Foreign Card and Payment Acceptance in Indonesia: what actually matters to know
Short answer
Travelers in Indonesia can use Sberbank Online to scan QRIS codes for payments, though this service typically involves a 7-8% currency conversion markup. UnionPay cards issued by Russian banks are accepted inconsistently, so carrying cash and using BCA ATMs for withdrawals remains a necessary backup strategy.
From real experience
Users can now pay using QR codes via Sberbank Online in Indonesia.
This functionality has been tested on Tokopedia and is reportedly working in physical stores as well. This can simplify transactions and potentially offer better exchange rates compared to traditional card payments. The observed exchange rate was approximately 218 IDR per RUB.
✓ 2 reports from chats
Travelers to Bali can use UnionPay cards for withdrawals, though availability varies.
QRIS (Quick Response Code Indonesian Standard) is increasingly popular; some users report success using Sberbank Online (v16.10+) to scan QR codes for payments, though it is not universal. GoPay is a highly recommended e-wallet that can be topped up for local payments. Always carry cash as a backup, and be wary of non-standard exchange booths.
✓ 1 report from chats
UnionPay cards are accepted in Bali, but acceptance can be limited.
It is advisable to have alternative payment methods available, such as local Indonesian bank cards or widely accepted international credit cards, to ensure smooth transactions. Checking with individual establishments about their payment options beforehand is recommended.
✓ 1 report from chats
UnionPay cards issued by Russian banks (e.g., Rosselkhozbank) are accepted in some merchants in Bali, but acceptance is inconsistent.
Cash is strongly recommended as a backup. BCA ATMs are reported to support UnionPay cash withdrawals.
✓ 1 report from chats
Payment options in Bali: UnionPay (e.g., Rosselkhozbank) works at some POS terminals but requires specific merchant support.
Sberbank QR payments are available but involve a markup of approx 7-8%. Always carry cash as a backup.
✓ 1 report from chats
Payment via QRIS using Sberbank Online is now available in Indonesia.
QRIS is the national QR payment standard used widely in stores, cafes, and online services, including Tokopedia. Transactions are debited in rubles with automatic currency conversion.
✓ 1 report from chats
If a UnionPay card reports a 'card limit' error during payment at a terminal, try inserting the card via the chip instead of using contactless payment.