ATM Fees in Cayman Islands
Cayman Islands Dollar (KYD) • Updated April 2026
Cayman is a major financial center. Excellent card acceptance. USD accepted everywhere (fixed rate). Expensive destination.
Tips for Cayman Islands
- • USD accepted everywhere (1 KYD = 1.20 USD)
- • Cards accepted universally
- • Financial center - many ATMs
- • High cost of living
- • Tipping 15% standard
Airport tips
- • Owen Roberts airport has ATMs
- • Taxis accept USD
- • Car rentals accept cards
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 Cayman Islands, per person.
Backpacker
Hostels, street food, public transport
KYD/day
≈ $325-662 USD
Mid-range
Hotels, restaurants, mix of transport
KYD/day
≈ $842-1,685 USD
Luxury
Premium hotels, fine dining, private transport
KYD/day
≈ $2,106-5,055 USD
Cash vs card acceptance
Where you'll need cash and where cards work in Cayman Islands.
Credit card acceptance
Very HighUniversal acceptance. Cash rarely needed except for small purchases.
You'll need cash for
- • Small tips
- • Local buses
- • Some street food
Cards usually accepted
- • Everywhere
- • Hotels
- • Restaurants
- • Shops
💰 Cheapest banks for foreign cards
These banks charge the lowest fees for withdrawals with foreign cards.
| Bank | ATM Fee | Est. Cost | Branches | |||
|---|---|---|---|---|---|---|
| Butterfield | 2-5 KYD | 0% | Visa/MC rate | ~3.00 USD | 10 | Major bank |
| Cayman National | 2-5 KYD | 0% | Visa/MC rate | ~3.00 USD | 8 | 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 | 2-5 KYD | 0% | Visa/MC rate | ~3.00 USD | 10 | Major bank |
| Cayman National | 2-5 KYD | 0% | Visa/MC rate | ~3.00 USD | 8 | Good coverage |
🌐 ATM Alliance Benefits: If you bank with a member of these alliances, you may get reduced or waived ATM fees in Cayman Islands:
View all ATM alliances →