Indonesia, an archipelago of over 17,000 islands, is a mosaic of diverse cultures, breathtaking landscapes, and vibrant marine life. From the lush terraces of Bali and the ancient temples of Borobudur to the bustling streets of Jakarta and the untouched beaches of the Gili Islands, Indonesia offers a kaleidoscope of experiences. Navigating this vast and varied country requires a good understanding of the local cash and ATMs in Indonesia including which payment options are accepted. This guide will provide you with the financial insights needed to explore Indonesia’s rich tapestry of natural and cultural wonders with ease and confidence, ensuring a journey filled with unforgettable moments.
You may also enjoy reading Ultimate guide on how to save money for travelling in 2025.
Where can I find ATMs in Indonesia?
There are more than 100,000+ ATMs in Indonesia given the large size of the country. More than 20 commercial and specialised banks in Indonesia run them. Finding one in Indonesian cities and towns is usually straightforward. But in cities, off the main streets, ATMs might not be available. Common locations include airports, markets, tourist streets, malls, and banks.
You can find ATMs at:
- Major airports,
- Market and town squares,
- Every major town has its main tourist streets,
- Shopping malls,
- Food lanes,
- Bank branches,
- Some corporate buildings.
It will be difficult to find ATMs in:
- Small airports,
- Islands,
- Regional bus stops,
- Interior of the villages,
- In small towns, off the main roads.
Best ATMs to use in Indonesia for foreigners
The best ATMs for foreigners to use in Indonesia are those owned by popular banks such as:
Bank Mandiri,
BCA,
Danamon,
Maybank,
BTN, and
BPTN.
There are other banks too with ATMs that accept international debit and credit cards.
Don’t accept conversion at ATMs and withdraw only in local currency
In Indonesia, some ATMs may ask – Accept OR Decline Conversion (also known as With or Without Conversion, or Charge in IDR).
- If you ‘Accept’ – ATM converts your money at ATM’s set exchange rate and you pay an extra % fee to the ATM for currency conversion also.
- If you ‘Decline’ – ATM will convert at exchange rate of the bank/card logo (Visa, Master, etc.).
So, to avoid extra fees while withdrawing cash in Indonesia, select ‘Decline/Without’ Conversion or ‘Charge in IDR’.
If you’d like to understand more, read ATM fees abroad: Charges to use cards at foreign ATMs explained.
Can I use a foreign debit or credit card at an ATM in Indonesia?
Absolutely, ATMs in Indonesia are well-equipped for foreign card transactions. ATMs commonly accept Visa and Mastercards, Plus and Cirrus cards and CUP cards. Only some accept American Express, Diners, Discover cards. Others like JCB, Maestro or Rupay cards are usually not accepted.
For a detailed guide, read Money and Currency in Indonesia.
What are the ATM opening hours?
Standalone ATMs provide 24-hour access all week long. But for ATMs inside banks, you might need to visit between 9 am and 3 pm.
What do they call ATMs in Indonesia?
The words ‘ATM’ is commonly used, or signage displays the bank name without the word ‘ATM’.
PIN type
ATMs in Indonesia primarily accept 6-digit PINs, but 4-digit PINs are also accepted
Also, many merchants used old machines which require a magnetic stripe on the card and not just a chip-and-pin card.
Languages at ATMs in Indonesia
Indonesian ATMs typically offer Indonesian and English. If you don’t understand these languages, use Google Translate’s camera function. The transactions are not always accurate so take your time and don’t rush through the withdrawal.
Do ATMs in Indonesia work similarly as other countries?
ATMs in Indonesia are modern and user-friendly, akin to those in the US, UK, Europe, Australia, and India. Some of them take your card completely inside during the transaction, so remember to take it after withdrawing cash from such ATMs.
Join the discussion, read and share cash related travel experiences on ATM Fee Saver’s Community Travel Forum at Money & Travel in Europe.
What currencies can I withdraw from ATMs in Indonesia?
ATMs in Indonesia dispense only the official currency Indonesiah Rupiah (IDR). These is usually no option to withdraw foreign currencies like USD, EUR, GBP, JPY, INR, etc.
ATM withdrawal limits in Indonesia?
