USD/IDR remains sensitive to global rates, travel seasonality, and local cash demand in Bali. During high tourist flow, branches with strong liquidity usually keep tighter spreads.
Q1 often starts with mixed signals: holiday cash demand may stay high while global macro headlines drive intraday volatility.
If you exchange a larger amount, split it into two steps: part now and part after short monitoring. This reduces timing risk without overcomplicating your trip.
Use daily planning: define your target amount, monitor two trusted branches, and execute in the most stable window.
Always compare net result, not headline board value. Service transparency, receipt quality, and branch reputation matter as much as a small rate difference.
For reliable execution, use licensed exchange points, verify total before confirmation, and keep your receipt until the trip ends.