ATM Fees in Cook Islands
New Zealand Dollar (NZD) • Updated April 2026
Cook Islands uses NZD. Good card acceptance in Rarotonga. Cash essential for Aitutaki and outer islands. ATMs limited to main islands.
Tips for Cook Islands
- • Uses NZD
- • Rarotonga has good banking
- • Aitutaki has few ATMs
- • Outer islands cash only
- • Market day (Saturday) needs cash
Airport tips
- • Rarotonga airport has ATMs
- • Bring NZD cash if possible
- • Transfers often pre-paid
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 Cook Islands, per person.
Backpacker
Hostels, street food, public transport
NZD/day
≈ $104-215 USD
Mid-range
Hotels, restaurants, mix of transport
NZD/day
≈ $290-609 USD
Luxury
Premium hotels, fine dining, private transport
NZD/day
≈ $725-1,595 USD
Cash vs card acceptance
Where you'll need cash and where cards work in Cook Islands.
Credit card acceptance
ModerateGood on Rarotonga. Cash essential for outer islands.
You'll need cash for
- • Punanga Nui Market
- • Buses
- • Aitutaki (mostly)
- • Outer islands
Cards usually accepted
- • Rarotonga resorts
- • Supermarkets
- • Car rentals
- • Restaurants
💰 Cheapest banks for foreign cards
These banks charge the lowest fees for withdrawals with foreign cards.
| Bank | ATM Fee | Est. Cost | Branches | |||
|---|---|---|---|---|---|---|
| BSP | 5-10 NZD | 0% | Visa/MC rate | ~3.00 USD | 3 | Rarotonga |
| ANZ (Closing) | Check status | 0% | Visa/MC rate | Variable | 1 | Limited |
📍 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 | |||
|---|---|---|---|---|---|---|
| BSP | 5-10 NZD | 0% | Visa/MC rate | ~3.00 USD | 3 | Rarotonga |
| ANZ (Closing) | Check status | 0% | Visa/MC rate | Variable | 1 | Limited |