Frais bancaires indonésien aux ATM
by Largeu
This discussion is in French, the community’s main language.
Original post
Bonjour, j'aurais besoin d'infos pour ceux qui reviennent d’Indonésie.
En janvier 2014, j'étais sur florés et bali et lorsque je retirais aux DAB je n'avais pas de frais bancaire appliqués par les banques indonésiennes comme c'est le cas en Thaïlande, philippines, Laos.....
Seule la banque française appliquait une commission.
Quand est-il actuellement? en 2 ans les choses changent
En effet nous partons en janvier pour sulawesi et la question se pose de prendre beaucoup d’espèces ou privilégier les atm
Par avance merci de vos réponses, je n'ai pas trouvé de réponse à cette question sur le web ni sur le forum
Bonjour,
Aucun frais bancaire n'est pris par les ATM, seule ta banque te prendra des frais de change, exemple à la BNP c'est 3€ + 2.90% de la somme à chaque opération, ça reste chère mais pratique.😉
Aucun frais bancaire n'est pris par les ATM, seule ta banque te prendra des frais de change, exemple à la BNP c'est 3€ + 2.90% de la somme à chaque opération, ça reste chère mais pratique.😉
Cordialement,
Patrick.
Merci pour cette réponse rapide.
Pour Info, Je suis sur boursorama, c'est 1,99% retrait ou paiement
Cordialement
Bonjour,
J'ai beaucoup de mal à avoir une opinion sur les retraits ATM/ retrait en banque /change chez un monney changer. J'ai fait plusieurs tests avec plusieurs cartes bancaires, de banques différentes. Retraits au meme moment, même somme, même banque, carte différente. Au final. Quand la commission bancaire est faible, le taux de change est moins bon...
Chez le monney changer, il n'y a ( en principe ) pas de commission ( dans certains bureaux ). Mais ceux qui ne prennent pas de commission se payent sur le taux de change...
Par contre, à Ujung Pandang ( Makassar ), ou Manado, il y a beaucoup de chances pour que les taux de change chez les monney changers ne soient pas très performants. C'est du moins ce que j'avais observé à chaque fois que j'y suis allé.
J'ai beaucoup de mal à avoir une opinion sur les retraits ATM/ retrait en banque /change chez un monney changer. J'ai fait plusieurs tests avec plusieurs cartes bancaires, de banques différentes. Retraits au meme moment, même somme, même banque, carte différente. Au final. Quand la commission bancaire est faible, le taux de change est moins bon...
Chez le monney changer, il n'y a ( en principe ) pas de commission ( dans certains bureaux ). Mais ceux qui ne prennent pas de commission se payent sur le taux de change...
Par contre, à Ujung Pandang ( Makassar ), ou Manado, il y a beaucoup de chances pour que les taux de change chez les monney changers ne soient pas très performants. C'est du moins ce que j'avais observé à chaque fois que j'y suis allé.
Ok, je pense aussi qu'aux sulawesi les taux seront mois intéressant que Bali par ex, c'est ce que j'avais remarqué entre Florés et bali dans les money changer.
D'où l’intérêt de la carte s'il n'y a pas de frais sur place. Le pb c'est la faible quantité d'argent que délivre les DAB en indonésie
Merci pour vos réponses
A+
Bonsoir,
Certains ATM délivrent 3 millions de rps. Notamment un de ceux qui se trouvent à la réception des bagages à l'aéroport de Bali. De plus on peut faire plusieurs retraits d'affilé. Toutefois, il vaut mieux avoir plusieurs carte bancaires car si elle est avalée, ça devient compliqué. Mon avis. de toutes façons, les banques se payent de la même manière. Quand elles ne prélèvent pas de frais, le taux de change est moins intéressant. Dans certains coins, les monney changers sont " un peu plus intéressants ". Mais il faut aller dans de bonnes officines de change. Ce que la plupart des gens ne font pas. Ils se laissent avoir ( le terme est light ) par des " No Comission" et des taux affichés parfois supérieur au taux officiel. Mais ça marche souvent. La Gogolie est un immense territoire...😉
Pour être désespérément desespérant, je ne pense pas qu'il y ait de solutions plus malignes que les autres en matière de retrait d'argent à l'étranger.
