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Bali Currency and Money Stuff

ATM is most common way for Australians to access their money.
Watch for bank fees. ANZ were charging me $8 per transaction.
Some ATM's, you can't get more than 400,000Rp (AUD$65)
Bank BNI in Kuta = 600,000Rp max.
Bank BCA in Ubud = 400,000Rp max.
Bank Lippo in Legian St, Kuta (near McDonalds) = 1,000,000.00Rp Max (AUD$160) and you won't find better than that - it also gives out 50,000Rp notes which is perfect.
Bank Lippo in Popies 1 (at the "K" mini-market) = 1,000,000.00Rp Max (AUD$160) and also gives out 50,000Rp notes.

Look out for the notes the ATM give-out, it will either say 100,000Rp or 50,000Rp - only use the ATM's with 50,000Rp else you will find it very difficult to get change. I found that out the hard way, but managed ok since I then found an exchanger who was willing to change them to 50,000Rp notes.

Travellers Cheques - bring in $100-$500 or equiv. and use as backup, or when you see an excellent rate of exchange.

Cash - have a good stock of 100Rp, 500Rp, 1,000 Rp, 5,000 Rp, 10,000Rp, 20,000Rp
Credit Cards - I found them pointless, but if you are going over for business, I'm sure a few wholesale places would accept them, and maybe if you are not doing the whole "budget accommodation" thing. Bring as a backup.

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Bali CurrencyRupiah(Rp.)
Coins - 50, 100, 500, 1000, Rp.
Notes - 100 500 1000 5000 10,000 20,000 50,000 100,000

Conversion is approx 6200Rp = AUD$1.00
(actually, it fluctuates from about 6,200Rp up to about 6,700Rp)

Money Exchangers:
I didn't have a problem with them, but then I asked other travellers which they recommended and got the honest ones. Other travellers that I spoke to weren't so lucky, so watch when they count out your money, have your own calculator, exchange in $100 dollar increments so its easy to work out the exchange rate in your head. Re-count it in front of them before you leave. They like to be tricky such as counting out many different looking notes, watch out especially if they try to distract you while counting out the money, as many work in pairs. If you do get stung, go get security/police and hope they are still there.

Change:
It is common for Supermarkets/Shopping centres to give you candy (mentos) instead of coin change.

 

My Bali Currency Problem:

If you don't have small change.. it can be embarrassing..

I  wanted to find some "real" Indonesian food, thought my best bet is to walk up Legian St since I was meeting Nick at Tubes later that night and it's close-by and I didn't want to end up lost :)
Walkn, walkn.. ran into a guy (Jupri) who suggests a new place that he likes for very cheap Nasi Goreng. I get some half-assed directions, then run into that shop guide Iketut again!! He asks where I'm going and asks if he can come, which I kinda felt obligated to agree to. He said that he had to go and park his bike, so I told him to meet me at the restaurant.
I found it, with help from Jupri who had caught up to me in the meantime, it was sort of like a kitchen with a wall missing that faces the street! A nice family kitchen with enough chairs for 5 of us. I wouldn't taken photos but it didn't seem appropriate.
He ordered 2 x Nasi Gorengs (1,400 Rupiah each.. VERY VERY VERY cheap!).Jupri
It was yum, but in my opinion the other one was better. The side-dish chilli nearly burnt a hole in my tongue :)
The smallest change I had was 20,000 R, so the guy (Jupri) paid and I will find him tomorrow and pay him back. We were talking while waiting for dinner (which took at least 20 mins to cook) with the owner, and a local Indonesian couple. We discussed the options of me working in Bali and the guy will put me in touch with someone he met with recently who could have some work. His name (the guy I was talking to) is Jupri, and he works as a Bali Tour Guide. He can speak Japanese too.

What sucked was that someone who makes hardly anything ended up paying for my meal because the shop couldn't change 20,000R.. I felt terrible! 20,000R isn't that much but just forewarning.. if you're going the budget way like I did.. then 20,000R is a LOT to the people you were going to encounter... make sure you keep lots of small notes.

What I also found was useful later on is having a double-sided wallet - in one side, I was rich, and in the other side, I was poor. This helped when bargaining because you are usually surrounded by 3-8 salespeople who look eagerly into your wallet at first sign that you are opening it, and if they see a lot there, you can forget your bargaining!

 

 

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