{"id":73868,"date":"2026-03-30T16:21:37","date_gmt":"2026-03-30T08:21:37","guid":{"rendered":"https:\/\/www.you.co\/sg\/?p=73868"},"modified":"2026-06-09T15:18:21","modified_gmt":"2026-06-09T07:18:21","slug":"indonesia-atm-withdrawal-guide","status":"publish","type":"post","link":"https:\/\/www.you.co\/sg\/blog\/indonesia-atm-withdrawal-guide\/","title":{"rendered":"Indonesia ATM Withdrawal Guide: Fees, Locations, Exchange Rates (2026)"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\"><strong>Travelling to Indonesia? <\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Whether you\u2019re heading to Bali, Jakarta, or Yogyakarta, one thing\u2019s for sure \u2014 you\u2019re 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 \u2014 from fees and cash limits to the best ways to save on conversion rates and avoid hidden charges.&nbsp;<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\ud83d\udc9c&nbsp;Stay Up To Date:<\/strong><br>\u2013 <a href=\"https:\/\/www.you.co\/sg\/blog\/chocolate-finance-singapore\/\">Chocolate Finance Singapore Guide 2026: Rates, Miles, Withdrawals<\/a><br>\u2013&nbsp;<a href=\"https:\/\/www.you.co\/sg\/blog\/things-to-do-in-da-nang\/\">13 Best Things To Do In Da Nang, Vietnam (2026 Guide)<\/a><br>\u2013&nbsp;<a href=\"https:\/\/www.you.co\/sg\/blog\/things-to-do-in-kyoto\/\">33 Things to Do in Kyoto, Japan: Top Attractions, Food &amp; Travel Tips<\/a><\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><strong><strong>Summary:<\/strong> <\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Cash is still essential in many parts of Indonesia, especially for street food, transportation, and at local markets <\/li>\n\n\n\n<li>Stick to ATMs from local banks like BCA or BNI<\/li>\n\n\n\n<li>Local ATM fees vary between 20,000 IDR and 75,000 IDR (~S$1.51 to S$5.66)<\/li>\n\n\n\n<li>It\u2019s important to choose a fee-free card as bank cards typically charge ATM withdrawal fees ranging between 2-8%<\/li>\n\n\n\n<li>YouTrip offers up to S$400 in free overseas ATM withdrawals every calendar month. A 2% fee is imposed thereafter.<\/li>\n<\/ul>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">\ud83d\udcda <strong>Table of Contents<\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<ol class=\"wp-block-list\">\n<li><a href=\"#do-you-still-need-cash-in-indonesia\"><strong>Do You Still Need Cash in Indonesia?<\/strong><\/a><\/li>\n\n\n\n<li><a href=\"#can-i-withdraw-idr-using-my-debitcredit-card\"><strong>Can I Withdraw IDR Using My Debit\/Credit Card?<\/strong><\/a><\/li>\n\n\n\n<li><a href=\"#where-to-find-atms-in-indonesia\"><strong>Where to Find ATMs in Indonesia?<\/strong><\/a><\/li>\n\n\n\n<li><a href=\"#how-to-withdraw-idr-at-indonesia-atms\"><strong>How to Withdraw IDR at Indonesia ATMs<\/strong><\/a><\/li>\n\n\n\n<li><a href=\"#indonesia-atm-fees\"><strong>Indonesia ATM Fees<\/strong><\/a><\/li>\n\n\n\n<li><a href=\"#tips-to-minimise-atm-fees-in-indonesia\"><strong>Tips to Minimise ATM Fees in Indonesia<\/strong><\/a><\/li>\n\n\n\n<li><a href=\"#indonesia-atm-cash-withdrawal-limits\"><strong>Indonesia ATM Cash Withdrawal Limits<\/strong><\/a><\/li>\n\n\n\n<li><a href=\"#exchange-rates--conversion-fees-in-indonesia\"><strong>Exchange Rates &amp; Conversion Fees in Indonesia<\/strong><\/a><\/li>\n\n\n\n<li><a href=\"#tips-to-avoid-extra-fees-on-exchange-rates\"><strong>Tips to Avoid Extra Fees on Exchange Rates<\/strong><\/a><\/li>\n\n\n\n<li><a href=\"#indonesia-atm-safety-tips\"><strong>Indonesia ATM Safety Tips<\/strong><\/a><\/li>\n<\/ol>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 id=\"do-you-still-need-cash-in-indonesia\" class=\"wp-block-heading\"><strong>Do You Still Need Cash in Indonesia?<\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">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\u2019ll need cash for:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Street food stalls<\/li>\n\n\n\n<li>Public transportation&nbsp;<\/li>\n\n\n\n<li>Local markets&nbsp;<\/li>\n\n\n\n<li>Small hotels or homestays&nbsp;<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Having some IDR in your wallet is always a good idea \u2014 even if you\u2019re mostly using a card for payments.