How to move to Bali
from Finland

Cost of Living: Bali vs. Finland

When comparing the cost of living, Bali presents a significantly more affordable lifestyle than Finland. Your Euro will stretch much further, allowing for a luxurious life that would be financially out of reach in cities like Helsinki. From groceries and dining out to housing and transportation, Bali’s prices are a welcome relief, enabling a higher quality of life for a fraction of the cost.

Source: Numbeo, Cost of living comparison. Checked August 2025.

Climate in Bali vs. Finland

The climate is one of the most striking differences between Bali and Finland. While Finland experiences four distinct seasons, including long, cold winters, Bali offers a consistently warm and tropical climate year-round. Say goodbye to snow boots and endless layers; in Bali, every day is a summer day, perfect for enjoying the beaches, rice paddies, and outdoor activities that define the island’s lifestyle.

Social life in Bali for Finns

Moving to a new country can be an adventure, and building a social life is a key part of making Bali feel like home. The island’s cosmopolitan and welcoming community makes it easy to connect with others, whether you’re looking to meet fellow Finns or people from around the globe.

How Finns can thrive socially in Bali

Finns can thrive socially in Bali by embracing the island’s diverse community and endless opportunities for connection. The welcoming nature of the Balinese and the large international community mean you’ll find friends with similar interests, from wellness and yoga to business and entrepreneurship. In 2023, Bali welcomed 21,399 tourists from Finland, demonstrating a growing Finnish presence on the island that makes it easier to find a familiar face.

How Finns can find social life in Bali

There are numerous avenues for Finns to find a vibrant social life in Bali. Co-working spaces and trendy cafes are excellent places to meet digital nomads and entrepreneurs from around the world. Look for Finnish-run businesses or cultural clubs that cater to the Nordic community. Engaging in volunteer groups, joining sports teams, or participating in fitness and wellness classes are also great ways to connect with like-minded individuals and build lasting friendships.

Facebook groups for Finns in Bali

Facebook groups are a fantastic resource for connecting with other Finns in Bali. These groups serve as virtual community hubs where you can ask for advice, share tips, and organize meetups. Here are a few examples of groups you might find helpful:

• Suomalaiset Balilla – A community for Finns in Bali to share tips, connect, and find answers by browsing past posts.
• Suomalaiset Indonesiassa – A space for Finns in Indonesia to discuss, in clear Finnish, the challenges and ease of living or working in the country.

Bali Visa Options for Finns

Navigating the Indonesian visa system is a crucial step for any Finn planning a move to Bali. The visa you choose will depend on the duration of your stay and your purpose for being on the island, whether for tourism, remote work, or business.

Do Finns Need a Visa to Enter Bali?

As a Finnish citizen, you will need a visa to enter Bali. The most common entry options are the Visa on Arrival (VoA) or a single-entry visa, which you can apply for before your trip. For longer stays, there are specific visas designed for remote workers, investors, and retirees.

Recommended visas for stays of less than 180 days

For Finns planning a stay of less than six months, several visa options are available. The B1 Visa on Arrival allows for a stay of 30 days and can be extended once for another 30 days. If you want to stay for a more extended period, the C1 Single Entry Tourist Visa offers a 60-day stay and can be extended twice for 60 days each, allowing for a total of up to 180 days. For business purposes, the D1 Multiple Entry Tourist Visa provides a 60-day stay per visit and can be extended twice, allowing for up to 180 days per visit. The C12 Single Entry Pre-Investment Visa is for investors who want to do field surveys and feasibility studies, and it is valid for 180 days and can be extended once for another 180 days.

Recommended visas for stays of more than 180 days

For those considering a long-term relocation, several visas offer a stay of more than 180 days. The E33G is for remote workers who are employed by a company outside of Indonesia. The E28A is an Investor KITAS for foreigners investing in an Indonesian company, allowing for a stay of up to two years. The E23 is a Working KITAS for foreign nationals working for an Indonesian company and receiving compensation. Lastly, the E33F Retirement KITAS is for individuals over 60 years old who intend to retire in Indonesia and can show proof of sufficient funds to support their stay.

Advantages of a KITAS

A KITAS (Kartu Izin Tinggal Terbatas) is a temporary stay permit that offers numerous benefits for long-term residents. With a KITAS, you can open an Indonesian bank account , purchase a vehicle in your own name , and access Indonesia’s social security system, BPJS Health. It also allows you to obtain a local tax ID (NPWP) , travel in and out of Indonesia without a visa , and sponsor eligible family members. After five years of holding a KITAS, you may even be eligible for permanent residency (KITAP). Many local businesses also offer discounts to KITAS holders.

