Find the best travel money to take travelling to Bali

Whether it's Bali, Lombok or any of the 17,000 islands that make up Indonesia, you'll need to figure out the best way to access your money.

If you're sticking to a swanky resort in a built-up area like Bali, you'll be fine with a no-fee debit or credit card and access to some cash for any smaller purchases along the way, like souvenirs and quick meals. If you're doing it loval style in a villa or heading off the beaten track, then having more Indonesian Rupiah available in cash is a must.

Compare travel money options for Indonesia

20 of 24 results

Foreign currency conversion fee	Interest-free days	Purchase rate p.a.	Annual fee
Latitude 28° Global Platinum Mastercard	0%	Up to 55 days on purchases	Intro purchase rate 27.99%	$0 first year ($96 after)	$260 bonus Latitude Rewards if you spend $2,000+ in the first 3 months & reward of up to $240 each year on eligible international transactions. $0 first-year annual fee. T&Cs apply. New customers only, must be approved by 26 February 2026.	Go to site More info Compare product selectionCompare	loading
Bankwest Breeze Platinum Mastercard Finder Award	0%	Up to 55 days on purchases	Intro purchase rate 12.99%	$59	Get 0% p.a. interest on balance transfers for 24 months (with a 3% balance transfer fee). Plus 0% foreign fees and complimentary overseas travel insurance.	More info Compare product selectionCompare	loading
Bendigo Bank Ready Credit Card	0%	Up to 55 days on purchases	Intro purchase rate 19.99%	$0	Save with an ongoing $0 annual fee and no foreign transaction fees.	More info Compare product selectionCompare	loading
ING Orange One Rewards Platinum	0%	Up to 45 days on purchases	Intro purchase rate 16.99%	$149	Enjoy up to $30 cashback per month and $0 international transaction fees and ATM fees. Available when you hold or open an Orange Everyday bank account.	More info Compare product selectionCompare	loading
Bankwest More Platinum Mastercard	0%	Up to 44 days on purchases	Intro purchase rate 19.99%	$160	Offers up to 130,000 bonus Points to use for up to $290 cashback, and save with 0% foreign transaction fees and a 0% p.a. balance transfer offer.	More info Compare product selectionCompare	loading
Bankwest More World Mastercard	0%	Up to 44 days on purchases	Intro purchase rate 19.99%	$270	Enjoy up to 180,000 bonus Points which can be redeemed for up to $400 cashback, complimentary travel insurance, and 10 airport lounge visits per year.	More info Compare product selectionCompare	loading
Bankwest Qantas Platinum Mastercard	0%	Up to 44 days on purchases	Intro purchase rate 19.99%	$199	Earn up to 80,000 bonus Qantas Points when you meet the spend criteria. Plus, enjoy 0% foreign transaction fees & complimentary travel insurance.	More info Compare product selectionCompare	loading
Bank First Visa Platinum Credit Card	0%	Up to 55 days on purchases	Intro purchase rate 11.49%	$99	Enjoy a low 11.49% p.a. interest rate on purchases and balance transfers. Plus, access to complimentary travel insurance.	More info Compare product selectionCompare	loading
Bankwest Qantas World Mastercard	0%	Up to 44 days on purchases	Intro purchase rate 19.99%	$320	Earn up to 100,000 bonus Qantas Points when you meet the spend criteria. Plus, enjoy 0% foreign transaction fees and complimentary travel insurance.	More info Compare product selectionCompare	loading
