Imali yasekuhlaleni yaseBali , njengakwi- Indonesia yonke , yaziwa ngokuba yi-rupiah (IDR, okanye i-RP). Ngombulelo wemali yamanani, imali yase-Indonesian ivela kwiinkonzo ezinkulu ezivela kwi-aluminium IDR 50 yeengqekembe ukugqithisa i-IDR 100,000 iibill.
Amanqaku ePhepha aya kwii-IDR 500, 1,000, 5,000, 10,000, 20,000, 50,000 kunye ne-100,000. Iinkozo ziza kumahlelo angama-50, i-100, i-200, i-500 kunye ne-1,000, nangona ezi zichanekile kangangoko ziqhathaniswa namaphepha eebhili.
Hlola eli phepha ukuze ubuyekeze isantya sokutshintshiselana kwedoli-doliah: I-Yahoo Finance - i-US Dollar eya kwi-Indonesian Rupiah Exchange Rate (ngaphandle).
Amashishini angene-tourism aseBali ayenetalente kakhulu kwiindwendwe ezisuka kwimali yazo ngeendlela ezifanelekileyo okanye ezipholileyo. Oku akuyikuphazamisa abaqhubi abathandekayo, abaxhasi, amabhanki, kunye nezikhokelo zokutyelela eBali - kodwa omnye makayicaphele ukuba angabhidlizwa eBali, njengoko kuninzi ezininzi zegcuba ezilindele ithuba lokusebenzisa.
Ngolwazi olunxulumene nalo, i-Asia Guide (kunye neyasekuqaleni kwe-Asia-mpuma ye-Asia) Uhamba no-Greg Rodgers chimes kunye neengcebiso malunga nendlela yokuphatha imali e-Asia .
Kweminye i- dos kwaye ingekho e-Bali , funda la manqaku kwiingcebiso ze-Etiquette e-Bali , iinqununu zoKhuseleko eBali , iingcebiso zoKhuseleko lwamaBhangi eBali , kunye neengcebiso zeMpilo eBali .
Abaguquleli beMali kunye nemali yelizwe laseBali
Kukho indawo eninzi yokutshintshiselana kuzo zonke iinkalo zezokhenketho zeBali, ininzi yazo eyamkela iirhafu ezifana neDola yase-US, idola yase-Australia kunye ne-UK.
Abathengisi abathembekileyo basebenzisana nabashintshi bemali, kwaye kunzima ukuxelela omnye komnye.
Ngaphambi kokuba uphume ukuba ube neenguqu zakho zitshintshile, khangela ipapashwe kwiphepha le-local for exchange rates to date. Kodwa musa ukuthatha intliziyo ngentliziyo: ukutshintshiselwa okubangelwayo kunokuphelela ngaphantsi ngenxa yamashishini ahlawulwe ngokutshintsha imali.
Unokuba nemali yakho yatshintshwa kwiindawo ezilandelayo, ulungiswe ngendlela yokuthembeka:
- Amabhanki: Ubuncinane ukuba unqunyulwe xa utshintshiselana ngemali ebhankini. Ngaphandle koko, unako ukurhoxisa kwi-ATM yasebhanki usebenzisa i-debit yakho okanye ikhadi lekhredithi .
- Amahotele: Iindawo ezininzi zeehotele phambi kweedkski zivumela ukutshintshiselana kwemali , kodwa zinika ixabiso lokutshintshiselana ngokuthelekiswa neebhanki kunye nabashintshi bemali rhoqo
- Abaguquleli bemali abagunyazisiweyo: Ibhanki-abagunyazisiweyo bemali abaguqula imali bathengisa isimo sabo njengoPedagang Valuta Asing Berizin okanye i- PVA Berizin (isi-Indonesian "I-Changer Money Money") kunye ne-PVA Berizin logo ewindini yevenkile. (Bona umfanekiso ongentla.)