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em>\ud83d\udcd6 Related Guide: <a href=\"https:\/\/www.you.co\/sg\/blog\/from-sgd-to-idr\/\"><strong>Best SGD to IDR Rate in Singapore<\/strong><\/a><\/em><\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 id=\"can-i-withdraw-idr-using-my-debitcredit-card\" class=\"wp-block-heading\"><strong>Can I Withdraw IDR Using My Debit\/Credit Card?<\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Absolutely. Most ATMs in Indonesia accept international debit and credit cards, especially those with Visa, Mastercard, Cirrus, or Maestro logos.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Before you travel, make sure:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Your card is activated for overseas use&nbsp;<\/li>\n\n\n\n<li>Know your daily withdrawal limit&nbsp;<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Note:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>ATMs in Indonesia dispense either 50,000 IDR or 100,000 IDR notes. A sticker will clearly indicate which one.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><em>\ud83d\udcd6 Related Guide: <a href=\"https:\/\/www.you.co\/sg\/blog\/things-to-do-in-jakarta\/\"><strong>22 Best Things To Do In Jakarta, Indonesia<\/strong><\/a><\/em><\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 id=\"where-to-find-atms-in-indonesia\" class=\"wp-block-heading\"><strong>Where to Find ATMs in Indonesia?<\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">ATMs are widely available across cities, airports, and tourist destinations in Indonesia. You can usually find them at:<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<figure class=\"wp-block-image size-full\"><img fetchpriority=\"high\" decoding=\"async\" width=\"900\" height=\"471\" src=\"https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2025\/04\/blog-size-18.png\" alt=\"indonesia atm withdrawal cash\" class=\"wp-image-84962\" srcset=\"https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2025\/04\/blog-size-18.png 900w, https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2025\/04\/blog-size-18-300x157.png 300w, https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2025\/04\/blog-size-18-768x402.png 768w\" sizes=\"(max-width: 900px) 100vw, 900px\" \/><\/figure>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Airport arrival halls&nbsp;<\/li>\n\n\n\n<li>Shopping malls&nbsp;<\/li>\n\n\n\n<li>Convenience stores (Indomaret &amp; Alfamart)&nbsp;<\/li>\n\n\n\n<li>Banks &amp; hotels&nbsp;<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Popular ATM networks in Indonesia to withdraw from:&nbsp;<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Bank Central Asia (BCA) \u2014 locate your ATM <a href=\"https:\/\/www.bca.co.id\/en\/Lokasi-BCA\">here<\/a><\/li>\n\n\n\n<li>Bank Mandiri \u2014 locate your ATM <a href=\"https:\/\/www.bankmandiri.co.id\/en\/web\/guest\/penyesuaian-operasional-kantor-cabang\">here<\/a>\n<ul class=\"wp-block-list\">\n<li>Charges a 50,000 IDR fee (~S$3.62) for foreign cards from Feb 2026 <\/li>\n<\/ul>\n<\/li>\n\n\n\n<li>Bank Negara Indonesia (BNI) \u2014 locate your ATM <a href=\"https:\/\/www.bni.co.id\/en-us\/help-support\/bni-locator\/atm\">here<\/a><\/li>\n\n\n\n<li>Bank Rakyat Indonesia (BRI) \u2014 locate your ATM <a href=\"https:\/\/bri.co.id\/lokasi\">here<\/a><\/li>\n\n\n\n<li>Permata Bank \u2014 locate your ATM <a href=\"https:\/\/www.permatabank.com\/en\/hubungi-kami#atm\">here<\/a><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><em><em>\ud83d\udcd6 Related Guide:<\/em> Find out <a href=\"https:\/\/www.you.co\/sg\/blog\/send-money-to-indonesia-from-singapore\/\"><strong>How To Send Money To Indonesia From Singapore<\/strong><\/a><\/em><\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 