Great Southern Bank Platinum Credit Card	0%	Up to 55 days on purchases	Intro purchase rate 19.99%	$144	Earn uncapped 0.50% cashback on every eligible dollar spent, plus enjoy 0% international transaction fees and complimentary travel insurance.	More info Compare product selectionCompare	loading
Macquarie Platinum Card	0%	Up to 55 days on purchases	Intro purchase rate 20.7%	$149	Only available to customers with Macquarie Bank home loans. Save with 0% international transaction fees on purchases. Plus, earn up to 1 point per $1 spent.	More info Compare product selectionCompare	loading
CommBank Smart Awards Credit Card	0%	Up to 44 days on purchases	Intro purchase rate 20.99%	$228	Get up to 80,000 bonus CommBank Awards Points or up to 50,000 bonus Qantas Points when you spend $1,500 each month for the first 4 months.	More info Compare product selectionCompare	loading
Macquarie Black Card	0%	Up to 55 days on purchases	Intro purchase rate 20.7%	$249	Only available to customers with Macquarie Bank home loans. Get 2 points per $1 spent and complimentary travel insurance. Plus, 0% foreign transaction fees.	More info Compare product selectionCompare	loading
ING Orange One Low Rate	0%	Up to 45 days on purchases	Intro purchase rate 12.99%	$48	Enjoy no foreign transaction fees and ATM fees for customers with an Orange Everyday account. Plus, $48 annual fee.	More info Compare product selectionCompare	loading
CommBank Ultimate Awards Credit Card	0%	Up to 44 days on purchases	Intro purchase rate 20.99%	$420	Earn 25,000 CommBank Awards points each month when you spend at least $3,000 per month within the first 4 months (up to 100,000 points total).	More info Compare product selectionCompare	loading
NAB Rewards Signature Card – Velocity Points Most Loved	0%	Up to 44 days on purchases	Intro purchase rate 20.99%	$420	Get up to 80,000 bonus Velocity Points: 60,000 points when you spend $5,000 in the first 90 days and 20,000 after 12 months. Plus, no foreign transaction fees.	More info Compare product selectionCompare	loading
NAB Rewards Signature Card Most Loved	0%	Up to 44 days on purchases	Intro purchase rate 20.99%	$420	Get 110,000 bonus NAB Rewards Points when you spend $5,000 in the first 90 days. Plus, no foreign transaction fees.	More info Compare product selectionCompare	loading
Bankwest Zero Platinum Mastercard Finder Award	0%	Up to 55 days on purchases	Intro purchase rate 0% for 6 months, then 18.99%	$0	Get 0% p.a. on purchases and balance transfers for 6 months (with a 3% BT fee) and 0% foreign transaction fees. New customers only & minimum limit of $6k applies.	More info Compare product selectionCompare	loading
CommBank Ultimate Awards Credit Card with Qantas Points	0%	Up to 44 days on purchases	Intro purchase rate 20.99%	$510	Get 17,500 bonus Qantas Points each month when you spend at least $3,000 per month within the first 4 months (up to 70,000 points total).	More info Compare product selectionCompare	loading
CommBank Neo Card	0%	-	Intro purchase rate 0%	$0	0% interest, monthly fee based on your credit limit. Receive 10% back in Travel Credits.	More info Compare product selectionCompare	loading

