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Understanding how money works in Labuan Bajo will save you stress and ensure you are never caught short during your Komodo diving trip. Here is a complete guide to currency, ATMs, and payment methods.
Indonesia's official currency is the Indonesian Rupiah (IDR). The approximate exchange rate is 15,000 IDR to 1 USD (as of 2025–2026). Prices for diving, park fees, food, and transport are quoted in IDR, though some liveaboard operators and hotels also quote in USD or EUR.
| Payment Method | Acceptance | Notes |
|---|---|---|
| Cash (IDR) | Accepted everywhere | Essential for park fees, small shops, taxis, and tips |
| Credit / Debit card | Major dive centres, hotels, and restaurants | Typically carries a 3% surcharge |
| USD cash | Some liveaboards and tour operators | Useful as backup; crisp, undamaged bills preferred |
| Mobile payment (GoPay, OVO) | Growing acceptance in town | Requires an Indonesian phone number to set up |
There are several ATMs in Labuan Bajo along Jalan Soekarno Hatta (the main road), operated by banks including BRI, BNI, Mandiri, and BCA. However, ATMs in Labuan Bajo are known to run out of cash during peak season (July–September) and on weekends. Maximum withdrawal per transaction is typically IDR 2,500,000 (~$165 USD), and some machines limit you to IDR 1,250,000.
As a guideline for a week-long dive trip, bring at least IDR 3,000,000 to 5,000,000 (~$200–330 USD) in cash beyond what you have already paid for diving and accommodation. This covers park fees, meals, drinks, transport, tips, and incidentals. If you are on a liveaboard where most costs are prepaid, you will need less daily cash but should carry enough for tips and personal purchases.
Pro tip: Exchange money at the airport in Bali before flying to Labuan Bajo — rates are better and availability more reliable. Avoid exchanging money at unofficial street changers.
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