ATMs: Gazprombank UnionPay cards are widely reported to work for cash withdrawals at BCA ATMs. Some users have also reported success with Mandiri ATMs. However, it's important to note that experiences may vary, and it's recommended to have a backup plan in case of difficulties.
Payments: Acceptance for payments with Gazprombank UnionPay cards can vary depending on the merchant's payment terminal. BCA and Mandiri terminals are more likely to accept UnionPay cards, while others may not. It's always a good idea to ask the merchant beforehand or have an alternative payment method available.
Withdrawal Limits:
BCA ATMs: The withdrawal limit per transaction at BCA ATMs is typically 2.5 million IDR. However, this may be affected by the denominations of bills available in the machine. If the ATM dispenses only 50,000 IDR notes, the maximum withdrawal amount may be 1.25 million IDR.
Gazprombank daily limit: Gazprombank may impose its own daily withdrawal limits, so it's essential to check with the bank for specific details.
Tips:
Inform Gazprombank about travel plans: Notifying the bank about your travel dates and destination can help prevent any potential card blocks due to suspected fraudulent activity.
Carry alternative payment methods: While UnionPay acceptance is growing, it's still advisable to have alternative payment methods such as cash or other cards as a backup.
Check ATM denominations: Before attempting a withdrawal, check if the ATM dispenses 100,000 IDR notes to maximize the withdrawal amount.
Be aware of potential fees: Both Gazprombank and the ATM operator may charge fees for withdrawals, so it's crucial to understand the fee structure before using your card.
Additional Considerations:
Currency Conversion: Converting rubles to IDR through UnionPay may involve multiple currency conversions and potentially unfavorable exchange rates. Exploring alternative methods like using cryptocurrency in conjunction with a local bank account could be more cost-effective.
Local Bank Accounts: For longer stays or frequent transactions, opening a local bank account can offer greater convenience and potentially better exchange rates.
Remember, experiences with UnionPay cards can vary, and it's always best to have backup options and be informed about potential limitations and fees.