Showing 20 of 24 results

20 of 187 results

Finder Score	Card access	Own network ATM fee	Monthly Account Fee	Foreign transaction fee
Finder score 9.6Excellent Bankwest Easy Transaction Account	Finder score 9.6Excellent	Platinum Debit Mastercard	$0	$0	0%	Go to site More info Compare product selectionCompare	loading
Finder score 8.2Great Newcastle Permanent Everyday Account	Finder score 8.2Great	Visa	$0	$5	3%	Get $50 cashback when you open a new Everyday Account with code 'bonus50' and make two $5+ card purchases within 30 days. This offer is only available for new customers who live in NSW. T&Cs apply.	$0 monthly fees, unlimited free transactions plus a Visa debit card and digital card.	Go to site More info Compare product selectionCompare	loading
Finder score 9.6Excellent ING Orange Everyday Account	Finder score 9.6Excellent	Visa	$0	$0	0%	Welcome bonus: Get $100 when you open a new Orange Everyday and Savings Maximiser account with code OE100JOIN and deposit $1000, plus make 5 debit purchases by 31 January 2026. T&Cs apply.	Go to site More info Compare product selectionCompare	loading
Finder score 9.9Excellent Suncorp Bank Everyday Options Account	Finder score 9.9Excellent	Visa	$0	$0		Eligible Visa Debit cardholders can get cashback when using their card to shop at partner retailers. T&Cs apply.	You can link up to 9 sub-accounts to your Everyday Options Account to help you manage your budget and different expenses.	Go to site More info Compare product selectionCompare	loading
Finder score 9.6Excellent Ubank Spend Account	Finder score 9.6Excellent	Visa	$0	$0	0%	More info Compare product selectionCompare	loading
Finder score 8.6Great Regional Australia Bank Community Partnership Account	Finder score 8.6Great	Visa	$0	$0	3%	Go to site More info Compare product selectionCompare	loading
Finder score 8.2Great Westpac Choice	Finder score 8.2Great	Mastercard	$0	$5	3%	Get $50 cashback when you open a new account and make an in-person, contactless transaction from a mobile wallet worth $50 or more within the first 15 days. Pay $0 account keeping fees for 12 months when you open an account online. T&Cs apply.	Go to site More info Compare product selectionCompare	loading
Finder score 9.4Excellent MyState Bank Glide Account	Finder score 9.4Excellent	Visa	$0	$0	3.25%	More info Compare product selectionCompare	loading
Finder score 7.4Great IMB Everyday 50PLUS	Finder score 7.4Great	Visa	$0	$5	2.5%	Available for members 50 years or over or member receiving an eligible permanent pension.	More info Compare product selectionCompare	loading
Finder score 9.1Excellent Bendigo Bank Everyday Account	Finder score 9.1Excellent	Mastercard	$0	$5	3%	More info Compare product selectionCompare	loading
Finder score 9.1Excellent HSBC Everyday Global Account Finder Award	Finder score 9.1Excellent	Visa	$0	$0	0%	Earn 2% cashback on tap and pay purchases. T&Cs apply.	More info Compare product selectionCompare	loading
Finder score 9.5Excellent ANZ Plus Everyday	Finder score 9.5Excellent	Visa	$0	$5	3%	More info Compare product selectionCompare	loading
Finder score 9.6Excellent Macquarie Bank Transaction Account Finder Award	Finder score 9.6Excellent	Mastercard	$0	$0	0%	Earn 2.00% p.a. interest on your transaction account balance.	More info Compare product selectionCompare	loading
Finder score 8.4Great Revolut Account	Finder score 8.4Great	Visa and Mastercard		$0	0%	More info Compare product selectionCompare	loading
Finder score 8.4Great Great Southern Bank Everyday Youth Account	Finder score 8.4Great	Visa	$0	$4.50	2.95%	More info Compare product selectionCompare	loading
Finder score 8.8Great Great Southern Bank Everyday Edge Account	Finder score 8.8Great	Visa	$0	$4.50	2.95%	More info Compare product selectionCompare	loading
Finder score 8.6Great Virgin Money Go Account	Finder score 8.6Great	Visa	$0	$5	2.5%	Earn Virgin Money Points as you spend with your debit card. T&Cs apply.	More info Compare product selectionCompare	loading
Finder score 9.1Excellent St.George Complete Freedom Account	Finder score 9.1Excellent	Visa	$0	$5	3%	Get $50 cashback when you open a new account and make an in-person, contactless transaction from a mobile wallet worth $50 or more within the first 15 days. Access special offers and discounts on popular brands, plus extra cashback when you shop via ShopBack. T&Cs apply.	Go to site More info Compare product selectionCompare	loading
Finder score 8.2Great NAB Classic Banking Account	Finder score 8.2Great	Visa	$0	$5	3.5%	Get personalised cashback offers via the NAB app with NAB Goodies. T&Cs apply.	More info Compare product selectionCompare	loading
Finder score 9.1Excellent Bank of Melbourne Complete Freedom Account	Finder score 9.1Excellent	Visa	$0	$5	3%	Get $50 cashback when you open a new account and make an in-person, contactless transaction from a mobile wallet worth $50 or more within the first 15 days. T&Cs apply.	More info Compare product selectionCompare	loading

Showing 20 of 187 results

Finder Score for bank accounts

We assess multiple product features for transaction accounts from over 100 providers and assign each product a score out of 10.

