Banks & Money

The currency is the Indonesian Rupiah (IDR). Current rate (as of 2026): approx. 1 € ≈ 16,500–17,500 IDR. The many zeros can be confusing at first — 100,000 IDR sounds like a lot, but it's only ~6 €.

ATMs

In the cities (Jakarta, Yogyakarta, Surabaya, Medan, Makassar), you will find ATMs everywhere. On Flores, in Toraja, and on smaller islands, ATMs are rare and unreliable — sometimes empty, sometimes out of order.

• BCA and Mandiri have the most reliable ATMs and the highest withdrawal limits (up to 2,500,000 IDR / ~150 € per transaction)
• BNI ATMs allow up to 5,000,000 IDR (~300 €) per withdrawal
• Fee per withdrawal: varies, usually free at the ATM itself (your home bank may charge fees)
• Always decline Dynamic Currency Conversion — choose IDR, not EUR

Cash

Indonesia is a cash society, especially outside the major cities. On Flores, in Toraja, and on the Togian Islands, there are no ATMs — you need enough cash in IDR for the entire duration of your stay. Credit cards are only accepted in mid- to upper-class hotels and restaurants.