id=\"how-to-withdraw-idr-at-indonesia-atms\" class=\"wp-block-heading\"><strong>How to Withdraw IDR at Indonesia ATMs<\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"schema-how-to wp-block-yoast-how-to-block\"><p class=\"schema-how-to-description\">Here\u2019s how you can withdraw IDR at Indonesia ATMs with YouTrip in 4 easy steps:<br><\/p> <ol class=\"schema-how-to-steps\"><li class=\"schema-how-to-step\" id=\"how-to-step-1774849450659\"><strong class=\"schema-how-to-step-name\">Locate an ATM displaying any of these logos and insert your YouTrip card<\/strong> <p class=\"schema-how-to-step-text\"><img decoding=\"async\" width=\"450\" height=\"121\" src=\"https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2026\/03\/1-1.png\" class=\"attachment-full size-full\" alt=\"mastercard atm logos\" style=\"max-width: 100%; height: auto;\" srcset=\"https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2026\/03\/1-1.png 450w, https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2026\/03\/1-1-300x81.png 300w\" sizes=\"(max-width: 450px) 100vw, 450px\" \/><\/p> <\/li><li class=\"schema-how-to-step\" id=\"how-to-step-1774849489077\"><strong class=\"schema-how-to-step-name\">Select <strong>\u2018Saving account\u2019<\/strong><\/strong> <p class=\"schema-how-to-step-text\"><\/p> <\/li><li class=\"schema-how-to-step\" id=\"how-to-step-1774849496157\"><strong class=\"schema-how-to-step-name\">Key in your 4-digit ATM &amp; Card PIN\u00a0<\/strong> <p class=\"schema-how-to-step-text\"><\/p> <\/li><li class=\"schema-how-to-step\" id=\"how-to-step-1774849499457\"><strong class=\"schema-how-to-step-name\">Withdraw your desired amount in IDR<\/strong> <p class=\"schema-how-to-step-text\">Enjoy FREE S$400 monthly withdrawals with YouTrip per calendar month with a 2% fee imposed thereafter\u00a0<\/p> <\/li><li class=\"schema-how-to-step\" id=\"how-to-step-1774849526340\"><strong class=\"schema-how-to-step-name\">And there you have it \u2014 you won\u2019t ever have to worry about running out of cash in Indonesia \ud83c\udf89<\/strong> <p class=\"schema-how-to-step-text\"><\/p> <\/li><\/ol><\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><em><em><em>\ud83d\udcd6 Related Guide: <\/em><\/em> Find out more about how to withdraw with YouTrip <a href=\"https:\/\/www.you.co\/sg\/blog\/youtrip-withdrawal-guide\/\" id=\"81580\"><strong>here<\/strong><\/a><\/em><\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-3e41869c wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-fill\"><a class=\"wp-block-button__link has-white-color has-text-color has-background wp-element-button\" href=\"https:\/\/youtrip.onelink.me\/P5AL\/ohkz600g?utm_source=youtrip_blog&amp;utm_medium=article&amp;utm_campaign=youtrip_app_download&amp;utm_term=&amp;utm_content=\" style=\"background-color:#6d37ac\"><strong> get your YouTrip card here<\/strong><\/a><\/div>\n<\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 id=\"indonesia-atm-fees\" class=\"wp-block-heading\"><strong><strong>Indonesia <\/strong>ATM Fees<\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Here\u2019s what you might be charged when withdrawing IDR in Indonesia:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Local ATM fees: <\/strong>Some ATMs charge a withdrawal fee varying between 20,000 IDR and 75,000 IDR (~S$1.55 to S$5.83) for foreign cards.&nbsp;Check on-screen before withdrawing. <br><\/li>\n\n\n\n<li><strong>Your bank\u2019s withdrawal fee: <\/strong>Varies between 2-8% depending on your bank<br><\/li>\n\n\n\n<li><strong>Foreign Transaction fees: <\/strong>Typically 1-3% of the transaction amount<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\"><em>\ud83d\udcd6 Related Guide: Discover <a href=\"https:\/\/www.you.co\/sg\/blog\/top-bintan-resorts\/\"><strong>Top 15 Bintan Resorts From S$81\/Night<\/strong><\/a><\/em><\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 id=\"tips-to-minimise-atm-fees-in-indonesia\" class=\"wp-block-heading\"><strong>Tips to Minimise ATM