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2 of 2 results

Finder Score	Available Currencies	ATM Withdrawal Fee	Initial Load Fee	Reload fee
Finder score 9.9 Excellent Revolut Travel Money Card	Finder score 9.9 Excellent	AUD, USD, CAD, EUR, GBP, HKD, CNY, JPY, NZD, SGD, THB, VND, AED, ZAR, DKK, SEK, CHF, IDR, PHP, PLN, CLP, CZK, SAR, KRW, HUF, NOK, ILS, COP, QAR, INR, MAD, MXN, BGN, EGP, ISK, KZT, RON, RSD, TRY	Standard: No ATM fee for the first $350 worth of withdrawals per month, then 2% per withdrawal Plus: No ATM fee for the first $350 worth of withdrawals per month, then 2% per withdrawal Premium: No ATM fee for the first $700 worth of withdrawals per month, then 2% per withdrawal Metal: No ATM fee for the first $1,400 worth of withdrawals per month, then 2% per withdrawal (ATM providers may apply their own fees)	$0	$0	Get a free 3-month Premium trial. T&Cs apply.	Load and spend money in over 30 currencies with mobile payments.	Go to site More info Compare product selectionCompare	loading
Finder score 7.8 Great CommBank Travel Money Card Most Loved	Finder score 7.8 Great	AUD, USD, CAD, EUR, GBP, HKD, CNY, JPY, NZD, SGD, THB, VND, AED, FJD, IDR, INR	AUD $3.50, USD $2.50, GBP £2.00, EUR €2.20, NZD $3.50, CAD $3.00, JPY ¥220, SGD $3.50, HKD $17.00, THB ฿80.00, VND ₫50000, CNY ¥15.00, AED 10.00	$0	$0	Pay anywhere that Visa is accepted and lock in exchange rates for up to 16 currencies.	More info Compare product selectionCompare	loading

Showing 2 of 2 results

Finder Score for travel money

Want to find the best travel money card fast? Use the Finder Score to compare cards in seconds.

It's simple. We crunch a bunch of data for every travel money card in our database: fees, withdrawal limits, currency options, max load amounts, you name it.

The end result is a simple score out of 10 for every card. The higher the score, the better the card for most customers.

Read the full methodology

What's in this Indonesia travel money guide?

A quick summary of travel money options for Indonesia
How the different travel money products work in Indonesia
Stephanie’s trip to Bali
A guide to Indonesia Rupiah: banknotes and coins
Finding cash and ATMs in Indonesia
Find travel insurance for Indonesia

Travel scenery

Travel card, credit card, or debit cards?

Whether you're on a quick business trip or taking a holiday, it's good to have an at least a couple of ways to access your money. There are currently no travel cards which allow you to load Indonesian rupiah. Compare travel credit cards and debit cards to take to Indonesia instead.

Choose a mix that suits your needs: for example a debit card for regular spending with a credit card for emergencies, or Indonesian currency supplemented by a debit card. Whatever mix you decide on, you want to have enough Indonesian currency in your pockets when travelling through Indonesia - even if it's enough for the first couple of days.

Must read

You're going to need to pay for a visa when you arrive in Indonesia. In places such as Denpasar airport, you have to pay cash, so make sure you have sufficient funds.

A quick summary of travel money options for Indonesia

Travel money option	Pros	Considerations
Debit cards for travel	Avoid currency conversion fees on foreign transactions Emergency cash facilities Ideal for managing your travel budget	Currency conversion and international ATM fees Can't be used over the counter No emergency cash No backup cards
Prepaid travel money cards	Protected by PIN & chip Pre-load and secure your exchange rate in multiple foreign currencies Accepted worldwide Emergency card replacement and backup cards Ideal for managing your travel budget	Local ATM fee Reloading time No fee - Assuming cardholder is spending on a currency loaded onto the card
Credit cards for travel	Protected by PIN & chip Access to funds up to your credit limit Accepted worldwide No currency conversion/ transaction fees Benefits including rewards points on spending, 0% purchases, frequent flyer perks Emergency card replacement	Can charge high withdrawal and cash advance fees Higher spending limit (depends on your approved credit limit)
Traveller's cheques	Secure and can be easily replaced if lost or stolen Photo I.D. needed to cash cheques	Can be costly with initial purchase charges Not all merchants accept traveller's cheques
Cash	Greater payment flexibility Convenience	More difficult to manage expenses Higher risk of theft

_{This table is a general summary of the travel money products in the market. Features and benefits can vary between cards.}

How much Rupiah do I need to bring to the Indonesia?

