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    ATM Fee Guide
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    ATM Fees in Antigua & Barbuda

    East Caribbean Dollar (XCD) • Updated April 2026

    Antigua & Barbuda uses the East Caribbean Dollar, though USD is widely accepted. As a popular tourist destination, ATMs are available in St. John's and tourist areas. Card acceptance is good in resorts and tourist zones.

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    Tips for Antigua & Barbuda

    • • USD is accepted everywhere at roughly 2.7 XCD = 1 USD
    • • Get change in XCD when paying with USD
    • • ECAB and CIBC Caribbean have the most ATMs
    • • ATMs dispense XCD - specify amount carefully
    • • Cruise port area has multiple ATMs
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    Airport tips

    • • V.C. Bird Airport has ATMs and currency exchange
    • • Airport exchange rates are reasonable for Caribbean
    • • Taxis from airport are fixed rate - cash or card accepted
    • • Many resorts offer airport transfers
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    Don't forget your home bank fees

    The fees shown above are charged by local ATMs. Your home bank may also charge additional fees for international withdrawals (typically 1-3% + a flat fee). Check with your bank before traveling.

    Estimated daily expenses

    How much cash you might need per day in Antigua & Barbuda, per person.

    Your currency:

    Backpacker

    Hostels, street food, public transport

    310-610

    XCD/day

    🏨 Accommodation150-300
    🍜 Food & drinks80-150
    🚌 Transport30-60
    🎟️ Activities50-100

    ≈ $114-225 USD

    Mid-range

    Hotels, restaurants, mix of transport

    830-1,600

    XCD/day

    🏨 Accommodation400-800
    🍜 Food & drinks200-350
    🚌 Transport80-150
    🎟️ Activities150-300

    ≈ $306-591 USD

    Luxury

    Premium hotels, fine dining, private transport

    2,200-4,900

    XCD/day

    🏨 Accommodation1,200-3,000
    🍜 Food & drinks400-700
    🚌 Transport200-400
    🎟️ Activities400-800

    ≈ $812-1,809 USD

    Cash vs card acceptance

    Where you'll need cash and where cards work in Antigua & Barbuda.

    Credit card acceptance

    Good

    Card acceptance is good in tourist areas, resorts, and St. John's. USD is widely accepted as alternative to cards. Local shops and beach vendors often prefer cash.

    Regional differences

    • • St. John's: Good card acceptance in shops and restaurants
    • • Resorts and tourist areas: Excellent card acceptance
    • • Local villages: Cash preferred (XCD or USD)
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    You'll need cash for

    • • Beach bars and vendors
    • • Local markets
    • • Small local restaurants
    • • Taxi tips
    • • Some water sports operators
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    Cards usually accepted

    • • All resorts and hotels
    • • Tourist restaurants
    • • Supermarkets
    • • Rental car agencies
    • • Major attractions

    💰 Cheapest banks for foreign cards

    These banks charge the lowest fees for withdrawals with foreign cards.

    BankATM FeeEst. CostBranches
    ECAB (Eastern Caribbean Amalgamated Bank)10 XCD~3.75 USD5
    CIBC Caribbean12 XCD~4.50 USD4
    ABIB (Antigua Barbuda Investment Bank)15 XCD~5.55 USD3
    ACB (Antigua Commercial Bank)12 XCD~4.50 USD6

    📍 Most widely available ATMs

    Sorted by number of ATM locations. More branches means easier access, but fees may be higher.

    BankATM FeeEst. CostBranches
    ACB (Antigua Commercial Bank)12 XCD~4.50 USD6
    ECAB (Eastern Caribbean Amalgamated Bank)10 XCD~3.75 USD5
    CIBC Caribbean12 XCD~4.50 USD4
    ABIB (Antigua Barbuda Investment Bank)15 XCD~5.55 USD3

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