What is more profitable in Bali, the euro or the dollar. Money in Bali: instructions for use

Bali is one of the few countries in the world where you can exchange $ 100 for local money and immediately become a millionaire. It's a pity that the Indonesian million is not particularly clear. Here, as in Russia before the denomination, bills with at least three zeros are used.

National currency

Let's start with the fact that Bali is part of the Republic of Indonesia, the currency of which is the Indonesian rupee (sign - Rp, bank ISO code - IDR). Despite the popularity of queries “ruble against Bali's currency”, there is no special money on the island. Small coins up to 1,000 rupees and paper bills are in use. The denomination of paper money: 1,000, 2,000, 5,000, 10,000, 20,000, 50,000 and 100,000 rupees.

At first, it is easy to get confused in zeros, take, for example, 2 thousand for 20 thousand. Therefore, we count the change carefully, pay attention to the denomination and color of the note. Red, blue, green banknotes are large. They also differ in size - 100 thousand bills of the largest size, further down.

What money is better to take in Bali?

All exchange offices accept euros. But with dollars, problems may arise - exchangers do not accept money issued before 2009, small bills, banknotes of certain series, for example, AB. It is believed that $ 100 is often faked, do not be surprised that they will be scrutinized for a long time and suspiciously, rubbed, and then offered to change at an understated rate. Wrinkled, dirty money with a crease in the middle will not be accepted.

Currency exchange

Dollars and euros can be exchanged at a bank with a currency exchange office, for this you only need a passport. The rate here will be slightly lower than in street exchangers, but the likelihood of deception is less. In addition, there are many street and authorized currency exchange centers on the island. Do not change money in suspicious places, do not chase the most profitable course. This is exactly the case when the miser pays twice. Real magicians work in exchangers. Indonesians masterfully perform tricks with disappearance, substitution, and show mathematical tricks. True, you will have to pay for the spectacle.

The most popular ways to cheat:

1. Slip a banknote of the wrong denomination and assure you that they are giving a little more than they should. Small money is over, we give you a couple of thousand, bro!
2. When converting one currency into another, smaller numbers are multiplied. Do not be lazy to double-check, since there is a calculator in all phones.
3. Count the money in front of you and discreetly throw off a few bills. Sometimes money is counted in front of you and laid out in piles. Before collecting all the bills, the employee throws part of the stack behind the counter. After the transfer, it is necessary to count all the money right at the counter. Find out the loss - they will simply return the currency to you and offer to change it elsewhere. It is not a profitable course for everyone.

The rupee against the dollar and euro in the middle of the week is slightly higher than on weekends. Where there are more exchange offices, the rate is also more profitable. If you are going to go to a remote village, change your currency in advance.

Withdrawing money from an ATM

Some tourists prefer to take some cash with them for exchange at the airport upon arrival, and bring the rest on a ruble or dollar card.

ATMs have different cash withdrawal limits. Some of them issue no more than 1.5 million, others up to 3 million. As a rule, the limit and denomination of bills issued by the machine is indicated on the ATM. Moreover, the commission for each withdrawal will be fixed. If you need to withdraw a large amount, choose an ATM with a large limit.

It is almost impossible to calculate the final commission for cash withdrawals. At the ATM, the commission of the local bank is indicated. To it will be added the commission of a Russian bank for withdrawing from someone else's ATM and a commission for converting money. How many conversions your ruble went through before becoming a rupee, and at what exchange rate is unknown. We tried to calculate how this happens: the ruble - the dollar - the Indonesian rupee, the ruble - the euro - the dollar - the Indonesian rupee, but we never succeeded in solving this equation with many unknowns.

Another unpleasant surprise is the vigilance of Russian banks. Indonesia is on the black list of countries where financial frauds are frequent. After several withdrawals, the bank may block the card, leaving you on the island in only your swimwear. And then goodbye to coconuts on the beach, cheap selling love, spa and massage. After all, to unblock you need a personal presence at the bank.

