Indonesia uses the rupiah (IDR). Cards are widely accepted in major cities and tourist areas, with Visa and Mastercard the most widely accepted, but carry rupiah for smaller towns, markets and remote places. Declare cash above IDR 100,000,000 when entering or leaving Indonesia.
At a glance
Currency
Indonesian rupiah (IDR)
Most accepted cards
Visa and Mastercard
Customs declaration
Above IDR 100,000,000
ATM networks
Cirrus, Maestro and Plus
Remote areas
Carry rupiah and small change
Packing checklist
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Documents
Clothes and footwear
Personal and health needs
Money
Money and forex (IDR)
Rules checked 22 Oct 2026
The official currency is the Indonesian rupiah (IDR). Indonesia Tourism says that by law all transactions are conducted in rupiah, and credit cards are widely accepted in hotels, large restaurants and large stores.
Cash and cards
Most international card networks are accepted in major cities and tourist hotspots including Bali. Visa and Mastercard are the most widely accepted cards, and some shops may not display the cards they accept, so ask first. Even so, carrying enough rupiah is highly advisable, especially for smaller towns and remote areas.
ATMs and fees
ATMs on the Cirrus, Maestro and Plus networks are common in major cities and tourist destinations. Withdrawal limits depend on your home bank. Machines are loaded with IDR 50,000 or IDR 100,000 notes, and the larger notes can be harder to split in rural areas, so withdraw in major cities before going somewhere secluded.
Backup plan
You can exchange foreign currency at banks and money changers in major cities, and most tourist resorts have money changers. If you go to remote areas, exchange money beforehand. Keep small change for markets.