Using a Visa Agency vs. Doing It Yourself

While it’s possible to handle the visa application process yourself, many expatriates, especially those new to Bali, choose to use a visa agency. A reputable agency can simplify the process, ensure all paperwork is correct, and save you valuable time and stress. They can provide expert advice and help you navigate the complexities of Indonesian immigration law, making your move smoother and more efficient.

Healthcare for Finns in Bali

Understanding the healthcare landscape in Bali is essential for a worry-free relocation. While the system may differ from Finland’s public healthcare, Bali offers a range of options from local clinics to international hospitals.

Public vs. Private Healthcare in Indonesia

Indonesia has a public healthcare system, BPJS Kesehatan, which is accessible to KITAS holders. However, many expatriates prefer to use private hospitals and clinics, which often provide a higher standard of care, modern facilities, and English-speaking staff. While the quality of private care is generally excellent, it is important to have good health insurance to cover the costs.

Recommended Hospitals and Clinics in Bali

Bali has several reputable private hospitals and clinics catering to the expatriate community. BIMC Hospital and Siloam Hospital are two of the most well-known, offering a wide range of services, including emergency care. For more minor issues, there are numerous private clinics scattered throughout the popular expat areas.

Health Insurance Options

Health insurance is highly recommended for anyone moving to Bali. You can choose from international plans that provide comprehensive coverage both in Bali and abroad, or local private plans that are often more affordable but may have more limited coverage. Ensure your policy covers medical evacuation, which can be crucial in the event of a serious health issue.

Pharmacies & Medication Access

Pharmacies are widely available in Bali, especially in major towns like Canggu, Seminyak, and Ubud. Common medications are easy to find, and many pharmacists are able to speak English. If you require specific prescription medication, it’s advisable to bring a supply from Finland or check with a local doctor to ensure availability.

Common Health Concerns in Bali

Living in a tropical climate means being aware of certain health concerns. Dengue fever, a mosquito-borne illness, is a possibility, so using repellent and mosquito nets is wise. Other common issues include food and water-related illnesses, such as “Bali belly.” Practicing good hygiene and being mindful of what you eat and drink can help prevent these issues.

Emergency Services & What to Do

In case of a medical emergency, you can call the general emergency number 112, but it’s often more reliable to call a private hospital directly. It is a good practice to have the phone numbers for a few recommended hospitals saved in your phone and know the location of the nearest clinic or hospital to where you live.

Driving in Bali as a Finn

Getting around Bali can be an adventure in itself. While the driving culture is different from Finland’s orderly roads, understanding the local rules and customs is key to a safe and enjoyable experience.

Driving Culture in Bali vs. Finland

Driving in Bali is a world away from the calm, traffic-light-regulated roads of Finland. The flow is often more chaotic and spontaneous, with scooters weaving through traffic and a heavy reliance on honking as a form of communication. Patience and a proactive, defensive driving style are essential.

License Requirements

To legally drive a scooter or car in Bali, you will need an International Driving Permit (IDP) along with your valid Finnish driver’s license. The IDP translates your license and is a requirement to avoid potential fines or issues with the local police.

Scooter vs Car – What Should You Use?

For most daily commutes, a scooter is the most popular and efficient mode of transport in Bali. It allows you to navigate the narrow roads and congested traffic with ease. For families or those who prefer more comfort and safety, a car is a good option, although it can be more challenging to park and drive in busy areas.

Traffic Rules

While traffic rules exist, they are often seen as more of a guideline than a strict law. Be aware of the local customs, such as giving way to larger vehicles and the unwritten rule of “whoever is bigger goes first.” Always wear a helmet on a scooter, as it’s mandatory and important for your safety.

Insurance & Liability

Vehicle insurance is available but is often limited. When renting a vehicle, always check the insurance policy and what it covers. For longer-term stays or if you own a vehicle, it is recommended to get comprehensive local insurance to protect against damage and liability.

Road Hazards

Be mindful of the road hazards in Bali, which can include potholes, stray dogs, and unexpected stops by other drivers. Rain can also make the roads slick, so drive with caution during the wet season.

Renting or Buying a Vehicle

For short-term stays, renting a scooter or car is the easiest option. For long-term residents, buying a vehicle can be more cost-effective. As a KITAS holder, you can buy a car or scooter in your own name, which simplifies the process.

Schools in Bali for Finns

If you are moving to Bali with your family, finding the right school for your children is a top priority. Bali offers a variety of educational options, from traditional international schools to alternative learning environments.

Types of Schools in Bali

Bali’s educational landscape is diverse, including traditional international schools that follow specific curricula (e.g., British, American, or Australian), national schools, and alternative or progressive schools like Waldorf or Montessori. Each offers a different approach to education, so it’s important to research what best suits your family’s needs.