ATMs in Indonesia have a maximum withdrawal limit per transaction of IDR 1,000,000 to IDR 3,000,000. Some bank ATMs allow to withdraw as much as your card’s limit, in one transaction.
ATM Fees in Indonesia?
There are many fee-free ATMs in Indonesia. Some bank ATMs charge varying ATM Fees – between IDR 20,000 to IDR 75,000 per transaction to foreign cardholders and many bank ATMs do not charge any fees to foreign cards. (Figures in Indonesian Rupiah). So, there are many fee-free ATMs you can use in Indonesia as a foreign cardholder!
Apart from ATM Access Fees, there can be other potential charges to withdraw cash in Indonesia – something every traveller handling cash in Indonesia should be aware of. These are:
- Currency Conversion Fees (Accept or Decline Conversion)
- Your Bank’s currency conversion fee – Some banks charge the card holder a fee to use the card abroad. Cross check with your bank on what the charges are.
How to avoid high fees when withdrawing cash in Indonesia?
- Use the fee-free or lower fee ATMs in the country.
- Use the ATM Fee Saver app to find fee-free or low-fee ATMs.
- Opt for “Decline Conversion” or “Without Conversion” during ATM transactions.
- Consider getting a fee-free travel card from your home country.
- Get one Visa and one Mastercard fee-free cards as some ATMs abroad accept only Visa and some only Mastercard.
- Avoid using ATMs at the airports, sometimes they have higher fees.
For a detailed guide, read Withdrawing cash abroad? 9 best ways to save foreign ATM fees.
Ways to find fee-free ATMs in Indonesia?
Discover fee-free and low-fee ATMs on the ATM Fee Saver mobile app for iOS and Android. This app provides ATM PINs and details of leading bank ATMs such as ATM fees and withdrawal limits for foreign cardholders at ATMs in Indonesia. Moreover, its simple fee calculator helps you determine exact withdrawal charges. You can also find cash tips and tricks on the app for 160+ countries including Indonesia.
Download now from the App Store or Play Store.
Download ATM Fee Saver now.
Is it safe to use Indonesia ATMs?
Generally, ATMs in Indonesia are equipped with security features such as cameras and guards, and incidents of crime near ATMs are relatively low, although pickpocketing can be more frequent. There have been some instances of hidden cameras being installed near ATMs’ keypads in Indonesia to capture PINs, so it’s advisable to shield the keypad while entering your PIN. To be safe, use precautions such as:
- Use the ATMs located inside bank branches instead of standalone ones.
- Avoid using ATMs on empty streets or late at night.
- Keep your card visible at all times.
- Cover the PIN pad with the palm of your hand to avoid revealing your PIN to hidden cameras.
- If you find any suspicious devices attached around the keypad area of the ATM, do not use the ATM.
- Be aware of your surroundings, if you see suspicious people, move away.
- Keep two or more cards as backup.
- If also using your mobile phone for the transaction, avoid using public Wi-Fi. Use VPN for extra protection.
FAQs
What to do if an ATM takes your card?
If an ATM in Indonesia takes your card, contact the bank (if you used an ATM inside a bank branch), they may retreive your card if you have proof of identity. You can also contact the bank’s helpline but they usually retreive and resend new cards only for their own customers. If so, you’ll need to contact your own bank and ask them to deliver a new card at home or abroad.
Fee-free ATMs and possible to withdraw cash free of cost at ATMs here?
Yes, it is possible. There are many fee-free ATMs in Indonesia. Some bank ATMs charge varying ATM Fees – between IDR 20,000 to IDR 75,000 per transaction to foreign cardholders and many bank ATMs do not charge any fees to foreign cards. (Figures in Indonesian Rupiah). So, there are many fee-free ATMs you can use in Indonesia as a foreign cardholder!
Foreign cards from US, UK, India, China, Europe, Australia accepted at ATMs in Hungary?
Yes. You can usually use cards from the US, UK, Europe, Australia, and other countries at ATMs in Indonesia.
Bitcoin ATMs?
Yes, there are a few Bitcoin ATMs in Indonesia.
Foreign bank ATMs’ in Indonesia
Bank of America: Not present
Citibank: None, they now operate as UOB.
Barclays: None.
HSBC: Yes, there are many HSBC ATMs in Indonesia.
Standard Chartered: Yes, there are some.
