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Indonesia Currency Exchange, Travel Cards, and ATM Fees at a Glance
In Indonesia, check that a money changer is licensed and compare the rupiah you’ll actually receive. Check ATM fees and your card issuer’s fees separately. Bank Mandiri ATMs charge Rp50,000 per withdrawal made with foreign-issued Visa or Mastercard cards. The KB Kookmin Travelers debit card waives its withdrawal fee for up to 10 withdrawals per month, but local ATM fees still apply.
At a Glance
- Licensed money changers display their exchange rates and may not charge customers an exchange fee.
- Whether your home currency or US dollars get you a better rate depends on the timing and the money changer’s rates, so compare the rupiah you’ll actually receive.
- Bank Mandiri ATMs charge Rp50,000 per withdrawal with foreign-issued Visa or Mastercard cards. Card issuer fees are separate.
- The KB Kookmin Travelers debit card waives its fee for up to 10 overseas ATM withdrawals per month, but local ATM fees still apply.
- When choosing a currency on a card or QR payment screen, select rupiah (IDR).
Should I exchange my home currency or US dollars?
Which currency gives you a better rate depends on when you exchange and the money changer’s posted rates. Ask how many rupiah you would actually receive for each currency and compare.
Licensed money changers must display their rates transparently and may not charge a separate exchange fee.
| What to Compare | Exchange your home currency | Exchange US dollars |
|---|---|---|
| Amount received | Check the money changer’s posted rate | Check the money changer’s posted rate |
| How to choose | Compare the rupiah amount you’ll receive | Compare the rupiah amount you’ll receive |
How can I find a safe money changer in Bali?
Don’t decide based on the sign alone. Check the business against Bank Indonesia’s list of licensed money changers. Licensed businesses should clearly display a KUPVA license logo and business license, or the words “Authorized Money Changer.”
- Check for a license
Look for the KUPVA logo and business license, or the wording “Penyelenggara Kegiatan Usaha Penukaran Valuta Asing Berizin” or “Authorized Money Changer.”
- Check the rate and fees
Check the amounts on the rate board and ask whether any separate fee is required before exchanging money.
- Count your cash yourself
Count the money again on the spot after receiving it, and it’s safer not to hand it back.
How much are ATM fees in Indonesia?
Bank Mandiri ATMs charge Rp50,000 per cash withdrawal with foreign-issued Visa or Mastercard cards. Fees charged by your card issuer are separate.
Mandiri ATMs show the fee on screen before you confirm a withdrawal, so you can check the amount and continue or cancel. Foreign-issued JCB and CUP network cards are exempt from this ATM fee.
| Item | What to check |
|---|---|
| Bank Mandiri ATM fee | Rp50,000 per withdrawal with foreign-issued Visa or Mastercard cards |
| Card issuer fee | May apply separately from the ATM fee |
| Before withdrawing | Check the fee on screen, then continue or cancel |
| JCB and CUP | Excluded from this ATM fee, according to Mandiri’s notice |
How do travel card and ATM withdrawal terms compare?
The KB Kookmin Travelers debit card waives its fee for up to 10 overseas ATM withdrawals per month. For additional withdrawals, it lists an international card network fee of 1% and an overseas service fee equivalent to US$3 per transaction. Local ATM fees are separate.
The card’s ATM withdrawal limits are KRW 6 million per day and KRW 20 million per month. The amount you can actually withdraw also depends on the local ATM’s limits and your card balance.
| Payment or withdrawal method | Fees and limits | What to check in practice |
|---|---|---|
| KB Kookmin Travelers debit card ATM withdrawals | Card fee waived for up to 10 withdrawals per month. For additional withdrawals: 1% international card network fee and an overseas service fee equivalent to US$3 per transaction | Local ATM fees apply separately. Limits: KRW 6 million per day and KRW 20 million per month |
| Foreign-issued Visa or Mastercard at a Bank Mandiri ATM | Rp50,000 ATM fee per withdrawal, plus any card issuer fee | Check the ATM fee shown on screen before confirming |
| Card payments | Acceptance varies by merchant | Select rupiah (IDR) on the currency selection screen |
How do I use cards and QRIS?
