Samoa’s stunning tropical landscapes, rich Polynesian culture, and warm hospitality make it a dream getaway, where understanding money matters ensures a stress-free trip. Whether you’re relaxing on pristine beaches, exploring lush rainforests, or experiencing a traditional Fiafia night, this guide covers everything you need to know—what currency to bring, the best ways to get money and currency in Samoa (Samoan Tala (WST)), cash safety tips, and essential dos and don’ts. With these insights, you’ll avoid unnecessary fees and fully embrace Samoa’s laid-back island charm.
How to pay in Samoa – cash or card?
In Samoa, cash is the predominant method of payment, especially in rural areas and for small transactions. The official currency is the Samoan Tala (ST$).
You can use cash for:
- Local Markets and Small Shops: Many vendors at markets and smaller establishments prefer cash transactions.
- Public Transportation: Buses and taxis typically operate on a cash-only basis.
- Entry Fees: Visiting beaches, natural attractions, and some cultural sites often requires cash payments.
You can use cards for:
- Hotels and Resorts: Most major accommodations accept credit and debit cards.
- Restaurants and Cafés: Urban dining establishments may accept card payments, though it’s advisable to carry cash as acceptance varies.
- Retail Stores: Larger shops and supermarkets in urban areas may accept cards, but smaller retailers often prefer cash.
In summary, while card payments are possible in certain urban establishments, carrying cash is essential for most transactions in Samoa, particularly in rural areas and for small-scale purchases.
What’s the best currency to take to Samoa
Samoan Tala (WST) is typically the best currency to take if you are traveling to Kazakhstan. Paying or withdrawing cash in the local currency comes with the least amount of fees, sometimes fee-free too. Some accept US Dollars but exchange rate might not be favorable.
While credit and debit cards are widely accepted, especially in urban areas, some rural regions and smaller establishments may prefer cash payments. Therefore, it’s advisable to carry some WST in cash to avoid inconveniences.
Other currencies, such as Euros or British Pounds, are not widely accepted here.
Where to get currency in Samoa
There are 3 main ways to get cash in Samoa. They are:
- ATMs, or
- Currency exchange, or
- Money transfer & local pick-up
Types of cards to swipe in Samoa
Visa and Mastercard transactions are commonly accepted for swiping. You might also find some places that accept Amex and other cards, albeit less frequently.
Types of cards at ATMs in Samoa
If you’re withdrawing money in Samoa from an ATM, ATMs commonly accept Visa, Mastercard, Maestro, Plus, Cirrus cards. Note – some bank ATMs accept only Mastercard.Some of them accept UnionPay cards. Others like American Express, Diners, Discover and Rupay cards are generally not accepted.
Should I exchange money before travelling to Samoa
It’s a good idea to bring a small amount of Samoan Tala (WST) before traveling for immediate expenses like taxis, tips, or small purchases. However, foreign exchange rates outside Samoa are often less favorable, and Tala may not be available at all foreign banks.
A more practical approach is to withdraw WST from ATMs upon arrival. ATMs are available in Apia, the airport, and some major hotels, but they may be limited in rural areas. Most ATMs accept Visa and Mastercard, though international withdrawal fees may apply. Cirrus, Plus, and Maestro cards may not always be accepted, so check with your bank.
If you need to exchange cash, it’s best to do so at banks or authorized exchange bureaus in Apia, as they offer better rates than airports or hotels. Major foreign currencies like USD, AUD, and NZD are the easiest to exchange.
Carrying a mix of cash and cards is advisable. Credit and debit cards are accepted at hotels, larger restaurants, and shops, but cash is essential for local markets, taxis, and smaller businesses, especially outside the capital.
Where to withdraw money in Samoa
You can withdraw money in Samoa at leading bank ATMs in the country. The best ATMs for foreigners to use in Samoa are those owned by popular banks such as:
- Bank of South Pacific,
- ANZ, and
- National Bank of Samoa.
There are other banks with ATMs that also accept international debit and credit cards.
There are no known Global ATM Alliance member banks or All Points network banks in Samoa.
Where to exchange currency in Samoa
There are not a lot of options in Samoa for currency exchanges. You can exchange currency in Samoa at the small number of licensed currency exchange offices and banks branches in the country.
- Currency Exchange Bureaus: Dedicated currency exchange services are available, such as No.1 Currency (Fexco).
- Banks: Major banks in Samoa offer currency exchange services. Notable ones include ANZ Bank, Bank of the South Pacific (BSP) and National Bank of Samoa (NBS)
You can find good currency exchanges in Samoa using the ATM Fee Saver app—it will guide you to the nearest currency exchange on the map. The app helps you with forex places in 100+ countries, including Samoa.
Avoid Airport Exchanges and no-fee exchange offices: Currency exchange services at airports often have less favorable rates and higher fees. It’s generally better to exchange money in the city for better rates and lower charges.
Is carrying cash in Samoa safe?
Carrying cash in Samoa is generally safe, but standard precautions are advisable. While serious crime is low, petty theft can occur. To minimize risks:
- Carry only necessary amounts: Bring only the cash you need for daily expenses.
- Use secure storage: Keep valuables, including passports and large sums of money, in a hotel safe or another secure location.
- Be discreet: Avoid displaying cash and valuable items in public.
- Stay vigilant: Be aware of your surroundings, especially in crowded places and tourist areas.
- Avoid walking alone at night: Stick to well-lit, populated areas and consider traveling in groups after dark.
Additionally, visitors should declare amounts over WST 20,000 when they arrive and depart; this covers all forms of currency, not only cash.
Is it better to use debit or credit cards or pay by cash in Samoa
Use a card if it is fee-free i.e. your bank does not charge any fees to swipe the card, when the merchant / POS also does not impose any extra charge to use a card, you need to use the insurance of the card, don’t want to block cash of large purchases and card’s swipe fees are lower than withdrawal fees.
Pay by cash by withdrawing cash from ATM or exchanging currency where – fees on ATM withdrawals are lesser than fees on swiping cards, you don’t want to leave any digital footprint of your expenses, it is convenient and easier to conduct transactions.
