Traveller, don't bring your money to Indonesia

This article based on my experience during visited Indonesia November until December last year.

The case is; i live and work in Germany, i want to make holiday to Indonesia, i have a bank account in Germany, i don't have a credit card and i don't like to bring cash with me.

After everything was OK (Flight ticket, etc... mmm... i don't need Indonesian Visa, i think, as long as i am an Indonesian, lol!) then i asked to my bank what should i do in this case. The easiest way, they offer me to request a credit card by them. I disagree with this way. Then they suggest me to buy Travel Check from them, i said i don't like very much to use travel check.

She asked me if there is a cirrus or maestro Logo on my Debit card, yes, i saw Cirrus standing there and then she said, "Just easy, go to Indonesia, use your card to ATM Machine there which accept Cirrus Logo"

"Just easy like that? are you sure?" I asked her. And she said it is so, no need to worry about it.
I asked her if it is so, why she offered me to request a credit card and travel cheque before. She laughed, "I only tried to sell our service to you, Mr. Vater...!"

Came in Cengkareng airport, which is international airport in Jakarta, i looked around to find ATM machine. Well there were ATM center in the corner with lot of machines from different banks. I choice one, BCA ATM with CIRRUS logo standing there - Which i familiar with this bank few years ago during i lived here -

"We are sorry, we're unable to process your transaction." On screen. No money came out, but my card.

Scheiße... i don't have money anymore, only some euros in my pocket, how can i explore this my own country without money? should i go to my mother and ask for money?

Try to the next machine, BNI ATM with Cirrus Logo, inserted my card, then PIN number, then choice how much will i take.... Hurray...! i get money! in Rupiah! Not Euro anymore!

Back to Germany, received transaction report from my bank, i recognised that the exchange rate from Euro to Rupiah with this Cirrus much better that I've got from money changer there. And charged only 4€ per transaction.

Note: I should change my title above with "traveller, don't bring your cash to Indonesia" with sub title "bring your Debit Card instead"

Here is link from Maestro card to find ATM location worldwide