Les banques se sucrent grave. Certains préconisent d'ouvrir un compte dans le pays visité si on y va souvent.Mais quand on vire des euros sur un compté indo... le change se fait à un taux toujours très avantageux... pour la banque. Certains petits malins pensent avoir trouvé des solutions, via HSBC, Amex, ou Boursorama...La carte étranger de la Soc Gen...
J'en ai testé quelques unes préconisées sur les forums. C'est bonnet blanc et béret basque.
Peut - être qu'un jour ça va changer.
Les banques n'ont aucun intérêt à se tirer des bourres sur les comptes à l'étarnger. La plupart des gens ne feront que 2 ou 3 voyages dans leur vie. Elles sont sûres que le choix d'une banque ne se fait pas sur ce critère. A la limite, comme la Soc Gen, elle se permettent de vendre une carte qui " facilite " les retraits. Ca fonctionne très bien comme ça pour elles. Quand j'évoque le problème dans "ma " banque, les employés n'y connaissent absolument rien ( y compris sur les assurances ". La plupart n'ont pas été plus loin que Vintimille. Mais ils parlent doctement des problèmes de retrait à Hong Kong, Delhi, Surat Thani, Siem Reap, Denpasar...
Certains ATM délivrent 3 millions de rps. Notamment un de ceux qui se trouvent à la réception des bagages à l'aéroport de Bali. De plus on peut faire plusieurs retraits d'affilé. Toutefois, il vaut mieux avoir plusieurs carte bancaires car si elle est avalée, ça devient compliqué. Mon avis. de toutes façons, les banques se payent de la même manière. Quand elles ne prélèvent pas de frais, le taux de change est moins intéressant. Dans certains coins, les monney changers sont " un peu plus intéressants ". Mais il faut aller dans de bonnes officines de change. Ce que la plupart des gens ne font pas. Ils se laissent avoir ( le terme est light ) par des " No Comission" et des taux affichés parfois supérieur au taux officiel. Mais ça marche souvent. La Gogolie est un immense territoire...😉
Pour être désespérément desespérant, je ne pense pas qu'il y ait de solutions plus malignes que les autres en matière de retrait d'argent à l'étranger.
Les banques se sucrent grave. Certains préconisent d'ouvrir un compte dans le pays visité si on y va souvent.Mais quand on vire des euros sur un compté indo... le change se fait à un taux toujours très avantageux... pour la banque. Certains petits malins pensent avoir trouvé des solutions, via HSBC, Amex, ou Boursorama...La carte étranger de la Soc Gen...
J'en ai testé quelques unes préconisées sur les forums. C'est bonnet blanc et béret basque.
Peut - être qu'un jour ça va changer.
Les banques n'ont aucun intérêt à se tirer des bourres sur les comptes à l'étarnger. La plupart des gens ne feront que 2 ou 3 voyages dans leur vie. Elles sont sûres que le choix d'une banque ne se fait pas sur ce critère. A la limite, comme la Soc Gen, elle se permettent de vendre une carte qui " facilite " les retraits. Ca fonctionne très bien comme ça pour elles. Quand j'évoque le problème dans "ma " banque, les employés n'y connaissent absolument rien ( y compris sur les assurances ". La plupart n'ont pas été plus loin que Vintimille. Mais ils parlent doctement des problèmes de retrait à Hong Kong, Delhi, Surat Thani, Siem Reap, Denpasar...
Toutefois, il vaut mieux avoir plusieurs carte bancaires car si elle est avalée, ça devient compliqué.
Je confirme. Il faut attendre l'heure d'ouverture du DAB - et généralement la fermeture de l'agence - ou appeler un numéro local (éviter les DAB's sans agence à l'étranger). Et attendre. Il y a un numéro gratuit avec opérateur francophone, mais le remplacement de carte en 48 heures risque en fait de prendre plus de temps. La banque peut proposer un transfert d'Euro en espèces qui est plus rapide. On récupère en fait des devises locales - à taux peu intéressant - dans une agence bancaire désignée.
Je confirme. Il faut attendre l'heure d'ouverture du DAB - et généralement la fermeture de l'agence - ou appeler un numéro local (éviter les DAB's sans agence à l'étranger). Et attendre. Il y a un numéro gratuit avec opérateur francophone, mais le remplacement de carte en 48 heures risque en fait de prendre plus de temps. La banque peut proposer un transfert d'Euro en espèces qui est plus rapide. On récupère en fait des devises locales - à taux peu intéressant - dans une agence bancaire désignée.
