Indonesia ATM Travel Guide
ATMs in Indonesia don’t usually pose any challenges, however there are a few exceptions where we’ve heard of problems. There is also a lot of skimming of cards in tourist areas.
If there are no ATMs close by or the ATMs in Indonesia are not working with your card, check back here for our guides about how to send yourself money online and pick it up at an authorized local cash pick up point.
It is a very similar process to buying something on the internet with your debit card and is probably the quickest way to send yourself money online to Indonesia.
What’s more, it’s convenient, safe and cheaper than paying high ATM withdrawal fees allowing you to transfer more than the maximum ATM limit.
For the following places there’s a guide below which shows how to send yourself money instead of using an ATM.
– Papua ( Wamena, The Baliem Valley )
You can send money to the post office on Jl. Timor, Wamena Kota, Wamena, Kabupaten Jayawijaya, Papua 99511, Indonesia
– Maluku, Bukit Lawang
You can send money to the BRI or post office 10km away in Bohorok
– Samosir island / TukTuk Lake Toba
If the ATM doesn’t work you can send money to the post office on Jl. Raya Danau Toba No. 1 (SPBU) or to the BRI (there’s 3 branches on Samosir)
As this method is especially useful in certain places, we have provided separate guides for these (click links for destination specific guide):
Tejakula, Bali – ATMs exist but are not reliable |
Banda Islands |
Ujung Bocor Point, Krui, Lampung, South Sumatra |
Mentawai |
Here are two useful links to find the nearest ATMs in Indonesia : Visa / MasterCard
Indonesia ATM Fees & General Information
Most ATMs in Indonesia charge fees. These usually range from 2 to 5 USD, though standalone machines in shops and tourist areas can be even higher.
You will also probably get charged a fee by your own bank.
Having a Wise (formerly TransferWise) MasterCard can help reduce your home bank fees and gives a great exchange rate on purchases. With their borderless account / card you can hold your money in more than 40 currencies and use the debit card to get your cash out with low conversion fees and zero transaction fees. Click here for more info.
ATMs in Indonesia dispense Rupiah in either 50,000 or 100,000 notes, with a sticker indicating which one. Most ATMs have withdrawal limit of 1,250,000 (50,000 note machines) or 3,000,000 (100,000 note machines). It’s worth tracking down the 50,000 note machines so you can reduce fees.
Major hotels take debit/credit cards, but cheaper / smaller accommodations, tourist sites and restaurants tend to only take cash. It’s best to have small denominations as change can be a problem in smaller businesses.
You’ll find Visa and MasterCard are generally equally accepted by ATMs in Indonesia.
Unfortunately, ATM fraud in Indonesia is not uncommon. In particular, tourist areas of Bali see a lot of skimming and the general advice is to use ATMs associated with a bank rather than standalone machines in convenience stores etc. Check out our Travel Money Tips for what to look out for and more general information covering pre-trip planning, fees, scams, and general safety.
Getting Cash Without Using The ATMs In Indonesia:
– Send Money To Indonesia & Pick Cash Up Locally
With so many overseas workers now sending money home to their families, there are lots of local cash pick up points to collect these funds.
By tapping into this network, you can use your ATM card (debit/credit) or bank details to securely send yourself funds online through a reputable International money transfer service. See below for online services that have partnerships with domestic money transfer agents in Indonesia where you can pick up your money within a few hours.
This means when there’s no ATM you can still withdraw cash within a few hours, and what’s more, it’s often more convenient, safe and cheaper than paying ATM withdrawal fees.
Option 1: World Remit
Check to see if there is a local authorized cash pick-up point where you are.
In Indonesia, this is any branch of the
- Bank Negara Indonesia (BNI) or PT Pos – collect from any branch of the bank or Indonesian Post Office network.
- Bank Rakyat network (BRI)- click HERE for locations
If there’s a branch locally, then download the World Remit App HERE.
Make your transfer and use the promo code ‘FREE’ to get your first transfer FEE-FREE!
They also offer £5 cashback once you send £50 or more by signing up using refer a friend code MARKT64
Option 2: Ria Money Transfer, Panda Remit, Sendwave & Transfergo
Ria Money Transfer, Panda Remit, Sendwave & Transfergo all work the same way as WorldRemit.
Explore what transfer you may make and what options you have to pick up cash somewhere close by.
Follow this link for Ria Money Transfer, this link for Panda Remit, this link for Sendwave and this link for Transfergo and
This may involve making an account / downloading their app.
Option 3 :
Moneygram and Western Union also offer similar services but can be a little pricier.
Sending Money To A Bank Account Instead
Option 1: World Remit
You can also use the above method to quickly transfer money to an overseas bank account, perhaps to pay for your accommodation or an activity.
For more information visit this FAQs section.
Option 2: Wise (formerly TransferWise)
This another service that also offers bank transfers. If you are new to the service, and follow THIS LINK, you will automatically pay NO FEES on your first transfer of up to £500 (or the equivalent amount in any other currency).
Arguably the best thing about them is that they give you the mid-market rate on the currency exchange, so it’s much cheaper than a traditional bank to bank wire transfer. You won’t need any SWIFT or IBAN numbers, just the name of the account holder, their account number, the bank name and branch location.
Option 3 : Xe Money Transfer or OFX
Xe Money Transfer have a handy app for converting currencies quickly. You can also send money directly through their app. Follow this link to see options.
OFX also offer bank to bank transfer, either through their website or app. Follow this link for more info.
We update this guide every month or so, however, if you have any feedback to help keep this guide up-to-date or make it more comprehensive and easier for others to follow, please Message us on Facebook
Useful Links:
https://en.wikipedia.org/wiki/Indonesia
*** ATMs In Indonesia ***