Fees in Indonesia<\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Stick to ATMs from local banks like BCA or BNI  \u2014 they\u2019re more reliable and often don&#8217;t charge extra fees for withdrawals with foreign cards<br><\/li>\n\n\n\n<li>Withdraw larger amounts less frequently to avoid repeated fees&nbsp;<br><\/li>\n\n\n\n<li>Use multi-currency cards that waive foreign transaction fees (like YouTrip, Revolut, or Wise)&nbsp;<br><\/li>\n\n\n\n<li>Avoid private standalone ATMs, especially near tourist hotspots \u2014 they often charge higher fees<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><em><em>\ud83d\udcd6 Related Guide: <\/em>Check out <a href=\"https:\/\/www.you.co\/sg\/blog\/things-to-do-in-bali\/\"><strong>12 Best Things To Do In Bali: Your Bali Bucket List<\/strong><\/a><\/em><\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 id=\"indonesia-atm-cash-withdrawal-limits\" class=\"wp-block-heading\"><strong>Indonesia ATM Cash Withdrawal Limits&nbsp;<\/strong>&nbsp;<\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\">Most ATMs in Indonesia allow you to withdraw up to:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>3 million IDR (~S$226.42) per transaction<\/li>\n\n\n\n<li>6 million IDR (~S$452.84) per day<\/li>\n<\/ul>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">This can vary depending on your bank\u2019s withdrawal limits.&nbsp;Remember to check your bank\u2019s daily overseas withdrawal limit before you travel!<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em><em>\ud83d\udcd6 Related Guide: <\/em>Discover <a href=\"https:\/\/www.you.co\/sg\/blog\/things-to-do-in-bintan\/\"><strong>13 Best Things To Do In Bintan For A Short Getaway<\/strong><\/a><\/em><\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 id=\"exchange-rates--conversion-fees-in-indonesia\" class=\"wp-block-heading\"><strong>Exchange Rates &amp; Conversion Fees in Indonesia<\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Here\u2019s what to watch out for:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Dynamic Currency Conversion (DCC): <\/strong>ATMs may offer to charge you in your home currency \u2014 always select <strong>IDR<\/strong>. If you select SGD, the ATM applies DCC, which gives you a poor exchange rate with extra fees.&nbsp;<br><\/li>\n\n\n\n<li><strong>Exchange Rate Markups: <\/strong>If you\u2019re not using a multi-currency card, your bank may mark up the exchange rate by 1-4%. So, keep this in mind when calculating your total costs!<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><em><em><em>\ud83d\udcd6 Related Guide:<\/em><\/em> <a href=\"https:\/\/www.you.co\/sg\/blog\/3-day-batam-itinerary\/\"><strong>3-Day Batam Itinerary: Things To Do In Batam<\/strong><\/a><\/em><\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 id=\"tips-to-avoid-extra-fees-on-exchange-rates\" class=\"wp-block-heading\"><strong>Tips to Avoid Extra Fees on Exchange Rates<\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">The short answer: <strong>Use a multi-currency card.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A multi-currency card allows you to spend like a local without the usual markups or extra charges your bank would typically charge \u2014 some even waive the FX fees entirely.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Consider cards like YouTrip, Wise, or Revolut if you\u2019re looking to save on foreign exchange rates and pesky fees.