Get the inside scoop on using ATMs in Indonesia—where to find them, what to avoid, and how to keep your money safe.
Understanding ATMs in Indonesia
Indonesia is increasingly card-friendly in major cities, but cash remains essential in many areas—especially on islands like Flores. Knowing how to find and safely use ATMs will save you stress and keep your trip running smoothly.
Where to Find ATMs
- Major airports, malls, and banks in cities like Jakarta, Denpasar, and Surabaya.
- Larger towns on tourist islands (Labuan Bajo, Ubud, Kuta).
- Remote areas (Flores, Lombok, Sumba): ATMs are rare—stock up before leaving urban centers.
Tips for Withdrawing Money
- Use Trusted Banks: Stick to reputable brands like BCA, Mandiri, BNI, and Bank Danamon.
- Check Withdrawal Limits: Most ATMs limit withdrawals to 2,000,000–3,000,000 IDR per transaction. Your home bank may add its own limits and fees.
- Beware of High Fees: International cards often incur extra charges, so withdraw larger amounts less frequently to minimize costs.
ATM Security
- Examine machines for signs of tampering before use.
- Shield your PIN and avoid help from strangers.
- Use machines inside banks or well-lit buildings when possible.
Practical Advice
- Always carry some cash, especially for rural trips.
- Inform your bank of your travel plans to avoid card blocks.
- Have a backup card or emergency cash in case of loss or machine failures.
- Save ATM receipts until you confirm your balance.
Want more essential advice? Visit our First Time in Jakarta guide.
Conclusion
Being prepared with cash and knowing how to safely use ATMs in Indonesia will make your trip smoother, especially if you’re heading to islands like Flores. Take precautions, plan ahead, and enjoy your travels!