While UnionPay offers a viable option for payments in Bali, it's important to understand its limitations and best practices for a smooth experience.
ATM Withdrawals:
BCA ATMs: These are widely recognized as the most reliable option for UnionPay cash withdrawals. Look for ATMs with a sticker indicating 100,000 IDR notes for larger withdrawal limits (up to 2.5 million IDR per transaction).
Mandiri ATMs: These also generally accept UnionPay, but availability may vary.
Withdrawal Limits: Daily limits depend on your issuing bank, so checking with them beforehand is advisable. Some users report success with smaller withdrawal amounts (e.g., 500,000 IDR) when facing issues with larger sums.
Fees: Expect potential fees both from your issuing bank and the ATM operator.
Card Payments:
Acceptance: Not as widespread as ATM acceptance. Look for shops and restaurants displaying the UnionPay logo or those using BCA or Mandiri payment terminals.
Larger Establishments: Hotels and larger restaurants are more likely to accept UnionPay than smaller shops or warungs.
Supermarkets: Some supermarket chains like Indomaret may not accept UnionPay.
Tips:
Carry Cash: Having some Indonesian Rupiah on hand is recommended for situations where UnionPay isn't accepted.
Multiple Cards: If possible, consider having a backup card from another network like Visa or Mastercard.
Inform Your Bank: Let your bank know about your travel plans to avoid potential card blocks due to suspicious activity.
Local Currency Accounts: Explore options for setting up local currency accounts for potentially better exchange rates and convenience.
Alternatives:
Cryptocurrency: Some users suggest using cryptocurrency in conjunction with local bank accounts for potentially favorable exchange rates. However, this requires familiarity with crypto platforms and local regulations.
Cash Exchange: Exchanging foreign currency (USD or EUR) for Indonesian Rupiah remains a reliable option, but be mindful of exchange rates and potential scams.
Remember, experiences can vary, so staying informed and having backup options is crucial for a stress-free trip.