
Money, ATMs and exchange
Cash is a daily thing here, and the daily problem is change. A hundred-thousand note at a warung or with a driver sends someone down the street looking. "Ada uang kecil?" — got anything smaller? — is asked of you, and the good answer is "ada".
ATMs charge their fee and your bank's, so people withdraw large amounts rarely. The usual per-transaction limit is two and a half million; some banks do three.
Exchange counters: the rule is simple — use one with a bank or major chain sign, and count the money before you step away. A street rate that's clearly better than everyone else's is paid for by something, and that something is you.
And the word "ribu" — thousand. Prices are spoken in thousands: "dua puluh ribu" is twenty thousand. The zeros often go unsaid, and price tags write them every possible way, including "20k".
Pronunciation below is written to be read out loud in English spelling. It isn't linguistically exact — it's meant to get you understood.
42 phrases
Where's an ATM?
ATM di mana?
ahtm di MAH-nah?
"ATM" is spelled out letter by letter: "ah-teh-em".
The ATM isn't working
ATM-nya rusak
ahtm nya ROO-sahk
Can I exchange money here?
Bisa tukar uang?
BEE-sah TOO-kahr OO-ahng?
Politer: Permisi, bisa tukar uang? ·
What's the exchange rate?
Kursnya berapa?
KOOR-snyah buh-RAH-pah?
Is there a fee?
Ada biaya?
AH-dah bee-AH-yah?
Politer: Permisi, ada biaya? ·
I need small bills
Minta uang kecil
MEEN-tah OO-ahng kuh-CHEEL
Markets and warungs often can't break large notes.
Is there an ATM nearby, ya?
ATM di mana ya?
ahtm di MAH-nah yah?
Adding "ya" softens the question into a friendly ask.
The ATM ate my card
ATM makan kartu saya
ahtm ma-kahn KAHR-too SAH-yah
Locals literally say the machine 'ate' the card — they'll get it right away.
It's not giving out cash
Uangnya tidak keluar
oo-AHNG-nyah TEE-dahk kuh-LOO-ahr
Local: Uangnya nggak keluar ·
Do you have smaller bills?
Ada uang kecil?
AH-dah OO-ahng kuh-CHEEL?
Politer: Permisi, ada uang kecil? ·
There's no change
Tidak ada kembalian
TEE-dahk AH-dah kuhm-bah-LEE-ahn
Local: Nggak ada kembalian ·
What's the fee?
Biayanya berapa?
bee-ah-YAHN-yah buh-RAH-pah?
The transfer didn't go through
Transfernya gagal
TRAHN-sfuhr-nyah GAH-gahl
I already paid yesterday
Saya sudah bayar kemarin
SAH-yah SOO-dah BAH-yahr kuh-MAH-reen
Local: Saya udah bayar kemarin ·
Can I get a receipt, please
Minta struk
MEEN-tah strook
Where can I exchange money?
Di mana bisa tukar uang?
dee MAH-nah BEE-sah TOO-kahr OO-ahng?
Politer: Permisi, di mana tukar uang? ·
What's the rate today?
Kurs hari ini berapa?
koors HAH-ree EE-nee buh-RAH-pah?
Can I pay by card?
Bisa bayar pakai kartu?
BEE-sah BAH-yahr PAH-kehye KAHR-too?
Politer: Permisi, bisa bayar pakai kartu? ·
Cash only?
Hanya tunai?
HAHN-yah TOO-nehye?
How much is that in total?
Totalnya berapa?
toh-TAHL-nyah buh-RAH-pah?
I'd like to exchange dollars for rupiah
Saya mau tukar dollar ke rupiah
SAH-yah mohw TOO-kahr DOHL-lahr kuh roo-PEE-ah
Is there a money changer nearby?
Ada money changer dekat sini?
AH-dah MOH-nuhy CHHAHN-guhr duh-KAHT SEE-nee?
Politer: Permisi, ada money changer dekat sini? ·
Is this an official money changer?
Ini money changer resmi?
EE-nee MOH-nuhy CHHAHN-guhr ruhs-MEE?
there are a lot of shady ones that shortchange you
Please count it in front of me
Tolong hitung ulang di depan saya
TOH-lohng HEE-toong OO-lahng dee duh-PAHN SAH-yah
Politer: Permisi, tolong hitung ulang di depan saya ·
Something's off with this amount
Kayaknya jumlahnya salah nih
kah-YAHK-nyah joom-LAH-nyah SAH-lah nee
Can I get it in 100k notes?
Minta pecahan seratus ribu
MEEN-tah puh-CHAH-hahn suh-RAH-toos REE-boo
Can I withdraw cash here?
Bisa tarik tunai di sini?
BEE-sah TAH-reek TOO-nehye dee SEE-nee?
Politer: Permisi, bisa tarik tunai di sini? ·
Was I charged a withdrawal fee?
Kena biaya admin nggak buat tarik tunai?
kuh-NAH bee-AH-yah AHD-meen nggahk BOO-aht TAH-reek TOO-nehye?
foreign cards often get hit with an extra bank fee
What's the withdrawal limit per transaction?
Limit tarik tunai sekali berapa?
LEE-meet TAH-reek TOO-nehye suh-KAH-lee buh-RAH-pah?
Local: Limit tarik tunai banget berapa? ·
The ATM's out of cash
Atm-nya lagi kosong duitnya
ahtm nyah LAH-gee KOH-sohng doo-EET-nyah
happens a lot in Bali on weekends
Cash only, sorry
Cash aja ya, maaf
chahsh AH-jah yah, MAH-ahf
many warungs don't take cards
I only have a large bill
Saya cuma punya uang besar
SAH-yah CHOO-mah POON-yah OO-ahng buh-SAHR
Do you have change for this?
Ada kembalian dari uang ini nggak?
AH-dah kuhm-bah-LEE-ahn DAH-ree OO-ahng EE-nee nggahk?
Politer: Permisi, ada kembalian dari uang ini nggak? ·
Keep the change
Kembaliannya nggak usah, buat kamu aja
kuhm-bah-lee-AHN-nyah nggahk OO-sahh, BOO-aht KAH-moo AH-jah
treated as a tip
Is tip included in the bill?
Tipnya udah masuk di bill belum?
TEEP-nyah OO-dah MAH-sook dee beell buh-LOOM?
some cafes add 5-10% automatically
Can I pay via GoPay?
Bisa transfer lewat gopay?
BEE-sah TRAHN-sfuhr LEH-waht GOH-pahy?
Politer: Permisi, bisa transfer lewat gopay? ·
Send me the account number
Kirim nomor rekeningnya dong
KEE-reem NOH-mohr ruh-kuh-NEENG-nyah dohng
Did the transfer go through?
Transfernya udah masuk belum?
TRAHN-sfuhr-nyah OO-dah MAH-sook buh-LOOM?
The money hasn't arrived yet
Duitnya belum masuk nih
doo-EET-nyah buh-LOOM MAH-sook nee
Is there a minimum for card payments?
Ada minimum belanja kalau pakai kartu?
AH-dah mee-NEE-moom buh-LAHN-jah KAH-lohw PAH-kehye KAHR-too?
Politer: Permisi, ada minimum belanja kalau pakai kartu? ·
Can I pay with QR code?
Bisa scan qris?
BEE-sah schahn qrees?
Politer: Permisi, bisa scan qris? ·
Do you take Visa, or only local cards?
Terima visa nggak, atau cuma kartu lokal?
tuh-REE-mah VEE-sah nggahk, AH-tohw CHOO-mah KAHR-too LOH-kahl?
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