High-street debit
US$43
FX on card and ATM, 2 ATM fees, airport-desk rate on notes.
DCC trap if you tap home currency: +US$11
Travel kit
Cover, card, cash — then book.
Global products we refer. Local hotels and cars sit on the country wall. Visa and the airport stay on the country page.
Money desk
What paying for the trip actually costs
High-street cards quietly take about 2.9%, then more if you tap “pay in home currency”. A travel card plus one ATM pull is the usual mix. Scaled for the party.
1
More notes. Still decline DCC whenever a terminal appears.
Card 40%
US$274
ATM 25%
US$172
Notes 35%
US$240
Travel card
US$5
Mid-market spread, fair-use ATM, cash ordered at a marked desk — not the arrivals hall.
You keep US$38 on US$686
Indicative. Cards work in malls. Carry cash for warungs, scooters and temple donations. 10,000 IDR ≈ US$0.65. Always pay in IDR. FX mids live on fx.zayguide.com. This briefing reuses the pair / mix / as-of shape and does not duplicate live rates into a public database.
Pick a card, then cover
High-street debit
- Fee
- Free at home
- FX
- ~2.9% + DCC
- ATM
- £1.50–3 per pull
- Best for
- Leave it for home
Keep it for home. Do not tap “pay in GBP / USD” abroad.
Atlas Card
- Fee
- Often free
- FX
- Mid-market + small spread
- ATM
- Fair-use free
- Best for
- Most trips
Midrate Card
- Fee
- Often free
- FX
- Mid-market
- ATM
- App limits
- Best for
- Leaving this week
Referral partners
List a service
Atlas Card
Travel cardSample multi-currency card. Hold local balances, spend on contactless, skip most high-street FX markups.
Referral · we may earn a commission if you apply
Midrate Card
Travel cardSample app card if you cannot wait for plastic. Use Apple/Google Pay the day you land.
Referral · we may earn a commission if you apply
Northstar Cover
InsuranceSample travel medical. Hospital, evacuation, and an emergency number. Add scooters if you will ride.
Referral · we may earn a commission on the policy
Trail Medical
InsuranceSample cover for 30+ days. Cancellation is a separate add-on if the ticket is large.
Referral · we may earn a commission on the policy
Clearrate FX
MoneySample FX desk. See the all-in rate before you touch an airport booth. Pairs with ZayGuide FX.
Referral · we may earn a commission
World eSIM
eSIMSample regional eSIM when you hop countries. Local tourist SIMs still win if you stay put.
Referral · we may earn a commission
Gate Lounge
LoungeSample lounge pass. Useful on a long connection or a 6am arrival. Skip it on a two-hour hop.
Referral · we may earn a commission if you apply
Openroad IDP
DrivingSample international driving permit. Scooters in Bali and Thailand often need one, plus a cover add-on.
Referral · we may earn a commission
Vault Send
MoneySample transfer desk. Send rent home or move a balance at a mid-market rate instead of a bank wire.
Referral · we may earn a commission
Skydesk Flights
FlightsSample flight search. We list who typically flies the route; you compare fares on this desk. We may earn a commission if you book through the referral link — the fare you see does not change.
Referral · we may earn a commission if you book. Not a ticket issuer.
Staybook
Hotels / OTASample hotel OTA. Use it to compare the first night, then keep a local pin if you want a desk on the wall. Commission on booking; cancel on the OTA’s own terms.
Referral · we may earn a commission if you book
Pins: you pay to appear on a country wall. Referrals: cards, insurance, FX, lounge, IDP, flights and hotel OTAs pay us a commission when a traveller applies or books — the price they see does not change.