Bali's currency exchange scams are legendary among travellers. The Indonesian Rupiah's large denominations (you'll be dealing in millions) create perfect conditions for confusion and fraud. Here's how to protect your money.
Why Bali Exchange Scams Work
The Indonesian Rupiah (IDR) uses large numbers that tourists aren't used to:
- 1 USD ≈ 16,000 IDR
- 1 EUR ≈ 17,500 IDR
- 1 GBP ≈ 20,000 IDR
- 100 USD = approximately 1,600,000 IDR
When you're counting out 1.6 million of anything, it's easy to lose track — and scammers exploit this brilliantly.
The Rigged Calculator Scam
How it works: 1. A money changer offers an excellent exchange rate (better than market rate) 2. They punch numbers into a calculator to show you the amount you'll receive 3. The calculator has been pre-programmed to show incorrect (higher) totals 4. You agree to the exchange based on the calculator display 5. They count out the correct (lower) amount, which doesn't match the calculator
How to avoid it: - Use YOUR phone calculator, not theirs - Calculate the expected amount BEFORE entering the shop - If the rate seems too good to be true, it is
The Sleight of Hand Count
This is Bali's most common exchange scam:
How it works: 1. The money changer counts your Rupiah out in front of you — correct amount 2. They then recount it "for you to verify" but skillfully palm notes during the recount 3. They fold and band the money, handing it to you with 10-30% missing 4. By the time you recount at your hotel, you're short
How to avoid it: - Count the money yourself, slowly, on the counter - Don't let them take the money back once counted - Count it a second time before leaving - Never let them rush you — take your time - If they seem impatient, walk away
The Distraction Technique
During counting, the money changer creates a distraction: - A phone rings - An accomplice starts a conversation with you - They "accidentally" drop notes on the floor - They ask you a question about your holiday
While you're distracted, notes vanish.
How to avoid it: - Focus entirely on the money — ignore everything else - Don't engage in conversation during the transaction - If distracted, start counting from zero
The Commission Surprise
A money changer offers a great rate with "no commission." After the exchange, they deduct a "service fee," "tax," or "commission" they didn't mention.
How to avoid it: - Ask explicitly: "Is there any commission or fee?" - Confirm the TOTAL amount you'll receive before handing over your money - Get it in writing if possible
The Short Note Trick
Instead of giving you standard 100,000 IDR notes, they mix in 10,000 or 20,000 notes which look similar in size and colour at first glance. The difference: - 100,000 IDR notes are red/pink - 50,000 IDR notes are blue - 20,000 IDR notes are green - 10,000 IDR notes are purple
How to avoid it: - Know what each denomination looks like before exchanging - Sort notes by denomination as you count - Don't accept bundles — count individual notes
Where to Exchange Money Safely
Safe options (recommended): - ATMs at reputable banks (BCA, Mandiri, BNI, CIMB) — best rates, safest method - Bank branches — fair rates, no scams - BMC (Bali Maspintjinra Centra) — authorized money changer with multiple locations - Central Kuta Money Exchange — reputable, licensed - PT Dirgahayu Valuta Prima — licensed, good rates
Avoid: - Small roadside money changers - Any place offering rates significantly better than banks - Money changers without a visible license - Anyone offering to exchange money on the street
ATM Safety in Bali
ATMs are the safest way to get Rupiah, but: - Use ATMs inside bank branches or malls - Check for card skimmers (wiggle the card slot) - Cover your PIN when entering - BCA and Mandiri ATMs are most reliable - Maximum withdrawal is usually 2,500,000 IDR per transaction - Withdraw in the morning from busy ATMs — they're less likely to have been tampered with
Card Payment Tips
- Credit/debit cards are accepted at most hotels, restaurants, and larger shops
- Always choose to pay in IDR, never in your home currency (avoid dynamic currency conversion)
- Small warungs (local restaurants) and markets are cash-only
- Watch your card during transactions — don't let it leave your sight
Bali Money Tips
- Carry a mix of cash and cards
- Keep large notes (100,000 IDR) for bigger purchases
- Keep small notes (10,000-20,000 IDR) for tips, small purchases, and temple donations
- Tip 10,000-20,000 IDR for small services; 50,000+ IDR for exceptional service
- Don't flash cash — count money discreetly
- Use a money belt or hotel safe for large amounts
- Download XE Currency app for real-time exchange rates
Emergency Contacts
- Police: 110
- Tourist Police Bali: +62 361 224 111
- Emergency: 112
- Your bank's international number (save before your trip)
- Report online: Avoid Travel Scams
Bali is paradise — and with a little financial awareness, you'll keep more money in your pocket to enjoy it. Use bank ATMs, count your money carefully, and you'll have an incredible trip.
Stay Protected on Your Travels
Subscribe to our weekly travel safety alerts for real-time scam warnings, destination-specific tips, and expert advice delivered directly to your inbox. Join thousands of savvy travelers who stay one step ahead of scammers.
→ Subscribe to Travel Safety Alerts