Country guide
Indonesia and Bali for nomads: QRIS, cash, crypto tax
By DmytroLast checked
- Currency
- IDR
- Crypto tax
- 0.21% of sale value on domestic platforms, 1% on foreign
- Tax residence test
- Over 183 days in 12 months, or intention to reside
- Remote-work stay
- E33G: USD 60,000 a year + foreign employment contract
Short answer
Bank Indonesia requires rupiah (IDR) for domestic payments and prohibits processing payments in crypto, so in Bali and the rest of Indonesia you pay in rupiah by card, QRIS code or cash. For remote workers employed abroad, the E33G visa allows a stay of up to one year.
Paying on the trip
QRIS is Indonesia’s national QR payment standard. A foreign banking app can pay QRIS codes only through cross-border QRIS, which needs a participating app and a supported country corridor.
Banks and cards
Indonesian banks ask for identity, immigration, address and tax documents. A KITAS supports the application, and the bank makes the decision.
Currency, ATMs and cash
Exchange cash only at money changers authorised by Bank Indonesia. Check the authorisation, the final rate and the commission, and count the cash before you leave the counter.
Each ATM withdrawal, even a small test one, can carry a fixed charge, so a few large withdrawals cost less than many small ones, though you carry more cash.
Keep a rupiah reserve for cash-only payments and outages.
Crypto rules
Crypto supervision moved to OJK in January 2025 under the rules for digital financial assets. Buy and sell through exchanges licensed by OJK.
Since August 2025, sellers pay a tax of 0.21% of the transaction value on sales through domestic platforms and 1% through foreign platforms, collected by the platform or paid by you, whether or not the sale made a profit.
Crypto-asset supply itself is no longer subject to VAT. Platform services are: 12% VAT on 11/12 of the commission, an effective 11% of the service fee, not of the whole trade.
Tax and residency
You are tax resident if you live in Indonesia, stay more than 183 days in 12 months, or are present with the intention to reside. An ITAS valid for more than 183 days can evidence that intention, so residence can start before day 184.
The E33G checklist asks for evidence of at least USD 60,000 a year in income and an employment contract with a company outside Indonesia. These are visa conditions; tax on foreign income follows the residence rules.
Checklist
- Before arrival, check whether your banking app supports cross-border QRIS for your home country.
- Note the ATM limit and fee on your first withdrawal and plan cash around them.
- Keep your employment contract, a log of days in Indonesia and a record of each crypto sale.
Sources
- Licensing Information: Payment System — Bank Indonesia
- PMK 50/2025: Babak Baru Pemajakan Aset Kripto — Directorate General of Taxes
- E33G visa: General Information & FAQ — Directorate General of Immigration
- PER-23/PJ/2025: Penentuan Subjek Pajak Dalam Negeri dan Subjek Pajak Luar Negeri — Directorate General of Taxes
- Pemerintah Perkuat Pengaturan Pajak Aset Kripto — Directorate General of Taxes
- Licensing of Financial Sector Technological Innovation, Digital Financial Asset, and Crypto Asset — OJK
- QRIS Cross-Border — Bank Indonesia
- Bank Indonesia Warns All Parties Not to Sell, Buy, or Trade Virtual Currency — Bank Indonesia
Tax, visa and residence rules depend on your situation, so confirm them with the official authority. How we compare