Denpasar

Banks and ATMs in Denpasar, Indonesia

Available Banking Services

• Types of Banks: Major banks include Bank Mandiri, BCA (Bank Central Asia), BNI (Bank Negara Indonesia), and BRI (Bank Rakyat Indonesia). These banks offer services such as savings and checking accounts, loans, credit cards, and investment services.
• Banking Hours: Most banks operate Monday to Friday from 8:00 AM to 3:00 PM, with some branches open on Saturdays until noon. ATMs are available 24/7.

ATM Accessibility

• Locations: ATMs are widely available throughout Denpasar, especially in tourist areas, shopping centers, and near banks. Look for ATMs in places like:
  • Bali Mall Galleria
  • Kuta Beach area
  • Near major hotels and resorts
• International Cards: Most ATMs accept international cards (Visa, MasterCard, Cirrus, Maestro). Check for the logos on the ATM before use.

Withdrawal Fees

• Local Fees: Banks may charge a fee for withdrawals, typically ranging from IDR 5,000 to IDR 15,000 per transaction.
• Foreign Bank Fees: Your home bank may also impose additional fees for international withdrawals. Check with your bank for specific rates.
• Withdrawal Limits: Daily withdrawal limits vary by ATM, usually between IDR 1,000,000 to IDR 3,000,000 (approximately $70 to $210).

Currency Exchange Options

• Exchange Services: Currency exchange services are available at banks, dedicated exchange offices (money changers), and airports.
• Rates: Compare rates at different locations; money changers often offer better rates than banks. Ensure the money changer is reputable to avoid scams.
• Documentation: Bring your passport for currency exchange at banks and some money changers.

Safety Tips

• ATM Safety: Use ATMs located in well-lit, busy areas. Avoid withdrawing large sums of money at once.
• Card Security: Be cautious of card skimming devices. Cover your PIN when entering it.
• Report Issues: If your card is retained by an ATM, contact your bank immediately.

Local Procedures and Cultural Considerations

• Language: English is commonly spoken in banks and tourist areas, but learning basic Indonesian phrases can be helpful.
• Tipping: Tipping is not mandatory but appreciated in service industries. For banking services, a small tip for exceptional service is acceptable.
• Banking Etiquette: Be patient and polite. Banking processes may take longer than expected, especially during peak hours.

Summary

Denpasar offers a range of banking services and ATM accessibility for both locals and visitors. Familiarize yourself with local fees, currency exchange options, and safety practices to ensure a smooth financial experience while in the city.