To avoid the above troubles, it is recommended that you notify the bank about your plans before going on vacation. If such an opportunity is provided, set a daily limit for cash withdrawals. In some banks it is possible to insure the card against theft or loss. Ideally, calculate how much money you need in Bali, distribute this amount among several cards of different banks.

In advance, print out the passwords for entering the personal account of the bank. If you are going to Bali for a long time, turn on the Russian sim card from time to time. Some operators block it after a month of non-use. It is practically impossible to enter your personal account without a mobile phone, which means that you cannot track your finances.

And the last, obvious advice: don't stick the card anywhere!

Payment by card

Cards are accepted in cafes and large stores. But you shouldn't wave your credit card recklessly. You can pay safely in large European supermarkets. When buying clothes or equipment, an additional 4% can be withdrawn.
To easily navigate local prices and quickly convert rupees to rubles, multiply the price by 4.5 (approximately this is the average ruble exchange rate against the rupee in 2017), divide by 1000 (discard the zeros).

Lifepack for the paranoid: if you are going to pay with a card, cover the CVV2 code with electrical tape (three numbers indicated on the back of the card) so that fraudsters do not have the opportunity to photograph or spy on it.

How to avoid becoming a victim of theft

Another problem is where to keep the money? Gone are the days when they made secret pockets in their pants before the holidays - but in vain. It is better not to put money in a bundle in the chained bedside table of the hotel, cases of theft, unfortunately, are not uncommon. Taking all the cash when recovering on a bike ride is also not worth it. According to local rules, a fine for too white skin, lack of a helmet on the head or other violation is taken right on the spot. It is equal to the amount of cash you have with you. Therefore, upon arrival, find a secret place where you can hide your savings. The main thing is not to forget this place.

Remember, not all people in Bali are bad and want to cheat on you, quite the opposite. The indigenous Balinese are unlikely to want to rob you, religion does not allow. Mainly newcomers earn money by criminal undertakings. Exercise reasonable vigilance and then no one will spoil your vacation!

Tourists are usually interested in what currency to take with them. For a traveler, this is an important question. What is the most profitable currency in Bali to exchange?

The dollar and the euro are in the greatest demand on the island.

1.00 dollar (USD) = 12.328 rupees (IDR)

1.00 euros (EUR) = 16,859 rupees (IDR)

The Indonesian currency is the rupee. Bali currency to ruble - approximate rate:

1 RUB = 348.75 rupees (IDR)

What currency should I take with me in Bali?

It is most profitable to change dollars at local exchange offices. Euro is less valuable, and in some exchangers the European currency is not even accepted. Apparently, the closeness of America affects.

It is recommended to take 50-100 dollar bills with you. The year of issue must be no earlier than 2004. Otherwise, the currency may not be exchanged, or it will be offered at a reduced rate. It is better to have the rest of the amount on the card.

How do I pay in stores?

It is better to pay in stores in rupees, since sellers (like taxi drivers) can calculate money at an undervalued rate. It is better to change currency at a normal exchange office, where a receipt is issued, and the money can be counted. It is not recommended to make exchanges on the streets, where they usually offer an overvalued exchange rate. Fraudsters often come across, and you can be left without a significant part of the money. Currency can be exchanged at the airport, but in hotels the rate is small. You should also not be surprised that the course is constantly changing: in the morning it can be one, and in the evening it can be different.

How much money to take with you to Bali?

For one person for 10 days, an amount of $ 500-1000 will be enough. Experienced travelers are advised to have $ 1,000 for incidentals.

Which map is better to open for a trip?

The most important thing is that it is a Visa debit card. It is advised to carry your savings on several cards. Before traveling, you should contact your bank, otherwise the card may be blocked when withdrawing money in Indonesia.

