ATM Fees in Maldives
Maldivian Rufiyaa (MVR) • Updated April 2026
The Maldives runs primarily on USD at resorts - most prices are in USD. Cards accepted at resorts and Male. Local islands may need cash. ATMs available in Male.
Tips for Maldives
- • Resorts price everything in USD
- • Cards accepted at all resorts
- • Male has ATMs for MVR
- • Local islands prefer cash
- • Tips often expected in USD
Airport tips
- • Velana airport has ATMs
- • Resorts handle most payments
- • USD widely accepted
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 Maldives, per person.
Backpacker
Hostels, street food, public transport
MVR/day
≈ $120-270 USD
Mid-range
Hotels, restaurants, mix of transport
MVR/day
≈ $390-970 USD
Luxury
Premium hotels, fine dining, private transport
MVR/day
≈ $1,350-4,500 USD
Cash vs card acceptance
Where you'll need cash and where cards work in Maldives.
Credit card acceptance
High (resorts)Resorts accept cards and use USD. Local islands need cash.
You'll need cash for
- • Local island shops
- • Tips
- • Local ferries
- • Male markets
Cards usually accepted
- • All resorts
- • Hotels in Male
- • Tourist restaurants
💰 Cheapest banks for foreign cards
These banks charge the lowest fees for withdrawals with foreign cards.
| Bank | ATM Fee | Est. Cost | Branches | |||
|---|---|---|---|---|---|---|
| Bank of Maldives | 100 MVR | 0% | Visa/MC rate | ~6.50 USD | 35 | Main bank - charges fee for foreign cards |
| HSBC | 30-50 MVR | 0% | Visa/MC rate | ~2.00 USD | 5 | Male only |
📍 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 Maldives | 100 MVR | 0% | Visa/MC rate | ~6.50 USD | 35 | Best coverage - charges fee for foreign cards |
| HSBC | 30-50 MVR | 0% | Visa/MC rate | ~2.00 USD | 5 | Male only |