Bonjour, désolé de ne pas avoir répondu plus tôt , j'étais absent.
Pour les banques, c'est vrai que se sont des arquants, le tout étant de trouver celle qui convient le mieux. Perso mon choix c'est fait sur certains critères (Gestion quotidienne et voyages)
Carte visa premier gratuite dans mon cas avec les assurances qu'elle couvre (annulation voyage ect.. et j'ai malheureusement eu l'occasion de solliciter l'assurance à 2 reprises)
Retrait et paiement aux DAB or zone euros à 1,99% (cela ne me revient pas plus cher que de changer des euros à condition qu'il n'y ai pas de commission de la banques du pays)
Gestion à distance facile par rapport à mes autres banques (que j'ai d'ailleurs virées).
Bien sur que les banques ne sont pas là pour faire du social, tout comme je n'ai pas envie de passer un séjour à trouver le meilleur taux. C'est pour cela que vos informations et le vécus de chacun sont capitaux pour préparer un voyage.
J'ai bien peur que sur sulawesi il n'y ai peu ou pas de retrait à 3.000.000 R mais plutôt 1.500 000R (100€) il faudrait donc 10 retraits pour 1000 € pas évident! Peut être à l’aéroport de Jakarta, nous ferons une escale de nuit! A+
Carte visa premier gratuite dans mon cas avec les assurances qu'elle couvre (annulation voyage ect.. et j'ai malheureusement eu l'occasion de solliciter l'assurance à 2 reprises)
Retrait et paiement aux DAB or zone euros à 1,99% (cela ne me revient pas plus cher que de changer des euros à condition qu'il n'y ai pas de commission de la banques du pays)
Gestion à distance facile par rapport à mes autres banques (que j'ai d'ailleurs virées).
Bien sur que les banques ne sont pas là pour faire du social, tout comme je n'ai pas envie de passer un séjour à trouver le meilleur taux. C'est pour cela que vos informations et le vécus de chacun sont capitaux pour préparer un voyage.
J'ai bien peur que sur sulawesi il n'y ai peu ou pas de retrait à 3.000.000 R mais plutôt 1.500 000R (100€) il faudrait donc 10 retraits pour 1000 € pas évident! Peut être à l’aéroport de Jakarta, nous ferons une escale de nuit! A+
Bonjour,
J'ai aussi la carte Premier et la Mastercard gold gratuites. C'est plus intéressant de retirer de l'argent dans les ATM ou au guichets des banques avec la carte Premier. Mais bizarrement, c'est plus intéressant de retirer de l'argent avec une carte visa basique.
Comme je l'ai écrit, c'est hyper pas simple. Certaines cartes ne facture aucun frais au départ, mais elles se rattrappent sur les taux de change. Les cartes qui prétendent ne pas facturer de frais au départ ( genre 50000 rps en Indo ou 150 b en Thaï ) ne sont pas acceptées partout. Dans certaines banques, on vous dit clairement " c'est 50000 rps de frais, ou 150 bhts ) ". Vous ne voulez pas ? Bin alors, nous on ne veut pas vous donner d'argent.
Pour le moment, je pense qu'il n'y a pas vraiment de solution plus rentable que d'autres.😉
J'ai aussi la carte Premier et la Mastercard gold gratuites. C'est plus intéressant de retirer de l'argent dans les ATM ou au guichets des banques avec la carte Premier. Mais bizarrement, c'est plus intéressant de retirer de l'argent avec une carte visa basique.
Comme je l'ai écrit, c'est hyper pas simple. Certaines cartes ne facture aucun frais au départ, mais elles se rattrappent sur les taux de change. Les cartes qui prétendent ne pas facturer de frais au départ ( genre 50000 rps en Indo ou 150 b en Thaï ) ne sont pas acceptées partout. Dans certaines banques, on vous dit clairement " c'est 50000 rps de frais, ou 150 bhts ) ". Vous ne voulez pas ? Bin alors, nous on ne veut pas vous donner d'argent.
