While experiences can vary, here's a summary of insights from traveler discussions:
Solidarnost UnionPay: Generally works well, particularly for cash withdrawals at ATMs. Some users report issues with specific merchants or online payments.
Other UnionPay Cards: Cards from various banks, including Gazprombank, Rosselkhozbank, and MTS Bank, are reported to function in Bali.
ATM Usage:
BCA ATMs: Widely recognized as the most reliable option for UnionPay cash withdrawals.
Mandiri ATMs: Can also work with UnionPay, but success rates may vary.
Withdrawal Limits: Typically around 2.5 million IDR per transaction.
Merchant Acceptance:
BCA Terminals: Most likely to accept UnionPay cards for payments.
Mandiri Terminals: Also have a good acceptance rate for UnionPay.
Other Terminals: Acceptance can be inconsistent, so it's advisable to have alternative payment methods.
Online Payments: UnionPay may not be widely accepted for online transactions. Consider using alternative methods like local bank transfers or e-wallets.
Tips:
Inform your bank about your travel plans to avoid potential card blocks.
Carry some cash as a backup in case of card issues.
Be mindful of potential skimming risks, especially in less secure ATM locations. Opt for ATMs at bank branches when possible.
Check for any withdrawal fees or foreign transaction charges associated with your card.
Consider getting a local bank card for more convenient and cost-effective transactions within Bali.
Additional Notes:
Experiences with specific cards and banks may differ.
It's recommended to have a backup plan in case of any card issues.
Always be cautious and aware of potential scams or fraudulent activities.