ATM Fees in Gambia
Gambian Dalasi (GMD) • Updated April 2026
Gambia uses the Dalasi. Cash is essential for most transactions. Tourist areas have some card acceptance. ATMs available in main areas but can run out of cash.
Tips for Gambia
- • Bring Euros, GBP, or USD to exchange
- • ATMs available but may run out of cash
- • Tourist areas have better card acceptance
- • Bargaining expected at markets
- • English is widely spoken
Airport tips
- • Banjul International Airport has limited ATMs
- • Exchange some money on arrival
- • Many tourists exchange at hotels
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 Gambia, per person.
Backpacker
Hostels, street food, public transport
GMD/day
≈ $16.87-38.45 USD
Mid-range
Hotels, restaurants, mix of transport
GMD/day
≈ $53.97-117 USD
Luxury
Premium hotels, fine dining, private transport
GMD/day
≈ $148-304 USD
Cash vs card acceptance
Where you'll need cash and where cards work in Gambia.
Credit card acceptance
LowCash essential for most transactions. Cards accepted at some tourist hotels and restaurants.
You'll need cash for
- • Most restaurants
- • Transport
- • Markets
- • Local shops
- • Smaller hotels
Cards usually accepted
- • Tourist hotels
- • Some beach resorts
- • Select restaurants in tourist areas
💰 Cheapest banks for foreign cards
These banks charge the lowest fees for withdrawals with foreign cards.
| Bank | ATM Fee | Est. Cost | Branches | |||
|---|---|---|---|---|---|---|
| Standard Chartered | 150-250 GMD | 0% | Visa/MC rate | ~2.00 USD | 8 | Most reliable for foreign cards |
| Trust Bank | 150-250 GMD | 0% | Visa/MC rate | ~2.00 USD | 15 | Largest local bank |
📍 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 | |||
|---|---|---|---|---|---|---|
| Trust Bank | 150-250 GMD | 0% | Visa/MC rate | ~2.00 USD | 15 | Best coverage |
| Standard Chartered | 150-250 GMD | 0% | Visa/MC rate | ~2.00 USD | 8 | Best for foreign cards |
🌐 ATM Alliance Benefits: If you bank with a member of these alliances, you may get reduced or waived ATM fees in Gambia:
View all ATM alliances →