ATM Fees in Jamaica
Jamaican Dollar (JMD) • Updated April 2026
Jamaica has good card acceptance in tourist areas and resorts. Cash is essential for local markets, street food, and rural areas. USD is widely accepted in tourist zones. ATMs available in main towns.
Tips for Jamaica
- • Cards accepted at resorts and tourist areas
- • USD widely accepted in tourist zones
- • Cash essential for local experiences
- • NCB and Scotiabank have most ATMs
- • Negotiate prices - haggling is common
- • Scotiabank Global ATM Alliance benefits becoming inconsistent
Airport tips
- • Montego Bay and Kingston airports have ATMs
- • USD accepted at airport
- • Get JMD for better rates locally
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 Jamaica, per person.
Backpacker
Hostels, street food, public transport
JMD/day
≈ $57.48-125 USD
Mid-range
Hotels, restaurants, mix of transport
JMD/day
≈ $179-358 USD
Luxury
Premium hotels, fine dining, private transport
JMD/day
≈ $562-1,118 USD
Cash vs card acceptance
Where you'll need cash and where cards work in Jamaica.
Credit card acceptance
ModerateCards work at resorts and tourist businesses. Cash essential for local experiences.
You'll need cash for
- • Jerk stands
- • Local markets
- • Route taxis
- • Beach vendors
- • Small restaurants
Cards usually accepted
- • Resorts
- • Hotels
- • Tourist restaurants
- • Car rentals
- • Large supermarkets
💰 Cheapest banks for foreign cards
These banks charge the lowest fees for withdrawals with foreign cards.
| Bank | ATM Fee | Est. Cost | Branches | |||
|---|---|---|---|---|---|---|
| NCB | 500-800 JMD | 0% | Visa/MC rate | ~3.00 USD | 40 | Largest network |
| Scotiabank | 500-800 JMD | 0% | Visa/MC rate | 0 USD | 35 | Alliance benefits inconsistent |
| JMMB | 500-800 JMD | 0% | Visa/MC rate | ~3.00 USD | 20 | Available |
📍 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 | |||
|---|---|---|---|---|---|---|
| NCB | 500-800 JMD | 0% | Visa/MC rate | ~3.00 USD | 40 | Best coverage |
| Scotiabank | 500-800 JMD | 0% | Visa/MC rate | 0 USD | 35 | Alliance benefits inconsistent |
| JMMB | 500-800 JMD | 0% | Visa/MC rate | ~3.00 USD | 20 | Urban areas |
🌐 ATM Alliance Benefits: If you bank with a member of these alliances, you may get reduced or waived ATM fees in Jamaica:
View all ATM alliances →