[Bali Currency Guide] Don’t Let the Extra Zeros Scare You! Money Basics for Beginners

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This page is dedicated to those planning their trip before arriving in Bali.

"How much is 10,000 IDR in my currency?"

Ever had this question during your first trip to Bali?


Indonesia's currency, the Rupiah (IDR), has a lot of zeros, which can be confusing at first. However, once you grasp the basics, you'll get the hang of it in no time.


In this guide, I’ll explain everything from currency exchange and mental math to tipping etiquette—complete with photos!

This article is perfect for those who:

・For those who have no idea how the local currency works.

・For those confused by the many zeros and unsure if something is cheap or expensive.

・For those who want a clear idea of how to spend money at convenience stores, local warungs, or for tips.

Let’s get started!

Authentic local insights from a Japanese woman living in Bali, based on firsthand experience.

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What Kind of Currency is the Bali Rupiah?

Main banknotes in Bali. They are color-coded and sized for easy identification.

The currency is the "Rupiah (IDR)."

There are mainly 7 types of banknotes.

The colors are distinct, making them easy to tell apart once you get used to them.


The most commonly used bills are the 10,000 to 50,000 IDR notes.

▼ Indonesia Money Quick Reference

Currency:Rupiah (IDR)
Banknotes7 Types (1,000, 2,000, 5,000, 10,000, 20,000, 50,000, 100,000)
Coins:4 Types (100, 200, 500, 1,000)

How Much is 100,000 IDR? Tips for Easy Calculation

▼ The Largest Bill: 100,000 IDR

"This is the actual 100,000 IDR bill!" An amount you’ll use frequently.

The many zeros can be overwhelming at first, but don't worry.

Once you learn this simple rule of thumb, you’ll get used to it in no time.

▶︎The Quick Rule: Just drop the last three zeros!

50,000 IDR → approx. $3.00–$3.50

100,000 IDR → approx. $6.00–$7.00

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*Exchange rates fluctuate daily, so please check the current rate yourself.

If you think of it as just having "three extra zeros," it becomes much easier to handle.

▼ The Smallest Bill: 1,000 IDR

New series banknote.

By the way, the smallest bill is 1,000 IDR (approx. $0.06).

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You’ll rarely use or even see this bill, likely because 1,000 IDR coins are more common.

▼ Both New and Old Banknotes are Valid

New vs. Old banknotes.

The top bill is the new series, and the bottom is the old one. The new bills are slightly smaller.

Where to Exchange Money? Timing and Tips

The higher the number, the better the rate!

In Bali, you can exchange your money in various locations, including the airport, around town, and at hotels.

Knowing the pros and cons of each will help you exchange your money safely and get the best value.

✅ Airport: Convenient for immediate use upon arrival, but rates are slightly lower.

✅ Local Money Changers: Better rates, but avoid places with "too good to be true" rates or those in back alleys.

✅ Hotels & Malls: Reliable and safe, but usually more expensive due to service fees.

I’ve also put together a few important points to keep in mind.

💡 Important Tips

Be cautious of shops offering rates that seem "too good to be true."

Ask for smaller bills (like 10,000 IDR) as they are very handy for small purchases.

Always count your money and verify the amount before leaving the counter!

Where to Use Cash: 4 Common Situations in Bali

Top: New 20k IDR / Bottom: Old 10k IDR (Both are valid).

Restaurants and Warungs (Local Eateries)

Many eateries in Bali still primarily accept cash.Most local warungs don't take cards. Having 10k to 50k bills makes payment much smoother.

Supermarkets and Convenience Stores

Some shops have a "minimum spend" for card use, so cash is better for small purchases.

Gojek (Ride-hailing & Delivery App)

Drivers often don't have exact change, so it’s best to have small bills (10k or 20k) ready.

Tipping Guide

While Bali doesn't have a strict tipping culture, many people give a small amount to show appreciation.

Spas: Around 20,000 – 50,000 IDR

Hotel Porters / Housekeeping: 10,000 – 20,000 IDR

Tips are generally not expected at local warungs.

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Personally, I usually aim for about 20% of the total as a tip.

Summary: You’ll Get Used to Rupiah Soon!

Coins are available, though rarely used.

Once you use it a few times, exchanging and paying will become second nature.

When to exchange money & what to watch out for

How to pay at restaurants or on Gojek

Tipping guidelines

Don't let the currency stress you out—just relax and enjoy your Bali trip! 🌴✨

Extra Tip: What does "K" mean on the menu?

You’ll often see "K" added to prices on restaurant menus.

The "K

" you see after a price stands for "kilo,"

meaning three zeros.

For example...

・10K = 10,000 IDR

・ 50K = 50,000 IDR

・100K=100,000IDR

▼the "K" is missing

A menu from an Indonesian coffee chain.

Sometimes even the "K" is missing—just the numbers are shown.

・If it says "33," it means 33,000 IDR.

・If it says "29" it means 29,000 IDR.

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Just remember: if you see a small number on a menu, add three zeros!

Check out these articles before your trip:

Tips for Currency Exchange: Avoid Common Mistakes

Bali Visa Guide: Everything You Need to Know Before Entry

Airport Transfers via KLOOK: How to Book from Home

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Be sure to take a look!

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*Prices are current as of the time of research and are subject to change.
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About the Author

YUKIのアバター YUKI Bali Girls Note

Sharing tips and inspiration for women who want to experience the very best of Bali.

Ex-publisher turned Freelance Editor & Writer
Photography & Research Coordinator
Spotify Podcast: "Sunset Drinks in Bali"

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