Budget (Cheap)	Midrange	Luxury (High-end)
Simple rooms less than 19.73AUD	Double rooms with air-con and wi-fi around 40-90AUD	Ayana Bali resort 1041-1561AUD
Cheap street meals from 1.33AUD	Average full meal 2.64-4.00AUD	Western food 11.94AUD
Bromo-Tengger-Semeru National Park 8.64AUD	Mt. Batur hike40-79AUD	2 Day All-Inclusive Orangutan Trek in Bukit Lawang 101.51 AUD

^{*Prices are approximate and are subject to change.}

Exchange rate history (AUD to IDR)

Year	Average annual exchange Australian Dollar (AUD) to Indonesian Rupiah (IDR)
2012	9706.258562
2013	10062.17388
2014	10688.816057
2015	10063.65457
2016	9892.614214
2017	10164.218924

^{*Exchange rates are accurate as of 3 September 2017}

Today's exchange rate AUD to IDR

How the different travel money products work in Indonesia

Using prepaid travel cards

If you're looking at taking a travel money card to Indonesia, think again. There are no travel money cards on the market that allow you to load and spend in Indonesian rupiah. Having said that, there are a couple of travel cards which may be suitable to take to Indonesia, including the CommBank Travel Money Card. One drawback, however, is that the CBA card charges the Visa or Mastercard currency conversion fee, plus 4.5%.

These cards should only really be considered if Indonesia is the first leg of your international holiday. The CommBank Travel Money Card offers up to 13 different international currencies and can be used all over the world. Furthermore, the Commonwealth Bank have a large number of ATMs and branches in Bali and Indonesia where you can use your CBA travel, debit or credit card and avoid the international ATM fee. However, due to the lack of support for Indonesian rupiah, the exchange rate margin when you load the card with funds and the fee structure, there are cheaper products to use in Indonesia than a travel card.

Travel credit cards with no foreign transaction fee

A credit card can be useful when travelling overseas – especially when it comes to big ticket items you may want to pay off over a couple of months, or hotel check-in where a deposit is required. Credit cards also give you access to emergency cash if you need it, and some credit cards have handy benefits like complimentary travel insurance when you charge the cost of your travel ticket to your account.

However, credit cards can be expensive, especially when it comes withdrawing cash at an ATM. Interest is charged straight away and you'll pay a cash advance fee. You may be able to avoid this keeping a positive balance on your card - each credit card issuer has different rules for keeping a positive balance. Read the FAQs section of our travel money page for more information.

Taking a debit card in Indonesia

Most debit cards on the market charge a 2-3% fee when you make a purchase outside of Australia. In fact, there's only one debit card available at the moment which waives the currency conversion fee: the Citibank Plus Transaction Account.

Using traveller's cheques

Traveller's cheques may not be as popular today as they used to be but they still offer some important advantages over other forms of travel money. When travelling to Indonesia, traveller's cheques have the added security of needing ID to be cashed. Plus, if they get lost or stolen, they can be replaced in a few days. There will also be a fee for purchasing and cashing traveller's cheques, so check these out too.

Stephanie's Bali Beach Holiday

What cards did you take with you?

CommBank Travel Money Card
Commonwealth Bank Low Rate Credit Card
Commonwealth Bank Smart Access Mastercard Debit Card

Why did you take these cards with you?

Stephanie says she already had a CommBank Travel Money Card from her last holiday with a little money left on it. She withdrew the remaining funds from this card from a Commonwealth Bank ATM in Bali and saved on ATM withdrawal fees. She didn't bother reloading this card even though there is no reload charge from the Commonwealth Bank.

She used the Commonwealth Bank Smart Access Mastercard Debit Card once the money from her travel card ran out. Even though she was paying a little more for the currency conversion fee, she only used her card a couple of times to withdraw cash from CBA ATMs and her debit card offered a slightly better rate than her travel card.

Stephanie had her CommBank credit card as a backup and only used it a couple of times on her trip - she paid the remaining balance of her hotel bill and shouted her friends to dinner one night. he paid it off when she got back to Australia (within the 55 day interest free period) and didn't incur any interest charges.

Did you withdraw from ATMs?

Stephanie says she withdrew from Commonwealth Bank ATMs around the Kuta area. When she used her travel card, she only paid a few dollars each time. When she used her debit card to withdraw cash, a currency conversion fee was applied to her transaction.

Were there any places where you had trouble using any of your cards?

Stephanie mainly used cash in Bali. The times she did pay with her card, she was at an upmarket restaurant and major hotel chain.

What's your recommendation for the best form of travel money to take to Indonesia?

Stephanie says one of her friends used the Citibank Plus Transaction Account, and she says she'll get this account next time she travels overseas. Citibank waives the international ATM fee and currency conversion fee and there's no monthly charge to keep the account.

What are your travel money tips for Bali?