I-About.com Izikhokelo zihlolisise izinto ezisisiseko zokutshintshiselana kwamanye amazwe kubahambi ngeenkcukacha zenkcazelo. Isikhokelo sethu sabantu abadala Abahamba ngeNancy Parode banikezela iimpendulo kumbuzo othi Ngaba ndifanele ndiwuthathe iCash, i-Travelers Checks, iKhadi leDebit okanye iKhadi leMatyala ekuhambeni kwam? , ngelixa i-Honeymoons Guide I-Susan Breslow Sardone inikeza isiluleko kwi-Overseas Currency Exchange Exchange .
Ibhanki eBali
Uninzi lweebhanki eBalili lwamkela iimali zamanye amazwe ukuze zitshintshe. Ngeentsuku zeveki, ibhanki e-Bali ivuliwe ukususela ngo-8: 00 ukuya ku-3: 00.
Iibhanki ezilandelayo zase-Indonesia zisebenza ngaphakathi kwe-Bali, kwaye zibonelela nge-ATM kunye neenkonzo ezingaphezulu kwee-counter.
Cofa kwiikhonkco ezingekho phantsi kwoluhlu olungezantsi ukuze ufikelele kwiindawo zabo zesiNgesi kwaye ufumane amagatsha kunye nama-ATM e-Bali.
- Bank Mandiri
- BNI
- Bank BCA
- Bank Danamon
- CIMB Niaga
Ngaphandle kokutshintshiselana kweemeko zangaphandle kwiibhanki, unokufumana imali yangaphambili kwikhadi lakho lekhredithi (nokuba ngaphezu kwe-counter okanye ukusuka kumatshini wabo we-ATM), okanye ukusebenzisa ii-ATM zabo ukuba zihoxise kwikhadi lakho lokukhishwa kwe-ATM . Sebenzisa aba baxhasi be-ATM ukufumana ibhanki e-Bali eya kwamkela ukurhoxiswa kwi-ATM yakho okanye ikhadi lekhredithi:
- I-MasterCard / i-Cirrus ATM Locator
- I-Visa / Plus ye-ATM Locator
Uninzi lweebhanki lunomda wokurhoxisa ophezulu we-IDR yezigidi ezi-3 (malunga ne-$ 330), nangona oomatshini abathile bangena kwi-IDR eyi-1.25 yezigidi okanye ngaphezulu kwe-IDR 5 yezigidi.
Ukulungelelana okunikezelwa ngama-ATM e-Bali kunokucutshungulwa yimirhumo ehlawulwe ukurhoxiswa kwamanye amazwe.
Khangela kabini ibhanki yakho okanye ikhadi lekhredithi ngaphambi kokuba uhoxise kwi-ATM ye-Bali. Nantsi ukuphazamiseka kwemirhumo ehlawulwa ngamaziko eemali ase-US ngokurhoxiswa kwe-ATM kunye nokuthengwa kwekhadi: BankRate.com - Iindleko zokuguqula iimali.
Umhlahlandlela Wokuhamba kwabafundi uKathleen Crislip wenza ityala kwikhadi le-debit elithobekileyo: kwi- Debit Card - Musa ukuhamba ngaphandle kwayo .
Bali Money Changers
Iingxowa-mali zangaphandle njenge-dollar yase-US, iipound yase-UK kunye ne-dollar yase-Australia inokutshintsha lula kakhulu kwenye yebaninzi abaguquleli bemali eBali. Abaguquleli bemali bahamba apho abavakhenkethi bavela khona-ukusuka kwisikhumulo sezindiza ukuya kwiidolophana ezinkulu. Ngelishwa, abaguquli bemali be-Bali baye bafumana idumela elibi ngenxa ye-repertoire yabo ebanzi yeengcungco ezingcolileyo. Funda le nqaku ngohambo lwe-Travelfish.org - ukuguqula imali kwi-Bali ukuqonda okungcono indlela esebenza ngayo.
Ukuzikhusela ekubeni uxhatshazwe ngokunyenga abachitshi bemali, ulandele iBhange Indonesia-abaguquleli bemali abagunyazisiweyo kuphela. Laba batshintshi bemali bavunywe ngabaphathi bezimali base-Indonesian njengoPedagang Valuta Asing Berizin okanye i- PVA Berizin (i-Indonesian "ye-Changer Money Money"). Amalungu e-PVA eBerizin aneHhologram ye-Indonesia yase-Indonesia kunye ne-PVA Berizin i-logo ye-shield ye-shield e window.
