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    ATM Fee Guide
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    ATM Fees in Indonesia

    Indonesian Rupiah (IDR) • Updated April 2026

    Indonesia is largely cash-based outside major cities and tourist hubs. ATMs are plentiful in Bali and Jakarta but scarce in remote areas. Cards work in tourist areas but cash is king locally. Most banks do not charge access fees for foreign cards.

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    Tips for Indonesia

    • • BCA and Mandiri ATMs are most reliable - no access fees
    • • Maximum withdrawal often 1.25M-2.5M IDR (CIMB Niaga allows up to 3M IDR)
    • • Cash essential outside tourist zones
    • • Cards work in Bali tourist areas
    • • Bring backup cash for remote islands
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    Airport tips

    • • Bali and Jakarta airports have many ATMs
    • • Use bank ATMs not independent ones
    • • Airport rates are acceptable
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    Don't forget your home bank fees

    The fees shown above are charged by local ATMs. Your home bank may also charge additional fees for international withdrawals (typically 1-3% + a flat fee). Check with your bank before traveling.

    Estimated daily expenses

    How much cash you might need per day in Indonesia, per person.

    Your currency:

    Backpacker

    Hostels, street food, public transport

    375,000-900,000 IDR

    IDR/day

    🏨 Accommodation150,000-350,000 IDR
    🍜 Food & drinks75,000-150,000 IDR
    🚌 Transport50,000-150,000 IDR
    🎟️ Activities100,000-250,000 IDR

    ≈ $22.05-52.91 USD

    Mid-range

    Hotels, restaurants, mix of transport

    1,100,000-2,450,000 IDR

    IDR/day

    🏨 Accommodation500,000-1,200,000 IDR
    🍜 Food & drinks200,000-400,000 IDR
    🚌 Transport150,000-350,000 IDR
    🎟️ Activities250,000-500,000 IDR

    ≈ $64.67-144 USD

    Luxury

    Premium hotels, fine dining, private transport

    3,500,000-8,300,000 IDR

    IDR/day

    🏨 Accommodation2,000,000-5,000,000 IDR
    🍜 Food & drinks500,000-1,000,000 IDR
    🚌 Transport400,000-800,000 IDR
    🎟️ Activities600,000-1,500,000 IDR

    ≈ $206-488 USD

    Cash vs card acceptance

    Where you'll need cash and where cards work in Indonesia.

    Credit card acceptance

    Moderate

    Cards accepted in tourist areas and cities. Cash essential for local businesses and remote areas.

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    You'll need cash for

    • • Warungs (local eateries)
    • • Markets
    • • Local transport
    • • Small shops
    • • Remote islands
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    Cards usually accepted

    • • Hotels
    • • Tourist restaurants
    • • Shopping malls
    • • Dive shops
    • • Major supermarkets

    💰 Cheapest banks for foreign cards

    These banks charge the lowest fees for withdrawals with foreign cards.

    BankATM FeeEst. CostBranches
    BCA0 IDR (Access Fee)0 USD1,200
    Mandiri0 IDR (Access Fee)0 USD1,000
    BNI0 IDR (Access Fee)0 USD800
    CIMB Niaga0 IDR (Access Fee)0 USD400

    📍 Most widely available ATMs

    Sorted by number of ATM locations. More branches means easier access, but fees may be higher.

    BankATM FeeEst. CostBranches
    BCA0 IDR (Access Fee)0 USD1,200
    Mandiri0 IDR (Access Fee)0 USD1,000
    BNI0 IDR (Access Fee)0 USD800
    CIMB Niaga0 IDR (Access Fee)0 USD400

    🌐 ATM Alliance Benefits: If you bank with a member of these alliances, you may get reduced or waived ATM fees in Indonesia:

    CIMB Regional LinkMaybank Regional Network
    View all ATM alliances →

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