Fiji is a tropical paradise with clear blue water, lush beaches, and friendly people. It is important to know how to get cash when you are living in an overwater bungalow, diving in the world-famous coral reefs, or visiting traditional Fijian villages. Resorts and cities accept credit cards, but you will still need cash in more remote places. Withdrawal fees, transaction limits, exchange rates, and card acceptance are just some of the things that this guide covers about cash and ATMs in Fiji. It will help you have a smooth island journey.
Where can I find an ATM in Fiji?
Urban Areas: There are a lot of ATMs in cities like Suva, Nadi, and Lautoka, especially in the city centers, shopping malls, and near bank branches. Wide networks of ATMs run by banks like Bank of South Pacific (BSP), ANZ, and HFC Bank cover these towns.
Many popular tourist spots, like Denarau Island, Coral Coast, and Pacific Harbour, have ATMs, especially in resorts, hotels, and shopping areas.
Rural Areas: It is hard or impossible to get to an ATM in towns and islands that are far away. When travelling to these areas, it is important to bring enough cash with you.
Best ATMs to use in Fiji for foreigners
The best ATMs for foreigners to use in Fiji are those owned by popular banks such as:
- BSP
- Bank of Baroda
- ANZ Bank
- BRED Bank
There is a Global ATM Alliance member bank – Westpac which allows fee-free withdrawals for member banks in Fiji.
Don’t accept conversion at ATMs and withdraw only in local currency
There are some ATMs in Fiji that may ask if you want to accept or decline the conversion. This is also known as “With or Without Conversion” or “Charge in FJD.”
- If you press “Accept,” the ATM will change your money at the rate that it sets. You will also have to pay the ATM an extra fee for this.
- If you choose “Decline,” the ATM will use the standard exchange rate for that bank or card (Visa, Master, etc.).
So, choose “Decline/Without” Conversion or “Charge in FJD” to avoid extra fees.
Can I use a foreign debit or credit card at an ATM in Fiji?
Yes, there are a lot of ATMs in Fiji that take debit and credit cards issued in other countries. ATMs commonly accept Visa, Mastercard, Maestro, Plus, Cirrus and UnionPay cards. They don’t usually accept others like JCB, Amex, Diners, Discover and Rupay cards.
ATM opening hours
General Availability: Most ATMs in Fiji are open 24 hours a day, seven days a week. This is especially true for those not inside bank offices.
ATMs in bank branches: Usually, you can use an ATM inside a bank during the bank’s business hours, which are Monday to Friday from 9:30 AM to 4:00 PM.
What are ATMs called and what language options do they have?
You can identify by looking for the word ‘ATM’ or signage of the bank name only.
ATMs primarily operate in English. Some ATMs may also offer Fijian and Hindi. If you’re not familiar with these languages, using live translation via Google Translate’s camera function can be helpful; however, try cautiously as translations may not be perfect.
What currencies can I withdraw from ATMs
ATMs dispense cash only in the local currency, Fijian Dollar (FJD).
ATM withdrawal limits in Fiji?
ATMs in Fiji have a maximum withdrawal limit per transaction of F$ 400 to F$ 1,500, with most common being F$ 1,000 (Fijian Dollars F$). Most ATMs typically do not have daily withdrawal limits so you can use the ATM multiple times if you need to withdraw more cash. Only one ATM limits the daily withdrawal limit to F$ 1,500.
ATM Fees in Fiji
There is only 1 fee-free ATM in Fiji. Most other bank ATMs in Fiji charge ATM Access Fees of FJD 10 or FJD 15 per transaction to foreign card holders.
Apart from ATM Access Fees, there can be other potential charges to withdraw cash in Fiji. These are:
1. The ATM’s Currency Conversion Charges (Accept or Decline Conversion)
2. Your Bank’s forex charges to use your card at an ATM abroad.
How to avoid high fees when withdrawing cash in Fiji
Use lower-fee ATMs in the country.
Use the ATM Fee Saver app for fee-free or low-fee ATMs.
Choose Decline Conversion or Without Conversion during transactions.
Get fee-free cards from your home country.
For more in-depth insights and alternative methods, check out our detailed article, Withdrawing cash abroad? 9 best ways to save foreign ATM fees.
Ways to find fee-free ATMs
Discover fee-free and low-fee ATMs in Fiji on the ATM Fee Saver mobile app for iOS and Android. This app provides ATM PINs and details of leading bank ATMs such as ATM fees and withdrawal limits for foreign cardholders at ATMs in Fiji. Moreover, its simple fee calculator helps you find exact withdrawal charges. You can also find cash tips and tricks on the app for 160+ countries including Fiji.
Safety at ATMs
Fiji is safe for tourists, but petty crime can happen. Use ATMs in bank branches, hotels, or busy areas during daylight. Stay aware of your surroundings and avoid showing a lot of cash. Monitor bank statements for unauthorized transactions.
FAQs
What to do if an ATM takes your card?
If an ATM in Fiji keeps your card, please contact the bank if you used an ATM within a bank branch. They may be able to retrieve your card upon presentation of proof of identity. Alternatively, you can reach out to the bank’s helpline; however, they only retrieve and resend new cards for their own customers. In such cases, you will need to contact your own bank to request the delivery of a new card either to your home address or abroad.
Fee-free ATMs and possible to withdraw cash free of cost at ATMs in Fiji?
Yes, there is 1 fee-free ATM in Fiji. However, it is only available at a handful of locations.
Foreign cards from US, UK, India, China, Europe, Australia accepted?
Yes, you can use cards from the US, UK, Europe, Australia, and other countries at ATMs in Fiji depending on the card type.
Bitcoin ATMs
Currently, there are no reported Bitcoin ATMs in Fiji. Cryptocurrency adoption is still in its first stages in the country.
Foreign bank ATMs’ presence in Fiji
Bank of America: No, there are no Bank of America ATMs here.
Citibank: No, Citibank does not operate ATMs here.
Barclays: No, Barclays does not have ATMs.
HSBC: No, HSBC does not operate ATMs.
Standard Chartered: No, Standard Chartered does not have ATMs here.