Bali ATMs

At an ATM, you can withdraw a little more than $ 100 at a time. It should be noted that a commission is charged for each operation, and it can be different. For the convenience of customers, ATMs have information on the percentage of the commission. Some ATMs do not dispense a large amount of money, so you have to pay a commission for each transaction. It is recommended to first study the information about the commission on the device itself, so as not to lose a large amount. It is advisable to contact a bank in Bali when withdrawing a large amount.

When you first go to Bali, you are always interested in someone else's experience. Therefore, tourists usually want to receive maximum information about all possible financial transactions on the island in advance. Interested in the currency applicable on the island of Bali, the exchange rate against the ruble, and so on. Russian money should not be taken on a trip - it is better to exchange it for dollars or euros in advance. When exchanging currency on the island, use the authorized exchange offices.

Rupees - the national currency in Bali

Choosing a vacation on an Indonesian resort island, first you need to decide the money issue - what currency is in use in Bali, how much it will cost you this trip, how much additional money you need to take, what money is preferable in Bali, and so on. And if you decide to visit the island of God through a specialized Russian company, then the range of questions expands, no matter how paradoxical it may seem.

After all, you want to spend a vacation on the shores of an exotic ocean (even two!), Fully enjoy the special atmosphere of ancient Balinese temples, get excellent service and pay an adequate price with all this.

Therefore, we create these articles to minimize real risks and provide a number of specific, proven tips and tricks. Today we will consider a trip to a paradise island using the service of travel agencies, which is probably the best option for those who first decided on this vacation. Well, in the next article we will offer you the best way: "".

How much money to take with you when traveling through a tour operator

Of course, travel agents will try to tell you about Bali as colorful and romantic as possible and, showing a lot of catalogs with beautiful views of the island of God, the money issue will be deliberately left for later. Thus, trying to "zombify" you in a certain way with exoticism and uniqueness, so that you will not be shocked by the final price of the trip, but will be accepted by you as a pleasant given and a reasonable price for "exclusive".

But since today we put the monetary aspect of travel in the foreground, we will try to reveal several secrets and tricks that add up to this rather round sum. But first, a little "financial lesson" of the island of joy.

Bali's monetary unit is the Indonesian rupee (IDR). Their bargaining chip is called sen (1 sen is equal to one hundredth of a rupee). Rupee banknotes are in denominations: 1,000, 5,000, 10,000, 20,000, 50,000, 100,000. Coins (sen) in denominations: 100, 200, 500, 1000.

The exchange rate of the local currency against the ruble and the dollar, other foreign currencies as of the end of August 2015 is approximately as follows:

• 1 United States dollar (USD): 14,048.85 rupees
• 1 Russian ruble (RUB): 198.32 rupees
• 1 Euro (EUR): 16,151.96 rupees
• 1 Ukrainian hryvnia (UAN): 623.49 rupees.

Currency Converter

I must also say that the currency in Bali has a rather strange inexplicable shift in priorities. If a year ago the US dollar was best accepted, then they “fell in love” with the Japanese yen for three months, but now the euro is the most quoted on the island, and it can be changed with the greatest benefit. Although, who knows what will happen in a month? Maybe they will spread to the Australian dollar, which, by the way, has also happened there more than once. But this is unpredictable, however, like, and much more in Bali, get used to it ... Naturally, this is the official rate of the central Indonesian bank, which changes daily, and in banks and various exchange offices in Bali there is always a “special” rate of the resort island, and it is often much lower than the official one. It is especially low in hotels and near various shopping centers. It is best to find a state bank (it is usually located quite far from the beaches) or exchange money immediately at the exchange office of the arrival airport.

And to the frequently asked question of tourists who buy tickets for the first time to an amazing island on the equator - how much extra money to take in Bali? - we will answer with very witty words of our former compatriot that he has been living there permanently for 10 years now, working as a guide and diving instructor:

Bali categorically does not accept plans: as it will be, it should be. Some 300 dollars are enough for full happiness and delight, and some spend 10-15 thousand dollars in a week and they do not have enough! And, interestingly, the former return with a bunch of positive impressions, and the latter with a bag of useless clothes, souvenirs and a dejected feeling that their vacation was wasted. These are all Bali "jokes" ...

