Withdraw cash in Indonesia without ATM fees
Preview Only Mandiri (officially IDR 50,000–100,000), BNI and BCA are rated so far. The other banks are marked “?”.
Which ATMs cost what?
| ATM / operator | Operator fee | ATMs | Confidence |
|---|---|---|---|
| BNINo operator fee according to three sources. | free | 1,154 | medium |
| BCAFree according to two sources; decline the ATM's conversion. | free | 928 | low |
| Bank MandiriOfficial: access fee IDR 50,000 since 22 Feb 2026, IDR 100,000 from 6 Nov. | IDR 50,000–100,000 | 1,095 | high |
| Bank ATMs (default) | unclear | 3,004 | – |
| Operator unknownOperator not recorded in OpenStreetMap. | unclear | 461 | – |
ATMs in popular places
FAQ
Can you withdraw cash for free in Indonesia?
It depends on the bank. In Indonesia, some bank ATMs are free and others charge a fee. Mixed: BRI and Permata about IDR 50,000, CIMB Niaga about 2.5%.
Which ATMs are free in Indonesia?
According to our sources, no operator fee at: BNI, BCA. The map marks 2,082 ATMs with no known fee.
Should I pay in IDR or in my home currency?
If the ATM offers to charge you in your home currency, always choose IDR (without conversion). The ATM's own conversion (DCC) often costs 5–10%.
How do I avoid ATM fees in Indonesia?
Fees are charged mainly by: Bank Mandiri (IDR 50,000–100,000). The fee is shown on screen before the withdrawal, so you can still cancel. Use the ATMs marked as free on the map. Avoid Euronet and other independent operators, especially at airports and in tourist areas. Withdraw a larger amount once rather than small amounts several times, and check before your trip what your own bank charges for foreign withdrawals.
How up to date is this?
Fees were last checked on 2026-11-02. ATM locations come from OpenStreetMap. Fees can change; what counts is the screen at the ATM.
All tips for withdrawing cash abroad →
Sources
- Bank Mandiri: Access Fee (offiziell, 2026)
- Backpack Moments: Money in Indonesia (10.03.2026)
- Two Tickets Anywhere: Bali ATMs (08/2026)
- Bali Untold: Currency and Money (10/2026)
- ATM Fee Saver: ATM Fees in 51 European Countries (06/2026)
- finanzguide.at: Bankomatgebühren Österreich 2026
- Vielfliegertreff: Geldautomaten außerhalb von Deutschland ohne Gebühr (Forum)