Medan

๐Ÿ’ณ

ATMs

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ATMs in Medan, Indonesia

Availability

  • Prevalence: ATMs are widely available in Medan, especially in urban areas, shopping centers, and near tourist attractions.
  • Hours: Most ATMs operate 24/7, but some may be located in bank branches with limited hours.

Locations

  • Common Locations:
    • Major banks (e.g., BCA, Mandiri, BNI)
    • Shopping malls (e.g., Sun Plaza, Medan Mall)
    • Airports (Kualanamu International Airport)
    • Tourist areas and hotels

Fees

  • Withdrawal Fees: Local banks may charge fees for withdrawals, typically ranging from IDR 5,000 to IDR 15,000 per transaction.
  • Foreign Card Fees: International cards may incur additional fees from the issuing bank, often around 1-3% of the transaction amount.

Withdrawal Limits

  • Local ATMs: Generally, the withdrawal limit is between IDR 1,000,000 to IDR 3,000,000 per transaction (approximately $65 to $195).
  • Daily Limits: Daily withdrawal limits can vary by bank, typically ranging from IDR 5,000,000 to IDR 10,000,000.

Accepted Cards

  • International Cards: Most ATMs accept major international cards such as Visa, MasterCard, and Cirrus.
  • Local Cards: Local bank cards are widely accepted, but ensure your card has a global network affiliation.

Safety Tips

  • Choose Busy Locations: Use ATMs in well-lit, busy areas to enhance safety.
  • Be Aware of Surroundings: Stay vigilant and avoid using ATMs at night or in isolated areas.
  • Cover PIN Entry: Shield your PIN entry from view to prevent skimming or theft.
  • Check for Tampering: Inspect the ATM for any unusual attachments or signs of tampering before use.

Cultural Considerations

  • Local Etiquette: Be respectful and patient while using ATMs, especially if there are locals waiting.
  • Language: Most ATMs have an English language option, but basic knowledge of Indonesian phrases can be helpful.
  • Cash Preference: Cash is widely used in Medan; ensure you have sufficient cash for small purchases, as not all vendors accept cards.

Practical Advice

  • Notify Your Bank: Inform your bank of your travel plans to avoid card blocks due to suspicious activity.
  • Keep Cash on Hand: Carry a mix of cash and cards for flexibility, especially in rural areas where ATMs may be scarce.
  • Use Local Currency: Withdraw in Indonesian Rupiah (IDR) to avoid unfavorable exchange rates.

By following these guidelines, you can navigate ATM usage in Medan effectively and safely.