She says do your shopping in the morning. The people who sell things at the markets in Bali will give you a better price in the morning compared to in the afternoon.

A guide to Indonesian banknotes and coins

Indonesian banknotes are quite different to those we have in Australia so you may want to familiarise yourself with the notes before heading there:
indonesia-banknotes

Find cash and ATMs in Indonesia

Card acceptance

You will be able to use your existing ATM card in most places where merchants display the same logo as the one on your card. Mastercard and Visa have wide acceptance in Bali.

Cheap ATM withdrawals in Indonesia

Westpac. Westpac Group cardholders (Westpac, St.George, BankSA and Bank of Melbourne) can avoid the international ATM withdrawal fee by using CIMB ATMs throughout Indonesia. The local ATM operator fee may still apply. You can read more about Westpac's International ATM Alliance here.
Commonwealth Bank. CommBank have a presence throughout Indonesia - you can find a concentration of CBA ATMs around Bali, especially Kuta. You can avoid ATM withdrawal fees using CommBank products at these ATMs.
Citibank. You can make free ATM withdrawals using the Citibank Plus Transaction Account at Citibank ATMs in Indonesia. Citibank have an ATM in Kuta.

Get travel insurance quotes for your holiday in Indonesia

Indonesia has proved to be a dangerous destination for Australian travellers. From the dreaded Bali belly to contaminated alcohol, there are many risks lurking just below the surface. This is why travel insurance is so important. Travel insurance can cover:

Cancellations
Repatriation
Lost Deposits

Additional accommodation
Personal liability
Emergency dental and medical

Don't let a hospital stay ruin your holiday. Compare travel insurance for Bali and find the right policy for you.
Find and compare travel insurance policies for Bali

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Indonesia is a favourite for holidaymakers from Australia. Bali is an especially popular spot for Aussies, it is virtually impossible to walk down a beach in Bali without hearing that distinctive Aussie twang. Do your research and save on paying unnecessary fees to your bank.

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Thank you for your feedback!

Written by

Jacob Joseph

Writer

Jacob Joseph was a writer and video journalist for Finder. See full bio

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4 Responses

MareeDecember 17, 2015

Hi I am about to head to Bali and I can’t decided on what to do about money. I am getting all different advice.
I have CommBank MasterCard debit and ANZ visa debt… do I just use them to withdraw cash in Bali or use a prepaid multi-currency cash passport

Thanks

Finder

SallyDecember 18, 2015Finder

Hi Maree,

Thanks for your comment.

The ‘best’ option will always depend on your unique financial situation, your travel budget and spending habits.

If you use a Commonwealth Bank Debit MasterCard, you will be charged overseas currency conversion fees and foreign ATM withdrawal fees. These fees vary depending on the ATM you use, so I have emailed you a copy of the product disclosure statement for further information. Also, the ANZ Visa Debit card unlimited ATM withdrawal offer does not apply to overseas withdrawals.

If you are looking to access your own funds overseas, a prepaid travel money card can be a valuable way to load funds on your card, transfer them to a foreign currency and access your funds overseas without the temptation of a line of credit. Unfortunately, not many Australian travel money cards support Indonesian Rupiah, so you might want to look out for a card that does not charge currency conversion fees. This way you can load your card with Australian Dollars and you won’t incur a fee when they’re transferred to Indonesian Rupiah while you’re travelling.

For example, the Commonwealth Bank Travel Money Card is one of few travel money cards that doesn’t charge currency conversion fees on either supported or unsupported currencies.

Please ensure to read through the relevant product disclosure statement and terms and conditions of the card to ensure that you got everything covered before you travel.

I hope this has helped.

Cheers,

Sally

TanyaAugust 9, 2015

I have a multi currency travel card with Aus dollars on it only. Can the currency be converted into Indonesian currency when I use the card? Or do I have to do something in Australia 1st.

Finder

SallyAugust 10, 2015Finder

Hi Tanya,

Thank you for your comment.

The Multi-currency Cash Passport does not currently support the Indonesian rupiah.

Although you can make payments using the Australian Dollars loaded on your card, you will incur a currency conversion fee of 5.95% plus the MasterCard® rate each time you complete a transaction in Indonesian rupiah.

I hope this has helped answer your question.

Thanks,
Sally

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Travel Money Guide: Indonesia

Get from the beach bar to surfie havens with the right access to your holiday money.