Money & Payments in Nusa Penida (2026)

Bring more cash than you think you'll need before arriving on the island—ATM outages during peak season are common, and limited availability means you may not find a working machine when needed.
The Tourist Retribution Fee (IDR 25,000 per adult, IDR 15,000 per child) is now a mandatory digital payment required on arrival; bring a debit/credit card even if you prefer to travel cash-heavy otherwise.
Many small vendors, warungs, and market stalls do not accept cards; cash is essential for daily spending on food and local goods.
Avoid Dynamic Currency Conversion (DCC) at ATMs—always choose to be charged in Indonesian Rupiah to get the best exchange rate.
Bank notes come in large denominations (100,000 IDR notes); break larger bills at supermarkets or reputable shops, as small vendors often struggle to make change.

Home Bank Fees: Typically 2–8% of withdrawal amount plus international ATM fees (often $3–5 USD) charged by your home bank.
Dynamic Currency Conversion Warning: If ATM asks whether to charge in your home currency or IDR, always choose IDR to avoid extra conversion fees.

Range Low: IDR 20,000
Range High: IDR 75,000
Note: Some ATMs charge between IDR 20,000–75,000 per foreign-card withdrawal. Bank Mandiri charges IDR 50,000 as of February 2026. Some ATMs (BCA, BNI) may not charge extra fees.

Availability: Limited but functional. ATMs exist in main towns (Toyapakeh and Sampalan) but are fewer than on mainland Bali.
Capacity Issues: ATMs on the island can run out of cash during peak tourist seasons. Bringing sufficient rupiah from mainland Bali before crossing is strongly recommended.

Guidance: Rounding up bills or leaving small coins (IDR 5,000–10,000) at modest local warungs is appreciated but entirely optional. At hotels and dive operators serving tourists, small tips (5–10% discretionary) are becoming more common but not obligatory.
General Practice: Tipping is not customary in Indonesia and not expected. Service charges may be added to bills at upscale restaurants (typically 5–10%), in which case additional tipping is optional.

Details: Tourist-oriented establishments and accommodations generally accept cards, but always carry cash for daily expenses. New cashless systems for entry fees (implemented mid-2025) require cards for official government tourism taxes and e-tickets.
Summary: Card acceptance varies by establishment type. Most larger businesses, hotels, and restaurants accept cards, but small vendors, local warungs, and market stalls primarily operate on cash only.

ATM Access: ATMs available in tourist areas; note fees when using ATMs outside your bank's network
Challenges: Most major banks are on Bali; physical branch visit typically required for account opening; English support variable outside main tourist areas
Requirements: Valid passport (6+ months validity), visa or stay permit (KITAS/KITAP or tourist visa with entry stamp), proof of local address, sometimes tax ID (NPWP) for longer-term residents
Account Types: Savings account (transfers, debits), checking account, deposit account, credit account
Online Banking: Online and mobile banking available through major banks for account management
Foreign Currency: Some banks offer USD savings and checking accounts; currency conversion fees range 2-5%
Availability On Island: Limited banking infrastructure on Nusa Penida; main banking services likely require travel to Bali or use of ATMs on island
Account Opening For Foreigners: Possible through major Indonesian banks (BCA, BRI, Mandiri, BNI, CIMB Niaga)

AI-generated estimateData refreshed July 2026

These are the sources cited in this money & payments research for this city. Individual figures may not each trace to one of them.

More About Nusa Penida

Data last updated July 2026 · Verify anything important.