ATM Fees in Papua New Guinea
Papua New Guinean Kina (PGK) • Updated April 2026
Papua New Guinea is heavily cash-based. Card acceptance is very limited, mainly in Port Moresby hotels. ATMs available in main towns but scarce elsewhere. Security is a concern.
Tips for Papua New Guinea
- • Cash essential for almost everything
- • Cards only at major hotels in Port Moresby
- • BSP has most ATMs
- • Security situation requires caution
- • Bring USD or AUD to exchange
Airport tips
- • Port Moresby airport has ATMs
- • Get cash before traveling inland
- • Security escort may be advised
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 Papua New Guinea, per person.
Backpacker
Hostels, street food, public transport
PGK/day
≈ $153-308 USD
Mid-range
Hotels, restaurants, mix of transport
PGK/day
≈ $262-558 USD
Luxury
Premium hotels, fine dining, private transport
PGK/day
≈ $592-1,276 USD
Cash vs card acceptance
Where you'll need cash and where cards work in Papua New Guinea.
Credit card acceptance
Very LowCash economy. Cards only at select hotels in Port Moresby.
You'll need cash for
- • Almost everything
- • Restaurants
- • Transport
- • Markets
- • Outside Port Moresby
Cards usually accepted
- • Major hotels in Port Moresby
- • Some airline offices
💰 Cheapest banks for foreign cards
These banks charge the lowest fees for withdrawals with foreign cards.
| Bank | ATM Fee | Est. Cost | Branches | |||
|---|---|---|---|---|---|---|
| BSP | 20-30 PGK | 0% | Visa/MC rate | ~5.00 USD | 40 | Best coverage |
| Westpac PNG | 20-30 PGK | 0% | Visa/MC rate | ~5.00 USD | 20 | Available |
| ANZ PNG | 20-30 PGK | 0% | Visa/MC rate | ~5.00 USD | 15 | Port Moresby |
📍 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 | |||
|---|---|---|---|---|---|---|
| BSP | 20-30 PGK | 0% | Visa/MC rate | ~5.00 USD | 40 | Best coverage |
| Westpac PNG | 20-30 PGK | 0% | Visa/MC rate | ~5.00 USD | 20 | Main towns |
| ANZ PNG | 20-30 PGK | 0% | Visa/MC rate | ~5.00 USD | 15 | Limited |
🌐 ATM Alliance Benefits: If you bank with a member of these alliances, you may get reduced or waived ATM fees in Papua New Guinea:
View all ATM alliances →