ATM Fees in Micronesia
US Dollar (USD) • Updated April 2026
Micronesia uses USD. Card acceptance is very limited - cash is king. ATMs available on main islands but limited. Bring USD cash for outer islands.
Tips for Micronesia
- • USD is the official currency
- • Cash essential for most transactions
- • Very limited card acceptance
- • Bank of FSM has ATMs
- • Outer islands have no banking
Airport tips
- • Small airports with minimal services
- • Bring USD cash
- • No ATMs at most airports
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 Micronesia, per person.
Backpacker
Hostels, street food, public transport
USD/day
≈ $95.00-200 USD
Mid-range
Hotels, restaurants, mix of transport
USD/day
≈ $220-420 USD
Luxury
Premium hotels, fine dining, private transport
USD/day
≈ $440-820 USD
Cash vs card acceptance
Where you'll need cash and where cards work in Micronesia.
Credit card acceptance
Very LowCash economy using USD. Cards rarely accepted.
You'll need cash for
- • Almost everything
- • Hotels
- • Restaurants
- • Transport
- • All islands
Cards usually accepted
- • Some hotels in main towns
- • Rare exceptions
💰 Cheapest banks for foreign cards
These banks charge the lowest fees for withdrawals with foreign cards.
| Bank | ATM Fee | Est. Cost | Branches | |||
|---|---|---|---|---|---|---|
| Bank of FSM | 0-3 USD | 0% | N/A (USD) | 0 USD | 5 | Main islands 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 FSM | 0-3 USD | 0% | N/A (USD) | 0 USD | 5 | State capitals |