UnionPay cards in Bali: What works and what doesn't
While many UnionPay cards function in Bali, some limitations and inconsistencies exist. Here's a breakdown:
Banks with working UnionPay cards:
Gazprombank
Post Bank
Solidarity
Rosselkhozbank
Russian Standard Bank
PrimSocBank
VBRR (All-Russian Regional Development Bank)
Zenit Bank
Where you can use UnionPay:
ATMs: BCA ATMs are generally reliable for UnionPay cash withdrawals. Mandiri and Maybank ATMs may work, but success is less consistent.
Stores and restaurants: Many merchants accept UnionPay, particularly those with BCA or Mandiri payment terminals. However, some smaller shops or those with less common terminals might not.
Limitations:
Online payments: Using UnionPay for online transactions like booking hotels can be problematic. Consider booking and paying on arrival or using alternative payment methods.
ATM withdrawal limits: BCA ATMs have a per-transaction limit of 2.5 million IDR for 100,000 IDR notes. Other banks may have different limits.
Currency conversion: Conversion rates for UnionPay can be unfavorable. Explore options like cryptocurrency exchange for potentially better rates.
Tips:
Carry cash: Having some Indonesian Rupiah on hand is advisable for situations where cards aren't accepted.
Check with your bank: Inquire about your card's specific limitations and fees for international use.
Be prepared for inconsistencies: Not all merchants or ATMs will accept UnionPay, so having a backup plan is essential.
Alternatives to consider:
Local bank account: Opening a Permata bank account and using cryptocurrency for transfers can offer better exchange rates and convenience.
International Visa/Mastercard: If you have access to one, these cards might provide wider acceptance and better conversion rates.
Remember, the situation with card acceptance and regulations can change, so staying updated and having backup options is crucial.