How much money should I take with me? All the difficulties of answering an incorrect question

Bali currency: small money

As for the question of the money of people who traveled to the resort island through Russian tour operators, it is not entirely correct for many reasons. And the "first tourists" to the paradise island can be understood - they have not yet decided what currency to take in Bali and how much, they have never seen Balinese rupees, and all this seems scary to them.

Although, since they buy a full package from tourism professionals, they are obliged to bring all this to the attention of their clients in detail, knowing their inexperience and fears. But for some reason, many do not do this, which is categorically wrong even under the law. We're not talking about moral principles.

And everything should be something like this. In addition to beautiful pictures, photographs and the total (it is not clear where it came from!) Amount, a professional and honest seller of vouchers should paint everything:

1. $ 900 - round trip plane tickets (via Singapore) - and you are in Bali. Fly 15-16 hours. Our guide will meet you at the airport, arrange delivery to your hotel, everything is ready there.
2. $ 55 - a receipt for payment of the transfer, on the basis of this you will be delivered directly to the hotel.
3. Nusa Dua. 5-star hotel, suite, insurance, full board for 14 days: from you $ 3550. To the sea 3 minutes. Service, security, Internet, round-the-clock telephone support.
4. Here is a list of the best excursions and their payment - $ 820.
5. Organized group trips to supermarkets and exotic markets - $ 500.
6. Assistance in the exchange of money, the telephone number of the representative in Nusa Dua, the telephone number of the Russian embassy.
7. Delivery to the airport at the end of the holiday and so on.
8. Why so expensive? This includes our legitimate commercial wrap, quality service and a guarantee of all our contractual terms and conditions and our obligations to you.
9. And for "cheap" you will live with three Chinese in one room with mold on the walls and 15 kilometers from the sea, please, but other firms are engaged in this. We value our impeccable long-term reputation. Thanks.

It should be so, but who can tell us that it was so? Quiet something ...

What kind of money "goes" to Bali? This question is asked by everyone who plans to come here. Anticipating your curiosity - Bali's currency is as exotic as the island itself.

What money is in Bali?

The monetary unit of Bali, like the whole of Indonesia, is the Indonesian rupee. It is designated "RP". In circulation there are banknotes in denominations of 100,000, 50,000, 20,000, 10,000, 5,000, 2,000 and 1,000 rupees,

as well as coins in denominations of 1000, 500, 200 and 100 rupees.

Indonesian banknotes can cause quiet horror in a Russian tourist: firstly, almost all banknotes are made in a similar color scheme, and secondly, the huge number of zeros is simply confusing. This is what the enterprising Balinese use.

All these "pieces of paper" amount to only $ 33

Dollar to rupee

The exchange rate of the rupee monetary currency fluctuates at the speed of light for one week. But you need to be guided by the following ratio of the dollar to the rupee: 1 to 9000.

An unfavorable rate is offered by the exchanger at Denpasar Airport. Also, avoid exchange offices in tourist areas.

It is safer to exchange money in banks. There are frequent cases of deception, so always recalculate the amount that you are going to give and calculate on the calculator what is due to you at this rate.

Also, inquire about the availability of the commission.

It should be borne in mind that the Balinese do not accept dollars issued before 2004. Most likely they are exchanged, but only in some state banks and at a reduced rate.

Cashless payments and plastic cards

You can bring a dollar card to Bali. In this case, when withdrawing money, the ATM will automatically convert dollars into rupees, withdrawing a small percentage. But, as a rule, the course is not very profitable. The only exception is Mandiri ATMs.

"" Mandiri "- ATM network on the island

customer support phone "Mandiri"

There is a branch of the Russian bank Citibank in Bali. If you are planning to relax in the south of the island, it makes sense to get yourself a plastic card of this bank. And then no additional amounts will be withdrawn from the account when cashing out money.

