Using UnionPay in Bali: ATM Withdrawals and Payment Options

Bali, the Island of the Gods, offers stunning landscapes and rich culture. For international travelers, navigating payment methods is crucial. While cash remains prevalent, several options exist for card payments, including UnionPay. This guide explores using UnionPay cards in Bali, focusing on ATM withdrawals and payment options.

ATM Withdrawals with UnionPay

Two primary banks in Bali readily accept UnionPay cards for ATM withdrawals:

• BCA (Bank Central Asia): Look for ATMs with the BCA logo and UnionPay symbol. BCA has a widespread network, making it convenient to find their ATMs.
• Mandiri Bank: Similar to BCA, Mandiri Bank ATMs often display the UnionPay symbol, indicating acceptance. They also offer a decent network across the island.

While these banks generally support UnionPay withdrawals, it's essential to be aware of potential limitations:

• Withdrawal Limits: ATMs typically have a maximum withdrawal limit per transaction, often around 2.5 million to 3 million Indonesian Rupiah (IDR).
• Daily Limits: Banks may impose daily withdrawal limits, which can vary depending on your card type and issuing bank. It's best to check with your bank for specific details.

Payment Options with UnionPay

UnionPay acceptance for payments in Bali varies depending on the merchant and their payment terminal. Here's a breakdown:

• BCA and Mandiri Terminals: Merchants using BCA or Mandiri payment terminals are most likely to accept UnionPay cards.
• Other Terminals: While less common, some merchants with terminals from other banks, like BNI or BRI, may also accept UnionPay. Look for the UnionPay logo on the terminal or ask the cashier before attempting payment.

Tips for Using UnionPay in Bali

• Carry Cash: As UnionPay acceptance is not universal, carrying some cash, especially in smaller establishments or remote areas, is advisable.
• Inform Your Bank: Before traveling, notify your bank about your trip to Bali to avoid potential card blocks due to overseas activity.
• Check for Symbols: Look for the UnionPay symbol on ATMs and payment terminals to confirm acceptance.
• Be Aware of Limits: Understand your card's withdrawal limits and plan accordingly.
• Consider Alternatives: Explore other payment options like local e-wallets (OVO, GoPay) for broader acceptance.

By following these guidelines and staying informed about the evolving payment landscape, you can navigate Bali with ease and enjoy a seamless travel experience.