&nbsp;These cards: <\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Allow you to score real-time exchange rates <\/li>\n\n\n\n<li>Avoid or charge lower foreign transaction fees compared to traditional banks&nbsp;<\/li>\n\n\n\n<li>Charge lower ATM withdrawal fees &amp; work at most ATMs and retail stores in Indonesia<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Here\u2019s a quick comparison between some of the best multi-currency cards in Singapore:<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table><thead><tr><th class=\"has-text-align-left\" data-align=\"left\"><\/th><th class=\"has-text-align-left\" data-align=\"left\"><strong>YouTrip<\/strong><\/th><th class=\"has-text-align-left\" data-align=\"left\"><strong>Revolut<\/strong><\/th><th class=\"has-text-align-left\" data-align=\"left\"><strong>Wise<\/strong><\/th><th class=\"has-text-align-left\" data-align=\"left\"><strong>Amaze<\/strong><\/th><th class=\"has-text-align-left\" data-align=\"left\"><strong>Trust<\/strong><\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>FX Fees <\/strong><\/td><td class=\"has-text-align-left\" data-align=\"left\">No fees <\/td><td class=\"has-text-align-left\" data-align=\"left\"><strong>On weekdays:&nbsp;<\/strong>No fees apply if you\u2019re within your plan\u2019s fair usage limit&nbsp;<br><br><strong>On weekends:&nbsp;<\/strong>1% fee applies regardless of your plan<\/td><td class=\"has-text-align-left\" data-align=\"left\"><strong>Currency conversion fee: <\/strong>From 0.26% <br><br>*fee varies by currency<\/td><td class=\"has-text-align-left\" data-align=\"left\">No fees for FX transactions<br><br>\u2705 1% domestic fee for SGD transactions <\/td><td class=\"has-text-align-left\" data-align=\"left\">No fees<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>ATM Withdrawal Fees<\/strong><\/td><td class=\"has-text-align-left\" data-align=\"left\">Up to S$400 free monthly ATM withdrawals <br><br>A 2% fee is imposed thereafter<\/td><td class=\"has-text-align-left\" data-align=\"left\">Free monthly withdrawals of up to S$350 \/ 5 withdrawals <br><br>A 2% fee is imposed thereafter<\/td><td class=\"has-text-align-left\" data-align=\"left\">From 1 May 2026: Free withdrawals up to S$100\/month.<br><br>1.75% fee on amounts exceeding S$100.<\/td><td class=\"has-text-align-left\" data-align=\"left\">Daily withdrawal limit: S$1,000 (incl. fees)<\/td><td class=\"has-text-align-left\" data-align=\"left\">None<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><em>*Taken as of 30 Mar 2026<\/em><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em><em><em>\ud83d\udcd6 Related Guide:<\/em><\/em> <a href=\"https:\/\/www.you.co\/sg\/blog\/best-multi-currency-cards-singapore\/\"><strong>Best Multi-Currency Cards In Singapore: A Full Comparison Guide<\/strong><\/a><\/em><\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 id=\"indonesia-atm-safety-tips\" class=\"wp-block-heading\"><strong>Indonesia ATM Safety Tips<\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Use ATMs inside malls or bank branches<\/li>\n\n\n\n<li>Avoid withdrawing cash late at night<\/li>\n\n\n\n<li>Cover the keypad when entering your PIN<\/li>\n\n\n\n<li>Keep your receipts and monitor your account for any unusual activity<\/li>\n\n\n\n<li>Be cautious with standalone ATMs in tourist areas \u2014 some may have skimming devices<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><em>Indonesia ATM Withdrawal Guide: Fees, Locations, Exchange Rates (2025) \u2014 <a href=\"https:\/\/www.you.co\/sg\/blog\/indonesia-power-plug\/\"><strong>Indonesia Power Plug &amp; Socket Guide: Types, Voltage, Adapters &amp; Tips<\/strong><\/a><\/em><\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><strong><strong> Country ATM Guides:<\/strong><\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Need fee-free or lower-fee ATM recommendations? Explore our country-specific withdrawal guides:<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83c\uddf2\ud83c\uddfe <strong><a href=\"https:\/\/www.you.co\/sg\/blog\/malaysia-atm-withdrawal\/\">Malaysia <\/a><\/strong>| <strong>\ud83c\uddef\ud83c\uddf5 <a href=\"https:\/\/www.you.co\/sg\/blog\/japan-atm-withdrawal-guide\/\">Japan<\/a><\/strong> | \ud83c\uddf9\ud83c\udded <a href=\"https:\/\/www.you.co\/sg\/blog\/thailand-atm-withdrawal-guide\/\"><strong>Thailand<\/strong><\/a> | <strong>\ud83c\uddf0\ud83c\uddf7 <a href=\"https:\/\/www.you.co\/sg\/blog\/south-korea-atm-withdrawal-guide\/\">South Korea<\/a><\/strong> | <strong>\ud83c\uddf9\ud83c\uddfc <a