Using Gazprombank UnionPay Card in Bali: What You Need to Know
While experiences can vary, Gazprombank's UnionPay card generally functions well in Bali for both payments and cash withdrawals. However, there are some key points to keep in mind:
Acceptance:
Not universal: While widely accepted, UnionPay isn't as ubiquitous as Visa or Mastercard. Always check with the merchant beforehand or look for the UnionPay logo.
Focus on specific banks: Prioritize merchants using BCA or Mandiri bank terminals, as they consistently process UnionPay transactions.
Cash as backup: Carry some cash, especially for smaller establishments or areas with limited card acceptance.
Cash Withdrawals:
Limited banks: Withdrawals primarily work at BCA and some Mandiri ATMs.
Withdrawal limits: BCA typically allows 2.5 million IDR per transaction, with a maximum of 4 transactions per day.
Fees and exchange rates: Be aware of potential fees and exchange rate differences, which can vary depending on your card type and bank policies.
Tips:
Inform your bank: Notify Gazprombank about your travel plans to avoid potential transaction blocks due to security concerns.
Check card settings: Ensure your card is enabled for international use and has sufficient withdrawal limits.
Monitor transactions: Keep track of your spending and be vigilant against potential scams or card skimming.
Consider alternative options: Explore additional financial solutions like local bank accounts or trusted currency exchange services for better rates and flexibility.
Alternatives to Cash Withdrawals:
Currency exchange services: Utilize reputable currency exchange services for potentially better rates compared to ATM withdrawals.
Cryptocurrency: Consider using cryptocurrency platforms like Binance to transfer funds to local e-wallets like OVO or GoPay for convenient payments.
Remember, the situation with international cards can change, so it's advisable to stay informed and have backup plans.