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Knowing your payment options in advance prevents last-minute stress, especially given Labuan Bajo's sometimes unreliable banking infrastructure.
| Method | Acceptance | Notes |
|---|---|---|
| Cash (IDR) | All operators | Preferred by most centres — no surcharges, immediate |
| Cash (USD) | Most operators | Accepted at approximate market rate; crisp, undamaged bills |
| Credit card (Visa/Mastercard) | Major dive centres | Typically carries a 3% surcharge |
| Debit card | Some centres | Less widely accepted than credit cards |
| Bank transfer | For advance deposits/bookings | Indonesian bank transfer or international wire |
| PayPal | Some operators for advance bookings | Fees may apply |
ATMs are available along Jalan Soekarno Hatta but have known issues:
Arrive in Labuan Bajo with sufficient cash in IDR to cover your entire diving budget plus extras. Exchange money in Bali before flying to Labuan Bajo for better rates and reliability. As a guideline, bring at least IDR 5,000,000–10,000,000 (~$330–660 USD) in cash for a week-long dive trip beyond any prepaid bookings.