While UnionPay enjoys widespread acceptance in many parts of the world, its functionality in Bali comes with certain nuances that travelers should be aware of. Here's a breakdown of what you can expect:
Acceptance:
Offline Payments: UnionPay is generally accepted at most major retailers, including supermarkets, restaurants, and shopping malls, especially those equipped with BCA or Mandiri terminals. However, smaller shops and local warungs (small family-owned businesses) might not have compatible terminals.
Online Payments: Using UnionPay for online transactions can be challenging as it's not as widely supported as Visa or Mastercard. Some local e-commerce platforms like Tokopedia might offer limited support, but international platforms like Booking.com or Airbnb often have restrictions.
Cash Withdrawals:
ATMs: You can withdraw cash from ATMs displaying the UnionPay logo, primarily those belonging to BCA and certain Mandiri branches. However, be aware that withdrawal fees can be relatively high, ranging from 3€ to 7-9% of the withdrawn amount.
Tips:
Carry Cash: Due to the inconsistency of UnionPay acceptance, it's advisable to carry sufficient cash (Indonesian Rupiah) to cover smaller purchases and situations where card payments aren't possible.
Check ATM Locations: Before relying solely on ATMs, ensure you know the locations of BCA and Mandiri ATMs in your area, especially if you're staying in less touristy regions.
Consider Alternatives: For greater convenience and flexibility, explore alternative payment methods like local e-wallets (GoPay, OVO, DANA) or international cards with lower foreign transaction fees.
Important Note:
Sanctions Impact: Recent sanctions have affected the functionality of UnionPay cards issued by certain Russian banks. It's crucial to verify with your issuing bank if your card is still operational in Bali before relying on it for your trip.
In conclusion:
While UnionPay can be a viable option in Bali, it's essential to be aware of its limitations and have backup plans in place. Combining its usage with cash and other payment methods will ensure a smooth and worry-free travel experience on the island.