Is this the Ultimate Touron?

So I am sitting in the pizzeria which is my regular local base for “work”.

Or, more accurately, that mixture of social media, gibbering quietly at the parlous wifi and jabbing at the Google Analytics reload button* like a starving lab rat that mysteriously displaces my actual work for, y’know, clients, while I await my spawn’s return from school…

Anywise. I am working. Or consider myself to be so, anyway.

So when a chap comes up to me and asks “Do you speak English?” I am not entirely welcoming.

“Err, yes,” I say.

“Can you help me get some money out of the ATM?”

“Which ATM?” I say.

“The one up there.” He points.

“That one? Just select English as the language when it offers you the choice between that and Indonesian.”

“I don’t think I can do that,” he says.

I am pretty certain that said ATM speaks fluent English. Or Indlish, at least.

“Well, if it doesn’t, try the one in Circle K. Same side of the road, round the bend, a couple of hundred yards,” I say.


He looks at me like a stranded puppy.

“Can you come with me and help me?” he asks. “I need to get some money out before I get my flight. The travel agent said I should take it all out before I get to Sydney. I’m sorry to have to ask…”

I am a muppet when it comes to tech and anything mechanical, so have a degree of empathy with his plight.

“OK,” I say.

Now, Ubud being a safe place, and this being my local, I routinely leave my laptop and camera bag on the table while popping off to the loo or, for that matter, round the corner.

But this feels weird to me. The guy, who is 50ish, has a patterned shirt that isn’t a chain store shirt. He has blue tinted shades. He has a scrawny, strung out, hippie look about him.

And he’s Australian. He’s not some fat Mid-Western tourist fresh off the Eat, Pray, Love solo-friendly bus tour.

He’s not part of a group. He doesn’t have a driver.

If he has the nous to get to Ubud under his own steam, he should be capable of working an English-language ATM.

So I gather up my stuff, leaving only the bike helmet as a sign to the staff that I’ll be back to pay.


I walk with this guy to the ATM, an air-conditioned box which forces one into uncomfortable intimacy with one’s companion. “It’s Visa, right?” I say. “Both these take Visa.”

He endeavours to put the card into the slot where the receipt emerges.

“No,” I say. “The card goes in there.”

He tests it, tentatively. “Yep,” I say. “That’s the right way up.”

In it goes. A screen appears. “Select ‘English’,” I say.

At this point I am beginning to seethe a little.

As I look dutifully away for the geological time span it takes him to locate and enter his PIN, I am thinking of the deadline I need to hit, and how very productively I would be beavering away at it right now, right this second NOW, if only this muppet had not picked me, of all the people in the pizzeria, to assist him with his card travails.

“Now, do I put savings, checking or credit?” he asks.

“Ah!” I say. “That might be the problem. If it’s a Visa, they often like to treat it as credit. Check credit.”

“No,” he says. “It’s savings. I’ll check savings.”

“Ooookkkkkaaaaayyyy,” I say.

Because if there’s one thing I like more than dropping “work” to assist total strangers with basic life skills, it’s having my advice ignored when I do so.

The machine offers him three choices. I nod encouragingly as he tentatively, and agonizingly slowly, selects “Withdraw Money”.

The princely sum of 1,250,000 rupiah, or around 120 Australian dollars, appears on the screen.

“Is that what’s in my account?” he asks.

“No,” I say. “That is the amount this machine will allow you to withdraw in one single transaction. You can withdraw that amount again until you hit your daily limit on the card or there’s no money left in the account.”

He types in the number. All those zeroes are confusing, so I nod approvingly when he gets it right.

The machine spits out an enviable wodge of 50,000 rupiah notes. “What do I do now?” he asks. “Do I count it?”


I am cursed with a very expressive face.

I look like my Polish grandfather, and, like most Slavs, have features that are tailormade for a range of emotions from ineffable contempt to “pistols at dawn” by way of melancholy and bitter, angry drunk.

“What are you going to do if it’s wrong?” I say, in my best British English.

My face, meanwhile, is bellowing (in fluent Polish) “CRETIN! LET ME BACK TO MY VERY IMPORTANT WORK!”

“Ah yes,” he says. “Now how much more can I take out?”

“Like I said,” I begin.

I am by now at that stage familiar to all teleworking parents when childcare or school is about to end, bringing our loved ones back to us, and we count the toll that social media has wreaked on our productivity and search for someone to blame other than ourselves.

“It depends on how much there is in your account. It will let you take out 1,250,000 at a time,” I say, in a controlled manner.

He types in the number. The screen flashes up, in fluent English, “Insufficient funds in your account.”

“That means I can’t take out any more?” he asks.

I begin to wonder whether he is simply taking the piss. But it also seems, well, rude, to abandon him to the machine.

“You have either hit your daily limit for withdrawals or there isn’t enough money in there,” I say.

“How do I find out how much is in there?”

“You will need to ring your bank and ask them,” I say, by now so irritated I am enunciating like the Queen.

“There will be a number on your card,” I add. “Why don’t you try a smaller amount and see if it lets you have that?”

He types in 500,000, and looks at me for approval before entering. I nod.