Pour le moment, je pense qu'il n'y a pas vraiment de solution plus rentable que d'autres.😉
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Thanks for your tips! DrSnuggle
Does anyone know of a private transfer or taxi company that organizes transfers from the Sukhothai area to Chiang Mai? Our routes are Sukhothai-Lampang, Lampang-Chom Thong, and Chom Thong-Chiang Mai. My searches on Google Maps, 12Go, and others haven’t turned up much...
For our Bangkok-Sukhothai trips, I use a company I’ve already tried, but they don’t have a fleet available from Sukhothai and have to go through third-party companies—which, understandably, take their commission. This nearly doubles the prices...
There are four of us, and we’re not traveling light, so a minibus isn’t an option. ;-)
Thanks for your tips! DrSnuggle
Hello,
While traveling in Thailand, I’m looking for a Buddhist kumlai reed bracelet.
Does anyone know where I can find one?
In Bangkok, I visited a few temples but didn’t see any in the nearby shops.
If you have any ideas, I’d love to hear them! Have a great day! :-)
Hi there
My trip’s coming up, and I’m having a bit of trouble with three bus/minivan routes. Usually, I find everything at this time of year, but this time—yikes!
Sandakan → Sepilok: No app for this one—you just hop on bus #14 at the local terminal (pay cash on board). But where do I catch it, and where’s the stop??
Sandakan → Semporna: From what I’ve heard, it’s the Sida Express company (great name, right? 😄). Can’t book online, but apparently, you *have* to because there’s only one bus at 8 AM. Where do I board, and where does it drop me off?
Semporna → Tawau: Found this via AI—is it legit? No online booking, as far as I can tell. Minivans leave from a stop in the Jalan Hospital area, near the Milimewa supermarket, supposedly???? And when you arrive, does it drop you at **Sabindo Square** in Tawau?????
Thanks for any tips—I’m stuck!
My trip’s coming up, and I’m having a bit of trouble with three bus/minivan routes. Usually, I find everything at this time of year, but this time—yikes!
Sandakan → Sepilok: No app for this one—you just hop on bus #14 at the local terminal (pay cash on board). But where do I catch it, and where’s the stop??
Sandakan → Semporna: From what I’ve heard, it’s the Sida Express company (great name, right? 😄). Can’t book online, but apparently, you *have* to because there’s only one bus at 8 AM. Where do I board, and where does it drop me off?
Semporna → Tawau: Found this via AI—is it legit? No online booking, as far as I can tell. Minivans leave from a stop in the Jalan Hospital area, near the Milimewa supermarket, supposedly???? And when you arrive, does it drop you at **Sabindo Square** in Tawau?????
Thanks for any tips—I’m stuck!
Hi there,
we’ll be in Mai Chau in June and we’re thinking of heading to Sapa, but first spending a few days in Bac Ha to do some hiking and explore the area.
Is this a good idea for those who’ve been there?
How do you get there?
Thanks for your feedback.
Looking forward to hearing from you.
Cédric.
Hi everyone. As I’m planning my trip for next winter, I’m looking for hotel suggestions in Camotes, Bantayan, Malapascua, Bohol, and Siquijor. The ones I had in mind seem to be fully booked (unless it’s too early?). For those familiar with the area, is it easy to find accommodations on the spot in January/February? I’m specifically looking for hotels with a pool, beachfront, air conditioning, and easy scooter rental nearby. Thanks for your tips!
Hi there,
I’m planning an itinerary and would love some feedback on whether it’s doable and if the number of days per destination is enough—or too much. I was also debating whether to add an extra night on an island or spend an extra night in Kampot to visit Kep or Battambang.
March 23: Arrival in Phnom Penh in the morning March 24: Phnom Penh March 25: Phnom Penh March 26: Depart for Kampot March 27: Kampot March 28: Depart for Battambang March 29: Battambang March 30: Tonlé SAP to Siem Reap March 31: Siem Reap April 1: Siem Reap April 2: Siem Reap April 3: Siem Reap April 4: Siem Reap April 5: Departure
Thanks for any suggestions or help!
March 23: Arrival in Phnom Penh in the morning March 24: Phnom Penh March 25: Phnom Penh March 26: Depart for Kampot March 27: Kampot March 28: Depart for Battambang March 29: Battambang March 30: Tonlé SAP to Siem Reap March 31: Siem Reap April 1: Siem Reap April 2: Siem Reap April 3: Siem Reap April 4: Siem Reap April 5: Departure
Thanks for any suggestions or help!
