands. Always carry IDR 1M+ when leaving Bali's south. Hospital payments often require cash upfront.
Wise for everyday spending and Schwab for unlimited ATM refunds. Always carry a backup card — ATM outages are common in Bali.
Use BCA, Mandiri, or BNI ATMs inside bank branches. Avoid standalone street ATMs due to skimming risk and frequent outages.
Budget IDR 500,000–1,000,000 daily for cash expenses including warungs, scooter rental, parking, and small shops.
"Always carry two cards in Bali. My Revolut got blocked once and I was stranded in Ubud. Wise was my lifesaver backup."
— Lisa K., Germany · Wise + Revolut user
"BCA ATMs in Canggu work great with Wise. I hold IDR directly in the app so there's zero conversion surprise at the machine."
— Marco P., Italy · Wise user