Travelling to Indonesia? Here’s an Indonesia ATM withdrawal guide for everything you need to know — from fees to recommended locations to withdraw with foreign cards.
Whether you’re heading to Bali, Jakarta, or Yogyakarta, one thing’s for sure — you’re going to need some cash on hand. And while card payments are growing more common, cash is still king in many parts of Indonesia. This Indonesia ATM withdrawal guide will walk you through everything you need to know — from fees and cash limits to the best ways to save on conversion rates and avoid hidden charges.
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Summary:
- Cash is still essential in many parts of Indonesia, especially for street food, transportation, and at local markets
- Stick to ATMs from local banks like BCA, BNI, or Mandiri
- Local ATM fees vary between 20,000 IDR to 75,000 IDR (~S$1.55 to S$5.83)
- It’s important to choose a fee-free card as bank cards typically change ATM withdrawal fees ranging between 2-8%
- YouTrip offers *free S$400 in ATM withdrawals every calendar month
Do you still need cash in Indonesia?
Yes, cash is still king in many parts of Indonesia. While big cities and touristy areas increasingly accept card payments, small businesses and local vendors still prefer Indonesian Rupiah (IDR). You’ll need cash for:
- Street food stalls
- Public transportation
- Local markets
- Small hotels or homestays
Having some IDR in your wallet is always a good idea — even if you’re mostly using a card for payments.
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Can I withdraw IDR using my debit/credit card?
Absolutely. Most ATMs in Indonesia accept international debit and credit cards, especially those with Visa, Mastercard, Cirrus, or Maestro logos.
Before you travel, make sure:
- Your card is activated for overseas use
- Know your daily withdrawal limit
Note:
- ATMs in Indonesia dispense either 50,000 IDR or 100,000 IDR notes. A sticker will clearly indicate which one.
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Where to find ATMs in Indonesia?
ATMs are widely available across cities, airports, and tourist destinations in Indonesia. You can usually find them at:
- Airport arrival halls
- Shopping malls
- Convenience stores (Indomaret & Alfamart)
- Banks & hotels
Popular ATM networks in Indonesia to withdraw from:
- Bank Central Asia (BCA) — locate your ATM here
- Bank Mandiri — locate your ATM here
- Bank Negara Indonesia (BNI) — locate your ATM here
- Bank Rakyat Indonesia (BRI) — locate your ATM here
- Permata Bank — locate your ATM here
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How to withdraw IDR at Indonesia ATMs
Here’s how you can withdraw IDR at Indonesia ATMs with YouTrip in 4 easy steps:
1️⃣ Locate an ATM displaying any of these logos and insert your YouTrip card
2️⃣ Select ‘Saving account’
3️⃣ Key in your 4-digit ATM PIN
4️⃣ Withdraw your desired amount in IDR
👉 Enjoy FREE S$400 monthly withdrawals with YouTrip per calendar month with a 2% fee imposed thereafter
And there you have it — you won’t ever have to worry about running out of cash in Indonesia.
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Indonesia ATM fees
Here’s what you might be charged when withdrawing IDR in Indonesia:
1️⃣ Local ATM fees: Some ATMs charge a withdrawal fee varying between 20,000 IDR to 75,000 IDR (~S$1.55 to S$5.83) for foreign cards.
2️⃣ Your bank’s withdrawal fee: Varies between 2-8% depending on your bank
3️⃣ Foreign Transaction fees: Typically 1-3% of the transaction amount
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Tips to minimise ATM fees in Indonesia
- Stick to ATMs from local banks like BCA, BNI, or Mandiri — they’re more reliable and often don’t charge extra fees for withdrawals with foreign cards
- Withdraw larger amounts less frequently to avoid repeated fees
- Use multi-currency cards that waive foreign transaction fees (like YouTrip, Revolut, or Wise)
- Avoid private standalone ATMs, especially near tourist hotspots — they often charge higher fees
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Indonesia ATM cash withdrawal limits
Most ATMs in Indoneisa allow you to withdraw up to:
- 3 million IDR (~S$231.94) per transaction
- 6 million IDR (~S$463.88) per day
This can vary depending on your bank’s withdrawal limits.
❗Check your bank’s daily overseas withdrawal limit before you travel
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Exchange rates & conversion fees in Indonesia
Here’s what to watch out for:
- Dynamic Currency Conversion (DCC): ATMs may offer to charge you in your home currency — always select IDR. If you select SGD, the ATM applies DCC which gives you a poor exchange rate with extra fees.
- Exchange Rate Markups: If you’re not using a multi-currency card, your bank may mark up the exchange rate by 1-4%. So, keep this in mine when calculating your total costs!
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Tips to avoid extra fees on exchange rates: Use a multi-currency card
A multi-currency card allows you to spend like a local without the usual markups or extra charges your bank would typically charge — some even waive the FX fees entirely.
Consider cards like YouTrip, Wise, or Revolut if you’re looking to save on foreign exchange rates and pesky fees. These cards:
- Allow you to score real-time exchange rates
- Avoid or charge lower foreign transaction fees compared to traditional banks
- Charge lower ATM withdrawal fees & work at most ATMs and retail stores in Indonesia
Here’s a quick comparison between some of the best multi-currency cards in Singapore:
| YouTrip | Revolut | Wise | Amaze | Trust | |
|---|---|---|---|---|---|
| IDR Exchange Rate | 1 SGD = 12,821 IDR | 1 SGD = 12,792 IDR | 1 SGD = 12,711 IDR | 1 SGD = 12,821 IDR | 1 SGD = 12,821 IDR |
| FX Fees | No fees | On weekdays: No fees apply if you’re within your plan’s fair usage limit On weekends: 1% fee applies regardless of your plan | From 0.26% *fee varies by currency | No fees for FX transactions ✅ 1% domestic fee for SGD transactions | No fees |
| ATM Withdrawal Fees | Up to S$400 free monthly ATM withdrawals A 2% fee is imposed thereafter | Free monthly withdrawals of up to S$350 / 5 withdrawals A 2% fee is imposed thereafter | Free monthly withdrawals of up to S$350 / 2 or less withdrawals A 1.75% fee is imposed thereafter | A 2% fee is imposed on all amounts withdrawn | None |
*Rates taken as of 24 Apr 2025
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Indonesia ATM safety tips
- Use ATMs inside malls or bank branches
- Avoid withdrawing cash late at night
- Cover the keypad when entering your PIN
- Keep your receipts and monitor your account for any unusual activity
- Be cautious with standalone ATMs in tourist areas — some may have skimming devices
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Get the best IDR rates with YouTrip!
Want to skip high fees and dodgy exchange rates altogether? YouTrip lets you pay with the best IDR rates with no fees and no hidden charges. You can also enjoy free monthly ATM withdrawals of up to S$400 with a 2% fee imposed thereafter. Perfect for hassle-free travel in Indonesia!
So if you’re looking for a go-to travel card, sign up for your complimentary YouTrip card today with <YTBLOG5> and get FREE S$5 in your account!
Then, head over to our YouTrip Perks page for exclusive offers and promotions — we promise you won’t regret it.
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Happy travels!
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