Hi there,
Yesterday in the Thailand section, 100% of the new threads were just about beach destinations 😕...
So here’s the counterattack in the form of this photo thread, dedicated solely to the countryside: the locals, their livestock, fields, farms, rice paddies, small rivers, and agricultural machinery. If you’ve got any pictures that fit these categories, feel free to add them!
Comments welcome.
For each photo, I’ll (or you can) indicate the area where it was taken.
Kanchanaburi:
Kanchanaburi:
Sri Chiangmai:
Soppong:
Tha Wang Pha:
Kanchanaburi:

Kanchanaburi:

Sri Chiangmai:

Soppong:

Tha Wang Pha:

🙂 Hi everyone!
Hope you're all doing well! It's been a while since I last traveled, but I'm finally heading out again soon!
For those familiar with SOUTHEAST ASIA, I'm planning to leave in mid-June (with the trip ending at the latest in November), and I don’t have a precise idea of exact places or itineraries yet. The thing is, this period is usually the rainy season...
Any advice? I was thinking of Malaysia or Indonesia, like Sulawesi, for example (all countries and islands in Southeast Asia interest me except Bali).
Any recommendations? I’m doing my research online, but if anyone here has the time and knowledge, I’d love to hear from you.
Thanks everyone, take care and stay happy! ❤️
Hope you're all doing well! It's been a while since I last traveled, but I'm finally heading out again soon!
For those familiar with SOUTHEAST ASIA, I'm planning to leave in mid-June (with the trip ending at the latest in November), and I don’t have a precise idea of exact places or itineraries yet. The thing is, this period is usually the rainy season...
Any advice? I was thinking of Malaysia or Indonesia, like Sulawesi, for example (all countries and islands in Southeast Asia interest me except Bali).
Any recommendations? I’m doing my research online, but if anyone here has the time and knowledge, I’d love to hear from you.
Thanks everyone, take care and stay happy! ❤️
Hi there,
My partner and I are planning a trip to Indonesia in September-October 2026. It’ll be our first time in Asia, and we’re thinking of hitting the classic spots in East Java and Bali, then wrapping up with a cruise around Komodo for some snorkeling/diving. Here’s a rough draft of our itinerary—I’m wondering if it’s doable.
20/09: Flight from Jakarta to Yogyakarta, arrive around noon, afternoon/evening and overnight in Yogyakarta. 21/09: Borobudur 22/09: Prambanan 23/09: Travel to Bromo (Cemoro Lawang) 24/09: Bromo 25/09: Kawa Ijen 26/09: Travel to Bali, overnight in Pemuteran 27/09: Excursion to Pulau Melujan, overnight in Pemuteran 28/09: Travel to Munduk, overnight in Munduk 29/09: Explore Munduk and surroundings, overnight in Munduk 30/09: Explore Munduk and surroundings, overnight in Munduk 01/10: Route to Ubud (via Pura Ulu Danau Bratan, Jatiluwih?), overnight in Ubud 02/10: Explore Ubud and surroundings, overnight in Ubud 03/10: Explore Ubud and surroundings, overnight in Ubud 04/10: Travel to Denpasar, flight to Labuan Bajo, overnight in Labuan Bajo 05/10: Komodo cruise 06/10: Komodo cruise 07/10: Komodo cruise, flight to Denpasar in the late afternoon/evening or overnight in Labuan Bajo. 08/10: Flight to Denpasar (if not taken the day before), afternoon in Jimbaran, overnight near Denpasar 09/10: 10:00 AM flight Denpasar - SIN, overnight in Singapore 10/10: Flight SIN-YQB
Thanks for your thoughts—and for your time!
My partner and I are planning a trip to Indonesia in September-October 2026. It’ll be our first time in Asia, and we’re thinking of hitting the classic spots in East Java and Bali, then wrapping up with a cruise around Komodo for some snorkeling/diving. Here’s a rough draft of our itinerary—I’m wondering if it’s doable.
