ATMs in Bali
ATMs are widely available across Bali, but choosing the right machines makes a big difference. Some ATMs are extremely safe, while others — especially standalone machines in minimarts — are known for skimming and card‑capture scams.
This guide explains which ATMs to use, which to avoid, how to minimise fees, and how to keep your card safe.
🏦 The Safest ATMs in Bali
Always use ATMs that are attached to major bank branches. These machines are monitored, maintained, and far less likely to be tampered with.
- BCA (Blue machines — most reliable)
- Mandiri
- BNI
- BRI
These banks have branches in all major areas: Canggu, Seminyak, Kuta, Ubud, Sanur, and the airport.
🚫 ATMs to Avoid
Some ATMs are known hotspots for skimming and card theft. Avoid:
- Standalone ATMs in minimarts (Circle K, Alfamart, Indomaret)
- Machines in dark or isolated areas
- ATMs with loose card slots or unusual screens
- Machines offering unusually high withdrawal limits
If an ATM looks suspicious, walk away — there’s always another one nearby.
💵 Withdrawal Limits & Fees
Most Indonesian ATMs limit withdrawals to:
- 2,000,000–3,000,000 IDR per transaction
- Some BCA machines allow up to 2.5M IDR
To reduce fees:
- Withdraw larger amounts less frequently
- Use a travel card with low international fees
- Avoid dynamic currency conversion (DCC)
Always choose “Charge in IDR” — selecting your home currency adds a huge markup.
🔐 ATM Safety Tips
- Cover the keypad when entering your PIN
- Check for loose or unusual card slots
- Cancel the transaction if the screen glitches
- Keep your card in sight — never hand it to staff
- Use ATMs during the day when possible
😬 If Your Card Gets “Eaten”
It happens occasionally, especially with older machines. If your card is taken:
- Call your bank immediately
- Freeze the card in your banking app
- Do not rely on minimart staff — they cannot retrieve it
- Use a backup card or cash until resolved
This is why it’s smart to carry a second card and keep it separate from your main wallet.
Related Guides
Frequently Asked Questions
Are ATMs safe in Bali?
Yes — as long as you use machines attached to major banks like BCA, Mandiri, BNI, or BRI.
Which ATMs should I avoid?
Avoid standalone ATMs in minimarts, as these are the most common locations for skimming.
What are the withdrawal limits?
Most ATMs allow 2–3 million IDR per transaction, depending on the bank.
Should I choose IDR or my home currency?
Always choose IDR to avoid expensive dynamic currency conversion fees.