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Q&A: Maximum ATM Withdrawal in Indonesia

Q: How much money can I withdraw from ATM Machine in Indonesia? Is there any limit of money that can be withdrawn per day, or per transaction?

A: I have checked with 2 banks in Indonesia: BCA as the largest private bank, and HSBC Indonesia. Both give the same answer: The maximum withdrawal limit per day is set by the bank issuing ATM card, not the bank operating the ATM machine.

However, there are limit on amount of withdrawal per transaction. The limit depends on the denomination used by the ATM machine. Most ATM machine in Indonesia will only issue maximum of 25 sheets of bank notes. So, the maximum amount that can be withdrawn from an ATM machine are as follow:

  1. For ATM Machine that use Rp. 20.000 denomination, maximum amount of withdrawal per transaction is 20.000 x 25 = Rp. 500.000. I almost never see ATM machine that use 20.000 bank notes in big city, but they might be around in smaller village.
  2. For ATM Machine that use Rp. 50.000 denomination, maximum amount of withdrawal per transaction is 50.000 x 25 = Rp. 1.250.000.
  3. For ATM Machine that use Rp. 100.000 denomination, maximum amount of withdrawal per transaction is 100.000 x 25 = Rp. 2.500.000.

As most bank charge withdrawal from foreign ATM per transaction, you might want to find ATM machine that use biggest denomination to be able to withdraw maximum amount of money in single transaction.

This question was originally asked on Lonely Planet's Thorn Tree Forum