How to Build a Life in Bali as an Expat

Bali, Indonesia, has long been a haven for travelers seeking natural beauty, spiritual enrichment, and a slower pace of life. In recent years, it has also become a popular destination for expatriates looking to build a new life abroad. Whether you’re a digital nomad, entrepreneur, retiree, or remote worker, Bali offers a unique blend of tropical living, cultural richness, and modern amenities. This comprehensive guide explores the essential aspects of establishing a fulfilling life in Bali as an expat.

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🌴 Why Choose Bali?

1. Affordable Cost of Living

One of the most compelling reasons to move to Bali is the affordable cost of living. Many expats report significant savings compared to their home countries. For instance, a couple from the UK now pays just £225 per month for a one-bedroom cottage in Canggu, with meals as cheap as £2.20. They also enjoy access to tropical-themed co-working spaces and wellness facilities for £120 monthly.

2. Thriving Expat Communities

Bali boasts vibrant expat communities, particularly in areas like Canggu, Ubud, and Seminyak. These communities offer a supportive network for newcomers, with numerous cafes, coworking spaces, and social events that facilitate connection and integration.

3. Rich Cultural Experience

Living in Bali provides an immersive cultural experience. The island’s traditions, festivals, and daily rituals offer a unique opportunity to engage with and appreciate Balinese culture. From temple ceremonies to traditional dance performances, there’s always something to learn and experience.

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🛂 Legal Requirements for Expats

1. Visa Options

To reside in Bali legally, expats must obtain the appropriate visa. Options include:

• Social-Cultural Visa (KITAS): Allows stays of up to six months and can be extended.
• Retirement Visa: Available to those 60 years or older with proof of sufficient income and health insurance.
• Remote Worker Visa: Introduced in 2021, this visa allows remote workers to live in Bali tax-free for up to five years, provided they meet certain financial criteria.

2. Work Permits

Expats intending to work in Bali must obtain a work permit (IMTA), typically sponsored by an employer. Freelancers and entrepreneurs may need to establish a business entity, such as a PT PMA (foreign-owned company), to legally operate.

3. Property Ownership

Foreigners cannot directly own property in Bali. However, they can lease land for extended periods (up to 25 years) or establish a PT PMA to acquire property rights.

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🏡 Finding Accommodation

Bali offers a wide range of accommodation options, from budget-friendly homestays to luxurious villas. Popular areas among expats include:

• Canggu: Known for its surf-friendly beaches, trendy cafes, and vibrant nightlife.
• Ubud: Offers a serene environment with a focus on wellness and spirituality.
• Seminyak: Features upscale dining, shopping, and beach clubs.

Rental prices vary depending on location and amenities. For example, a two-bedroom villa with a private pool and reliable WiFi can cost around $1,800 per month.

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💼 Employment and Business Opportunities

Many expats in Bali work remotely, run online businesses, or are employed in the hospitality and tourism sectors. The island’s growing startup scene is supported by numerous coworking spaces and networking events.

Starting a Business

Expats can establish a business in Bali by setting up a PT PMA, which allows for 100% foreign ownership in certain sectors. This process involves registering with the Indonesian Investment Coordinating Board (BKPM) and meeting minimum investment requirements.

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🚗 Transportation

Motorbikes are the most common mode of transportation in Bali. They offer flexibility and are cost-effective. However, it’s essential to have a valid international driving permit and adhere to local traffic laws for safety.

Ride-hailing apps like Gojek and Grab are also widely used for short trips and deliveries.

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🏥 Healthcare and Insurance

Bali has several international-standard hospitals and clinics, particularly in Denpasar and Ubud. Expats are encouraged to have comprehensive health insurance, as medical costs can vary. For long-term residents, registering for Indonesia’s national health insurance program, BPJS, is advisable, though many supplement it with private insurance for broader coverage.

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🧘‍♀️ Lifestyle and Wellness

Bali is renowned for its wellness offerings, including yoga retreats, meditation centers, and holistic health practices. Many expats find that the island’s tranquil environment supports a balanced and healthy lifestyle.

Additionally, the concept of Tri Hita Karana—the Balinese philosophy of harmony with God, people, and nature—permeates daily life and encourages a sustainable and community-oriented way of living .

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🧳 Tips for a Smooth Transition

• Learn the Language: While English is widely spoken in tourist areas, learning basic Bahasa Indonesia can enhance your experience and help in daily interactions.
• Embrace the Culture: Participate in local ceremonies, try traditional foods, and respect cultural norms to foster positive relationships with locals.
• Network: Join expat groups on social media platforms, attend local events, and engage in community activities to build a support network.
• Plan Finances: Set a budget, understand the cost of living, and ensure you have a reliable income source to maintain financial stability.

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📌 Final Thoughts

Building a life in Bali as an expat offers a unique opportunity to experience a rich cultural tapestry, a supportive community, and a balanced lifestyle. With careful planning and an open mind, Bali can become a fulfilling home away from home.