Ubin is comparatively undeveloped, with just a few homesteads, a spectacular disused quarry and some orchid gardens and fish farms. The real attraction however, is riding beneath the jungle canopy trying to avoid the minefields of fallen coconuts on your way to the refreshment stall which sells hot, sweet malay-style coffee. The cycle tracks are not very well marked, though a rudimentary system of roads will get you to the major points of interest. Availability of ATM's 2. But it is sometimes hard to find one that is working and actually still has money in it.
Taxis are no problem, just make sure they use the meter or agree on a price before hand.
Whether you need a package and the cost of accomodation depends on your real wanderlust or better still, Abenteuerlust. Bali is a great place. But if you can't find one, Bank Danamon will take Visa and Mastercard over the counter. It takes a while but usually works. It maybe worth hiring a Jimney to go round the island, if you don't fancy bemos.