ATM Fees in Kiribati
Australian Dollar (AUD) • Updated April 2026
Kiribati is very remote with extremely limited banking infrastructure. Cash is essential. Bank of Kiribati is now the sole provider after ANZ's exit. ATMs are extremely scarce and often run out of cash.
Tips for Kiribati
- • Bring plenty of AUD cash - ATMs often run out
- • ATMs extremely limited and unreliable
- • Cards rarely accepted anywhere
- • Bank of Kiribati is now the sole provider (ANZ has exited)
- • Remote islands have no banking at all
Airport tips
- • Bonriki airport has very limited services
- • Arrive with sufficient AUD cash
- • No reliable currency exchange
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 Kiribati, per person.
Backpacker
Hostels, street food, public transport
AUD/day
≈ $59.96-123 USD
Mid-range
Hotels, restaurants, mix of transport
AUD/day
≈ $138-254 USD
Luxury
Premium hotels, fine dining, private transport
AUD/day
≈ $268-487 USD
Cash vs card acceptance
Where you'll need cash and where cards work in Kiribati.
Credit card acceptance
Very LowCash-only economy for most purposes. Bring all the cash you'll need.
You'll need cash for
- • Everything
- • Accommodation
- • Food
- • Transport
- • Activities
Cards usually accepted
- • Possibly some government offices
- • Rare exceptions in Tarawa
💰 Cheapest banks for foreign cards
These banks charge the lowest fees for withdrawals with foreign cards.
| Bank | ATM Fee | Est. Cost | Branches | |||
|---|---|---|---|---|---|---|
| Bank of Kiribati | 5-10 AUD | Unknown | Unknown | ~5.00 USD | 2 | Sole provider - ATMs extremely scarce and often empty |
📍 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 Kiribati | 5-10 AUD | Unknown | Unknown | ~5.00 USD | 2 | Only in Tarawa - bring sufficient AUD cash |