Indonesia Payment Methods and Currency Exchange Guide

Indonesia uses the Indonesian Rupiah (IDR) as its official currency. Payment methods and currency exchange options are widely available in urban and tourist areas, but cash remains essential in many locations.

• Official currency: Indonesian Rupiah (IDR), currency code: IDR.
• Payment methods: Cash is widely accepted. Credit and debit cards (Visa, Mastercard) are accepted in hotels, restaurants, and large retailers. Mobile payments (GoPay, OVO, DANA) are common in cities.
• Contactless payments: Contactless card payments and mobile wallets are increasingly available in urban centers. International wallets (Apple Pay, Google Pay, Alipay) have limited acceptance.
• ATMs: ATMs are widely available in cities and airports. Most accept international cards (Visa, Mastercard, Cirrus, Maestro). Daily withdrawal limits and fees apply.
• Currency exchange: Exchange services are available at banks, airports, hotels, and licensed money changers. Banks and authorized money changers are recommended for security.
• Foreign currency restrictions: Import or export of cash exceeding IDR 100,000,000 (approx. USD 6,500) must be declared to customs. Exceeding this limit without declaration may result in confiscation or penalties.
• Transaction fees: Foreign card transactions may incur fees (typically 2–3%) and dynamic currency conversion surcharges.
• Tips: Carry small denominations for local markets and rural areas. Notify your bank before travel to avoid card blocks. Retain exchange receipts for reconversion.
• Major banks: Bank Mandiri, BCA, BNI, BRI.
• Regulations: Bank Indonesia regulates currency exchange and payment systems. Travelers should check for updated advisories before arrival.