Using Gazprombank UnionPay Card in Bali

Acceptance

While Gazprombank's UnionPay card generally works in Bali, acceptance isn't as widespread as Visa or Mastercard. Here's a breakdown:

ATMs: You can reliably withdraw cash from ATMs belonging to BCA and Mandiri banks. Look for the UnionPay logo on the ATM to ensure compatibility.
Payments: Many, but not all, shops, restaurants, and cafes accept UnionPay. The likelihood of acceptance increases if the establishment uses BCA or Mandiri payment terminals. It's advisable to inquire beforehand or have alternative payment methods ready.
Online Transactions: Using the Gazprombank UnionPay card for online payments, such as booking hotels through platforms like Booking.com, is generally not successful.
Mobile Apps: Connecting the card to mobile apps like Grab or Gojek for transportation or food delivery is not possible.

Fees and Conversion Rates

ATM Withdrawal Fees: Expect a fee of around 7-9% when withdrawing cash from ATMs.
Currency Conversion: Gazprombank's conversion rates for UnionPay transactions are generally considered unfavorable compared to other banks or alternative methods like using a local money exchange service.

Tips

Carry Cash: Given the limitations of UnionPay acceptance, it's recommended to have a sufficient amount of cash on hand, especially for smaller businesses, warungs (local restaurants), or when venturing outside major tourist areas.
Explore Alternatives: Consider utilizing local money exchange services for better rates or explore options like opening a local bank account if staying in Bali for an extended period.
Stay Updated: The situation with card acceptance and regulations can change, so stay informed about current conditions before and during your trip.

Alternatives to Gazprombank UnionPay

Other UnionPay Cards: Cards from other banks like Rosselkhozbank or Post Bank may offer better conversion rates. However, their acceptance footprint is similar to Gazprombank's UnionPay card.
Local Bank Account: Opening a local bank account provides greater convenience and access to local payment systems. However, it may require assistance from a local agency and involve additional requirements.
Cryptocurrency: For tech-savvy individuals, converting cryptocurrency to local currency through platforms like Binance and then transferring it to local e-wallets like OVO or GoPay can be a viable option.

Conclusion

While the Gazprombank UnionPay card can be used in Bali, it's essential to be aware of its limitations and consider alternative payment methods for a smoother experience. Planning and having backup options will ensure a hassle-free trip to this beautiful island.