Banking

Moneychangers and banks accepting foreign currency are found in most tourist areas. Both private and state banks are open from 8 am-3 pm, Monday to Friday and on Saturday until 11 am.

The bank counters at major airports offer competitive rates. Bank lines in town can be long and slow; the best way around it is to arrive promptly at opening time. Bank of Central Asia (BCA), one of Indonesia's oldest and largest banks, has reliable service with branches and ATMs dotted right across the island.

Moneychangers in Bali generally give better rates than banks, are much more numerous, and keep more convenient hours. Get a supply of Rpl000 and Rp500 notes when you change money, as taxi drivers and vendors often have or claim to have-no change for big bills. When traveling in the countryside, Rp100 notes are also useful.

Carrying cash (US$) can be a handy safety precaution as it is still exchangeable should you lose your passport, but Indonesian banks only accept foreign currency that is crisp and clean.

Major credit cards are accepted in a wide variety of shops and hotels. But they often add a 3% surcharge. Most cities have at least one bank at which cash advances can be made-look for Bank Duta, BCA and Danamon. Visa and MasterCard are the most frequently accepted.

Automated Teller Machines (ATM) for Cirrus are now at major banks in most tourist centers.

There are no exchange controls and excess rupiah (bills only) can be freely reconverted at the airport.

Tax, Service and Tipping

Most larger hotels and restaurants charge 21% tax and service on top of your bill. Tipping is not a custom here, but it is appreciated for special services. USD$1 or Rp10.000 per bag is considered a good tip for room boys and porters. Taxi drivers will want to round up to the nearest Rp3000.

When tipping the driver of your rental car or a housekeeper of the house in which you've been a guest, fold the money, put it in an envelope and present it with the right hand only.