The computer says no.

“Do you think I’ve taken it all out?” he asks.

My child can work a bloody ATM. Why can’t this man?

And why on earth did he pick me?

“I don’t know,” I say. “But you’re looking at less than fifty Australian dollars now so you can…”


I pause. A thought has struck me. “… You can take it all out when you get to Sydney.”

“Will it work in Sydney?”

I look at his card. It’s a Travelex Visa with an Australian contact number, among others, on the back.

“It should do,” I say. “But if you’re flying to Sydney tonight, what do you want Indonesian rupiah for?”

“Oh yes,” he says. “It’s not dollars, is it? But if I take it all out here, I can change it at the airport. I will be able to do that, won’t I?”

“Yes. They’ll change rupiah at Sydney. You won’t get the best rate…” I begin, then decide to drop the topic. “You’ll be able to change them, yes.”

“And what do I do about the rest of the money?”

“I really suggest you ring the number on the back of the card once you get to Sydney.” I point to the Australian number. “Then you can ask them to refund the balance to your account. Or, of course, you could just use an ATM and see how many dollars it will give you.”

“So I’ve taken it all out?” he asks.

I have had more lucid, less repetitious and infinitely more entertaining conversations while walking people around the garden to talk them down from bad acid trips.

I am beginning to wonder, what with the Bali Spirit festival and all, whether this might, in fact, be the root of the issue. The shirt is loud enough. And he’s of an appropriate vintage…


“I can’t tell you how much there is on your credit card,” I say.

“Why don’t you find out when you get to Australia?”

He thanks me so pitifully for my help that I feel a little unkind writing this.

But, as I head back and resume my work, with that crazed productivity which strikes as the school gates approach, I cannot take my mind off this guy.

And so, gentle reader. Your opinions please.

Scammer, with accomplice ready to lift laptop and camera bag should the table be abandoned for a second, but compelled to go through with the rigmarole and wind me up while he’s about it? Doubtful.

Acid casualty in need of some assistance?

Victim of a wildly inappropriate travel product?

Or the ultimate touron?

I honestly haven’t a clue.


*: Google Analytics magically tells me how many people are reading this site at any given time. It does lovely graphs, and pie charts. Provides elaborate content breakdowns. It is also the biggest time-suck after Facebook and Twitter for anyone endeavouring to work for themselves, wherever they are in the world.

31 Responses

  1. Such a random experience! I think you handled the situation with an admirable amount of patience – I don’t know that I would have been so kind, mostly because I would have assumed it was a scam.

    But it doesn’t seem like it was a scam. Which makes it just plain weird…

    • Theodora says:

      Yes, I couldn’t work it out at all. I thought it might be initially, and now I just don’t know. Maybe he had never been abroad? And only got this credit card for his first trip? But it was his last day, so that doesn’t make any sense either, since he’d presumably used it before.

  2. Akila says:

    This is just a thought . . . . but could it be that he was illiterate? I had something like this happen to me when I was in South Africa. The woman clearly spoke English, had her own ATM card, but had absolutely no idea how to use an ATM card. The bank owners had even written the ATM information for her on a sheet of paper (i.e. PIN number and everything else). At first, I thought she was messing around with me or it was some sort of scam but then when it got to a certain point on the ATM, I asked her which option she wanted and she responded, “What are the options?” I read them out loud to her and then she was picked one. I started reading out the options to her and then she was more comfortable with using the ATM machine —- though she always preferred that I press the buttons for her. I felt incredibly bad and sad for her.

    Or, he could have been on drugs. That seems a likely possibility, too.

    • Theodora says:

      That’s a good point, Akila, and not one I’d considered. A friend’s neighbour back in the UK was illiterate and had all sort of tactics to cover for it, but some things, like benefit forms, she couldn’t cope with. Actually, even for someone not fully illiterate, but not very confident with words, the length of the vocabulary that is used at an ATM could be really challenging, if it’s an unfamiliar one. I suspect you may have hit it. Because he didn’t seem particularly high.

  3. Penny says:

    Oh that was so frustrating even just to read! I’m going to go with too many drugs. Stoner!

    • Theodora says:

      I’m leaning towards illiteracy now, myself. But he could have been stoned. He looked like a stoner. Had the stoner shades, which also meant I couldn’t check his eyes.

  4. how ODD. was your helmet there, when you got back? how can ANYONE be so clueless? it seems like a scam. ugh.

    • Theodora says:

      The helmet was, yes. I will only know if it was a scam if I see him around again. But i don’t think it was. Akila suggested he might be illiterate, which makes some sense (or only borderline literate).

  5. Snap says:

    There is, and always will be, a part of the population, in all countries that will remain technologically challenged (brainless)! Like those who still worry that their faxed document will be lost forever (somehow?) in the phone lines, once sent 😉

    • Theodora says:

      Yes, I’m not the best with faxes &c either. But how someone at *the end* of a trip abroad cannot work a cashpoint, beats me.

  6. The guy may have been a stoner, but – ironically – it is I who needs a joint after getting all frustrated just reading this. I would have probably been overly polite like you, but how irritating!

