ATM Fees in Puerto Rico
United States Dollar (USD) • Updated April 2026
Puerto Rico uses USD. Universal card acceptance in San Juan. ATMs widespread. US banking system (Chase, Banco Popular).
Tips for Puerto Rico
- • USD is official currency
- • Cards accepted everywhere
- • Banco Popular has most ATMs
- • Sales tax (IVU) is 11.5%
- • Tipping 15-20% expected
Airport tips
- • SJU airport has ATMs
- • Uber available at airport
- • Car rentals accept cards
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 Puerto Rico, per person.
Backpacker
Hostels, street food, public transport
USD/day
≈ $120-270 USD
Mid-range
Hotels, restaurants, mix of transport
USD/day
≈ $340-700 USD
Luxury
Premium hotels, fine dining, private transport
USD/day
≈ $850-1,950 USD
Cash vs card acceptance
Where you'll need cash and where cards work in Puerto Rico.
Credit card acceptance
Very HighUniversal in metro areas. Cash for chinchorros (kiosks).
You'll need cash for
- • Chinchorros (food kiosks)
- • Street vendors
- • Small tips
Cards usually accepted
- • Hotels
- • Restaurants
- • Malls
- • Supermarkets
💰 Cheapest banks for foreign cards
These banks charge the lowest fees for withdrawals with foreign cards.
| Bank | ATM Fee | Est. Cost | Branches | |||
|---|---|---|---|---|---|---|
| Banco Popular | 3-5 USD | 0% | N/A (USD) | ~3.00 USD | 150 | Dominant bank |
| FirstBank | 3-5 USD | 0% | N/A (USD) | ~3.00 USD | 50 | Good coverage |
📍 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 | |||
|---|---|---|---|---|---|---|
| Banco Popular | 3-5 USD | 0% | N/A (USD) | ~3.00 USD | 150 | Dominant bank |
| FirstBank | 3-5 USD | 0% | N/A (USD) | ~3.00 USD | 50 | Good coverage |
🌐 ATM Alliance Benefits: If you bank with a member of these alliances, you may get reduced or waived ATM fees in Puerto Rico:
View all ATM alliances →