International credit cards are accepted in major Indonesian cities and tourist areas, but acceptance varies by merchant. Carry some rupiah cash when visiting small warungs or markets.
QR payment connectivity between Korea and Indonesia has launched, but which apps work depends on participating financial institutions and the scope of their services. Before departure, check whether your app supports payments in Indonesia.
- If the card terminal asks you to choose between your home currency and rupiah, check the exchange rate and any extra fees. Select IDR if you don’t want to pay in your home currency.
- The QRIS transaction limit is Rp10,000,000 per transaction. Your app provider may set separate daily or monthly limits.
- You can ask for an itemized receipt if a merchant adds a surcharge to a card payment.
What to Do in These Situations
- When a money changer asks for a separate fee
Check the rate and fee shown on the board, and make sure the money changer is licensed.
- After receiving exchanged cash
Count it again on the spot, and don’t hand the notes back.
- When an ATM fee appears on screen
Check the amount shown, such as Rp50,000 per transaction, then continue or cancel.
- When a payment terminal asks you to choose between your home currency and rupiah
Check the exchange rate and any extra fees. Select IDR if you don’t want to pay in your home currency.
- When paying at a warung or market
Carry small-denomination notes. Bank Indonesia classifies notes of Rp20,000 or less as small denominations.
Before You Go
- Compare the rupiah you’ll actually receive when exchanging your home currency or US dollars.
- Check the licensed money changer list and look for the KUPVA mark.
- Check your card’s overseas ATM fees and withdrawal limits.
- Check the local fee shown on the ATM screen before confirming a withdrawal.
- Check whether your QR payment app supports use in Indonesia and review its limits.
- Carry small-denomination notes of Rp20,000 or less, and check the zeros on price tags.
FAQ
Should I exchange my home currency or US dollars in Indonesia?
It depends on when you exchange and the money changer’s posted rates. Compare the rupiah you’ll actually receive for each currency.
Do I have to pay a separate fee at money changers in Indonesia?
Bank Indonesia says licensed money changers may not charge customers an exchange fee. Check the posted rate and ask about any separate charges.
How much does it cost to withdraw with a foreign card at a Bank Mandiri ATM?
Foreign-issued Visa and Mastercard cards incur an ATM fee of Rp50,000 per transaction. Card issuer fees are separate.
Are overseas ATM withdrawals free with the KB Kookmin Travelers debit card?
The card fee is waived for up to 10 withdrawals per month, but local ATM fees still apply. For more than 10 withdrawals, the listed fees are a 1% international card network fee and an overseas service fee equivalent to US$3 per transaction.
When paying by card in Indonesia, should I choose my home currency or rupiah?
Check the exchange rate and any extra fees shown on screen. If you don’t want to pay in your home currency, choose the local currency, IDR.
Can I pay with QRIS in Indonesia using a Korean QR payment app?
QR payment connectivity between Korea and Indonesia has launched, but available apps depend on participating financial institutions and the scope of their services. Check whether your app is supported before departure.
Official sources & check dates
- Penjualan Valuta Asing (Bank Indonesia) · 2026-10-31
- FAQ Access fee for foreign card at ATM · 2026-10-31
- KB국민카드 트래블러스 체크카드 상품 안내 · 2026-10-31
- Dynamic Currency Conversion Explained | Visa · 2026-10-31
- Exchanging Money in Bali · 2026-10-31
- Credit Card - Indonesia Travel · 2026-10-31
- APICS 2026 Arrival Guide to Bali · 2026-10-31
- Indonesia and South Korea Officially Connect with QR Payments · 2026-10-31
- Quick Response Code Indonesian Standard (QRIS) · 2026-10-31
- Larangan Praktik Double Swipe, Gesek Tunai dan Surcharge · 2026-10-31
- Tips dan Transaksi Aman · 2026-10-31
- Currency in Circulation by Denomination · 2026-10-31
- Bank Indonesia and the Government Release 2022 Edition Rupiah Banknotes · 2026-10-31
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Site updated: 2026-11-01