    May I feign insult for one moment and ask, would this have all made sense if it were a fat midwesterner? Just stickin’ up for the midwest in hopes that the midwest will one day stick up for me.

    • Theodora says:

      LOL. Yeah, that was lazy stereotyping, also wrong for Bali, for that matter (Cancun, yes, Bali no). Sorry, MidWest (and sorry Mr NVR) — please don’t hate me… OK, I guess my point was that Australians generally travel more than Americans, and once you get out of Kuta down south (which is like Cancun for Australians) the few Australians you meet tend to be well-travelled. Actually, most of the coach tours that come through here are Japanese or Korean. So, erm, sorry to all those larger midWesterners out there. I’ll leave you in peace until your fannypack blocks out the light from my view of Chichen Itza again.

  7. Kristy says:

    This cracks me up. But at the same time, only certain members of my family is just a few years ahead in terms of technology.

  8. Sally says:

    I honestly don’t think this could have been a scam because anyone who came up with a scam like this would have thought, “There’s no way in hell someone is going to believe I’m this incompetent.”
    I vote for illiterate or brain dead from too many drugs. I’m, frankly, surprised this man managed to even leave his own house!
    P.S. To backup NVR guys, don’t pick on us fat Midwesterners! (I’m not actually from the Midwest, but my family is… and we do tend to be a plumb lot.) We may like to eat, but we also, as a rule, know how to use ATMs (I mean, we need our money! How else are we going to get food?)

    • Theodora says:

      You’re right, Sally. I do have to be a lot more careful about being rude about different bits of America, not only because I’m British: I lost a valued reader by using the term Appalachian in an, erm, non-geographical sense…

      The problem is, all our offensive inter-British stereotypes are pretty much incomprehensible outside Britain, and, while I have a range of offensive inter-Australian stereotypes I could also deploy (please don’t get me started on the French), they, also, lack the glorious global recognition factor of the poor old MidWest. No more lazy writing for me, no sirree…

  9. Wow…I loved this post and found myself completely baffled by it. What the heck was his deal?? He does sound like a stoner and a scammer. How could anyone be so clueless? Hmmm. Perhaps a partially illiterate stoner who’s a wannabe scammer? LOL

  10. In a way that’s such a typical travel experience, isn’t it. It seems like a scam but you can’t make out how it’s working or what the purpose would be. Makes a good story at least.

    I think it’s great that you took the time and tried to help.

    • Theodora says:

      Thank you. Even though I still do feel a bit bad for writing about him. I think I earned it, by helping him out, though.

      • I hear you. I blogged a sentence or two about someone who came to buy my furniture and felt kind of funny about it. Yours was tale worth telling though.

        • Theodora says:

          Yep. I’m just fairly confident that he won’t any longer be researching cashpoints in Bali.

  11. Scott says:

    Following a 6 week trip through Bolivia and Peru, my camera bag was stolen on my last day. I lost about $1400 in equipment and couldn’t care less – if I could just get the photos back. I was picked clean by a group of 4 pick-pockets. They were a professional ring and had my bag and were gone before I could react. I don’t EVER leave my bag anywhere, even if its in a “safe” area.

    That all said, I think this guy was just a dolt…

    • Theodora says:

      Yeah, I need to be more cautious. Honesty levels are very high in Ubud, as I’ve observed when inadvertently leaving keys in bike and suchlike stereotypical woman driver activities (though at least you can’t leave the lights on all night on a scooter, like you can with a car, or, for that matter, lock the keys in it). But, yeah, leaving thousands of kit lying about is just stoopid. Specially given we’re pathologically under-insured and to insure even approaching properly will cost north of $1000 US for seven months.

      And, you’re right, I think he was nothing more sinister than a) a spectacular dolt and b) a bit stoned.

  12. Scott says:

    I still have yet to figure out what a Touron is, I’ve only recently been introduced with Bogans…

    • Theodora says:

      I think it’s a hybrid of tourist and moron. Bogans? Yeah, you’ll hear a lot about them in the, ahem, classless society of Australia… You must be about ready to go, right?

      • Scott says:

        Visiting family in LA, then to Texas for a week, back to LA for Easter and Perth by first week of May – can’t wait! We call our Bogans “Whisky Tangos.” :-p

  13. jade says:

    your patience deserves a medal!! I would have left him at “there’s the atm”… 🙂

    • Theodora says:

      I’m British! That means I have a terrible fear of being impolite, but major in repressed rage while doing so. Also raised Catholic, so guilt.

  14. Ferfau says:

    As I read your fully posting then I’m wondering that the man with you at that time maybe is a new user of ATM card. But wait, even I operate the machine since I was twelve. Yeah, that is impossible because he truly speak english, he could use the machine without doubt. I don’t know, perhaps that man was drunk. Btw, your patience is totally great! If I were you, I didn’t know how to explain one by one to that man.

    • Theodora says:

      I thought he could be a newbie, too, Ferfau. But then I realised it was the last day of his holiday, so surely he’d taken money out before then? I was a school teacher briefly, when I was 22, so I think that helps when dealing with cretins. Which is, ultimately, what I, and it seems the majority of commenters here, have decided he is.