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That said, always take care when changing money. It is easy to be tricked when you aren't used to working in hundreds of thousands and millions!
Small bills ($10 or smaller) and coins are generally not changeable, in ANY currency. So please don't use smaller notes e.g. US$10 or AUD$10 as tips.
Commercial banks are always safest. Second best are registered money changers in sole-purpose shops or booths.
NEVER let the money leave your sight while it is counted or checked, or you could find the total shorter when it comes back. Once you leave the premises, it is usually not be possible to remedy the situation. However, if you decide to go back even the next day to get your money back, you may find that they have kept track of their "tips" and will give it back upon threat of the police.
Also, any commercial bank will change currency for you however the rates will be less.
The rates at money changers generally do not change on a weekend, as the banks are closed.
RECOMMENDED MONEY CHANGERS
Beware of Cheats: Remember to add the items up yourself (bring your own calculator if needed). There are many ways to scam an unwitting traveler in a foreign country - be observant and careful and you should be fine.
Watch the zeros and the colour of the notes as they are similar -- the Rp 100,000 ($10) bill is pink while the Rp 10,000 ($1) bill is purple, and they are easy to confuse.
You can use the standard Kodak shops around the tourist areas of Legian and Kuta; you hsould find them to be very easy and fair to deal with; which has been consistent for many, many years - which says a lot about the staff in these premises! They do not conduct any pressure tactics, nor do they charge commissions!
If you put a non-Indonesian card in an ATM, it will automatically ask you if you want instructions in Indonesian or English.
Phone your bank 2 weeks before you travel and tell them where you will be and the dates, they will then keep an eye on your card to ensure it is not compromised, especially after you have returned home. Do not let this card out of your sight and watch them when doing the transaction.
Keep money and passports in either your room safe or the hotels safety deposit box. Don't walk around with large amounts of money.