Kukho nawuphi utshintsho lwemali oya ku-Bali, landela le nyathelo elula ukuqinisekisa ukuba awufumani xa ushintshiselana neemeko zangaphandle.
Inyathelo lokuqala: Bala ireyithi ngokwakho. Khangela ixabiso lokukhangisa imali yokuguqula imali kuqala, sebenzisa i-calculator yakho ukuba ufumene umphumo ngokumalunga nomlinganiselo ofuna ukutshintshisana. Oku kubalulekile: abanye abashintsha imali abanokungabi nongxaki baye banqabile ababalawuli babo ukuba banike umlinganiselo ongenakwenzeka.
Inyathelo lesibini: Misela ukuba umtshintshi osondelayo uya kuhlawulisa ikhomishini. Abaguquleli bemali abanamazinga aphezulu kunamaxesha avamile bahlawula ikhomishana yokukhawulela encinane kwinqanaba. Abaguquleli bemali abangahlawulisi iikhomishini badla ngokuthengisa ngexabiso eliphantsi. Aba batshintshi bavakalisa ukungabikho koothutho phambi kwabo.
Inyathelo lesithathu: Bazise ngemali ofuna ukuyitshintsha. Umtshintshi wemali uya kusebenzisa i-calculator yabo ukuba afumane inani le-rupiah ukuba litshintshwe. Umzobo oza kuboniswa kuwe. (Yilapho iNyathelo lokuqala lifika ngokufanelekileyo.)
Inyathelo lesine: Bala amanqaku akho, kodwa ungawabaniki nje ngoku. Beka phambi kwakho apho unokugcina khona iso.
Inyathelo lesithandathu: thabatha i-rupiah kwimitshintsho yemali uze uzibale wena. Musa ukuwafakela, kodwa ngaphantsi kweemeko kufuneka ubeke i-rupiah kwimali yokuguqula ukubala. Ukuba uyanqinela, hamba uye uthathe imali yakho kunye nawe.
Inyathelo lesithandathu: Ukuba unemihlali ngemali oyifumeneyo, vumela ukuba utshintsho lwemali uthathe imali yakho yangaphandle kwaye uzalise umthengi. Kufuneka ufumane irisidi yokuthengiselana. Ukuba awufumani enye, cela enye.
Iingcebiso zokutshintsha imali yakho e-Bali
Landela la macebiso ukuze uqinisekise ukuba ufumana uninzi lwayo yonke imali yokutshintsha imali.
- Ungakhethi ngokukhethekileyo ngesiseko sezinga elilungileyo kakhulu. Usebenziso lwe-Fly-night-use-value-to-be-true exchange exchange rates.
- Yenza okutsha, i-$ 100 yeebhilikhwe ukutshintshisana. Iimali ezidalwe okanye ezidala ziya kukhatywa ngabaninzi bemali-mali, okanye ziya kuhlawuliswa isamba semali esezantsi. Kuyafana neendleko zezinto ezitsha ezisezantsi; babuze ukuba bahlawula iibhili ezingaphantsi kwama-$ 100 ngexabiso. Iingxowa-mali ezibizwa ngeedola ezili-10 nangaphantsi zingenakuvunyelwa ukuba zitshintshwe. Ukuphinda uphendule umshicileli wakho weeRandi eziyi-100 zama-bill, mhlawumbi unokufumana umlinganiselo ongcono kwi-exchange.
- Bala imali yakho ngaphambi kokuba uyitshintshe; ubale, uze ubale kwakhona emva kokuba utshintshile.
- Yiba ngumntu wokugqibela ukuphatha imali kwintengiso. Ungavumeli ukuba utshintsho lwemali lubuyisele imali, "ukuba ubaleke kuphela xa kwenzeka".
- Gweba abaguquli bemali abalandelayo: Abaguquleli bemali banamathele njengenkxalabo yesibini kwelinye ishishini, njengomboniso we tattoo oguqula imali kwicala; kunye nabatshintshi bemali banikela amazinga aphezulu ngokugqithiseleyo kunani lebhanki ekhoyo.