Citibank card

Bali shops freely accept Visa and MasterCard.

Bali, as you know, is part of the Republic of Indonesia, and therefore the Indonesian rupee is used on the island. Bali's money can be confusing at first - most of our compatriots have not seen such a number of zeros since the 90s. However, very soon it becomes commonplace to measure prices in thousands and millions of rupees. If the locals tell you that slippers cost 30 rupees, feel free to multiply that by a thousand (and divide by two, since bargaining is not prohibited in many places).

Bali money. Acquaintance

Bali money is represented by banknotes and coins. Banknote denominations:

• 100 thousand rupees
• 50 thousand rupees
• 20 thousand rupees
• 10 thousand rupees
• 5 thousand rupees
• 2 thousand rupees
• 1 thousand rupees

Bali money in the form of coins is pretty useless for most calculations, but we will list it anyway:

• 1 thousand rupees
• 500 rupees
• 200 rupees
• 100 rupees

Also, sometimes you may come across coins with holes in the middle. Such Balinese money is of Chinese origin. In the past, they were used for small purchases, but now they have only religious significance - they are used for a wide variety of ceremonies as offerings to spirits and gods.

At the moment (March 2016), the exchange rate of the Indonesian rupee is approximately 13 thousand per US dollar and about 15 thousand per euro. In order to navigate the prices, you can approximately accept 10 thousand rupees for one dollar or 1 thousand rupees - 5.5 rubles. In order not to bother yourself with calculations, follow the daily rupee exchange rate on this website https://www.calc.ru/kurs-IDR-RUB.html

How to get treasured rupees: ATMs and exchange offices

If you are going to Bali, you need to decide how you will receive Indonesian rupees. As you might guess, there are two ways to get money in Bali. Bali money can be withdrawn from local ATMs or foreign currency can be exchanged. Each method has its own nuances, which we will tell you about.
If you are going to come to Bali with cash and exchange it locally, there are a few things you need to know. Firstly, rubles are practically not exchanged here. Even if you find an exchange office where Russian currency is accepted, the rate will be such that you will begin to consider even Sberbank a stronghold of humanism and humanity. So bring your dollars or euros with you. There is an exchange office, but the exchange rate there is far from the most favorable, so we advise you to exchange you only the amount necessary for a transfer from the airport to the place where you booked accommodation. Try not to buy Bali money from street money changers - their rate may seem more profitable, but they will almost certainly try to cheat you. If you do decide to make such a deal, check your money at least twice. Keep in mind that in many exchange offices the rate depends on the denomination of the banknote. So, very many places will allocate a little more Balinese money for one hundred-dollar bill than for five ten-dollar bills. Also, not everywhere you can exchange American dollars 1996 and older.
If you decide to come to Bali with a bank card, you also need to know a couple of nuances regarding Bali money. Finding an ATM in most of Bali's tourist areas is easy. Whatever the denomination of your bank card - in rubles or in foreign currency - ATMs issue money in Indonesian rupees. Some of the machines are loaded with 100,000 rupee bills, others with 50,000 rupee notes. It is best to take with you a card linked to an account in a freely convertible currency (US dollars or euros). This will help to minimize the size of commissions when withdrawing money from the account. The average commission size is about 3%. As in many other Asian countries, in Indonesia, including Bali, the MasterCard payment system is used more widely than Visa. Keep in mind that the amount that can be withdrawn from your card at a time is capped at 3 million rupees at best.

Important!!!Do not withdraw money from ATMs located on the street! Because you run the risk of returning home and finding that someone in Indonesia has withdrawn all your money from the card. You need to withdraw money in guarded places: banks or supermarkets.

As you can see, there is nothing particularly difficult in using money in Bali. You may be confused at first with piles of zeros, but the adaptation period will take a very short time. Welcome to the land of rupee millionaires!