🇮🇩 Monzo in Indonesia [Wiki]

Work in progress!

This is a wiki crowdsourced by the Monzo Community to help you travel with Monzo.

Just like Wikipedia, anyone can edit it to help out others. If you have any tips or feedback for visiting Indonesia with Monzo, please feel free to edit this guide. You can also add a comment or question below — someone will then incorporate your comment into the main text below and then delete your comment. To create your own “Monzo in …” guide if one doesn’t already exist, just copy this template into a new post and write away!

Safe travels! :wave: :airplane:


Indonesia uses the Indonesian Rupiah (Rp).

Because most items are several thousand (or even millions) of Rupiah you will frequently see prices quoted in k (e.g. 35k = 35,000 Rp).

Monzo users pay the Mastercard exchange rate with no added fees.

Card usage

In more developed parts of Java and Bali many places will accept payment on card, however it’s advised to keep some cash on you as a lot of places (especially local places and smaller shops and restaurants) will be cash only.

Most places that require larger payments (such as tour companies and dive shops) will accept card payments but often with a percentage fee.

In the more remote parts of the country it is rare to find places that accept card payments so carrying cash is strongly advised.


Indonesia has five main ATM providers;

Cimb Niaga

Others including Commonwealth bank and HSBC can be found but are generally less common.

There are three main places where ATMs can be found - Attached to bank branches, Stand alone booths (in places like petrol stations and shopping malls) or small terminals inside convenience stores such as K-mart, Mini-Mart or Indomaret.

ATM declines can happen for a few reasons in Indonesia including old infrastructure and simply running out of money which is why recommend taking money out from ATMs attached to bank branches whenever possible since these are generally the most safe and likely to work.The ATMs in the airport are also modern and well stocked so taking some money out at the start of your trip is a good idea too.

The Stand-alone booths are also mostly reliable (and well airconned during the midday heat!) but convenience store ATMs are slightly more likely to decline.

In our experience Cimb Niaga (red & white logo), BCA (blue & white logo) and Mandiri (blue & gold logo) ATMs are the most consistent ATMs.

We also recommend using the Mastercard ATM locator website as a useful way to find your nearest Mastercard ATMs.

Payment and withdrawal limits

All Monzo cards have some payment and withdrawal limits. To check yours before you leave, tap “Account” under the picture of your card and then “Spending and card limits”.

Crowdsourced merchant data

Data will most likely be scant so please try and contribute relevant feedback about transactions


To edit this guide, just tap the pencil icon below. Alternatively, add a reply with your comments and someone from the community will incorporate your suggestions into the guide and then delete your comment.