ATM Fees in Guam
United States Dollar (USD) • Updated April 2026
Guam uses USD. Excellent card acceptance in Tumon and tourist areas. US banking infrastructure. Tipping expected.
Tips for Guam
- • USD is official currency
- • US banking standards
- • Cards accepted everywhere
- • Tipping 15-20% expected
- • Expensive duty-free shopping
Airport tips
- • ATMs at airport
- • Rental cars at airport
- • Taxis 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 Guam, per person.
Backpacker
Hostels, street food, public transport
USD/day
≈ $170-360 USD
Mid-range
Hotels, restaurants, mix of transport
USD/day
≈ $430-850 USD
Luxury
Premium hotels, fine dining, private transport
USD/day
≈ $900-1,900 USD
Cash vs card acceptance
Where you'll need cash and where cards work in Guam.
Credit card acceptance
Very HighUniversal acceptance in tourist zones. Cash rarely needed.
You'll need cash for
- • Flea markets
- • Small village stores
- • Tips
Cards usually accepted
- • Tumon hotels
- • Malls
- • Restaurants
- • K-Mart
💰 Cheapest banks for foreign cards
These banks charge the lowest fees for withdrawals with foreign cards.
| Bank | ATM Fee | Est. Cost | Branches | |||
|---|---|---|---|---|---|---|
| Bank of Guam | 3-5 USD | 0% | N/A (USD) | ~3.00 USD | 10 | Main bank |
| First Hawaiian | 3-5 USD | 0% | N/A (USD) | ~3.00 USD | 5 | Reliable |
📍 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 | |||
|---|---|---|---|---|---|---|
| Bank of Guam | 3-5 USD | 0% | N/A (USD) | ~3.00 USD | 10 | Main bank |
| First Hawaiian | 3-5 USD | 0% | N/A (USD) | ~3.00 USD | 5 | Reliable |