Popular International Schools Among Expat Families

Several international schools are popular among expatriate families, including Finns. Green School is known for its eco-friendly, holistic curriculum. Australian Independent School (AIS) Bali follows the Australian curriculum. Canggu Community School (CCS) offers an International Baccalaureate (IB) program. These schools provide a high standard of education and a multinational environment that can help children transition smoothly.

Homeschooling in Bali

Homeschooling is a popular option for many expat families in Bali. The community is large and well-organized, with numerous co-ops and groups that provide support, resources, and social opportunities for homeschooled children.

Kindergartens and Preschools

For younger children, there are many excellent kindergartens and preschools, often with a focus on play-based learning and an international community. The Garden Early Learning Centre and Montessori School Bali are two well-regarded options.

School Life in Bali: What to Expect

School life in Bali is often more relaxed than in Finland. The environment is generally more outdoorsy and nature-focused, and many schools incorporate Balinese culture into their curriculum. This provides a unique and enriching experience for children, fostering a global perspective.

Accommodation in Bali for Finns

Finding a place to live is a key step in your move. Bali offers a wide range of accommodation, from modern villas to traditional homes, catering to all budgets and lifestyles.

Best Areas to Live for Finnish Expats

The best area for you will depend on your lifestyle. Canggu is popular with digital nomads and young families, offering a trendy vibe with great cafes and co-working spaces. Ubud is the cultural heart of the island, perfect for those seeking a more serene, spiritual, and artistic community. Sanur is a quieter, more relaxed area, popular with older expats and families.

How to Find a Place to Live

The most common way to find a place to live is through local real estate agents or online property portals and Facebook groups. Visiting the island beforehand to scout different areas is highly recommended to get a feel for the neighborhood and inspect properties in person.

Short-Term vs Long-Term Rentals

For your initial move, a short-term rental is a good option to give you flexibility while you search for a long-term home. Once you are settled, a long-term rental (usually a lease of one year or more) will be more cost-effective.

Costs and What’s Included

Rental costs in Bali vary significantly based on location, size, and amenities. A basic apartment or a small villa can be quite affordable, while a luxurious villa in a prime location can be expensive. Always clarify what is included in the rent, such as utilities, pool maintenance, and internet.

Working With an Agent vs Direct

Working with a reputable real estate agent can simplify the rental process, especially for long-term leases. They can help you with legal paperwork and negotiations. However, it’s also possible to find properties directly from owners, particularly in local communities or through social media.

Legal Considerations

It is important to have a clear rental contract that outlines all terms and conditions, including payment schedules, responsibilities, and termination clauses. If you are signing a long-term lease, it is highly recommended to have a lawyer or a trusted local agent review the contract to protect your interests.

Checklist for Finns Moving to Bali

Here is a comprehensive checklist to ensure a smooth and organized move from Finland to Bali.

Visa & Legal Documents

• Research and apply for the appropriate Indonesian visa.
• Check your passport’s validity (at least six months beyond your planned stay).
• Gather essential documents: passport, visa approval, photos, and birth certificates.
• Get an International Driving Permit (IDP).

Health & Insurance

• Arrange comprehensive health insurance, including medical evacuation.
• Visit your doctor for a check-up and to get any necessary vaccinations.
• Fill any necessary prescriptions and bring a supply for your initial stay.
• Pack a basic first-aid kit with tropical-specific items like mosquito repellent.

Phones & Connectivity

• Unlock your phone before you leave Finland.
• Purchase a local Indonesian SIM card upon arrival.
• Set up an international roaming plan for your initial period if needed.

Accommodation

• Secure a short-term rental for your first few weeks.
• Research long-term living areas that suit your lifestyle.
• Be prepared to pay a deposit and a few months’ rent upfront.

Finances & Banking

• Notify your Finnish bank of your move and check for international transaction fees.
• Set up a local Indonesian bank account once you have your KITAS.
• Research international money transfer options.

Driving & Transport

• Decide whether you’ll rent or buy a scooter or car.
• Familiarize yourself with Bali’s driving culture.
• Always wear a helmet when on a scooter.

Packing Essentials

• Pack light, breathable clothing suitable for a tropical climate.
• Bring essential electronics and converters for Indonesian power outlets.
• Pack any personal items from Finland you can’t live without.

If You’re Moving With Kids

• Research and contact international schools or homeschooling communities.
• Obtain school records and transcripts from their previous school in Finland.
• Prepare your children for the cultural and environmental changes.

Mental & Cultural Preparation

• Learn some basic Indonesian phrases.
• Read up on Balinese culture and customs.
• Be prepared for a slower pace of life.

Miscellaneous

• Arrange for mail to be forwarded.
• Make copies of all important documents.
• Inform friends and family of your move and new contact details.

FAQ for Finns Moving to Bali