Southeast Asia

Money, cards and tipping in Indonesia

Capital: JakartaIndonesian, English, DutchUpdated October 2026

IDRRupiah

Money in Indonesia

Mostly cash Cash needed outside tourist areas and at warungs; Bali cafés, hotels and shops take cards, sometimes with a 2–3% surcharge. US$1 ≈ Rp17,883.05 (03 Oct 2026).

Key facts

Tipping: Not expected; restaurants often add service charge and 10% tax ('++'). Tip drivers, guides and spa staff for good service.
ATMs: Use ATMs inside banks or malls (skimming happens in Bali); limits often 2.5–3 million IDR; some banks add fees.
Paying by phone: QRIS codes everywhere; some Asian banking apps scan them. Cards and phone wallets work in Bali and Jakarta.
Price level: about 29% of US prices (World Bank PPP).

Cash or card, by place

Place	Cards	Notes
Bali	Mixed: cards and cash	Cards in cafés, hotels and shops, sometimes with a surcharge; cash for warungs, markets, drivers and temples. Use bank ATMs.
Ubud	Mixed: cards and cash	Cards in cafés, yoga studios and hotels; cash for warungs, markets, temples and local drivers.
Canggu	Cards almost everywhere	Cards and QRIS work in most cafés and shops, sometimes with a surcharge; cash for warungs, parking and drivers.
Jakarta	Cards almost everywhere	Cards and QRIS work in malls, cafés and restaurants; cash for warungs, street food, kramat markets and some taxis.
Seminyak	Cards almost everywhere	Cards and QRIS work in most restaurants and shops, sometimes with a surcharge; cash for warungs, parking and drivers.
Uluwatu	Mixed: cards and cash	Cards in cafés, clubs and hotels, sometimes with a surcharge; cash for warungs, parking and beach stalls.
Yogyakarta	Mostly cash	Cards in malls, hotels and some cafés; cash for warungs, markets, becak and entry tickets. QRIS is common.
Gili Islands	Mostly cash	Cards at dive shops, hotels and some restaurants with fees; ATMs run out and are often offline, so bring cash from Lombok or Bali.
Nusa Penida	Mostly cash	Cards at some hotels and dive shops; cash for homestays, warungs, entrance fees and drivers. ATMs are few and often empty.
Kuta	Mixed: cards and cash	Cards in malls, hotels and restaurants; cash for warungs, markets, surf lessons and drivers.
Lombok	Mostly cash	Cards at hotels and some restaurants; cash for warungs, markets, drivers and village stays. ATMs thin out in the south.
Labuan Bajo	Mostly cash	Cards in some hotels and dive shops with fees; cash for warungs, taxis, park fees and tours. ATMs sometimes run dry.
Nusa Dua	Cards almost everywhere	Cards and QRIS accepted widely at hotels, malls and restaurants; cash for local warungs and small boats.
Sanur	Cards almost everywhere	Cards and QRIS accepted at most cafés, restaurants and hotels; cash for warungs, markets, drivers and bike rentals.
Raja Ampat	Cash only	Bring all the cash you need; ATMs are only in Sorong and Waisai and often fail. Homestays and park fees are cash only.
Mount Bromo	Mostly cash	Bring cash: jeep drivers, homestays, horses and warungs are cash only; the nearest reliable ATMs are in Probolinggo and Sukapura.
Bandung	Mixed: cards and cash	Cards and QRIS in malls, hotels and many cafés; cash for warungs, angkot, markets and parking.
Nusa Lembongan	Mostly cash	Cards in resorts and bigger cafés; small guesthouses, warungs, boat tickets and scooter rental often cash only. ATMs exist but run empty.
Lake Toba	Mostly cash	Bring cash: warungs, guesthouses, ferries and scooter rentals are cash only. ATMs are in Parapat and Pangururan, often out of service.
Kuta Lombok	Mostly cash	Cards in bigger hotels and some cafés with a surcharge; cash for warungs, scooters, drivers and markets. Use bank ATMs in town and keep spare cash.
Amed	Mostly cash	Cards in a few dive resorts and cafés, often with a surcharge; cash for warungs, scooters and drivers. ATMs are in Culik and Karangasem.
Batam	Mixed: cards and cash	Cards and QRIS in malls, hotels and big restaurants; cash for warungs, angkot, small shops and markets.
Bintan	Mixed: cards and cash	Resorts and large restaurants take cards (Singapore dollars are often accepted at resorts); cash rupiah for Trikora, markets and Tanjung Pinang.
Malang	Mixed: cards and cash	Cards and QRIS in malls, hotels and many cafés; cash for warungs, angkot, markets and parking.
Bukit Lawang	Cash only	Cash only: guesthouses, guides, tubing and warungs do not take cards. Withdraw rupiah in Medan; the nearest ATMs in Bohorok are unreliable.
Medan	Mixed: cards and cash	Cards and QRIS in malls, hotels and many restaurants; cash for warungs, markets, bentors and angkot.
Surabaya	Mixed: cards and cash	Cards and QRIS in malls, hotels and big restaurants; cash for warungs, angkot, markets and parking.
Manado	Mixed: cards and cash	Cards and QRIS in malls, hotels and dive shops; cash for warungs, mikrolet, markets and boats.
Tana Toraja	Mostly cash	Cash for guesthouses, guides, bemo and warungs; some hotels take cards. ATMs in Rantepao and Makale, but fill up cash before villages.
Jimbaran	Mixed: cards and cash	Cards work in resorts and beach restaurants, sometimes with a surcharge. Carry rupiah for warungs, scooters, offerings and small shops.

Quick answers

Do you tip in Indonesia?

Not expected; restaurants often add service charge and 10% tax ('++'). Tip drivers, guides and spa staff for good service.

Is Indonesia cashless?

Mostly cash. Cash needed outside tourist areas and at warungs; Bali cafés, hotels and shops take cards, sometimes with a 2–3% surcharge.

What currency does Indonesia use?

The Rupiah (IDR). US$1 ≈ Rp17,883.05 (03 Oct 2026).

Sources

Compiled and reviewed by SoloSquare. How we compile and score this. Spotted something out of date? Tell us.