ATM Fees in Palau
US Dollar (USD) • Updated April 2026
Palau uses USD. Card acceptance is moderate at hotels and dive shops. Cash needed for local restaurants and smaller establishments. ATMs available in Koror but limited.
Tips for Palau
- • USD is the official currency
- • Cards accepted at hotels and dive operators
- • Cash for local restaurants and shops
- • Limited ATMs - mainly in Koror
- • Bring backup cash
- • A 'Pristine Paradise' environmental fee is included in airline tickets. Ensure you have proof of return travel
- • US coins are generally not used/circulating efficiently; expect change in notes or rounded prices
Airport tips
- • Palau airport has limited services
- • ATM may be available
- • Bring USD cash as backup
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 Palau, per person.
Backpacker
Hostels, street food, public transport
USD/day
≈ $180-385 USD
Mid-range
Hotels, restaurants, mix of transport
USD/day
≈ $385-740 USD
Luxury
Premium hotels, fine dining, private transport
USD/day
≈ $780-1,550 USD
Cash vs card acceptance
Where you'll need cash and where cards work in Palau.
Credit card acceptance
ModerateCards work at hotels and dive operators. Cash for local businesses.
You'll need cash for
- • Local restaurants
- • Small shops
- • Some tours
- • Tips
- • Taxi/transport
Cards usually accepted
- • Hotels
- • Dive shops
- • Tourist restaurants
- • Car rentals
💰 Cheapest banks for foreign cards
These banks charge the lowest fees for withdrawals with foreign cards.
| Bank | ATM Fee | Est. Cost | Branches | |||
|---|---|---|---|---|---|---|
| Bank of Palau | 0-3 USD | 0% | N/A (USD) | 0 USD | 3 | Main bank |
| Bank of Guam | 0-3 USD | 0% | N/A (USD) | 0 USD | 1 | Available |
| Bank of Hawaii | 0-3 USD | 0% | N/A (USD) | 0 USD | 1 | Reliable for US-issued cards |
📍 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 Palau | 0-3 USD | 0% | N/A (USD) | 0 USD | 3 | Best option |
| Bank of Guam | 0-3 USD | 0% | N/A (USD) | 0 USD | 1 | Koror |
| Bank of Hawaii | 0-3 USD | 0% | N/A (USD) | 0 USD | 1 | Reliable for US-issued cards |