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This may require an update but will give you a rough idea.

QRIS - Pronounced KRIS by Bank Indonesia but Q-RIS by everyone else, is a massive payment method.

It can be used from all the finance apps - Official bank ones and everything else licenced by the Bank of Indonesia. That includes Go-Jek and Grab.

I prefer the BCA app as it works exceptionally well and shops/restaurants commonly ask for BCA QRIS.

I have three debit cards, but I can hardly remember when I last used them. I don't know why I bother carrying them.

The BCA (and other banks' apps) allow for cardless transactions at ATMs. This is very secure and skimming isn't a worry as codes generated from the app are one time use only.

A Flazz card (Flash) is another really handy payment method. This is accepted on the toll roads and car parks. Toll roads are all card, and most car parks have either changed to Flazz or are about to.

Other prepayment cards (E-tol is a big one), will work as well.

I use Flazz as I can top it up using my BCA app (You must have NFC on your phone to do this)

There are plenty of good banks here, but BCA is exceptionally popular and their app is as easy to use as it is secure.

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If i can’t take cash to Bali or any other part of Indonesia for that matter, we won’t be going. we go every year, at least once, will go elsewhere if cash is not accepted!!

You can definitely take cash to Bali. Nearly everyone pays with cash. Every single place accepts cash too. Who told you that Bali doesn't accept cash because that is untrue. Also every other establishment in every part of Indonesia also accepts cash.

If you visit Indonesia then bring cash and exchange it at a reputable money changer over here and only take the minimal amount from a monery changer at the airport since their rates are not very good. In Jakarta or West Java you can use Dolarindo to exchange money as their rates are good and they are a trustworthy company for exchanging money. In Bali there are two very reputable companies with branches all over the place - Central Kuta Money Exchange and Dirgahayu Valuta Prima. All these companies have their own website that show the current exchange rates for the major currencies as well as the location of all their branches.

If you need to use an ATM to get cash then use one inside a local bank to avoid getting your card skimmed.

Ìý Ìý If i can’t take cash to Bali or any other part of Indonesia for that matter, we won’t be going. we go every year, at least once, will go elsewhere if cash is not accepted!!
Ìý Ìý

Ìý Ìý -@lorddrwilson95

Why would you think that?

Cash, in many parts of Indonesia, is seen as a backwards, out of date idea that's about to enter the dustbin of old stuff.

It's still in common use, and pretty much everywhere still takes it.

However, it's far better for many businesses and customers not totuse it, so non-cash shops are getting more common.

I hardly use cash at all. That means no messing around at ATMs, wondering if I have enough on me to pay for my shopping.

The lot is on my phone.

Toll roads are totally cashless, and I can't remember the last time I used cash for parking.

That pair are looked after with a BCA Flazz card.

Flazz is open to anyone as it doesn't require a bank account and can be topped up at a million places with ease.

Most small shops and many larger businesses take it.

Ease is one thing, but never having loose change in my pocket is a big bonus.

I can't speak for Bali as I don't go, but I would guess most still take cash as many tourists won't have easy access to QRIS, and many are from backwards countries where cash is still normal.

I'm making payments with QR code all the time, every day. But so many street food places, especially run by old people are not equipped for paying that way. Some might allow a bank transfer via mobile banking, but many still only receive cash.

Recently in the news we saw some scamming with QR codes. Someone who placed their own QR codes in a mosque was getting all the money this way. Fortunately he was arrested. Then there are people who carefully stick their QR codes onto small warungs or street food carts without the owners noticing or really understanding, and this is what is happening recently.

But the main reason I keep lots of small cash notes in my car is to pay parking at mini-markets, restaurants and anywhere else. We pay out small cash many times every day for parking almost anywhere in the city.

I almost paid with cash at a car park in a hospital today.

Flazz was available so I used that, but I could have paid in cash.

I leave a few 1,000 and 2,000 notes in the car to pay street parking and the guys who help you out of junctions, so I pay cash in shops sometimes so I have a supply of small notes for them.

I generally ask for 1 and 2 thousand notes so I don't have to pay cash very often.

A tiny coffee shop refused cash yesterday. They will take it but they haven't always got change so they asked me to use QRIS.

This has happened several times over the last few weeks.

Small street food stalls are starting to get QRIS notices to scan, but that that many yet. As was said above, older small vendors are last in the queue to update.

Living in Jakarta may be different to other areas of Indonesia, but cashless is the way things are here.

The US right and UK left (odd they agree), keep spouting on about government tracking you through electronic transactions, thus are against change, but King Cnut tried holding back the tide in the much misunderstood story.

Change is with us, but those using electronic transactions aren't weighed down by pockets full of it.

Frankly, I love emoney - it makes life easier

Debit / credit card contactless never seemed to take off.

I have 2 cards able to do it but, even when I was using cards, I managed only one contactless transaction. I thought covid might give it a push, but nobody seems to care about using it.

It's possible people who still use cards do, but my cards remain in my wallet just in case I ever need them. I carry my HSBC, BCA, and Jenius debit cards, but they rarely see the light of day.

My Flazz pre-pay card gets used a lot.

I don't bother with the BRI cards unless I have to go to the bank.

My wallet is a lot more about my spare keys, KTP, STNK, and SIMs than a thing to carry debit cards and cash in.

As with all thinking people, I don't have any credit of any sort, so I can't comment on credit cards here.

What is the upshot of Phone banking, QRIS and Flazz for prety much most of my transactions?

• I rarely use an ATM

I don't take cash out but, if I do, I use the BCA app so I don't need an ATM card (No skimming my card).

Paying bills can also be done using the BCA app. I pay for most things using the BCA QRIS system so still no cash.

• I don't care about losing money

How can I? I hardly carry any. That makes me and a lot of other people usless targets for thieves and beggars.

Somebody stealing my wallet would be a problem because of the ID cards and so on, but no financial loss as such. That also means I never have to think about how much money I'm carrying, and I never have pockets full of loose change.

• Life is easier

No messing around with cash is so much easier.

I look back on the times whn cash was king and it's like a bad dream. I, like so many, was paid in cash, then had to queue up at a bank to put it in, then used ATMs to get cash, and debit cards and cheques to pay for things.

I knew a lot of people who carried their wages around all week, and quite a few who lost their money.

It was like the ruddy stone age.

The Bank of Indonesia has done a great job with QRIS - I love it.