href=\"https:\/\/www.you.co\/sg\/blog\/taiwan-atm-withdrawal-guide\/\">Taiwan<\/a><\/strong> | <strong>\ud83c\udded\ud83c\uddf0 <a href=\"https:\/\/www.you.co\/sg\/blog\/hong-kong-atm-withdrawal-guide\/\">Hong Kong <\/a><\/strong>| <strong>\ud83c\uddee\ud83c\udde9 <a href=\"https:\/\/www.you.co\/sg\/blog\/indonesia-atm-withdrawal-guide\/\">Indonesia<\/a><\/strong> | <strong>\ud83c\uddfb\ud83c\uddf3 <a href=\"https:\/\/www.you.co\/sg\/blog\/vietnam-atm-withdrawal-guide\/\">Vietnam<\/a><\/strong> | \ud83c\udde6\ud83c\uddfa <a href=\"https:\/\/www.you.co\/sg\/blog\/australia-atm-withdrawal-guide\/\"><strong>Australia<\/strong><\/a> | <strong>\ud83c\uddf2\ud83c\uddf4 <a href=\"https:\/\/www.you.co\/sg\/blog\/macau-atm-withdrawal-guide\/\">Macau <\/a><\/strong>| \ud83c\udde8\ud83c\uddf3 <strong><a href=\"https:\/\/www.you.co\/sg\/blog\/china-atm-withdrawal-guide\/\">China <\/a><\/strong>| \ud83c\uddfa\ud83c\uddf8 <strong><a href=\"https:\/\/www.you.co\/sg\/blog\/us-atm-withdrawal-guide\/\">US <\/a><\/strong>| \ud83c\uddff\ud83c\udde6 <strong><a href=\"https:\/\/www.you.co\/sg\/blog\/south-africa-atm-withdrawal-guide\/\">South Africa <\/a><\/strong>| \ud83c\uddf5\ud83c\udded <strong><a href=\"https:\/\/www.you.co\/sg\/blog\/philippines-atm-withdrawal-guide\/\">Philippines <\/a><\/strong>| \ud83c\uddeb\ud83c\uddf7 <strong><a href=\"https:\/\/www.you.co\/sg\/blog\/france-atm-withdrawal-guide\/\">France<\/a><\/strong> | \ud83c\uddec\ud83c\udde7 <strong><a href=\"https:\/\/www.you.co\/sg\/blog\/uk-atm-withdrawal-guide\/\">UK<\/a><\/strong> | \ud83c\uddf3\ud83c\uddff <strong><a href=\"https:\/\/www.you.co\/sg\/blog\/new-zealand-atm-withdrawal-guide\/\">New Zealand <\/a><\/strong>| \ud83c\uddee\ud83c\uddf9 <strong><a href=\"https:\/\/www.you.co\/sg\/blog\/italy-atm-withdrawal-guide\/\">Italy <\/a><\/strong>| \ud83c\uddf0\ud83c\udded <strong><a href=\"https:\/\/www.you.co\/sg\/blog\/cambodia-atm-withdrawal-guide\/\">Cambodia<\/a><\/strong> | \ud83c\udde8\ud83c\udde6 <strong><a href=\"https:\/\/www.you.co\/sg\/blog\/canada-atm-withdrawal-guide\/\">Canada<\/a><\/strong> | \ud83c\udde8\ud83c\udde6 <strong><a href=\"https:\/\/www.you.co\/sg\/blog\/switzerland-atm-withdrawal\/\">Switzerland<\/a> <\/strong><\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Get the Best IDR Rates<\/strong> <strong>with YouTrip!<\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"900\" height=\"471\" src=\"https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2025\/04\/blog-size-15.png\" alt=\"Indonesia ATM Withdrawal \" class=\"wp-image-84966\" srcset=\"https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2025\/04\/blog-size-15.png 900w, https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2025\/04\/blog-size-15-300x157.png 300w, https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2025\/04\/blog-size-15-768x402.png 768w\" sizes=\"(max-width: 900px) 100vw, 900px\" \/><\/figure>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">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!<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">So if you&#8217;re looking for a go-to travel card, sign up for your complimentary YouTrip card today with <strong>&lt;<strong>YTBLOG5<\/strong>&gt;<\/strong> and get <strong>FREE S$5<\/strong> in your account! <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Then, head over to our<a href=\"https:\/\/www.you.co\/sg\/youtrip-perks\/\"> YouTrip Perks<\/a> page for exclusive offers and promotions \u2014 we promise you won\u2019t regret it. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For more great tips and articles like this, join our<a href=\"https:\/\/t.me\/youtripsquad\"> Telegram<\/a> (@YouTripSG) and subscribe to our<a href=\"https:\/\/go.you.co\/blog-newsletter\"> free weekly newsletter here<\/a> or down below.