20/09: Flight from Jakarta to Yogyakarta, arrive around noon, afternoon/evening and overnight in Yogyakarta. 21/09: Borobudur 22/09: Prambanan 23/09: Travel to Bromo (Cemoro Lawang) 24/09: Bromo 25/09: Kawa Ijen 26/09: Travel to Bali, overnight in Pemuteran 27/09: Excursion to Pulau Melujan, overnight in Pemuteran 28/09: Travel to Munduk, overnight in Munduk 29/09: Explore Munduk and surroundings, overnight in Munduk 30/09: Explore Munduk and surroundings, overnight in Munduk 01/10: Route to Ubud (via Pura Ulu Danau Bratan, Jatiluwih?), overnight in Ubud 02/10: Explore Ubud and surroundings, overnight in Ubud 03/10: Explore Ubud and surroundings, overnight in Ubud 04/10: Travel to Denpasar, flight to Labuan Bajo, overnight in Labuan Bajo 05/10: Komodo cruise 06/10: Komodo cruise 07/10: Komodo cruise, flight to Denpasar in the late afternoon/evening or overnight in Labuan Bajo. 08/10: Flight to Denpasar (if not taken the day before), afternoon in Jimbaran, overnight near Denpasar 09/10: 10:00 AM flight Denpasar - SIN, overnight in Singapore 10/10: Flight SIN-YQB
Thanks for your thoughts—and for your time!
Hi everyone,
My girlfriend and I booked our tickets with Saudia Airlines for a trip to Thailand this summer, from July 5th to August 3rd. Given the geopolitical situation in the Middle East, we’re keeping a close eye on the news.
I was wondering if anyone here is in the same situation as us?
• Have you heard anything about possible mass cancellations or if the airline is still maintaining its routes to Asia?
• Are there any travelers who’ve recently returned who could tell us if air corridors have been changed (longer flight times)?
The idea is to know what to expect so we can prepare as best as possible. Thanks for your replies! !
Hi everyone,
Thanks for all your contributions on the forum—they’ve really helped me plan my trip. There are four of us friends heading to Sulawesi for 20 days. Based on all your advice, I’ve put together the following itinerary:
July 30: Makassar – sightseeing July 31: Makassar – sightseeing + overnight bus to Rantepao August 1–7: Tana Toraja with a guide August 7: Tana Toraja to Tentena + visit Tentena August 8: Early departure with a private driver to Ampana, then ferry to the Togian Islands August 9–15: Togian Islands (2 different resorts) August 15: Depart Togian Islands for Luwuk August 16: Flight Luwuk to Makassar August 17: Rammang Rammang August 18: Stroll in Makassar, then return home
Overall, what do you think?
I also have a question about the connection between Tentena and the Togian Islands: Is it doable to leave early in the morning as planned and still be sure not to miss the ferry?
Thanks in advance for your feedback! :)
Thanks for all your contributions on the forum—they’ve really helped me plan my trip. There are four of us friends heading to Sulawesi for 20 days. Based on all your advice, I’ve put together the following itinerary:
July 30: Makassar – sightseeing July 31: Makassar – sightseeing + overnight bus to Rantepao August 1–7: Tana Toraja with a guide August 7: Tana Toraja to Tentena + visit Tentena August 8: Early departure with a private driver to Ampana, then ferry to the Togian Islands August 9–15: Togian Islands (2 different resorts) August 15: Depart Togian Islands for Luwuk August 16: Flight Luwuk to Makassar August 17: Rammang Rammang August 18: Stroll in Makassar, then return home
Overall, what do you think?
I also have a question about the connection between Tentena and the Togian Islands: Is it doable to leave early in the morning as planned and still be sure not to miss the ferry?
Thanks in advance for your feedback! :)
Hi everyone,
I’m currently working on a 30-day itinerary for May/June 2027.
10 days in eastern Java (Malang, Bromo, waterfalls, Meru Beriti Park, Banyuwangi, and Ijen), a short transit in Ubud for a few days, then Flores before heading back to Jakarta.
We’ll spend 15 days in Flores (the classic route: Moni, Bajawa, Riung, Ruteng, ending in Labuan Bajo).
I’d love some firsthand feedback on flights to Maumere or Ende from Bali Denpasar. I know there are no direct routes and that you have to connect through Labuan Bajo or Timor (I think), which isn’t an issue in itself.
But I’ve read here and there that flights to these destinations can be delayed—or worse, canceled—and that it’s better to fly in and out of Labuan Bajo, which isn’t exactly ideal...
Thanks for any tips or experiences you can share!