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    ATM Fee Guide
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    ATM Fees in Bahamas

    Bahamian Dollar (BSD) • Updated April 2026

    The Bahamas uses the Bahamian Dollar, which is pegged 1:1 to the USD. US dollars are accepted everywhere and preferred by many businesses. ATMs dispense BSD but USD works interchangeably.

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    Tips for Bahamas

    • • USD is accepted everywhere at 1:1 rate with BSD
    • • Scotiabank and RBC are the main banks with ATMs
    • • ATMs in Nassau and Paradise Island are plentiful
    • • Outer islands have very limited ATM access - bring cash
    • • Credit cards widely accepted in tourist areas
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    Airport tips

    • • Nassau Airport (NAS) has Scotiabank and RBC ATMs
    • • Currency exchange not needed - USD works everywhere
    • • Taxis from airport accept USD cash
    • • Uber is available in Nassau
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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 Bahamas, per person.

    Your currency:

    Backpacker

    Hostels, street food, public transport

    170-320

    BSD/day

    🏨 Accommodation80-150
    🍜 Food & drinks40-70
    🚌 Transport20-40
    🎟️ Activities30-60

    ≈ $170-320 USD

    Mid-range

    Hotels, restaurants, mix of transport

    410-800

    BSD/day

    🏨 Accommodation200-400
    🍜 Food & drinks80-150
    🚌 Transport50-100
    🎟️ Activities80-150

    ≈ $410-800 USD

    Luxury

    Premium hotels, fine dining, private transport

    1050-2600

    BSD/day

    🏨 Accommodation500-1500
    🍜 Food & drinks200-400
    🚌 Transport150-300
    🎟️ Activities200-400

    ≈ $1,050-2,600 USD

    Cash vs card acceptance

    Where you'll need cash and where cards work in Bahamas.

    Credit card acceptance

    Very Good

    Card acceptance is excellent in Nassau, Paradise Island, and major tourist areas. USD cash is equally accepted everywhere. Outer islands are more cash-dependent.

    Regional differences

    • • Nassau/Paradise Island: Excellent card acceptance
    • • Exumas, Eleuthera: Good in resorts, cash for local shops
    • • Outer islands: Cash preferred or required
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    You'll need cash for

    • • Local markets and straw markets
    • • Small local restaurants
    • • Taxi tips
    • • Outer island purchases
    • • Beach vendors
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    Cards usually accepted

    • • All resorts and hotels
    • • Restaurants in tourist areas
    • • Supermarkets
    • • Water sports and tours
    • • Atlantis and cruise ports

    💰 Cheapest banks for foreign cards

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

    BankATM FeeEst. CostBranches
    Scotiabank Bahamas0 BSD0 USD15
    RBC Bahamas5 BSD~5.00 USD12
    CIBC FirstCaribbean5 BSD~5.00 USD8
    Bank of The Bahamas6 BSD~6.00 USD10

    📍 Most widely available ATMs

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

    BankATM FeeEst. CostBranches
    Scotiabank Bahamas0 BSD0 USD15
    RBC Bahamas5 BSD~5.00 USD12
    Bank of The Bahamas6 BSD~6.00 USD10
    CIBC FirstCaribbean5 BSD~5.00 USD8

    🌐 ATM Alliance Benefits: If you bank with a member of these alliances, you may get reduced or waived ATM fees in Bahamas:

    Global ATM Alliance
    View all ATM alliances →

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