ATM Fees in Montserrat
East Caribbean Dollar (XCD) • Updated April 2026
Montserrat uses XCD. Banking limited to one major bank. Cash essential for most transactions. Day trips often require cash.
Tips for Montserrat
- • Bank of Montserrat is main bank
- • Cash essential for day trips
- • USD accepted widely
- • Limited ATMs
- • Quiet, cash-based economy
Airport tips
- • ATM available at bank nearby
- • Bring cash (USD/XCD)
- • Taxis require cash
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 Montserrat, per person.
Backpacker
Hostels, street food, public transport
XCD/day
≈ $150-300 USD
Mid-range
Hotels, restaurants, mix of transport
XCD/day
≈ $330-650 USD
Luxury
Premium hotels, fine dining, private transport
XCD/day
≈ $750-1,600 USD
Cash vs card acceptance
Where you'll need cash and where cards work in Montserrat.
Credit card acceptance
LowCash is king. Cards at main hotel only.
You'll need cash for
- • Almost everything
- • Taxis
- • Restaurants
- • Tours
Cards usually accepted
- • Tropical Mansion Suites
- • Supermarkets (some)
💰 Cheapest banks for foreign cards
These banks charge the lowest fees for withdrawals with foreign cards.
| Bank | ATM Fee | Est. Cost | Branches | |||
|---|---|---|---|---|---|---|
| Bank of Montserrat | 10-15 XCD | 0% | Visa/MC rate | ~4.00 USD | 1 | The only bank |
📍 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 Montserrat | 10-15 XCD | 0% | Visa/MC rate | ~4.00 USD | 1 | The only bank |