&nbsp;&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For travel tips, event invites, and more, join our Community Telegram Group <a href=\"https:\/\/t.me\/youtripsquad\">@YouTripSquad<\/a>! \ud83d\udc9c<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Happy travels! <\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-3e41869c wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-fill\"><a class=\"wp-block-button__link has-white-color has-text-color has-background wp-element-button\" href=\"https:\/\/youtrip.onelink.me\/P5AL\/ohkz600g?utm_source=youtrip_blog&amp;utm_medium=article&amp;utm_campaign=youtrip_app_download&amp;utm_term=&amp;utm_content=\" style=\"background-color:#6d37ac\"><strong>sign up now!<\/strong><\/a><\/div>\n<\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Related Articles<\/strong><\/p>\n\n\n\n<p class=\"has-text-color wp-block-paragraph\" style=\"color:#712d82\"><a href=\"https:\/\/www.you.co\/sg\/blog\/best-things-to-do-in-canggu-bali\/\">2<strong>-Day Bali Itinerary: Best Things To Do In Canggu Bali<\/strong><\/a><strong><br><\/strong><a href=\"https:\/\/www.you.co\/sg\/blog\/best-bali-hotels\/\"><strong>14 Best Bali Hotels And Resorts (From S$54\/Night)<\/strong><\/a><br><a href=\"https:\/\/www.you.co\/sg\/blog\/things-to-do-in-chiang-mai\/\"><strong>21 Things To Do In Chiang Mai: What To Do, See, Eat<\/strong><\/a><\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><em>*The information stated above is true as of 30 March 2026<\/em><\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"728\" height=\"160\" src=\"https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2023\/08\/Blog-Bottom-Banner-1.png\" alt=\"\" class=\"wp-image-59000\" srcset=\"https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2023\/08\/Blog-Bottom-Banner-1.png 728w, https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2023\/08\/Blog-Bottom-Banner-1-300x66.png 300w, https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2023\/08\/Blog-Bottom-Banner-1-600x132.png 600w\" sizes=\"(max-width: 728px) 100vw, 728px\" \/><\/figure>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"728\" height=\"90\" src=\"https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2022\/11\/YB-Footer-1-23.png\" alt=\"\" class=\"wp-image-44716\" srcset=\"https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2022\/11\/YB-Footer-1-23.png 728w, https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2022\/11\/YB-Footer-1-23-300x37.png 300w, https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2022\/11\/YB-Footer-1-23-600x74.png 600w\" sizes=\"(max-width: 728px) 100vw, 728px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Withdraw HKD worry-free \ud83c\udfe7<\/p>\n","protected":false},"author":75,"featured_media":73881,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[8119,8117,624],"tags":[40185,40186,39168,40275],"class_list":["post-73868","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-guides-tips","category-itineraries","category-travel","tag-atm","tag-atm-withdrawal","tag-indonesia","tag-indonesia-atm-withdrawal"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.you.co\/sg\/wp-json\/wp\/v2\/posts\/73868","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.you.co\/sg\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.you.co\/sg\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.you.co\/sg\/wp-json\/wp\/v2\/users\/75"}],"replies":[{"embeddable":true,"href":"https:\/\/www.you.co\/sg\/wp-json\/wp\/v2\/comments?post=73868"}],"version-history":[{"count":5,"href":"https:\/\/www.you.co\/sg\/wp-json\/wp\/v2\/posts\/73868\/revisions"}],"predecessor-version":[{"id":88324,"href":"https:\/\/www.you.co\/sg\/wp-json\/wp\/v2\/posts\/73868\/revisions\/88324"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.you.co\/sg\/wp-json\/wp\/v2\/media\/73881"}],"wp:attachment":[{"href":"https:\/\/www.you.co\/sg\/wp-json\/wp\/v2\/media?parent=73868"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.you.co\/sg\/wp-json\/wp\/v2\/categories?post=73868"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.you.co\/sg\/wp-json\/wp\/v2\/tags?post=73868"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}