Bali · Money
Money, cards and FX in Bali
How to move money between Europe and Indonesia: Wise, Revolut, fee-free cards, local bank accounts and efficient FX.
Draft · work in progress
⚙ Placeholder content — Final version will include affiliate links to Wise, Revolut and the cards that work best on the island.
Moving money to Indonesia
- Wise: Best EUR↔IDR FX. Essential for large transfers (villa deposit, annual rent).
- Revolut: Daily card use. Decent FX during business hours.
- Traditional bank wires: Expensive and slow. Only when the counterparty insists on formal IBAN-to-IDR.
ATMs and physical cards
- BCA, BNI, Mandiri ATMs usually accept foreign cards.
- Withdrawal cap: ~2-3 million IDR (130-200 EUR).
- ATM fee: 25,000-50,000 IDR per transaction.
- No-fee cards: Revolut, N26 (best for EU), Wise.
Local accounts
Personal Indonesian bank account requires valid KITAS + registered address.
PT PMA corporate account opens with incorporation documents + authorised signatory visa.
Physical FX
Reliable money changers in Bali: BMC, Central Kuta Money Exchange. Avoid kiosk-style money changers in tourist areas (known scams).
Frequently asked questions
Wise or Revolut? +
Wise for large transfers to Indonesia (best real FX). Revolut for everyday card use. Most expats use both.
Can I open an Indonesian bank account without KITAS? +
Almost never. Personal Indonesian bank accounts require a KITAS. Without one, rely on Wise/Revolut and ATM withdrawals.
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