ATM Fees in Bermuda
Bermudian Dollar (BMD) • Updated April 2026
Bermuda accepts USD at 1:1. Cards accepted everywhere. Extremely expensive destination. ATMs dispense BMD, but USD is interchangeable.
Tips for Bermuda
- • USD accepted 1:1
- • Cards accepted everywhere
- • Gratuity (17%) often added
- • Import duties make goods expensive
- • Transport is cash (exact change) or token
Airport tips
- • L.F. Wade airport has ATMs
- • Taxis accept USD
- • Pre-arrange transport if possible
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 Bermuda, per person.
Backpacker
Hostels, street food, public transport
BMD/day
≈ $270-470 USD
Mid-range
Hotels, restaurants, mix of transport
BMD/day
≈ $700-1,350 USD
Luxury
Premium hotels, fine dining, private transport
BMD/day
≈ $1,650-4,200 USD
Cash vs card acceptance
Where you'll need cash and where cards work in Bermuda.
Credit card acceptance
Very HighCards accepted everywhere. Cash for buses/ferries.
You'll need cash for
- • Buses (coins/tokens)
- • Ferries
- • Small tips
Cards usually accepted
- • Hotels
- • Restaurants
- • Shops
- • Supermarkets
💰 Cheapest banks for foreign cards
These banks charge the lowest fees for withdrawals with foreign cards.
| Bank | ATM Fee | Est. Cost | Branches | |||
|---|---|---|---|---|---|---|
| Butterfield | 3-5 BMD | 0% | 1:1 USD | ~3.00 USD | 4 | Main bank |
| HSBC Bermuda | 3-5 BMD | 0% | 1:1 USD | ~3.00 USD | 3 | Good coverage |
📍 Most widely available ATMs
Sorted by number of ATM locations. More branches means easier access, but fees may be higher.
| Bank | ATM Fee | Est. Cost | Branches | |||
|---|---|---|---|---|---|---|
| Butterfield | 3-5 BMD | 0% | 1:1 USD | ~3.00 USD | 4 | Main bank |
| HSBC Bermuda | 3-5 BMD | 0% | 1:1 USD | ~3.00 USD | 3 | Good coverage |